Best Annual Travel Insurance for Europe & Schengen Visa (2026)
Taking more than one trip to Europe this year? A single annual multi-trip policy can satisfy Schengen visa insurance requirements for every trip you take - no need to buy a new single-trip policy each time you travel. verified Embassy-accepted certificate euro €30,000+ compliant event_repeat Unlimited trips, one policy bolt Instant certificate
| Plans |
Patriot Multi Trip
IMG
|
BCBS Multi Trip Gold
BlueCross BlueShield
|
Atlas Multi Trip
WorldTrips
|
Voyager Annual Travel
Travel Insure
|
65+ Seniors Only
GlobeHopper Senior
IMG
|
|---|---|---|---|---|---|
| Provider |
|
|
|
|
|
| Plan Options | Customize | Customize | Customize | Customize | Customize |
| Annual Premium | |||||
| Per Year | per year | per year | per year | per year | per year |
| Action | |||||
| Purchase | Buy Now | Buy Now | Buy Now | Buy Now | Get Quote |
| Documents | Brochure Details | Brochure Details | Brochure Details | Brochure Details | Brochure Details |
| Plan Details | |||||
| Ideal For | US or Non-US citizens traveling outside their home country for business or pleasure. | US Citizens only traveling outside their home country for business or pleasure. | US or Non-US citizens traveling outside their home country for business or pleasure. | US or Non-US citizens traveling outside their home country for business or pleasure. | US residents traveling outside a 100-mile radius of permanent US residence. Max trip: 90 days. |
| Eligibility | Up to 79 years. Must have domestic health insurance while covered. | US resident up to 85 years. Must be enrolled in a primary health plan. | Up to 76 years. Must maintain home-country medical insurance. | Age 14 to 85+ years. | 65+ years. US citizen or permanent resident. Enrolled in Medicare Parts A & B with Medigap or Medicare Advantage. |
| Coverage Length | 1 year from effective date. | 1 year from effective date. | 1 year maximum limit. | 364 days. | 1 year maximum limit. |
| Coinsurance |
In PPO (US/Canada): 90% up to $5,000 Out of PPO: 80% up to $5,000, then 100% Outside US/Canada: No coinsurance |
Percentage paid by insured after deductible. Excludes non-covered services. | Pays 100% of eligible expenses after deductible, up to overall maximum limit. | ✔ No coinsurance. | ✔ No coinsurance. |
| Renewability | ✔ Yes — 12-month increments up to 36 months (with break in coverage). | ✘ Non-renewable. New period = new deductible & medical limit. | ✘ Not renewable. | ✘ Not renewable. | ✘ Not renewable. |
| Repatriation of Remains | $50,000 | Essential: $15,000 Choice: $25,000 |
Up to overall maximum limit. (Not subject to deductible or coinsurance) |
Silver: $100,000 Gold: $150,000 |
$50,000 lifetime maximum. |
| Emergency Medical Evacuation | Up to $1,000,000 | Essential: $250,000 Choice: $500,000 |
$1,000,000 lifetime maximum. | Silver: $100,000 Gold: $250,000 |
$250,000 lifetime maximum. |
| Pre-existing Conditions | Sudden & unexpected recurrence up to $5,000 max per period of coverage. | Essential: Covered up to $50,000 Choice: Covered up to $250,000 |
Under 70 yrs: acute onset covered up to medical max (excludes chronic/congenital). Emergency evacuation up to $25,000. | ✘ Not covered. | Medical expenses up to $5,000 per person/period. Emergency evacuation up to $25,000. |
| Underwriter | Sirius International Insurance Corporation | 4 Ever Life Insurance Company | TMHCC Insurance SPC Ltd & Houston Casualty Company | Starr Indemnity & Liability Company | Lloyds, London |
| AM Best Rating | A++ Superior S&P: AA− |
A− Excellent | A++ Superior S&P: AA− |
A Excellent | A Excellent |
All plans valid for 1 year. Prices shown are base premiums and may vary based on selected options. | +1 (877) 340-7910 | info@americanvisitorinsurance.com
Which Annual Travel Insurance for Europe Is Right for You?
- Best for Frequent Europe Travelers - Patriot Multi-Trip - Provides up to $1,000,000 in travel medical coverage with flexible 30, 60, or 90-day trip options. An excellent choice for travelers making multiple trips to the Schengen Area each year.
- Best Comprehensive Annual Multi-Trip Plan - Atlas Multi-Trip - Offers up to $1,000,000 in medical coverage with 30 or 45-day trip options, making it ideal for business and leisure travelers visiting Europe several times a year.
- Best Annual Plan for Seniors - GlobeHopper Senior Multi-Trip - Designed for Medicare-enrolled U.S. seniors who take multiple international trips, including visits to Europe and the Schengen countries.
- Best Low-Deductible Annual Plan - Voyager Annual Travel Insurance - Offers a $0 deductible option and comprehensive annual coverage for travelers who visit Europe frequently.
