Get Travel Medical Insurance That Meets Current Schengen Visa Requirements

Traveling on a Schengen visa is one of the most convenient ways to experience Europe. A Schengen visa will allow you to visit and move freely between the 26 countries that make up the Schengen Area.

But before you are approved for a Schengen visa, you will need to gather all of the required documents. One such requirement is having travel medical insurance that meets Schengen visa insurance requirements.

Below, we outline what you need to make sure you have qualifying travel medical insurance for your trip to the Schengen Area in 2023.

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Requirements for Schengen Visa Insurance in 2023

You are free to choose your own travel medical insurance for your Schengen visa. However, it must meet the insurance requirements as established in Regulation 810/2009 (the Visa Code).

To be valid, Schengen visa insurance must include:

  • Minimum coverage of 30,000 Euros (about USD $32,210)

  • Coverage for expenses which might arise in connection with repatriation for medical reasons

  • Coverage for expenses which might arise in connection with urgent medical attention and/or emergency hospital treatment

  • Coverage for expenses which might arise as a result of the individual’s death

  • Coverage for the entire period of the individual’s intended stay or transit

  • Valid in all Schengen Area countries

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Atlas Travel Meets Schengen Visa Insurance Requirements

Atlas Travel is budget-friendly travel medical insurance for unexpected health issues abroad. The insurance is valid in the Schengen Area and nearly anywhere else you travel outside of your home country.

Atlas Travel offers multiple coverage levels so you can choose the plan that’s right for you. Plus, Atlas Travel plans start at $0.50* per day and peak at $27.70** per day. That means plans can fall anywhere between $3.50 and $193.90 per week.

Atlas Travel Highlights Ideal for Schengen Travelers

  • Up to $2,000,000 for unexpected injury or illness

  • Up to $1,000,000 for Emergency Medical Evacuation

  • AD&D and Repatriation benefits

  • 100% coverage for eligible expenses incurred in the Schengen Area after the deductible and up to the overall maximum limit

See more Atlas Travel benefits. 

Atlas Travel Features Ideal for Your Schengen Area Trip

Visa Letter

Get access to a visa letter that serves as proof of valid Schengen visa Insurance.

Schengen Area Providers

Find doctors and hospitals in all Schengen Area countries.

Travel Assistance Services

Call for referrals or assistance with lost travel documents, lost luggage, or translations 365 days a year.

Flexibility

Choose the deductible that's right for you: $0, $100, $250, $500, $1,000, $2,500, or $5,000. 

Immediate Fulfillment

Buy online and get your policy documents immediately. 

Ease of Use

Purchase coverage while traveling, extended coverage after purchase, or cancel your policy if your plans change. 

How Atlas Travel Meets Schengen Visa Insurance Requirements

Schengen Visa Insurance Requirement

Atlas Travel Benefit

Coverage for expenses which might arise in connection with repatriation for medical reasons

✔ Up to $2,000,000 in maximum coverage for those under age 65

✔ Up to $100,000 in maximum coverage for those age 65-79

Coverage for expenses which might arise in connection with urgent medical attention and/or emergency hospital treatment

✔ Hospital Room and Board

✔ Local Ambulance

✔ Emergency Room Co-Payment

✔ Intensive Care Unit ✔ Physical Therapy & Chiropractic Care

✔ Terrorism

Coverage for expenses which might arise as a result of the individual’s death

✔ Accidental Death & Dismemberment (AD&D)

✔ Repatriation of Remains

✔ Local Burial or Cremation

✔ Common Carrier Accidental Death

Coverage for the entire period of the individual’s intended stay or transit

✔ Coverage available up to 365 days for non-U.S. citizens or residents whose travel does not include the U.S. (Coverage may be renewed for up to 2 additional coverage periods – see the Atlas Travel FAQ for details)

✔ Coverage available up to 364 days for all other travelers (Coverage not renewable)

Minimum coverage of 30,000 Euros (about USD $33,819)

✔ Up to $2,000,000 in maximum coverage for those under age 65

✔ Up to $100,000 in maximum coverage for those age 65 to 79

Valid in all Schengen Area countries ✔ Meets Schengen visa insurance requirements

Not Sure What You Need, Exactly?

We can help you decide.

Give us a call at (800) 605-2282 (within the U.S.) or +1 (317) 262-2132 (outside the U.S.).

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Other Requirements for a Schengen Visa

In addition to having insurance that meets Schengen visa requirements, you will need to submit the following to your designated consulate as part of your application:

    • The purpose of your travel

    • That you have planned for accommodations

    • Your intentions to return to your country of residence at the end of your trip

    • Your means of subsistence

See examples of acceptable supporting documents on Schengen Visa: Everything You Need to Know.

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WorldTrips is a service company and a member of the Tokio Marine HCC group of companies.

WorldTrips' Atlas Travel Series international travel medical insurance products are underwritten by Lloyd's. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.