Schengen visa travel insurance requirements
Acceptable medical insurance for many Schengen visa applications must meet criteria similar to:
- Medical coverage of at least €30,000 (verify the exact figure on your consulate checklist).
- Emergency medical evacuation and repatriation of remains.
- Valid for the whole Schengen stay you declare, unless officials ask otherwise.
Where this applies
If you are traveling to the Schengen area on a Schengen visa, you typically need proof of adequate medical insurance at application time. Member states include: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.
Key benefits in plain language
Medical care abroad
Coverage for doctor visits, hospital stays, eligible outpatient care, prescriptions, labs, and imaging up to your plan limits—so a sudden illness or injury does not turn into a large out-of-pocket bill.
Schengen-required benefits
Compliant plans include at least €30,000 in medical coverage plus emergency medical evacuation and repatriation of remains, which consulates routinely ask for.
Travel protection (plan-dependent)
Many policies also include benefits such as trip interruption, long trip delays, and lost baggage within stated limits. Exact amounts depend on the plan you choose.
Clear paperwork for the embassy
You get policy documents you can submit with a visa file. Timing and wording depend on the insurer; always check your certificate against the consulate checklist.
Frequently asked questions
What is Schengen travel insurance?
It is travel medical insurance that meets Schengen visa rules. You are usually asked to show proof of adequate coverage when you apply for a Schengen visa.
Why do I need travel health insurance when traveling?
Besides visa rules, home-country health plans often do not pay foreign hospitals directly. Travel medical coverage helps with eligible emergency costs so you are not left facing the full bill alone.
What are typical Schengen visa insurance requirements?
Policies are generally expected to include at least €30,000 in medical coverage and cover emergency medical evacuation and repatriation of remains. A consulate may publish extra conditions—always follow their checklist.
Which countries are covered?
For trips on a Schengen visa, you normally need insurance that covers the Schengen area. Commonly referenced members include: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.
What is usually covered in a compliant policy?
A compliant policy covers eligible emergency medical expenses up to the policy limit, plus evacuation and repatriation as required. Other benefits (trip delay, baggage, etc.) depend on the specific plan.
How do I get Schengen travel insurance through Kawenter?
Use the Travel Insurance section on our homepage to choose your destination and dates, then complete the flow. You will receive confirmation and policy documents according to the provider’s process.
Which travel insurance is best for Schengen?
The best plan depends on your age, trip length, activities, and budget. Start a quote on Kawenter and pick a policy that matches the consulate checklist and your comfort level on limits and deductibles.
Does my credit card include Schengen travel insurance?
Some cards offer limited travel perks, but they rarely replace a standalone policy that meets Schengen visa letter requirements. Confirm with your card issuer and the consulate before you rely on it.
How do I make a claim?
Claims are handled by the plan administrator shown on your documents. Keep invoices and medical reports, follow the deadlines in your policy, and contact support using the details on your certificate.
How much does Schengen travel insurance cost?
Price depends on traveler age, trip duration, selected limits, and optional add-ons. Enter your trip details on Kawenter to see available options side by side.
Apply now
We open the Travel Insurance card on the home page. Your destination may be prefilled to save a step.
