Schengen Visa Travel Insurance 2026

Ensure your Schengen visa application meets the insurance requirements by choosing a Schengen-compliant travel medical insurance plan. Compare coverage that includes the mandatory €30,000 medical benefit, emergency medical evacuation, and repatriation. Receive your embassy-accepted insurance certificate instantly and enjoy protection throughout all 29 Schengen countries during your trip.

Embassy-accepted certificate 24/7 emergency support No hidden fees From $1/day Emergency hospitalization covered Medical evacuation included
Schengen Visa Insurance - Get Your Quote
Enter details below - compare plans in seconds


lock Secure & encrypted purchase schedule Certificate issued instantly replay Full refund if visa is denied lock No hidden fees
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€30K+
Min. medical coverage
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29
Schengen countries
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Instant
Visa certificate
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100%
Embassy compliant
groups
200K+
Travelers insured
info Mandatory for Visa Holders

Do I Need Travel Insurance for Schengen Countries?

Yes. Travel insurance for Schengen visa is mandatory if you are applying for a Schengen visa. Your policy must meet Schengen visa travel insurance requirements, including:

  • Minimum medical coverage required : €30,000 (approximately $50,000)
  • Emergency medical expenses
  • Hospitalization
  • Medical evacuation

If you do not need a visa, travel insurance is optional but still highly recommended due to potential high medical costs for foreigners.

Quick Summary

Which Travel Insurance Should I Buy for Schengen Visa?
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Most Affordable - Atlas International Insurance - Schengen-compliant coverage from just $1/day*
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Most Popular - Patriot International Lite - Trusted by thousands of travelers, fully meets Schengen visa requirements Most Popular
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Best Value - Safe Travels International - Comprehensive Schengen visa coverage from $18/week*
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Best for Pre-Existing Conditions - Travel Medical Global Choice - Includes acute onset coverage for travelers up to age 79

*Premiums vary by age, trip duration, and selected coverage level. All listed plans meet official Schengen visa insurance requirements.

infoWho Must Apply

Who Needs to Apply Schengen Visa?

Before traveling to Schengen country, it is essential to purchase Schengen visa travel insurance to meet the visa requirements.

You need to apply for a Schengen visa:
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If you are not a citizen of the European Union (EU), European Economic Area (EEA), or Switzerland.
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If you plan to stay in Schengen countries for up to 90 days within a 180-day period for tourism, business, or visiting family.
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Exceptions: Some non-EU countries have visa waiver agreements with the Schengen Zone, meaning their citizens can enter Schengen countries without a visa for short stays (usually up to 90 days).
Nationalities who needs a Schengen visa →
On American Visitor Insurance, you can easily buy the travel insurance online to get the visa letter to submit to the Schengen consulate for your visa application. Once your Schengen visa travel insurance is purchased, you will receive:
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Insurance details with the toll-free number

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Virtual ID card - a digital insurance card you can access instantly on your phone, no physical card required.

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Instant Schengen visa insurance letter for your visa application, which serves as proof of coverage.

checklist What's Required

What Are the Schengen Visa Travel Insurance Requirements?

Travelers who need a Schengen visa should buy travel insurance satisfying Schengen visa requirements:

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Travel insurance coverage of 30,000 Euros

Schengen visa travel medical insurance minimum 30000 euros requirement (~USD $35,000 as of May 2026) for emergency medical treatment and repatriation.

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Valid in All 29 Schengen States

The policy must be valid in all 29 Schengen countries.

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Medical Repatriation Coverage

Coverage for medical repatriation and emergency medical care.

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Entire Duration of Stay

The policy must be valid for the entire duration of your stay in the Schengen Area.

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100% Coverage / No Deductible

The policy should offer 100% coverage with no excess/deductible.

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Official Insurance Letter

Carry digital and printed copies. You may be asked for proof at border checks or during visa processing.

lightbulb Tip: Always carry a digital and printed copy of your policy - you may be asked for proof at border checks or during visa processing.
task_altSchengen Insurance Compliance

Hassle-Free Schengen Visa Insurance Compliance

When you purchase your Schengen travel insurance through American Visitor Insurance, you don’t need to worry about meeting embassy requirements yourself. Simply enter your age and travel dates in our quote form, we automatically show plans that meet all Schengen visa insurance requirements, including minimum medical coverage and emergency evacuation benefits.

After purchase, you will instantly receive an official Visa Letter / Confirmation of Coverage from the insurance provider. This document verifies that your plan satisfies Schengen visa requirements and can be submitted with your visa application. You may also present it at immigration when entering any Schengen country as proof of valid travel medical insurance.

health_and_safety Coverage

What Does Schengen Visa Travel Insurance Cover?

