Schengen Area Travel Medical Insurance:
Essential Coverage Explained

Traveling on a Schengen visa is one of the best ways to explore Europe, as this visa offers the freedom to visit and move freely between the 26 countries in the Schengen Area. But before you are approved for a Schengen visa, you will need to gather all required documents, including Schengen Area travel medical insurance.

Don’t stress. We’ll walk you through everything you need to know to get qualifying Schengen Area travel medical insurance for your 2024 or 2025 trip. Make sure you’re fully prepared so you can focus on enjoying your European journey.

Who Needs a Schengen Visa?

Only citizens of certain countries need a Schengen visa. See what countries require a Schengen visa and what countries are exempt. Keep in mind that everyone who enters Europe will need a valid passport.

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Requirements for Schengen Area Travel Medical Insurance

You are free to choose your own travel medical insurance for your Schengen visa. However, it must meet the following established insurance requirements:

  • Minimum coverage of 30,000 Euros (about USD *$32,879)
  • 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 due to the individual’s death
  • Coverage for the entire period of the individual’s intended stay or transit
  • Valid in all Schengen Area countries

*Exchange rate valid as of August 2024.

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Get Schengen Visa Approved with Atlas Travel Insurance

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 is flexible and allows you to input your unique coverage dates and choose from a range of plan deductibles and overall maximum limits. Just make sure your selection meets Schengen Area travel medical insurance requirements.

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
  • Accidental death (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 or get an Atlas Travel plan.

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Key Features of Atlas Travel Insurance for Schengen Area Trips

  • Visa Letter – Get access to a visa letter that serves as proof of valid Schengen visa insurance.
  • Travel Assistance Services – Call for assistance locating a medical provider, with lost travel documents, lost luggage, translations, and more 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 – You’re able to extend your 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 12 months for all other travelers (Coverage is not renewable except for non-U.S. citizens or residents whose travel does not include the U.S. – 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 $32,879)

✔ 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

 

*Exchange rate valid as of August 2024.

Get an Atlas Travel Quote

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:

  • Completed and signed Schengen visa application form
  • Passport
  • Two recent, color photographs that meet ICAO requirements
  • Fingerprints (may be collected at your visa appointment)
  • Application fee payment
  • Supporting documents which prove:
    • 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 Requirement Page.

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WorldTrips is a member of the Tokio Marine HCC group of companies. WorldTrips international travel medical insurance products are underwritten through binding authorities with TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company (HC).