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immediately and explore the Schengen area with peace of mind!At Insurte, our commitment to providing the best schengen travel insurance is fortified by our strategic collaborations with the European's largest insurers. Partnering with leaders in the insurance industry, we bring the strength and reliability of these global giants to our clients. This alliance enables us to offer a spectrum of insurance solutions that stand out for their excellence, ensuring that our customers receive the best-in-class travel coverage. With a focus on quality, innovation, and customer satisfaction, our partnerships with these esteemed insurers underscore our dedication to delivering unparalleled schengen travel insurance solutions that safeguard our clients on their global journeys.
Whoever you are, wherever you are, we can insure your Schengen trip!
If you’re planning to travel to Europe, specifically to any of the countries within the Schengen area, you’ll need to purchase Schengen travel insurance ahead of your trip. In this article, we’ll guide you through all you need to know about Schengen travel insurance before you travel.
+2 million
worldwide insured days
4,9/5
satisfaction rating
29
Schengen covered countries from everywhere
13
years of experience
Worldwide trusted partner network
At Insurte, our commitment to providing the best schengen travel insurance is fortified by our strategic collaborations with the European's largest insurers. Partnering with leaders in the insurance industry, we bring the strength and reliability of these global giants to our clients.
This alliance enables us to offer a spectrum of insurance solutions that stand out for their excellence, ensuring that our customers receive the best-in-class travel coverage. With a focus on quality, innovation, and customer satisfaction, our partnerships with these esteemed insurers underscore our dedication to delivering unparalleled schengen travel insurance solutions that safeguard our clients on their global journeys.
The International Leader of Medical Assistance in the world with 72,500,000 files processed per year
The 3rd International Leader of Medical Assistance in the world with 12,000,000 files processed per year
MUTUAIDE, part of Groupama (over 11,000,000 customers) that has specialized in Medical Assistance for over 40 years.
The 2nd International Leader of Medical Assistance in the world with 15,100,000 files processed per year
In case of illness or injury (up to €100,000) Emergency dental expenses included
In case of illness or injury (Actual Cost) Transfer of mortal remains included
24/7 Before and during your trip(s) Information, Support, and Services
Theft, loss, destruction or delivery delayed
Search & rescue costs.
Illness, injury or death for the Insured Person and his relatives
Fraud is a grave offence that carries severe legal consequences under Article 441-1 of the Penal Code. We are dedicated to upholding the law and maintaining the integrity of insurance contracts. Our commitment to deterring fraudulent activities is unwavering, as we work diligently to protect both our legitimate policyholders and the insurance industry as a whole. Ensuring security is our utmost priority. By employing QR code technology for contract verification, we guarantee that embassies and travelers can swiftly confirm the authenticity of our contracts. This added layer of security ensures that when they scan the QR code, they will be directed to insurte.com, and the contract details will consistently match, offering peace of mind and confidence in our commitment to safety and trustworthiness. Moreover, you can also verify it by submitting a form with the Policyholder Passport Number and contract number.
You can ensure contract authenticity with a simple QR scan, accessing a secure database for quick verification. Use the QR code for rapid verification and ensure you're on insurte.com with matching contract details.
Find out our (lovely) customers feedback.
Great turnaround for my request to update a few details on my insurance. The service was lightning fast and totally recommend this to everyone
Sumeet - GB
Fantastic customer support! John helped me correct an error (likely mine) in our information. He made the whole experience easy and quick - I appreciate the confidence he gave me and ensured me everything would be fine. Thank you!
Susan - USA
I was provided an excellent customer service when requesting a change in my travel insurance dates. Appreciate when things are smooth and service is kind and easy. Thank you!
Marianna - NL
Great and super prompt support from the teams; really appreciated the speed
Esin - FR
Best insurance company with a very fast response 24/7. Would like to recommend to everyone who is travelling
Ovi - AE
I was provided an excellent customer service when requesting a change in my travel insurance dates. Appreciate when things are smooth and service is kind and easy. Thank you!
Marianna - NL
Great and super prompt support from the teams; really appreciated the speed
Esin - FR
Schengen travel insurance is specifically designed to meet the requirements for any travelers visiting any of the 29 countries within the Schengen zone. In order to qualify (and apply) for a Schengen short-term visa or long-term visa, travelers need to provide proof of adequate travel insurance. What is the Schengen zone? The Schengen zone is the area of free movement within Europe, where citizens and travelers can move between countries without having to go through customs at every border or obtaining multiple visas. Therefore, Schengen travel insurance covers you for travel through all of these European countries that are part of the Schengen free movement area. This allows you to be flexible during your trip and visit multiple countries on your Schengen visa, should you choose to. The Schengen area includes almost all of the countries within the European Union - with the exception of Cyprus and Ireland. It also includes a number of non-EU countries - Iceland, Norway, Switzerland and Liechtenstein - who joined the Schengen zone. The 29 countries within the Schengen area are: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.