Comprehensive protection designed for Schengen consulate compliance and your peace of mind.

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Satisfies Visa requirements

Schengen visa insurance satisfies consulate requirements.

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Medical Evacuation

Emergency medical evacuation expenses to nearest available facility if needed.

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Health care expenses

Covers emergency medical costs arising from accidental injury or sudden illness.

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Repatriation of Remains

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

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Coverage for Pre-Existing Conditions

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

description Simple Process

How Do I Get an Instant Schengen Visa Insurance Letter Required by Consulate?

1
Enter Details & Get a Quote
Enter traveler age, travel dates, and coverage needs to see instant plan options.
2
Compare & Buy Online
Compare plan benefits and premiums, then purchase securely online by credit card.
3
Download Your Visa Letter
Receive your Schengen-compliant visa insurance letter instantly and submit it to the Embassy.
4
Travel with Peace of Mind
Enjoy 24/7 support, a virtual ID card, and full policy documents accessible on your phone.
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Schengen visa travel insurance can be purchased online quickly and easily to meet Schengen visa insurance requirements and consulate guidelines.

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Provide relevant information such as traveler age, travel dates, and total medical coverage required in the quote form. A list of cheap Schengen visa travel insurance plans, along with premium costs and medical coverage details, will be displayed instantly.

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Compare multiple Schengen visa insurance quotes and choose the cheapest travel insurance schengen visa that meets the €30,000 minimum medical coverage and repatriation requirements.

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The applicant can buy the best travel insurance for schengen visa by completing the online application and secure credit card payment

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After purchasing Europe travel insurance valid for Schengen visa, the traveler will receive complete insurance policy details, including a toll-free emergency assistance number, a virtual insurance ID card, and an instant Schengen visa insurance letter.

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This visa insurance certificate for Schengen visa can be downloaded immediately and submitted to the Schengen visa Embassy or VFS Schengen as proof of travel medical insurance coverage for Schengen.

error Mistakes to Avoid

What Are the Common Schengen Travel Insurance Mistakes Leading to Visa Rejection?

Avoid these common errors that lead to Schengen visa rejections:

1
Coverage Below €30,000

Schengen rules require minimum €30,000 medical coverage (approx. $50,000) (this includes emergency medical treatment & repatriation). Travel insurance for Europe policies with lower coverage than this €30,000 are automatically rejected.

2
Not Covering All Schengen Countries

The travel insurance must be valid in all 29 Schengen states. Some travelers buy country-specific insurance (e.g., only for Germany), which is not accepted in the Schengen states consulates.

3
Traveler insurance Not Covering Entire Stay

The Europe travel insurance policy must match the correct entry and exit dates. If your travel insurance for Europe ends even 1 day earlier than your return ticket, your Schengen visa application can be refused.

4
Buying Non-Schengen Compliant Plans

Some cheap travel for Europe plans exclude repatriation (return of remains in case of death) or exclude pre-existing emergency treatment. Schengen visa officers check for these exclusions carefully.

5
Unrecognized / Non-Approved Insurance Providers

Consulates prefer international insurance companies that are well recognized in the Schengen region. Unfamiliar or unapproved providers may cause rejection.

6
Submitting Fake or Cancelled Policies

Some travelers submit “dummy” insurance and cancel it after printing. Consulates cross-check this data, and if invalid, the visa is denied and can even lead to a travel ban.

7
Mismatch Between Travel Dates & Insurance Dates

Even a 1-2 day mismatch between flight booking and travel insurance validity can lead to rejection. It is recommended to add a buffer day before arrival and after departure.

8
Not Carrying Proof of Travel Insurance

Sometimes applicants forget to attach the Schengen visa compliant Travel insurance certificate with the application. Only payment receipt is not enough, you need the official Schengen visa travel insurance confirmation letter.

star Top Picks

What Are The Best Travel Insurance for Schengen Visa in 2026?

