11 FAQs for Schengen Travel Insurance


Embarking on a journey to Schengen countries is a thrilling prospect, but ensuring a smooth and secure trip involves more than just packing your bags. Among the essential components of travel planning is safeguarding yourself against unforeseen circumstances. To ensure that this experience does not become your nightmare, you should always remain covered by  travel insurance for any unforeseen financial crisis. 

In this Blog, I have highlighted 11 FAQs for Schengen Travel Insurance .Through these FAQs, I will navigate you through the ins and outs of why having travel insurance is necessary for your trip to Europe.

11 faqs for Schengen Travel insurance

Table of Contents

What is Schengen Area

The Schengen Area comprises of 27 European countries that have abolished passports and other types of border control at their mutual borders, facilitating seamless travel within this zone. 

Is Travel Insurance Mandatory for Schengen

Yes. Travel Insurance policy is mandatory to enter Schengen area in addition to Schengen visa before setting foot in any of the the listed Schengen countries.

What are Schengen Travel Insurance Requirements

To be approved for a Schengen visa, your insurance policy needs to meet the following requirements 

  • Your policy must have a minimum coverage of at least 30,000 euros 
  • Your policy must cover medical expenses such as hospitalisation, emergency treatment, and repatriation(in case of accident or death)
  • The policy should be valid in all 27 countries in the Schengen Area.
  • The validity of your policy should be for the entire duration of the time you are in the Schengen area

What is Covered under Schengen Travel Insurance

Schengen travel insurance policies cover various aspects to ensure financial protection during the trip. It typically includes several specific types of coverage such as 

  • Medical Expenses: This is the primary focus of most Schengen travel insurance policies It covers  emergency medical treatment, hospitalization, and repatriation in case of illness or accident during the trip.
  • Emergency Evacuation and Repatriation: If you need to be evacuated or repatriated due to a medical emergency, the insurance may cover these expenses.
  • Repatriation of Remains: In unfortunate cases of death during the trip, the insurance can cover the costs associated with repatriating the deceased’s remains back to their home country.
  • Trip Interruption/Cancellation: Some policies offer coverage for trip cancellation or interruption due to specific reasons like illness, death of a family member, natural disasters, or other unforeseen events. This coverage reimburses non-refundable trip costs.
  • Loss or Delay of Luggage: If your baggage gets lost, or delayed then your policy provides cover for such lost, stolen, or delayed baggage during the trip. Some policies may include reimbursement for essential items needed due to delayed baggage.
  • Personal Liability: Most policies provide you cover for damages caused to a third party or their property during the trip.
  • Travel Assistance: This can involve 24/7 emergency assistance services, such as arranging doctor appointments, medical translation services, or legal assistance.

Please remember, that the extent of your policy coverage can vary among insurance providers and policy plans. It’s essential to review the policy details thoroughly to understand the specific terms, limitations, exclusions, and the procedure for making a claim.

Note : The minimum coverage required for Schengen visa purposes is €30,000 for medical emergencies and repatriation. You need to ensure that the  travel insurance policy selected meets the minimum requirements specified by the Schengen Area countries for visa application purposes.

What is not Covered under Schengen Travel Insurance

Most Schengen Travel insurance typically covers various aspects, but there are certain situations and items that are commonly excluded from coverage by most insurance providers. Some general exclusions that most insurance providers apply in their policies are

  1. Pre-existing Medical Conditions: Most policies exclude coverage for pre-existing medical conditions or may have limited coverage for such conditions. Your insurance policy might not cover pre-existing medical conditions if you have not declared them beforehand. However, some insurers do offer optional add-ons to cover pre-existing conditions for an additional fee if you intend to include such medical conditions in your travel insurance policy.
  2. Reckless Behavior: If you resort to any reckless or unlawful behaviour causing intentional harm under the influence of alcohol or drugs, then any related expenses may not be covered.
  3. High-Risk Activities: Any high-risk activity such as adventure sports may not be covered in your policy unless explicitly included. Such additions if any may entail payment of extra premium.
  4. Non-Medical Reasons for War/Civil Unrest: If god forbid, your Schengen trip gets affected by unforeseen events caused by war, civil unrest, or government actions, then such conditions might not be covered by your insurance policy
  5. Travel to Restricted Areas: Travel to countries or regions under travel advisories or deemed as high-risk by the insurer might not be covered.
  6. Loss of Unattended Belongings: If you suffer losses or theft due to any belongings left unattended or not stored securely then in such cases you may not get any policy coverage.
  7. Failure to Follow Medical Advice: If the insured disregards medical advice or fails to take prescribed medications leading to health complications, it might not be covered.
  8. Unapproved Extensions: If you stay in the Schengen area beyond the policy duration then any incident during this period may not be covered if your policy is without proper extension or renewal.

Note : It’s essential to carefully read the policy documents to understand the specific exclusions, limitations, and conditions of coverage. If there are specific concerns or activities you plan to undertake during your trip, it’s wise to inquire with the insurance provider about coverage for those particular situations.

