While citizens of Taiwan do not need a Schengen visa for visiting Europe for up to 90 days, other nationalities living in the Taiwan and traveling to Schengen countries need to buy Schengen travel insurance while applying for the visa.
Is Schengen Travel Insurance Mandatory for Taiwan Citizens?
Taiwan citizens are visa-exempt for short visits to the Schengen Area for up to 90 days. This means they do not need a Schengen visa for short-term tourism, business trips, or family visits.
However, if a Taiwan citizen plans to study, work, live, or stay in Europe for more than 90 days, they must apply for a National (Type D) Visa or a residence permit for that specific European country.
One of the key requirements for obtaining a long-stay visa is having valid long-term travel health insurance. The insurance must include:
Minimum medical coverage of €30,000
Emergency medical evacuation coverage
Repatriation of remains
Coverage valid for the entire duration of the stay in Europe
After purchasing the required long-term Europe travel health insurance, travelers will receive a visa insurance letter by email. This official document confirms that the traveler is covered for medical emergencies, hospitalization, evacuation, and other required benefits. This letter can be submitted along with the long-stay visa application.
Healthcare in Europe can be expensive, and Taiwan’s domestic health insurance typically does not cover treatments outside Taiwan. Therefore, buying comprehensive Europe travel insurance is essential to remain financially protected throughout the stay.
At American Visitor Insurance, you can easily compare best Schengen visa insurance for Taiwan citizens plans, buy online in minutes, and instantly download your visa-compliant insurance certificate.
Things to Know Before Traveling from Taiwan to the Schengen Zone
Traveling from Taiwan to Europe’s Schengen Area is straightforward, but proper planning helps ensure a smooth journey. Here are the key points every Taiwan traveler should know:
Time Zone Differences :
Taiwan follows Taiwan Standard Time (UTC+8), while Europe spans several time zones like CET and EET. For example, when it is 12:00 PM in Taipei:
5:00 AM in Germany (CET)
5:00 AM in France (CET during winter)
6:00 AM in Greece (EET)
Currency and Financial Considerations :
The local currency in Taiwan is the New Taiwan Dollar (TWD), which is not accepted in Europe. Travelers should exchange money for Euros (EUR) before departure or use international credit/debit cards. European ATMs often provide better exchange rates than airport counters.
Language :
The primary language in Taiwan is Mandarin Chinese. Schengen countries speak various languages such as German, French, Italian, Spanish, and Dutch. English is widely spoken in major European cities, making travel easier for Taiwanese visitors.
Flight Options :
Most travelers depart from Taoyuan International Airport (TPE) in Taipei. Popular routes from Taiwan to Europe include:
Taipei → Dubai → Europe
Taipei → Doha → Europe
Taipei → Istanbul → Europe
Taipei → Singapore/Hong Kong → Europe
Since these flights often involve layovers, there is a higher chance of baggage delays, loss, or missed connections. Travel insurance helps protect travelers from such unexpected issues.
Which Is the Affordable Schengen Travel Insurance for Taiwan Travelers?
The cheapest Schengen travel insurance for Taiwan citizens starts as low as $1 per day. The price varies based on the traveler’s age, travel duration, and coverage selected. It is recommended to compare the best low-cost Schengen plans before purchasing.
One of the most affordable options for travelers from Taiwan to Europe is Atlas International Insurance from WorldTrips, which offers strong medical benefits, Schengen-approved coverage, and easy online purchase through American Visitor Insurance.
Atlas International Insurance
Atlas International is a cheap Schengen visa insurance from Taiwan designed for travelers outside their home country, including both U.S. and non-U.S. citizens.
This plan offers excellent Schengen-visa compliant coverage with flexible medical maximums, multiple deductible options, acute onset of pre-existing condition benefits, and 24/7 worldwide travel assistance.
Ideal for travelers visiting Europe from Taiwan and other countries.
Covers acute onset of pre-existing conditions (up to policy maximum for travelers below 80).
Renewable up to a total of 12 months.
Policy maximum options from $50,000 to $2,000,000.
Deductible options from $0 to $5,000.
Coverage duration from 5 days to 364 days.
Atlas International costs between $27 to $233 per month, depending on age and plan selections.