All 30,000 Euro Travel Medical Insurance comply with Schengen visa insurance requirements and include an instant downloadable visa letter.

savings Cheapest
WorldTrips Insurance
$8/week*
shield Medical Coverage: $50K - $2M
flight_takeoff Evacuation up to $1,000,000
monitor_heart Acute onset pre-existing (under 80)
home Repatriation included
receipt_long $0 deductible option
View Plan →
favorite Pre-Existing
Seven Corners
$10/week*
shield Medical: $50K - $1M
flight_takeoff Evacuation up to $500,000
monitor_heart Acute onset (under 79)
home Repatriation included
language Wellabroad.com Network
View Plan →
elderly Senior Friendly
Trawick International
$18/week*
shield Medical: $50K - $1M
flight_takeoff Evacuation up to $1,000,000
monitor_heart Pre-existing recurrence (up to 70)
home Repatriation included
favorite Cardiac coverage (70+)
View Plan →

*Prices shown for a 30-year-old traveler, 7-day trip, $50,000 medical maximum, $0 deductible. Prices vary by age, trip length, and coverage selected.

payments Pricing

How Much Does Schengen Visa Travel Insurance Cost in 2026?

Europe Schengen travel insurance Cost in 2026

Schengen insurance cost ranges between $8 to $15 per week for a 25-year-old traveler with a $50,000 medical maximum and $0 deductible.
All the insurance plans listed below

  • Meet Schengen visa requirements
  • Are accepted by Schengen embassies/consulates worldwide
  • Include a downloadable Schengen insurance visa letter immediately after purchase
Filter by age: 
Plan Age 25 Age 35 Age 45 Age 55 Age 65 Age 75 How to download Schengen Visa letter
Atlas International Cheapest $8 $9 $12 $18 $32 $58 WorldTrips insurance ID cards via Client Zone
Patriot International Lite Most Chosen $10 $11 $16 $24 $42 $74 IMG insurance ID cards from My IMG
Atlas International Premium $11 $13 $18 $26 $46 $80 WorldTrips insurance ID cards via Client Zone
Travel Medical Global Choice $11 $13 $18 $26 $46 $80 Seven Corners insurance ID cards via Client Zone
Safe Travels International $20 $20 $32 $56 $83 $124 Trawick International insurance ID cards via Client Zone.

Source: American Visitor Insurance® | Prices verified for 2026 travel season.

tips_and_updates

Tip: Balance affordability with adequate protection. All plans include a Schengen-compliant visa letter. Older travelers should prioritize pre-existing condition coverage.

Cheapest Travel Insurance for Schengen Visa

Review Schengen Visa insurance plan benefits.

monitor_heart Pre-Existing Coverage

Which Is the Best Schengen Travel Insurance With Pre-Existing Conditions?

Travelers can easily compare these best Schengen visa insurance for pre-existing conditions and choose the option that best fits their medical needs and budget.

WorldTrips
Atlas International
From $8 / week · age 25
Best Plan
Under Age 80Full Max Limit
Evacuation$25,000 lifetime
25yr / 7-day cost~$8
Deductible$0 option
Covers acute onset of pre-existing conditions up to the policy maximum (age-based limits apply), with emergency evacuation for pre-existing conditions up to $25,000 lifetime. Patriot International Lite
IMG Insurance
Patriot International Lite
From $10 / week · age 25
Under 64 (no primary)$20,000
Under 64 (w/ primary)Period Max
Age 65 - 69$2,500
25yr / 7-day cost~$10
Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70, with emergency medical evacuation up to $25,000 lifetime.
Seven Corners
Travel Medical Global Choice
From $11 / week · age 25
Age 14 - 64$50,000
Age 65 - 79$10,000
Age 80+Not Available
25yr / 7-day cost~$11
Covers acute onset of pre-existing conditions up to $50,000 for ages under 65 and $10,000 for ages 65–79; not available for age 80+.
Trawick International
Safe Travels International
From $10 / week · age 25
Under 70 (recurrence)$2,500
Age 70+ cardiacEnhanced cover
Evacuation$1,000,000
25yr / 7-day cost~$15
Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70, with emergency medical evacuation up to $25,000 lifetime.
descriptionVisa Insurance Certificate

How Do I Get a Certificate Showing I Have Travel Insurance When Applying for a Schengen Visa?

To get a certificate showing you have travel insurance when applying for a Schengen Visa, follow these steps:

1
Choose a Travel Insurance Provider

Select a travel insurance policy on American Visitor Insurance that meets the Schengen visa requirements (coverage of at least €30,000 for medical emergencies, including repatriation).

2
Buy the Insurance

Buy the policy on American Visitors Insurance online, which provides Schengen-compliant travel insurance with secure credit card payment.

3
Receive the Certificate

After purchasing, you will receive a travel insurance certificate, which includes details like the policy number, coverage dates, and coverage amounts.

4
Download or Request the Certificate

You can download the certificate from the insurance provider. Ensure the certificate is issued in English or the official language of the country you’re applying to, and that it clearly meets the Schengen visa travel insurance requirements.