Can I Extend my Schengen Travel Insurance Policy

Yes, in most cases, you can extend the duration of your Schengen travel insurance policy if your travel plans change and you need coverage for a longer period. However, this depends on the insurance provider and their specific terms and conditions. 

I have specifically mentioned certain common points  below that are considered by insurance providers for policy extension

  1. Timeframe: You need to initiate the extension process before your current policy expires. Most insurance companies won’t extend coverage after the policy has ended.
  2. Eligibility: Check if your policy allows extensions and under what circumstances. Some policies may have restrictions or specific conditions for extensions.
  3. Coverage Continuity: Ensure there’s no gap in coverage between your current policy’s expiration and the start of the extended coverage. This might be crucial if you’re still traveling or plan to resume travel after a brief pause.
  4. Duration and Cost: You need to understand the maximum extension period and any additional costs associated with extending the policy. Sometimes, there might be a limit to how long you can extend your coverage.
  5. Documentation: You need to provide necessary documentation or information required for the extension, such as travel itinerary, reasons for extension, and any changes in your plans.
  6. Policy Changes : You might not be able to modify certain aspects of the policy, such as coverage limits or deductible amounts when getting your policy extended
  7. Contact Your Provider: It is always advisable to Reach out directly to your insurance provider’s customer service or agent to discuss the extension. They will guide you through the process and provide specific information regarding your policy.

What is the Claims Process for Schengen Travel Insurance

The claims process for Schengen travel insurance typically involves several steps:

  1. Notification to Insurer: You need to inform your insurance provider about the incident or event that requires a claim as soon as possible. Most insurers have a helpline or an online claims notification process.
  2. Documentation: You need to gather all the necessary documents related to the incident. This might include police reports (in case of theft or loss), medical reports and bills, receipts for expenses incurred, travel tickets, and any other relevant paperwork
  3. Claim Form: Every Insurance company provides a claim form. You need to Obtain and fill out the claim form. This form will require details about the incident, your policy number, personal information, and specifics about the expenses incurred.
  4. Submission of Documents: You need to submit the duly filled claims form along with the required supporting documents to the insurance company. Many insurers allow online submission of documents, while some might require physical copies.
  5. Review Process: Your insurance company will review your claim along with the provided documentation. They may contact you for additional information if needed.
  6. Decision and Settlement: After assessing the claim, the insurer will make a decision regarding the coverage and the amount to be reimbursed. Once approved, they will proceed with the settlement.
  7. Reimbursement: If your claim is approved, you’ll receive reimbursement for the covered expenses as per your policy terms. This might be through direct payment to you or through a reimbursement process where you pay initially and then get reimbursed.

Note : It’s essential to thoroughly read your insurance policy to understand what is covered and the specific procedure for filing a claim. Additionally, keeping copies of all relevant documents and receipts can significantly facilitate the claims process. If you’re unsure about any aspect of the claims process, I recommend you to contact your insurance provider ASAP for guidance and clarification.

How to buy Schengen Travel Insurance

You can buy Schengen travel insurance by following these steps :

  1. Determine Your Needs: Before buying a policy, you need to understand the requirements for Schengen travel insurance. Check the coverage needed for the duration of your trip, medical coverage limits, repatriation coverage, etc.
  2. Research and Compare : Always do extensive research on different insurance providers and their policies. Compare their coverage, premium, and benefits and select a plan suited to your needs. It is always advisable to look for  reputable insurers with good customer reviews.
  3. Policy Selection: Once you have identified potential insurers, visit their respective official websites and select the policy that best fits your travel plans. You need to pay utmost attention to coverage limits, deductibles, medical coverage, emergency assistance, and additional benefits like trip cancellation/interruption coverage etc.
  4. Generation of Quotation : Get the best quotes from your selected insurers. Always make sure to enter necessary inputs such as trip duration, traveller information, coverage requirements etc. to get an accurate quote.
  5. Application: Always fill out your insurance policy application form accurately by providing correct and necessary personal details, trip information, and any additional information required by the insurer.
  6. Payment: Make payment once all the policy documentation and formalities are completed for the selected policy. You can also buy Schengen Travel Insurance policy online using a credit/debit cards, net banking or any other specified payment gateway. Most insurers offer online payment options through their website or through authorized agents. Always make sure that the payment gateway is genuine and secure.
  7. Policy Documentation: After payment, you’ll receive policy documents either through email or mail. Carefully review these documents to understand the coverage, exclusions, and emergency contact information.
  8. Travel with Documentation: Always carry a copy of your insurance policy and the emergency contact information with you while traveling. Some countries might require you to show proof of insurance upon entry.

Note : Please remember that it is crucial to purchase Schengen travel insurance that meets the minimum coverage requirements as mandated by the Schengen area countries. Additionally, ensure that the insurance policy is valid for the entire duration of your trip and covers all the necessary aspects to avoid any issues during your travels.