Important Updates for Taiwan Travelers Visiting Europe (2025–2026)
Europe is introducing new border-control systems that affect all non-EU travelers, including visitors from Taiwan. Understanding these changes will help ensure smooth entry, shorter waiting times, and better travel planning.
Entry/Exit System (EES) – Already in Effect
The Entry/Exit System has replaced the manual passport stamping process across the Schengen Area. When arriving in Europe, Taiwanese travelers will undergo:
Digital passport scanning
Facial recognition and biometric verification
Fingerprint collection during the first entry
Border officers may also request your itinerary, hotel bookings, proof of funds, or return flight details.
ETIAS – Expected to Start in Late 2026
ETIAS is a digital travel authorization for visa-exempt travelers. Since Taiwan nationals require a Schengen visa, ETIAS does not replace the visa process. However, Taiwan passport holders with a second visa-exempt nationality (such as U.S. or Canadian citizenship) will need ETIAS once it becomes mandatory.
Impact on Travel Planning
With the introduction of EES, immigration processing times may be longer, especially during peak seasons. Travelers from Taiwan often take multi-stop routes such as Taipei → Istanbul → Europe or Taipei → Dubai/Doha → Europe, which increases the chances of tight connections or delays.
Why Travel Insurance Is More Important Now
Covers costs related to flight delays caused by long immigration queues
Helps recover expenses from missed connections on multi-stop routes
Provides support for lost or delayed baggage
Offers medical coverage for emergencies during the trip
These new entry systems make it even more important for Taiwan travelers to have comprehensive Schengen-compliant travel insurance.
What Are the Factors That Affect the Cost of Europe Travel Insurance From Taiwan?
The cost of Schengen visa travel insurance from Taiwan depends on key factors:
Age of the traveler: The older the Schengen visa holder, the more expensive the monthly plan cost.
The maximum medical coverage selected: The options range from $50,000, up to $1,000,000, the higher the coverage amount, the higher the premium.
The selected deductible: A 'deductible' is the amount of the medical costs the customer pays before the insurance plan provides any coverage. Most plans provide several options ranging form $0 to $2500 (travelers over age 60 years may not have the $0 deductible option). The lower the deductible, the higher the premium.
The co-insurance on the plan: 'Co-insurance' is the percentage on medical expenses borne by the customer AFTER the deductible is paid. The cheapest travel health insurance for schengen visa will have the highest co-insurance.
The Insurance underwriter: There are different underwriters such as AIG, Lloyds, Nationwide, etc. Premium will vary for different underwriter.
How Much Does Schengen Visa Insurance Cost for Taiwan Citizens?
The cost for the Schengen visa travel insurance depends mainly on the age of the traveler and the duration of coverage required. The older the traveler the higher will be the cost. The longer the duration of travel insurance coverage Schengen visa required, the greater will be the cost for the travel insurance for Schengen visa. The Schengen visa insurance application quote facility on our website lists the travel insurance that satisfy Schengen visa consulate requirements. You can find the cheapest insurance for Schengen visa on American Visitor Insurance.
Europe Schengen travel insurance Cost in 2026
Schengen insurance cost ranges between $8 to $15 per week for a 25-year-old traveler with a $50,000 medical maximum and $0 deductible. All the insurance plans listed below
Meet Schengen visa requirements
Are accepted by Schengen embassies/consulates worldwide
Include a downloadable Schengen insurance visa letter immediately after purchase
Travelers can easily compare these best Schengen visa insurance for pre-existing conditions and choose the option that best fits their medical needs and budget.
Atlas International: Affordable Schengen travel insurance with pre-existing conditions providing essential medical coverage, emergency benefits and acute onset pre-existing condition protection for travelers under age 70.
Acute Onset of Pre-Existing Condition Coverage: Covers up to the overall maximum limit for travelers under age 80.
Emergency Medical Evacuation: Up to $25,000 lifetime maximum.
Cost Example: A 25-year-old travelerpays about $8 for a 7-day trip, with $50,000 medical maximum and $0 deductible.
Patriot International Lite: Affordable Schengen travel insurance with pre-existing conditions providing essential medical coverage, emergency benefits and acute onset pre-existing condition protection for travelers under age 70.