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Tip: Always carry a digital and printed copy of your policy - you may be asked for proof at border checks or during visa processing.
Certificate Must Include
check_circle Policy number
check_circle Coverage dates
check_circle Coverage amounts (≥ €30,000)
check_circle Issued in English or official country language
check_circle Repatriation coverage stated
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Instant certificate delivered immediately after purchase - downloadable & ready to submit to the consulate.
travelEurope Travel Protection

Schengen Visa Travel Insurance for Europe Visitors

The Schengen Agreement, first signed on June 14, 1985 by five European Union members , has now expanded to include 29 European countries with a combined population of over 450 million. These countries have officially removed border controls, allowing international travelers to move freely across their mutual borders.

If you plan to visit Europe, having the right Schengen visa travel insurance is mandatory. While American Visitor Insurance is best known for travel insurance to the USA, we also provide affordable travel insurance for Europe designed to meet all Schengen visa insurance requirements.

List of travel insurance companies for schengen visa USA
Watch: how to get a Schengen-compliant visa insurance letter instantly.

These plans meet the Schengen visa insurance requirements, including the mandatory €30,000 coverage for medical expenses, emergency care, and repatriation. They are available for travelers of all nationalities, including those applying for a Schengen visa from the USA.

Best Schengen Visa Travel Insurance Reviews

checklist How to buy

How Can I Buy the Best Travel Insurance for Schengen Visa?

1
Find the Best Plans
Complete the Schengen visa insurance quote request form by providing details of the traveler and insurance requirements.
2
Compare Travel Insurance Plans
Compare the price and the benefits of the different Schengen visa insurance options to identify what fits your needs best.
3
Buy Your Preferred Travel Insurance Plan Online
Buy the plan that fits your requirements and budget best by using a credit card and completing the online application.
4
Review Policy Details Before Traveling
Review the insurance documents & download visa letter is required.
monitor_heartPre-Existing Condition Coverage

Which is the Best Schengen Travel Insurance with Pre-Existing Condition Coverage for Europe?

I am traveling to Europe and need travel insurance for Schengen visa requirements. I also want coverage for COVID-19 and acute onset of pre-existing conditions. Which plan is good for international travelers?

support_agent

Hi Vijay,

Thank you for contacting American Visitor Insurance with your inquiry!

Atlas International Insurance policy is very popular with international travelers and has many excellent features. In particular, it offers coverage for acute onset of pre-existing conditions up to the policy maximum for medical expenses, along with an additional $25,000 for emergency medical evacuation. For travelers ages 70-79, coverage is available up to the plan maximum or $100,000, whichever is lower. However, the plan does not cover chronic or congenital disorders.

The policy is also unique because it provides coverage for complications of pregnancy during the first 26 weeks of gestation.

If family members have different citizenship statuses, this plan allows you to list each traveler accurately under the same policy. It is especially popular among tourists visiting Europe and satisfies Schengen visa insurance requirements.

The plan also includes COVID-19 coverage, which is clearly mentioned in the downloadable visa letter available after purchase. This visa letter can be used to meet insurance requirements for many countries. Travelers visiting multiple destinations can also download separate visa letters with different destination countries listed.

This type of plan is ideal for tourists, families, and international travelers looking for reliable travel medical insurance for Europe and other international destinations.

To compare the Atlas International plans, use this link: (note you only need the 'basic' Atlas International plan, not the premium) Compare WorldTrips Atlas insurance

Atlas International Insurance

Feel free to call or email us with any questions or comments you may have.

Sincerely,

www.americanvisitorinsurance.com Customer care (877) 340 7910

Regards,
Vijay

play_circle Real Situations

Real-Life Scenarios for Schengen Visa Insurance

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Medical Emergency in Copenhagen

Severe food poisoning while exploring street food markets. Insurance covers hospital treatment and medical expenses without financial stress.

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Ski Accident in Aarhus

A broken leg during a winter ski trip. Coverage includes surgery, hospitalization, and medical evacuation if needed.

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Lost Luggage at Copenhagen Airport

Delayed luggage during transit. Insurance reimburses essential clothing and toiletries.

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Flight Cancellation Due to Weather

Flight canceled due to heavy snow. Trip cancellation coverage reimburses hotel stays and rebooking fees.

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Emergency Dental Care in Odense

Sudden toothache requiring urgent treatment. Emergency dental costs are covered.

coronavirus
COVID-19 Quarantine Costs

Mandatory hotel quarantine after a positive test. Insurance helps cover medical consultations and quarantine-related expenses.

