European Travel Insurance FAQs and Answers

Schengen visa insurance quote

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What does Schengen visa travel insurance cover?

Satisfies Visa requirements

Schengen visa insurance satisfies consulate requirements.

Doctor visit

Schengen travel insurance covers Doctor visits in case of sudden injury or sickness.

Medical evacuation

Emergency medical evacuation expenses to nearest available facility if needed.

Health care expenses

Covers emergency medical expenses for accidental injury or illness.

Repat of remains

Offers coverage for repatriation of remains expenses to home country in case of death.

Pre-existing conditions

Travel insurance offers coverage for acute onset of pre-existing conditions.

Testimonials - From Our Customers

I had a no-problem trip but Seven corners was easy to deal with in the securing of the travel insurance and dealing with a few issues prior to departure.


I have always gotten a quick response with a live person. I placed a claim, we will see it their payment to me is as good as their customer service is.


Good policy options and pricing. Like to purchase high coverage for medical without covering full cost of trips - like the options Seven Corners provides.


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Get answers to all your questions?

What are the insurance specifications that the schengen state consulates require for issuing the Schengen Visa?

Following are the insurance requirements for Schengen Visa:

  • Medical evacuation/repatriation coverage of at least EUR 30,000.
  • Insurance must be valid for duration of stay in the Schengen states.

How many countries are covered under Schengen Visa?

Currently, Twenty Seven countries are covered under the Schengen Visa.

Which plans satisfy the Schengen Visa Requirements?

What are the insurance requirements for US citizens traveling to Schengen countries for more than 90 days (long term europe travel insurance)?

The plans satisfying Schengen visa requirements are:

  • American citizens who are planning to stay in schengen countries for more than 90 days need long term visa.
  • The medical expenses covered should be up to $50,000 (or the equivalent in euros).
  • The coverage should be valid for the entire period of stay in Schengen countries.
  • The insurance provider will give the visa letter with the details of coverage for medical expenses, emergencies and hospitalization for a long stay in Europe.
  • The visa letter will also show limitation in the amount of coverage if there is a limit or as "unlimited" if there is no limit on coverage.

What are the factors that affect the premium of the Schengen visa insurance plan?

The premium depends on different factors mainly the age of the applicant and period of coverage required. Higher the age of the traveller and the risk of expenses higher the premium. Likewise the premium is high for higher duration of coverage and coverage maximum.

How long does it take to get the Schengen Visa letter online?

Many customers are in a bit of a rush when getting their documents in order for the Schengen visa. For most clients, the visa letter can be obtained either Immediately after purchase or within an hour after purchase.

Residents of Maryland (MD), however, need at least one business day (preferably two) because their letters have to be requested. For more information, please see our Informative Blog.

What is a Schengen visa letter and how can I get one?

In order to obtain a visa for the Schengen countries of Europe, you are required to show a "visa letter" along with your application. This letter is written by the insurance company delineating the coverage benefits of the policy and signed by them. This makes it easy for consulates to verify that it meets with their requirements.

Obtaining these letters is relatively easy, but the specifics depend on the company from which you purchase your policy. Two companies will send links to the letter in their confirmation email which you will receive immediately after your purchase. For a third company, you have to log onto the company's client website to download the letter (or our friendly agents can do this for you!).

Finally, residents of Maryland, who cannot purchase from any of those companies will need one business day in advance so that we can request this letter from the company. The letters are sent electronically to your email and are considered official documents even though you print them out yourself. For more details, be sure to read our detailed blog on the subject.

My visa was not granted, can I get my money back on my insurance policy?

Yes. For any of the companies we recommend, you can get a full refund on the policy. (The one exception is the policy available for Maryland residents). However, you must cancel the policy BEFORE the start date AND you must contact the insurance company IN WRITING.

They do accept email notification, so this is a very quick procedure and you can expect a refund onto the same credit card you used for your purchase within 7 to 10 business days. If you cancel after the start date, some companies will only refund full months and they may also charge a cancellation fee.

So it is important to cancel as soon as you realize you will not be going on your trip. For more information, please check out our Informative Blog.

Can I obtain my documents in another language?

Yes, the Visa letter can be obtained in other languages. The options are available on the company client zones for some companies like International Medical Group and WorldTrips within an hour after your purchase of the plan.

We can also download these and forward them to you. For some companies like Seven Corners and Trawick International the letter will be provided at the time of enrolment which can be used to obtain the Schengen visa letter.