Acute Onset of Pre-Existing Condition Coverage:
Age 64 and under without primary health plan: Maximum limit $20,000
Age 64 and under with primary health plan: Up to the period-of-coverage limit
Age 65 through 69: Maximum limit $2,500
Cost Example: A 25-year-old traveler pays about $10 for a 7-day trip, with $50,000 medical maximum and $0 deductible.
Travel Medical Global Choice Insurance: Best Schengen visa medical insurance for seniors with robust medical protection and acute onset pre-existing condition coverage, including cardiac issues, for travelers up to age 79
Acute Onset of Pre-Existing Condition Coverage:
14 days to 64 years old: Up to $50,000
65 to 79 years old: Up to $10,000
80 years and older: Not Available
Cost Example: A 25-year-old traveler pays about $11 for a 7-day trip, with $50,000 medical maximum and $0 deductible.
Safe Travels International: Premium-quality Schengen visa health insurance with pre-existing coverage designed for international travelers offering strong medical protection.
Includes coverage for unexpected recurrence of a pre-existing condition
Up to $2,500 for travelers up to age 69.
Not available for ages 70+.
Enhanced emergency coverage for cardiac or stroke-related events for senior travelers age 70 and above.
Cost Example: A 25-year-old traveler pays about $15 for a 7-day trip, with $50,000 medical maximum and $0 deductible.
Patriot International Lite
The policy maximum options available are $50k to $1M.
Coinsurance is available 100% up to the maximum limit.
IMG Patriot International Lite insurance for Schengen visa is very popular among travelers visiting European countries and applying for Schengen Visa.
Covers acute onset of pre-existing condition covers up to the period of coverage limit or $1M (whichever is lower)
The policy maximum options available with this plan are $50K to $2M for people up to the age of 65 For people in the age range of 65 to 79, the options are $50K and $100K and for people above 80 the only option is $10K.
Plan pays Coinsurance 100% after the deductible up to the overall limit.
Atlas International Insurance satisfies Schengen visa requirements and offers comprehensive Europe medical insurance for travelers.
Covers acute onset of pre-existing condition covers up to overall maximum limit, under age 80.(excludes chronic and congenital conditions)
The policy has a medical maximum options available $50k, $100k, $500k and $1M for ages 14 days to 69 years.
The length of coverage is 5 days to 364 days.
Travel Medical Global Choice satisfies Schengen visa insurance requirements.
For the acute onset of pre-existing condition coverage for age range of 14 days to 69 years, $50k coverage is available and for age range of 70 to 79 years, $5k coverage is available .
Why Should I Buy Schengen Visa Insurance on American Visitor Insurance?
We serve as a trusted marketplace for Schengen travel insurance with over 20 years of experience, helping you easily compare top-rated plans that meet Schengen visa requirements.
Side-by-Side Plan Comparison: With American Visitor Insurance, you can easily compare Schengen visa travel medical insurance plans, costs and benefits from top insurers - all in one place.
Visa-Compliant & Comprehensive Protection: All plans meet Schengen visa requirements and include coverage for medical emergencies, hospitalization, accidents, repatriation, and unforeseen health issues abroad.
Affordable & Transparent Pricing: Get the best price directly from the insurer — no hidden fees. Receive an instant quote and purchase your policy online quickly and hassle-free.
Expert Support & Assistance: Our licensed customer support team is available 24/7 to
Guide you through plan selection and online applications
Help with policy renewals or extensions
Assist with cancellations if travel plans change
Support filing insurance claims
Peace of Mind While Traveling: Enjoy your trip to the Schengen Area knowing you are protected with trusted insurance coverage.
What Are the Schengen Visa Travel Insurance Requirements?
Travelers applying for a Schengen visa must purchase travel medical insurance that meets all of the following mandatory requirements:
Tip: Always carry a printed copy and a digital copy of your insurance certificate. Embassies and border officers may ask for proof at any time.
What Common Mistakes Do Taiwan Travelers Make When Applying for a Schengen Visa?
Many Schengen visa refusals for Taiwan travelers happen because of avoidable errors. Being aware of these common mistakes can greatly improve approval chances:
Incomplete financial documents such as missing bank statements or statements with sudden large deposits.
Weak ties to Taiwan—not providing job letters, business proof, or family documents showing strong reasons to return.