Frequently Asked Questions

Schengen travel insurance, Schengen health insurance - FAQ's

There is no single Schengen travel insurance plan which will work best for all travelers to Europe. The best Schengen visa travel insurance plans will vary from traveler to traveler depending on their unique needs. While some Europe travelers will look for the cheapest Schengen visa insurance cost specifically to satisfy the Schengen visa requirements, others will look for the most comprehensive Schengen travel insurance coverage.

The price will be higher if you need health insurance for Europe travelers with pre-existing conditions. It is recommended to compare different low cost Schengen visa travel insurance plans based on price as well as the different benefits coverage options. Europe travelers should also read different Schengen travel insurance reviews before buying a Schengen visa travel insurance plan.

Yes, Europe travel insurance is mandatory for applying for the Schengen visa according to Schengen agreement medical coverage by Consulates. The mandatory Schengen visa travel insurance requirement is a minimum coverage of 30,000 Euros. You can find the best insurance for Schengen visa on our website

Travelers to Europe applying for the Schengen visa can buy Schengen visa travel insurance on American Visitor Insurance. While it ironic to buy travel insurance for Europe on American Visitor insurance, we offer several international travel insurance plans that specifically satisfy Schengen visa requirements as mandated by Schengen state consulates. Our compare Schengen visa insurance quote facility lists a range of cheap travel insurance that satisfy Schengen visa insurance requirements. After buying the Schengen travel medical insurance on our website travelers can immediately download the required Schengen visa letter to be used while applying for the Schengen visa.

We work with many popular and top rated US insurance providers. These insurance companies offer best travel medical insurance coverage for Schengen visa. These Schengen visa insurance plans satisfy requirements as mandated by the consulate, offer comprehensive travel medical insurance coverage and zero deductible Schengen insurance coverage. The top insurance providers that offer popular Schengen visa insurance are International Medical Group Travel Insurance, Seven Corners Travel Insurance, WorldTrips Insurance and Trawick International Travel Insurance.

Best travel medical insurance for Schengen visa covers the cost incurred from

  • Hospitalization expenses dues of sickness of injuries
  • Emergency medical evacuation
  • Repatriation of remains
  • Trip cancellation or interruption
  • Flight delay
  • Baggage delay or loss
  • Acute onset of pre-existing conditions
  • Maternity in first 26 weeks

The cheapest Schengen travel insurance is surely dependent on the travelers' requirements. The traveler will have to do research online to find the cheapest travel insurance for Schengen visa based on his or her requirements. It is advisable to compare cheapest travel medical insurance for Schengen visa before buying the cheap travel medical insurance for Schengen visa that satisfies Schengen consulate requirements.

US citizens are advised to buy Schenghen travel insurance even if it is not mandatory for short travel, it is mandatory only for travel of more than 90 days and need a travel visa.

Travel insurance with trip cancellation coverage will protect the traveler in the event of trip delay, cancellation of flights, loss of baggage as well as any medical emergency or accident that the US citizen can face while in Schenghen countries.

Some US citizens travel insurance plans also have the option of 'Cancel for Any reason' (CFAR) by providing a refund of up to 75% of the trip cost if one cancels the trip for any reason. Having reliable travel insurance will ensure that the travelers can recoup the trip expenses which can be significant in the case of cruises, airline ticketing and hotel reservations should they face adverse circumstances during travel.

US citizens who want to stay in any of the 29 Schengen countries for more than 90 days in a 180 day period need a Long Stay Visa. One of the requirements for this visa is proof of medical insurance with medical expenses coverage up to €30,000 (~USD $35,000 as of February 2026) which is valid during the whole stay in the Schengen countries.

The insurance company should provide a visa letter stating coverage amounts for medical expenses, emergency medical evacuation and repatriation while in Europe (or 'unlimited' if there is no limit of coverage).

American Visitors Insurance offer the best Europe long stay travel insurance for US citizens designed by top US insurance providers. International travel insurance plans vary based on the different coverage benefits offered. Travelers can compare coverage benefits and buy the plan that best fits their coverage needs.
Get Quote →

Yes, you can cancel your Schengen travel insurance, but the terms and conditions and refund policy will vary depending on the insurance provider and the specific policy you purchased. If you ask for cancellation after the insurance start date, you may only receive a partial refund depending on how long you have had the policy and if you've already made any claims.

If you need to cancel your Schengen travel insurance, you should contact your insurance provider directly to inquire about the cancellation process and refund policy.