- Best BCBS Annual Travel Plan - BCBS Multi Trip Gold - Provides up to $500,000 in travel medical coverage with annual multi-trip protection backed by the Blue Cross Blue Shield network.
- Need More Options? - Compare all Annual Multi-Trip Travel Insurance Plans to find the right coverage for your Europe and Schengen trips.
Do You Need Travel Insurance for a Schengen Visa?
Yes. Travel medical insurance is not optional for a Schengen visa application - it's a legal requirement set out in Article 15 of EU Regulation (EC) No 810/2009, the regulation that establishes the Schengen Visa Code. Whether you're applying from the United States, India, the Gulf, Africa, or anywhere else outside the Schengen Area, every consulate will ask you to submit proof of insurance alongside the rest of your visa file.
Article 15 requires that your policy provide at least €30,000 in coverage for expenses connected to emergency medical treatment, hospitalization, and repatriation - including transport home for medical reasons and, if necessary, repatriation of remains. The insurance must be valid across the entire Schengen Area, not just the country you list as your main destination, and it must cover your full trip, from your first day to your last.
A few practical points that trip up first-time applicants:
- A policy that only says "Europe" without naming the Schengen Area or listing member states has been rejected at some consulates. Your certificate should explicitly state Schengen-area validity.
- Your home country's domestic health insurance almost never satisfies this requirement - it typically doesn't extend coverage abroad or produce a Schengen-compliant certificate.
- Coverage dates on your certificate must match your intended travel dates exactly, with no gaps.
If you're applying for a multiple-entry Schengen visa, Article 15(2) requires proof of insurance covering at least your first intended visit - but you'll also sign a declaration acknowledging that you need to maintain valid insurance for any later trips on that visa.
Can One Annual Policy Cover Multiple Schengen Visa Applications in a Year?
If you hold a multiple-entry Schengen visa, you don't need to purchase a new single-trip policy every time you travel. An annual multi-trip insurance policy is designed to cover an unlimited number of separate trips within a 12-month period, which means the same policy - and the same insurance certificate - can support several visa applications and multiple trips to the Schengen Area over the course of a year.
This is where annual plans differ from single-trip policies: instead of insuring one specific journey, they insure you for a full year, re-covering you each time you depart on a new trip.
The annual validity period does not override each plan's per-trip duration limit. Annual multi-trip policies cap how many consecutive days any single trip can last - commonly 30, 45, 60, or 90 days depending on the plan. Before each trip, check your planned trip length against that per-trip cap, not just the policy's overall 12-month validity. A 40-day trip on a plan with a 30-day per-trip limit will not be fully covered for the extra days, even though the annual policy itself is still active.
In practice, this means an annual multi-trip policy works well for business travelers, EU property owners, and anyone making several shorter Schengen trips a year - but travelers planning one long stay close to or beyond their plan's per-trip limit should double-check that limit or consider a single-trip policy sized to that specific journey.
Best Annual Multi-Trip Insurance for Schengen Visa Applicants
Both plans below are annual multi-trip policies built for travelers who cross into the Schengen Area more than once a year. They're available to U.S. citizens and non-U.S. citizens alike, provided you're traveling outside your home country.
| Feature | Patriot Multi-Trip IMG | Atlas Multi-Trip WorldTrips |
|---|---|---|
| Maximum coverage | $1,000,000 | $1,000,000 |
| Deductible | $250 | $250 |
| Per-trip duration options | 30 / 60 / 90 days | 30 / 45 days |
| Maximum entry age | Up to age 79 | Up to age 76 |
| Available to | U.S. and non-U.S. citizens traveling outside their home country | U.S. and non-U.S. citizens traveling outside their home country |
| Meets €30,000 Schengen minimum | check_circle Yes - $1,000,000 max exceeds the €30,000 requirement | check_circle Yes - $1,000,000 max exceeds the €30,000 requirement |
| Documents |
Figures shown reflect plan design as currently filed; confirm current age-based pricing at the time of quote, since rates are medically underwritten and change independently of plan structure.
Eligibility & Compliance Notes
Patriot Multi-Trip is available to applicants up to age 79. Atlas Multi-Trip is available up to age 76. If you're near either cutoff, confirm your exact age at the policy's effective date, since eligibility is assessed at purchase.
Both plans are travel medical policies, not a replacement for your primary health insurance. You're expected to maintain an active primary health insurance plan in your country of residence for the duration your annual policy is in effect.
Both plans can generate a certificate that states coverage across all Schengen states, the required repatriation benefit, and coverage well above the €30,000 minimum, for the specific dates of your upcoming trip.
Annual Travel Insurance vs. Buying a New Policy for Every Trip
One premium, one certificate, coverage that re-applies to every qualifying trip for a full year. This generally makes sense if you expect to make three or more separate trips to the Schengen Area within 12 months, since you avoid re-purchasing and re-submitting a new certificate for each visa application.
A new policy purchased for each individual trip, sized exactly to that trip's dates. This can work out cheaper if you only travel to Europe once a year, or if a specific trip is longer than your annual plan's per-trip duration limit and needs its own dedicated coverage.
