Finding the best Schengen travel insurance: International health coverage for travelers

Schengen travel insurance is more than just a visa requirement – it’s your safety net when traveling in Europe. Whether you're visiting for vacation, work, or to study, this international health insurance helps protect you from high medical costs and unexpected emergencies. In this Schengen visa guide, we’ll break down why you need it, who must have it, and what to look for in a good policy.

What is Schengen travel insurance for international travelers?

Schengen travel insurance is a type of international health insurance required for travelers applying for a Schengen visa. It provides coverage for medical emergencies, including doctor visits, hospitalization, and repatriation (returning to your home country for medical reasons or in the event of death).

Why is Schengen travel insurance required?

Schengen travel insurance is a mandatory requirement for most travelers who need a short-term Schengen visa (Type C) for stays up to 90 days. The primary purpose of this insurance is to make sure that travelers are financially protected in case of medical emergencies while in Europe.

European healthcare can be expensive for non-residents, and if you're uninsured, you could end up with a significant bill—or even denied treatment.

4 Schengen travel insurance requirements you should know

To be accepted by consulates and visa authorities, your travel insurance must meet specific requirements:

1. Minimum coverage of €30,000: The insurance must cover at least 30,000 euros in medical expenses. This includes emergency medical care, hospitalization, and urgent treatments.

2. Coverage across all Schengen countries: Your policy must be valid in every Schengen member state, regardless of your entry point or travel itinerary.

3. Coverage for the entire duration of your stay: The insurance must remain active for the full length of your stay in the Schengen Area.

4. Includes repatriation and emergency evacuation: This means the insurance must cover costs for returning you to your home country due to a medical emergency or death.

Who needs Schengen travel insurance?

• Tourists from countries that require a Schengen visa

• Business travelers

• Students attending short courses

• Visiting family or friends

If you’re from a country with visa-free access to the Schengen Zone (like the U.S., Canada, or Australia), you are not legally required to have travel insurance—but it’s still highly recommended.

Find the best international health insurance for your needs

Global Law offers tailored travel insurance plans for international visitors, students, immigrants, and Schengen visa applicants. With our easy-to-use platform, you can get quick quotes and choose the coverage that best suits your travel needs.

Whether you’re heading to the U.S. or Europe, we provide comprehensive, flexible plans. What sets us apart is our personalized service and variety of coverage options, ensuring you’re fully protected no matter where you go.

Deep dive into travel insurance for international trips

International travel insurance is a safety net designed to protect travelers from financial losses and emergencies while abroad. An international travel insurance generally includes:

Common mistakes to avoid

• Submitting insurance that doesn't mention Schengen-wide coverage

• Buying a policy that ends before your trip ends

• Choosing a plan that doesn’t include repatriation coverage

• Not attaching the insurance certificate to your Schengen visa application

Any of these could result in visa rejection, even if the rest of your application is perfect.

Tips for choosing the right policy

• Assess your destination: Risk levels vary by country. Look for region-specific coverage.

• Check the exclusions: Pre-existing conditions, high-risk activities, or alcohol-related incidents might not be covered.

• Compare providers: Read reviews and understand the claims process.

• 24/7 assistance: A good insurer offers round-the-clock emergency support, like Global Law.

Don't let a single medical emergency result in thousands of dollars

Travel insurance isn’t just a formality—it’s an essential part of any international journey. It allows you to travel with confidence, knowing that if something unexpected happens, you won’t be left dealing with it alone—or out of pocket.

Whether you're a first-time traveler or a seasoned globe-trotter, investing in a reliable travel insurance plan is one of the smartest decisions you can make before leaving home.

FAQs

What is the best travel insurance for Schengen visa?

The best Schengen travel insurance should meet all visa requirements, offering at least €30,000 in medical coverage, repatriation, and emergency evacuation. Look for a provider with comprehensive plans and good customer reviews, such as Europ Assistance or other reputable insurers.

Where can I find cheap Schengen travel insurance?

Several companies offer affordable plans for Schengen visa applicants. You can compare providers online to find the best balance of price and coverage, ensuring it meets all visa requirements.

What is the cheapest Schengen travel insurance for Spain?

For travelers specifically heading to Spain, look for affordable travel insurance that provides full coverage within the Schengen Area. Make sure it includes emergency medical coverage, hospitalization, and repatriation.

What is the cheapest travel insurance for Schengen visa?

To find the cheapest Schengen visa insurance, look for providers that offer basic coverage for medical emergencies, but ensure that it still meets all visa criteria, such as a minimum coverage of €30,000.

Is Schengen insurance required for the UK?

Yes, if you're a UK traveler applying for a Schengen visa, you need Schengen insurance that meets the required medical coverage criteria to enter Schengen countries.

What is Schengen tourist insurance?

Schengen tourist insurance is designed for travelers visiting Schengen countries for tourism. It includes coverage for medical emergencies, trip interruptions, and more, as required for visa applications.

What are the Schengen travel insurance requirements?

Schengen travel insurance must meet specific requirements, including a minimum coverage of €30,000, valid across all Schengen countries, and covering emergency medical treatment, repatriation, and evacuation.

What is Schengen travel insurance for Spain?

Schengen travel insurance for Spain meets the visa requirements for travelers visiting Spain. It provides necessary medical coverage, repatriation, and emergency services.

What is Schengen travel insurance UK?

Schengen travel insurance for the UK is a policy that meets the requirements for UK travelers applying for a Schengen visa. It must include medical and emergency coverage for the duration of the stay in Schengen countries.

Is travel insurance needed for Schengen visa?

Yes, travel insurance for Schengen visa is required for visa approval. It ensures that you have financial protection in case of a medical emergency during your stay in Schengen countries.