A traveler from any of the Schengen visa required countries visiting any of the Schengen country for less than 90 days is required to buy short term travel medical insurance to apply for Schengen visa. It may be individuals, business travelers, family members. For travelers from Schengen visa exempted countries, planning to stay in Schengen countries for more than 90 days need to buy long term travel medical insurance for Long stay Europe visa.

No, you cannot apply for a Schengen visa if your passport expires in just two months. One of the strict requirements for a Schengen visa is that your passport must be valid for at least three months beyond your intended date of departure from the Schengen Area, and it should also have been issued within the last ten years with at least two blank pages available. If your passport expires in two months, even if your trip is short, the consulate will reject your application because it does not meet the minimum validity requirement. In this situation, you should first renew your passport and then apply for the visa, as this will ensure your application is accepted for processing.

Yes, the standard Schengen visa allows you to travel between all 29 Schengen member countries as long as you don’t exceed the maximum stay period of the visa.

Earliest You Can Apply

  • Up to 6 months before your travel date (9 months for seafarers).
  • This is especially helpful if you’re traveling during busy tourist seasons (summer or Christmas).

Latest You Should Apply

  • At least 15 calendar days before travel (this is the legal minimum).
  • But embassies strongly recommend applying 3–4 weeks before travel to avoid last-minute issues.

Ideal Timing

  • 6 weeks to 2 months before travel → This balances processing time, document prep, and appointment availability.
  • Some consulates (France, Spain, Italy, Germany) have long appointment waiting lists, so booking early is key.

Yes, in most cases. If your visa is denied and your policy has not started, you can typically cancel your policy and receive a full refund. To cancel a policy, you will have to contact them in writing but they will accept an email cancellation. If you do not know how to contact them, please call us and we can assist you. Just reach out to us as soon as you receive the denial so we can get it sorted before your policy start date.

Yes, US Green Card holders may need a visa to travel to Schengen, if the country of their passport requires a visa for travel to the Schengen countries. Green Card Holders travel insurance for Schengen is required while applying for a Schengen visa. US Green Card Holders can buy travel insurance to satisfy Schengen visa requirements for their visa application on American Visitor Insurance.

fact_checkInsurance Eligibility Check

How Do I Know If My Travel Insurance for Europe Will be Accepted for a Schengen Visa?

The plans available on American Visitor Insurance satisfy Schengen visa requirements. Here’s a simple guide to show you the kind of insurance that gets approved versus the mistakes that often lead to rejections:

Visa-Friendly Insurance Risky Insurance Choices
Starts on the exact date of departure Starts after arrival in Schengen
Comes with an official PDF certificate showing policy number & coverage dates Only a screenshot or incomplete confirmation email
Clearly states “Schengen Area” coverage + repatriation clause Missing repatriation, hospitalization, or territorial coverage wording
Provides minimum €30,000 ($35,000) medical coverage Coverage is below €30,000 (or $35,000) or not specified
Certificate available in English Certificate only in a non-EU language without translation

Always double-check that your Europe travel insurance certificate clearly mentions the Schengen Area, and meets the €30,000 ($50,000) minimum coverage amount, territory (Schengen Area), and dates that match your full trip before submitting your visa application. The Schengen travel plans on American Visitor Insurance satisfy Schengen visa requirements.

rate_review Testimonials

Schengen Travel Insurance Reviews & Traveler Feedback

See what travelers are saying about their insurance experience for Schengen Visa. Real reviews from real visitors.

★★★★★

"I always appreciate good business conduct and will be returning for a longer time span. Exceptional service."

KN
Karen
✓ Verified Customer Atlas International · Schengen Visa
★★★★★

"Thank you for your prompt response. Your assistance was highly appreciated throughout our entire trip planning process."

MT
Margaret
✓ Verified Customer Patriot International Lite
★★★★★

"You went way beyond what I'd expect from an insurance company. Thank you American Visitor Insurance!"

CN
Connie
✓ Verified Customer Safe Travels International
assignment Visa Application

How Do I Apply for a Schengen Visa?

To apply for a Schengen Visa Insurance, follow these steps:

1
Choose correct visa type

Select based on travel purpose (tourism, business, etc.)

2
Fill out the application form

Complete the Schengen visa application form completely and accurately.

3
Gather required documents

passport, travel insurance, proof of accommodation and financial means, flight reservation.

4
Book appointment

Book an appointment with the Schengen consulate or visa center.

5
Submit application

Submit application, biometric data, and documents at the consulate. Pay visa application fee.