What are the types of Schengen Travel Insurance

Schengen travel insurance policies typically come in different types, each catering to various needs of travelers. You need to choose the type which is best suited to your travelling needs. Here are some common types offered by most insurance providers:

  1. Single-Trip Insurance: This covers a single trip for a specific duration. It’s ideal for individuals or families traveling once within a defined period. Once the trip ends, the coverage also ends.
  2. Multi-Trip Insurance: Also known as annual travel insurance, this type covers multiple trips within a year. Each trip usually has a maximum duration limit, and the policy remains active for a year from the start date.
  3. Comprehensive Coverage: Provides comprehensive insurance including medical expenses, trip cancellation/interruption, baggage loss, emergency evacuation, and other benefits. It offers broad protection for various travel-related incidents.
  4. Medical-Only Coverage: This type of policy focuses  primarily on covering medical expenses incurred during the trip, including emergency medical treatment, hospitalization, and repatriation. It might not include additional benefits like trip cancellation.
  5. Group Travel Insurance: This type of policy is tailor-made for groups traveling together, such as families, friends, or tour groups. It can provide coverage for multiple individuals under one policy, often at a discounted rate.
  6. Schengen Visa Travel Insurance: This type of policy is specifically designed to meet the minimum requirements set by Schengen countries for obtaining a visa. It typically includes coverage for medical emergencies, repatriation, and other stipulated aspects.
  7. Specialized Coverage: Some policies cater to specific needs like adventure sports coverage, coverage for older travelers, or business travel insurance, offering benefits tailored to those particular situations.

Note : When choosing the type of Schengen travel insurance, you need to consider factors such as the duration and frequency of travel, the level of coverage needed, specific requirements of the countries you plan to visit, and any additional benefits that might be essential for your trip. Always carefully review the policy details to ensure it meets your specific travel needs.

Which is the Best Schengen Travel Insurance

Determining the “best” travel insurance for travel to Schengen countries depends on individual needs, preferences, and coverage that aligns with your travel plans. However, several insurance companies are well regarded for their Schengen travel insurance offerings based on their coverage options, customer service, and overall reputation. When choosing the best travel insurance, you need to consider the following factors:

  • Coverage Needs: Ensure the policy covers your specific needs, such as medical emergencies, trip cancellations, or adventure activities you plan to undertake in Europe
  • Policy Limits and Exclusions: You need to check policy coverage limits, exclusions, and conditions to understand what’s included and what’s not covered.
  • Customer Reviews and Reputation: Look for reviews and ratings from other travelers to gauge the insurer’s reliability and customer service.
  • Price and Value: Always compare prices among different insurers while considering the value offered in terms of coverage and benefits.

Note : When considering an insurance provider, it’s crucial to review the policy details, including coverage limits, exclusions, claim procedures, customer reviews, and the insurer’s reputation for handling claims and providing assistance during emergencies. Additionally, ensure that the chosen policy meets the specific requirements set by the Schengen countries for visa purposes, if applicable.

Which is the Cheapest Schengen Travel Insurance

Determining the absolute cheapest Schengen travel insurance can vary widely based on several factors, including the duration of the trip, coverage limits, the traveler’s age, specific requirements, and the insurance provider’s offerings. However, several insurers might offer relatively affordable options:

  1. Travel Insurance Aggregators: These aggregators allow you to compare quotes from various insurance providers, helping you find more cost-effective options.
  2. Local Insurance Providers: Sometimes, local insurance companies in the country you reside in might offer competitive rates for Schengen travel insurance. It’s worth exploring local options to check for affordable policies.
  3. Basic Coverage Plans: Some insurers offer basic plans that meet the minimum Schengen visa requirements at a lower cost. However, these might have limited coverage compared to more comprehensive policies.
  4. Single-Trip Policies: If you’re taking a one-time trip, single-trip policies can often be more cost-effective than annual or multi-trip policies.

Remember, while affordability is essential, it’s equally crucial to ensure the policy provides adequate coverage for your needs. Always review the policy details, including coverage limits, exclusions, and the insurer’s reputation for customer service and claim settlement.

Note : Comparing multiple insurance providers and policies is key to finding an affordable option that still offers suitable coverage for your trip. Additionally, consider reaching out directly to insurance companies to inquire about any ongoing promotions or discounts that might make the policy more cost-effective for you.

Important Information on Schengen Area

Category Description
27 Schengen Member Countries Austria, Belgium, Czech Republic, Croatia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.
Currency Euro
Exchange Rate USD 1=0.9 Euro
For more information Log in at https://en.wikipedia.org/wiki/Schengen_Area


In conclusion, getting a suitable Schengen travel insurance coverage is not merely a requirement for your seamless travel within the Schengen Area, it is also a safety net that ensures peace of mind. Whether exploring vibrant cities, indulging in cultural experiences, or admiring natural wonders, having reliable insurance is a fundamental aspect of ensuring a smooth and enjoyable travel experience within the Schengen Area.

Choose the right Schengen travel insurance policy after careful consideration of individual needs, duration of stay, and activities planned during the trip. While it might seem like an additional expense, it serves as a vital safeguard against financial and health-related risks.

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