Exact pricing for either approach depends on your age, trip length, and coverage level - use the quote tool above to compare your actual cost for an annual policy against what several single-trip policies would cost across your planned trips this year.
How Much Does Annual Travel Insurance for Europe Cost?
Annual multi-trip premiums are priced mainly on three factors: your age, the coverage maximum you select ($50,000 up to $1,000,000), and your plan's per-trip duration limit - a 90-day per-trip option costs more than a 30-day option at the same coverage level. Because these plans are medically underwritten, two travelers of different ages will see different premiums for the identical plan.
The fastest way to see your actual price is to run the quote tool above with your age, citizenship, and travel dates - premiums populate instantly and update as you adjust coverage and deductible. For a broader breakdown of what drives annual travel insurance pricing, see our Cost of Annual Travel Insurance guide.
What Your Insurance Certificate Must Say for a Schengen Visa Application?
Who Should Consider Annual Travel Insurance for Europe?
You make repeat trips to Europe for client visits, conferences, or ongoing projects and hold a multiple-entry Schengen visa.
You own or rent a home in a Schengen country and travel back and forth multiple times a year.
You visit family in the Schengen Area several times per year and would rather manage one policy than several.
Annual Travel Insurance for Europe & Schengen Visa - FAQs
Yes. Under Article 15 of EU Regulation (EC) No 810/2009, applicants must show proof of travel medical insurance with at least €30,000 in coverage for emergency medical treatment, hospitalization, and repatriation, valid across the entire Schengen Area for the full length of the trip.
Yes, if you hold a multiple-entry Schengen visa, one annual multi-trip policy can generally support each visa application and each trip within that year, as long as every individual trip stays within the policy's per-trip duration limit.
Yes. Domestic health insurance typically does not provide coverage outside your home country and will not produce a Schengen-compliant insurance certificate. You need a separate travel medical policy that explicitly meets the €30,000, Schengen-area, and repatriation requirements, in addition to keeping your primary domestic coverage active.
Most consulates accept a compliant annual multi-trip certificate, but requirements are applied at the discretion of each consulate. Confirm that your certificate explicitly names all Schengen states, states the €30,000 minimum, and lists your specific travel dates before submitting your application.
Your annual policy's yearly validity does not override its per-trip length limit. If a single trip exceeds the maximum consecutive days allowed under your plan (for example 30, 45, 60, or 90 days depending on the policy), that trip will not be fully covered and you may need a separate single-trip policy or a plan with a longer per-trip limit.
Compare Annual Multi-Trip Plans for Your Next Schengen Trip
Get a Schengen-compliant insurance certificate and compare Patriot Multi-Trip and Atlas Multi-Trip plans. Enjoy coverage for multiple trips to Europe with one annual policy.
Where Can I Buy the Best Annual Travel Insurance for Europe?
American Visitor Insurance makes it easy to compare and purchase the best annual multi-trip travel insurance for Europe. Whether you're visiting the Schengen Area for business, vacations, or multiple trips throughout the year, you can compare plans, benefits, and prices from leading insurers and purchase your policy online in minutes.
Why Buy Annual Travel Insurance for Europe Through American Visitor Insurance?
Compare annual travel insurance plans side by side, including Patriot Multi-Trip and Atlas Multi-Trip. Review coverage limits, deductibles, trip duration options, and benefits to choose the right plan for your Europe travel needs.
Eligible annual multi-trip plans provide insurance certificates that can help satisfy Schengen visa requirements, including the minimum €30,000 travel medical coverage for emergency medical treatment, hospitalization, and repatriation across all Schengen countries.
An annual policy can be more economical than purchasing separate single-trip policies for every Europe visit. Compare competitive pricing and choose the coverage that best fits your travel schedule.
With over 20 years of experience, our licensed insurance specialists can help you compare annual travel insurance plans, understand Schengen visa requirements, choose the right coverage, and assist with policy questions, renewals, and claims.
Access detailed FAQs, blogs, and travel guides covering annual travel insurance, Schengen visa requirements, multiple-entry visas, travel medical coverage, and Europe travel tips.
American Visitor Insurance is a licensed U.S.-based insurance provider (NJ License #1181604), offering a secure and reliable platform to compare and purchase annual travel insurance for Europe from top-rated insurance companies.
Enjoy peace of mind knowing you're protected during multiple trips throughout the year with travel medical coverage for unexpected illnesses, injuries, emergency medical evacuation, and other covered travel emergencies across Europe and the Schengen Area.
Schengen Visa Insurance Blogs & Articles
Traveling to Schengen States
Tourism and travel insurance information for visiting Schengen countries.
Read More ?US Citizens Traveling to Europe
Vacation and travel insurance information for US citizens visiting Europe destinations.
Read More ?Long Term Europe Visa Medical Insurance
Insurance information for Long term Europe Visa.
Read More ?Best Travel Insurance for Schengen Visa
Tools to find the best Schengen visa travel insurance.
Read More ?