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US Citizens with a valid US passport can travel to the Schengen states up to a maximum of 90 days without the need of a Schengen visa.
Requirements for traveling to the Schengen region:
Americans visiting Europe for more than 90 days within a 180 day period should apply for an extended stay visa. A mandatory requirement for this extended stay visa is Travel Medical insurance with coverage up to 30,000€ (or the equivalent in USD) while living in Europe. A Visa Letter should be provided by the insurer clearly indicating that the traveler is insured for medical expenses, emergencies and hospitalization throughout the stay in Europe. It should also state any limit in the amount of coverage (or "unlimited" if there is no limit of coverage).
Even if insurance is not mandated and you do not need a visa (Americans do not need a visa to visit Europe for less than 90 days), travel medical insurance offered on this website are strongly recommended simply because health care is expensive in Europe and your US domestic insurance rarely travels beyond the US national borders. Medicare the other domestic US health insurance plans have very limited coverage outside the United States, and travel medical insurance is required to be financially safe while traveling.
Europe travel insurance for the citizens of the US is also called as the Schengen Visa Insurance. The requirements of the coverage for visitor insurance as per the Schengen Visa guidelines are medical benefits of at least €30,000 (the equivalent being about $50,000 USD) with coverage for accidents, sudden illness, repatriation. The insurance company must have a representative office in the Europe.
Emergency medical evacuation insurance commonly called “Medevac insurance” offer coverage for expenses arising from international security evacuation, medical evacuation and repatriation.
The Atlas Medevac insurance from Tokio Marine is a very popular emergency medical evacuation insurance among US citizens visiting Europe.
US senior citizens with Medicare need international travel insurance as Medicare offers limited or no coverage outside USA. Travelling overseas involves risks especially for older travelers and costs of medical evacuation and health care outside the United States is expensive. Buying Medicare Supplemental international Travel insurance coverage for older US travelers is strongly recommended.KNOW MORE
It is wonderful to see so many older Americans traveling to Europe. However while visiting Europe is exciting, US citizens should realise that Medicare and its supplements provide very little coverage outside US borders. There is a travel health insurance plan specifically designed for older American travelers. Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior as an affordable overseas travel medical insurance option for US citizens and US permanent residents 65 years and older. The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for coverage from 5 days to 365 days, or as a GlobeHopper Multi-trip plan which covers 12 months with a maximum of 30 days per each overseas trip. The GlobeHopper Senior plan is very popular since it provides coverage of $1 million up to the age of 79 years and $100,000 for travelers more than 80 years old. The plan includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition and $25,000 for emergency medical evacuation.
International travel insurance resources for travel emergency while outside your home country.
Important factors to consider while deciding on the best visitors medical insurance.
Understanding different types of US visitor health insurance options, fixed benefits vs comprehensive coverage.
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