6
Collect visa

Processing takes around 15 days. Pick up approved visa from the consulate.

group
Are you traveling as a Group?

Get a discount on the Best Group Travel Insurance for Schengen Visa

Group Insurance Quotes
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Documents Required for Schengen Visa

Make sure you have the following documents ready for your Schengen visa application:

article Application form badge Valid passport (3+ months) photo_camera Passport photographs map Travel itinerary health_and_safety Health insurance (min. €30,000) flight Round trip flight booking account_balance Bank statement description Insurance visa letter
elderly Senior Travelers

What Is the Best Travel Insurance for Seniors Vacationing in Schengen Visa?

The best travel insurance for seniors vacationing in Schengen visa depends on age and visa requirements. At American Visitor Insurance, you can compare top-rated Schengen visa plans designed specifically for older travelers.

person Seniors under 70
~$170
approx. per month
check_circle Flexible coverage: buy only for the days you need.
check_circle Acute onset pre-existing covered (under 80)
check_circle Schengen visa letter included
Buy Now →
person Seniors under 80
~$270
approx. per month
check_circle Affordable option for senior travelers
check_circle Provides full medical and emergency coverage abroad.
check_circle IPA provider network access
Buy Now →
person Seniors over 80
~$670
approx. per month
check_circle Best choice for US seniors if you need at least $50,000 coverage.
check_circle Emergency medical evacuation covered up to $500,000
Buy Now →
lightbulbTip: Prices above are based on a $50,000 policy maximum with $0 deductible to meet Schengen visa requirements.

All of these plans include a Schengen visa letter, which you can instantly download and print after purchase.

Europe Travel Insurance for Senior Citizen

Insurance for older travelers for visiting the Schengen countries

thumb_up Why Choose Us

Why Should I Buy Schengen Visa Insurance on American Visitor Insurance?

We serve as a trusted marketplace for Schengen travel insurance with over 20 years of experience, helping you easily compare top-rated plans that meet Schengen visa requirements.

compare
Side-by-Side Plan Comparison

With American Visitor Insurance, you can easily compare Schengen visa travel medical insurance plans, costs and benefits from top insurers - all in one place.

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Peace of Mind While Traveling

Enjoy your trip to the Schengen Area knowing you are protected with trusted insurance coverage.

attach_money
Affordable & Transparent Pricing

Get the best price directly from the insurer - no hidden fees. Receive an instant quote and purchase your policy online quickly and hassle-free.

support_agent
Expert Support & Assistance

Our licensed customer support team is available 24/7 to:

  • Guide you through plan selection and online applications
  • Help with policy renewals or extensions
  • Assist with cancellations if travel plans change
  • Support filing insurance claims
verified_user
Visa-Compliant & Comprehensive Protection

All plans meet Schengen visa requirements and include coverage for medical emergencies, hospitalization, accidents, repatriation, and unforeseen health issues abroad.

tune Cost Factors

What Factors Influence the Cost of Best Travel Insurance to Schengen Visa?

The cost of Schengen visa health insurance for travelers depends on the following:

person
Age of the Traveler

The older the traveler, the more expensive the cost of travel health insurance for Schengen visa.

shield
The maximum medical coverage selected

The options range from $50,000, up to $1,000,000, the higher the coverage amount, the higher the premium.

payments
The Selected Deductible

A 'deductible' or ‘excess’ is the amount of the medical costs the customer pays before the insurance plan provides any coverage. Most plans provide several options ranging from $0 to $2500 (travelers over age 60 years may not have the $0 deductible option). The lower the deductible, the higher the premium.

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The Co-insurance on the Plan

'Co-insurance' is the percentage on medical expenses borne by the customer AFTER the deductible is paid. The cheapest travel health insurance for Schengen visa will have the highest co-insurance.

business
The Insurance Underwriter

There are different underwriters such as AIG, Lloyds, Nationwide, etc. Premium will vary for different underwriter.

lightbulbTip: Tip: While the cheapest plan may save money upfront, it’s important to balance affordability with adequate protection, especially for medical emergencies abroad.
descriptionUnderstanding Visa Coverage

What Is Europe Medical Insurance for Schengen Visa?

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badge Visa Types

What Are the Different Types of Schengen Visas?

Type C
Schengen Visa

Short-term visa for travel and stay in Schenghen countries and the Schengen area.

Type D
National Visa

Long-stay visa for stays in Schenghen countries exceeding 90 days. Issued under national legislation.

Type A
Airport Transit Visa

Allows transit through the international transit area of Schenghen airport without entering the country.

