Schengen visa insurance is mandatory for most non-U.S. citizens traveling to Schengen countries in Europe. It is also required for U.S. citizens traveling to Schengen areas for longer than 90 days.
Schengen visa insurance may be comprised of various benefits, some of these standard benefits include:
It is a mandatory benefit for Schengen visa insurance. If you were to get sick or injured while on a trip, this benefit would pay for eligible medical expenses. Your domestic health insurance may not provide the coverage outside the U.S. or it may be subject to higher deductible, higher coinsurance and higher out of pocket maximums.
Soon after purchasing Schengen travel insurance, you will either receive a visa letter as an attachment in an email confirmation or you can download it from this web site. You can present that letter to the Consulate at your visa appointment.
Trip interruption is a valuable benefit that would pay for making necessary travel arrangements if you needed to return home earlier than planned due to covered reasons such as death of a close relative or your primary residence is flooded.
It is a mandatory benefit for Schengen travel insurance. If you were to get injured or seriously sick, it would pay for transportation to the nearest medical facility where adequate care can be given. Once you are stable enough to travel long distance, it may also pay for you to return to your home country. Your domestic insurance would not provide such coverage.
It is a mandatory benefit for Schengen visa insurance. In the unfortunate event that you were to pass away on your trip, this benefit would help your family bring the body back to your home country or arrange for local cremation.
In case of accidental death or loss of one or more limbs, this benefit would provide a lump sum benefit to your family or you. Some insurance plans provide higher coverage if caused as a result of traveling in a common carrier, such as airplane, train or bus.
Your domestic health insurance does not meet the Schengen visa insurance requirements.
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Get QuotesDepending on what is most important for you to have covered, there may be a plan better tailored to your needs:
While our Schengen visa insurance section lists the selected products that provide an immediate visa letter, there are more travel insurance products to choose from for those travelers that are not in a hurry. Such products may provide some benefits that other travel insurance products may not provide such as coverage for pre-existing conditions under certain circumstances.
If you are visiting Europe several times during a given year, consider purchasing annual multi-trip travel insurance that would cover you for any number of trips in one year. It is cost effective and provides a high amount of coverage. Moreover, you don't need to worry about buying it for every trip.
If you were to cancel your European trip, travel providers may not give you the refund of your prepaid trip costs. You can purchase trip cancellation insurance to cover them for covered reasons. Alternatively, cancel for any reason travel insurance is available as well so that you can plan your worry-free European tour.
Group travel insurance is suitable for Europe group tours where 5 or more travelers have the same trip duration. It is usually 10% cheaper compared to individual travel insurance and still provides an individual visa letter for each person to present to the European consulate.
Our insurance guide makes it very easy to navigate the complexities of Schengen travel insurance.
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