WorldTrips offers visa letter in English and Spanish. International Medical Group (IMG) offers visa letter in English, Spanish and French
For more information, read our Blog on Schengen Visa.

Does the low cost insurance cover all schengen countries?

Yes! In fact, all the policies we sell will cover you anywhere outside of your home country. So, if your trip will include other areas of the world besides those Schengen countries, buy your policy to cover your whole trip for the added security of knowing you will be covered in case of sudden illness or medical emergency! Furthermore, you will get some travel benefits like lost baggage and trip interruption as well.

For more details, be sure to read the brochure of the policy you are considering. You can also read our Blog on Schengen Visa.

Should we select deductible as $0 while buying insurance? Will the insurance satisfy Schengen visa requirements?

The Schengen visa consulate haven't made this mandatory. However some consulates like th French consulate has insisted on having an $0 deductible insurance plan to satisfy their visa requirements.

If you have already purchased a plan with a higher deductible and need a plan with $0 deductible. You can cancel the plan and buy a new plan provided the plan coverage has not yet started.

Will the insurance plan pay all the claims? Will it pay directly or is it reimbursement?

Not all insurance plans pay everything. They may offer coverage to satisfy Schengen visa requirements but may have some limits on specific type of coverage. Do read through the insurance plan brochures to check what is covered and what is excluded.

Some companies pay directly and only if you go to the hospital or doctor included in their Provider Network. Do check the company's list of provider network before you get treated.

What if I’m visiting multiple countries in the Schengen area? While buying insurance the insurance plan asks only one country as a primary destinations. Will the visa letter bought for one country be applicable for all the countries I visit as well?

The visa letter is applicable for all countries in the Schengen area. The traveller usually applies for the visa in the consulate of the country that you are first visiting within the Schengen area. The visa letter and the Schengen visa is valid in all 25 Schengen countries.

Which are the types of visas issued while visiting or living in Schengen states?

These are broadly the different visas issued for visiting and living in the Schengen states:
Schengen Visa based on the type of traveller:

  • Schengen tourist visa

    Visiting the Schengen area as a tourist or on a visit to meet family members living in the Schengen Zone.

    On a tourist visa travelers are allowed to reside in the designated Schengen country for the maximum of 3 months/90 days. During this time, the traveller is not allowed to work unless explicitly states in the visa differently.

    If the visitor is traveling a lot and not only in one Schengen country it is recommended to fill in the “multiple entry” gap in the application form. This allows the visitor to enter and leave Schengen Zone without constraints during the time allowed on the issued tourist visa. If the traveller desires to stay longer than the allowed period of time, he/she will have to apply again in the embassy to extend the visa.

  • Business visa

    This is issued to persons with the sole purpose of doing business in the designated Schengen country/countries. The business visa is commonly valid for stays no more than 90 days.

    Again, if the traveller is visiting other nations and not only in one Schengen country it is recommended to fill the “multiple entry” gap in the application. This will allow the visitor to enter and leave the Schengen Zone with flexibility during the time allowed on the visa.

  • Student visa

    This is a visa issued to students who are already accepted at a certified educational institution.

    For students planning to study in the Schengen country, it is mandatory to apply for a residency permit with the appropriate authority. Commonly, you apply for the residency permit after you arrive at the Schengen country with the Schengen visa.

    The good part of the residency permit is that it allows students to travel throughout the whole Schengen area, without any additional documents required. The residency permit is stamped on the students passport.

  • Work visa

    For the sole purpose of traveling in the Schengen states to work in a Company inside the Schengen Zone. The work visa goes under the long-term visa type which entitles the traveller to reside in the Schengen Zone for the time he/she is employed in the designated country. Immediately after settling, the traveller is obliged to apply for a residency permit which entitles the same rights as any other EU citizen.

  • Transit visa

    The Airport transit visa allows its holder to travel through the international zone of the Schengen Country Airport without entering the Schengen Country Area. The transit visa itself allows its holder to transit within no more than 5 days through more than one Schengen country by car, coach or plane on the way to a non-Schengen country.

Does Schengen visa travel insurance usa cover covid19 illness? Does health insurance schengen visa cover coronavirus?

There are some USA Covid travel insurance plans available for travel that cover covid19 as a new illness. International travelers can Compare Best Covid Travel Insurance Plans and buy it online.

These US covid travel insurance plans are available for visitors to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.

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Popular Schengen Visa insurance providers

You can find reliable Schengen visa insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Trawick International insurance.

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