Type B
Transit Visa

Allows transit through Schenghen countries to reach a final destination outside the Schengen area.

travel_exploreETIAS Travel Authorization

What Is the New Travel Authorization ETIAS Requirement for US Citizens Traveling to Schengen Countries?

US citizens traveling to Schenghen countries should apply for ETIAS (European Travel Information and Authorization System).

  • ETIAS is not a visa, but a pre-travel clearance, similar to the US ESTA (Electronic System for Travel Authorization).
  • It allows short stays of up to 90 days within a 180-day period for tourism, business, or transit.
  • The application is completed online and is usually approved quickly.
shield_with_heartCoverage for Senior Travelers

Which Is the Best Schengen Travel Insurance for US Seniors With Medicare?

🌏 GlobeHopper Senior - Best for US Travelers 65+

GlobeHopper Travel Insurance for Older US Travelers Visiting Schengen Countries

  • US senior citizens with Medicare need international travel insurance as Medicare offers limited or no coverage outside USA.
  • Travelling overseas involves risks especially for older travelers and costs of medical evacuation and health care outside the United States is expensive.
  • Buying Medicare Supplemental International Travel Insurance coverage for older US travelers is strongly recommended.

US citizens should realise that Medicare and its supplements provide very little coverage outside US borders. There is a travel health insurance plan specifically designed for older American travelers. Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior an affordable overseas travel medical insurance option for US citizens and US permanent residents 65 years and older.

shield Provides $1 million coverage up to the age of 79 years
shield Provides $100,000 coverage for travelers 80 years and older
health_and_safety Includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition
flight Includes $25,000 coverage for emergency medical evacuation
GlobeHopper Single-Trip

Coverage: 5 days to 365 days

Plan DetailsBrochureBuy Online
GlobeHopper Multi-Trip

12 months total, up to 30 days per trip.

Plan DetailsBrochureBuy Online
blockExclusions

What Does Travel Insurance for Schengen Visa Usually Not Cover?

Travel health insurance for Schengen visa usually provides coverage for injury, sickness and unplanned medical expenses, emergency medical evacuation, and repatriation of remains in case of death. However, there are certain situations and items that are not covered by Schengen Visa insurance. These include:

warning
Pre-existing medical conditions

Schengen Visa insurance usually excludes or provides limited coverage for any medical conditions that existed prior to the start of the policy. This means that if you have a pre-existing condition, any related treatment may not be covered.

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Treatment for chronic illnesses

Most Schengen Visa medical insurance plans do not cover ongoing treatment for chronic illnesses such as diabetes or heart disease. Travelers needing long-term care should look for specialized insurance coverage.

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Non-emergency medical treatment

Schengen travel insurance is designed for emergencies. It typically does not cover routine check-ups, vaccinations, or elective procedures.

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Adventure & Extreme Sports

Many Schengen Visa health insurance plans exclude coverage for high-risk activities such as bungee jumping, skiing, or scuba diving. If you plan to join such activities, consider additional adventure sports coverage.

warning
Mental health conditions

Most Schengen Visa insurance policies do not include coverage for mental health conditions like anxiety or depression. Specialized plans may be needed for such care while abroad.

euroSchengen Coverage

Schengen Travel Insurance With 30,000 Euro Coverage

Every plan we offer meets the mandatory Schengen visa travel medical insurance minimum coverage 30000 euros. Explore our FAQs, blogs, and forums for additional guidance.

articleBlogs & Resources

Schengen Visa Insurance Blogs & Articles

Travel Guide

Traveling to Schengen States

Tourism and travel insurance information for visiting Schengen countries.

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Vacation and travel insurance information for US citizens visiting Europe.

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travel_exploreDESTINATION COVERAGE

Schengen Area Countries Covered by Travel Insurance

The 29 countries in the Schengen Area that require travel insurance are:

business Trusted Providers

Which Are The Best Travel Insurance Companies for Schengen Visa Insurance?

You can find reliable Schengen visa insurance providers through American Visitor Insurance including top-rated international carriers recognized and accepted by Schengen embassies worldwide.

INSURANCE PROVIDERS
BlueCross BlueShield Global Solutions Logo
info
All providers listed offer Schengen-compliant plans with an instant downloadable visa letter after purchase. Plans available online at American Visitor Insurance.

American Visitor Insurance®

Trusted by Schengen Visa Travelers

medical_services

€30,000+

Minimum Medical Coverage

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29

Schengen Countries Covered

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Instant

Visa Letter Available

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100%

Cashless Embassy Compliant Plans

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