Mismatched travel dates between insurance, hotel bookings, and flight itineraries.
Unverifiable or incorrect travel itineraries or booking fake reservations.
Incorrect or insufficient sponsorship documents when someone else is paying for the trip.
Lack of valid travel health insurance meeting the minimum €30,000 Schengen requirement.
Inconsistent information between application form, documents, and cover letter.
Submitting applications too late, especially during peak travel months.
Avoiding these mistakes increases the likelihood of quick approval and reduces the chance of embassy queries or delays.
Get Instant Schengen Visa Letter Required by European Consulates
Schengen travel insurance can be purchased online quickly and securely for travelers needing a visa to Europe.
Provide your travel details such as age, trip duration, and coverage amount to compare cheap Schengen travel insurance quotes and choose the best plan for your trip.
Compare Schengen health insurance and Europe travel insurance for visa requirements to find the most affordable and reliable coverage options.
Buy Schengen visa insurance online easily with instant confirmation and secure payment options.
Once you purchase the policy, you will receive an instant Schengen visa letter accepted by all European consulates, along with a virtual ID card and 24/7 toll-free assistance.
Get comprehensive Schengen travel medical insurance coverage for emergencies, hospitalization, and medical evacuation during your trip.
Find the best Schengen visa insurance for your travel to Europe compare, buy, and download your visa letter instantly.
Why Schengen Travel Insurance Is Important for Taiwan Travelers?
Schengen travel insurance is not just a visa requirement it is essential protection for Taiwan travelers visiting Europe. Medical care in Schengen countries can be extremely expensive for non-European visitors, and even a minor accident can result in very high hospital bills.
With the right travel insurance, you are protected against major risks such as:
Emergency medical treatment for sudden sickness or accidental injuries
Hospitalization costs which can be extremely high in Europe
Ambulance and emergency transportation services
Medical evacuation back to Taiwan, if required
Repatriation of remains, which is a mandatory Schengen requirement
Choosing a plan from a trusted and reputable insurer ensures you receive proper support during visa processing and peace of mind while traveling. You also get an instant Schengen visa letter after purchase along with 24/7 emergency assistance.
In short, Schengen travel insurance guarantees safety, financial protection, and a stress-free trip for Taiwan citizens visiting Europe.
Travel Tips for Taiwanese Travelers Visiting Europe
To ensure a smooth and hassle-free trip from Taiwan to the Schengen Area, travelers should keep the following practical tips in mind. These simple steps can help avoid common travel issues and make your journey more comfortable and stress-free:
Notify your Taiwanese bank or credit card provider before departure to prevent your cards from getting blocked due to foreign transactions. This ensures seamless payments throughout Europe.
Use a local SIM card or eSIM in Europe for reliable connectivity, easier navigation, and cheaper data rates. Many airports and major cities offer convenient prepaid SIM options.
Keep both printed and digital copies of your travel insurance certificate. Schengen border officials or airlines may request proof of coverage, especially during emergencies or unexpected situations.
Carry a universal travel adapter that supports European plug types (Type C, E, and F). This helps keep your devices charged throughout your trip.
Arrive early for connecting flights, especially if your route includes busy hubs like Dubai, Doha, or Istanbul. Extra time helps avoid missed connections and baggage issues.
Store important documents in multiple places—passport, insurance certificate, flight tickets, and hotel confirmations. Keeping backups reduces stress in case of loss or theft.
Check local weather conditions before traveling, as European climates vary widely depending on the country and season. Packing accordingly helps avoid unexpected disruptions.
Following these tips ensures a safer, smoother, and more enjoyable travel experience for Taiwan travelers heading to Europe.
Medical evacuation Emergency medical evacuation expenses to nearest available facility if needed.
Medical Expense: Covers emergency medical expenses for accidental injury or illness.
Repat of remains: Offers coverage for repatriation of remains expenses to home country in case of death.
Pre-existing conditions Travel insurance offers coverage for acute onset of pre-existing conditions.
Schengen Visa Travel Insurance Reviews
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What Does Schengen Visa Insurance Not Cover?
Schengen Visa travel insurance provides coverage for emergencies, but there are several exclusions. These usually include:
Pre-existing medical conditions: Illnesses or conditions that existed before the policy started are generally excluded.
Chronic illness treatment: Long-term or ongoing treatments for chronic conditions such as diabetes or heart disease are not covered.
Non-emergency medical care: Routine check-ups, scheduled visits, vaccinations, and elective procedures are not included.
Adventure or high-risk sports: Activities like skiing, scuba diving, or other extreme sports often require additional coverage.
Mental health conditions: Psychiatric care, counseling, and mental health treatments are typically excluded.
How Can I Buy Travel Insurance for a Schengen Visa Online?
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What Are the Types of Schengen Visas Available for Taiwan Citizens?
Taiwan passport holders enjoy visa-free access to the Schengen Area for short stays. This means they do not need a Schengen Type A or Type C visa for visits under 90 days. However, long-term stays still require a national visa from the respective European country. Below are the visa categories relevant to Taiwan travelers:
1. Type A Visa – Airport Transit Visa
Taiwan citizens do not need a transit visa when passing through Schengen airports. They may change flights in Europe without requiring any additional documentation.
2. Type C Visa – Short-Stay Visa
This visa is not required for Taiwan passport holders. They can travel visa-free to all 29 Schengen countries for up to 90 days within a 180-day period for purposes such as:
Tourism and leisure travel
Business trips and conferences
Visiting family or friends
Attending cultural, sports, or academic events
No prior visa application is needed, but travelers must carry a valid passport, proof of funds, accommodation details, and travel health insurance for border checks.
3. Type D Visa – Long-Stay Visa
Taiwan citizens must apply for a Type D national visa if planning to stay in a European country for more than 90 days. This includes:
Employment-based stays
University education or long-term study programs
Family reunification
Business relocation or long-term assignments
The Type D visa is issued by the embassy of the specific destination country and requires travel health insurance valid for the entire long-term stay.
Travel Health Insurance From Taiwan to Europe – FAQ's
1. Do Taiwan Citizens need a Visa to enter the Schengen region of Europe?
Yes, Taiwan citizens must have a valid Schengen visa to enter any country in the Schengen Zone.
The following are some categories of people living in Taiwan that are exempt from the Schengen visa requirement:
Citizens of countries living in Taiwan Arabia who do not need a Schengen visa for short travel (usually up to 90 days)
Taiwan citizens who have a dual citizenship in one of the Schengen nations
2. What travel documents do Taiwan citizens need to travel to the Schengen region?
Taiwan citizens traveling to the Schengen region will need to carry the following documents:
A valid passport: The passport must be valid for at least three more beyond the departure date from the Schengen Area.
A valid Schengen Visa: The Schengen visa must be valid for the entire length of travel to the Schengen region.
Proof of finances: Documents reflecting adequate financial means to visit the Schengen region.
3. Can I buy Schengen travel insurance online from Taiwan?
Yes, Taiwan travelers can purchase Schengen-compliant insurance online. The policy certificate is issued instantly and can be submitted with the visa application.
4. Can I get Schengen insurance for a long stay of more than 90 days?
No. Schengen insurance is valid for stays up to 90 days. Longer stays require a National (D) Visa and corresponding long-term health insurance.
5. Can my Schengen visa be rejected due to invalid travel insurance?
Yes. Visa applications can be rejected if the insurance has insufficient coverage, incorrect dates, or is not valid across all Schengen states.
6. Can Taiwan students use Schengen insurance for study visas?
No. Students applying for long-term study visas must purchase long-term health insurance instead of short-term Schengen insurance.
7. Does Schengen insurance cover medical repatriation?
Yes. All Schengen-compliant plans include emergency medical evacuation and repatriation of remains back to Taiwan if required.
8. How long does it take to receive the Schengen insurance certificate?
You receive the insurance certificate instantly by email after purchasing online. It is ready to be attached to your visa documents.
9. Does Schengen travel insurance cover flight delays or cancellations?
Only if you choose a plan that includes trip delay, missed connection, or trip cancellation benefits. Basic medical-only plans usually exclude this.
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Schengen Travel Insurance With 30,000 Euro Coverage
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Best US Travel Insurance companies for Schengen Visa insurance
You can find reliable Schengen visa insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Trawick International insurance.