There are several types of Schengen visas available - the transit visa, the short-stay visa and national long-stay visa, but the most common is the short-stay visa. The short-stay visa allows you to stay up to 90 days within the Schengen Zone in a 180 day period. One of the principle requirements for being granted a Schengen visa is to have a travel insurance certificate that covers you in all states within the Schengen area. This ensures that any potential fees relating to medical repatriation, urgent medical attention and/or emergency hospital treatment or death, are covered whilst you are staying in one of the Member States. Because of the free movement agreement between all of the countries within the Schengen area, having travel insurance for just one country is not adequate. You’ll need to show proof of Schengen visa travel insurance when applying for your visa, well before your trip, so it’s worth being prepared and arranging this in advance. This means that you will need to obtain your Schengen visa travel insurance before you apply for your visa. Be sure to print off your travel insurance certificate to include in your visa application paperwork and bring it to your appointment.
You’re free to pick an insurance policy of your choice, but you’ll need to check that the policy you choose is 100% compliant with the embassy, consulate, or visa center requirements where you are applying for your Schengen visa. In order to be compliant with a Schengen visa, your travel insurance policy must meet specific criteria set out by the Schengen Agreement. There are three criteria that you need to pay close attention to. First, the insurance you choose must cover you for the entire duration of your stay. It also must be valid within all countries of the Schengen zone, and, lastly, it must have a minimum coverage of €30,000 for medical expenses or repatriation (Emergency medical). However, every embassy is different, and there can also be additional demands made, depending on where you are applying for your visa. Some embassies, for example, require you to include Covid-19 coverage, or to take out an annual policy. You may also be required to choose an insurance policy with no deductible (excess), or one with no maximum day limit per trip. Before taking out your Europe travel insurance, it’s worth checking with your visa center about any specific requirements to make sure you have the correct coverage.
Europe travel insurance and Schengen travel insurance are very similar and often confused. Many travelers searching for Europe Travel Insurance are, in fact, in need of Schengen visa travel insurance, or visa-versa. Schengen travel insurance covers all of the European countries that are part of the Schengen free movement area. Like noted previously, this includes most countries within the European Union (again,with the exception of Cyprus and Ireland). Iceland, Norway, Switzerland and Liechtenstein and are also included, since, while outside of the EU, they are a part of the Schengen zone. However, if your trip includes European countries which are not included in the Schengen area - such as the UK, for example - you’ll need Europe travel insurance instead. This will insure you for all the Schengen member states, as well as those outside the Schengen zone. In short, if you’re planning to go to both France (which is in the Schengen Zone) and London (which is not), you will need to find a tailored solution that covers both. A Schengen travel insurance policy is necessary in order to obtain the Schengen visa, but most European travel insurances meet the Schengen visa requirements as well as cover some additional countries. Be sure to check the terms and conditions of your Europe travel insurance policy to be sure that it meets the Schengen requirements. Both Europe and Schengen travel insurance will cover you for a range of unforeseen travel expenses, including medical expenses, during your European trip.
Schengen travel medical insurance is included within the Schengen travel insurance cover, and is the minimum requirement in order to apply for a Schengen visa. Schengen travel insurance and Schengen travel medical insurance are essentially the same, except that Schengen travel insurance will also cover you for a range of additional guarantees, outside of medical coverage. In addition to medical coverage, this broader travel insurance can cover other travel emergencies such as:
The exact coverage of your insurance will depend on the policy terms and any additional guarantees you select.
Not all travelers require a Schengen visa in order to visit the Schengen area. If you are exempt from needing a visa, having a European travel insurance policy is not a legal requirement. Nonetheless, it is highly recommended to purchase insurance for your trip, since medical costs within Europe can be very expensive for non-citizens. Having European travel insurance in place gives you peace of mind during your travels, and allows you the flexibility of changing your travel plans and visiting different European countries during your trip, plus so much more.
If you meet one of the following requirements, then you may be exempt from needing a Schengen visa:
The easiest way to find the best travel insurance for a Schengen visa is to use a comparison tool. Insurte’s travel insurance comparison tool gathers information on multiple insurance providers to help you identify which policy is best suited to your needs. With tools like this one, you can filter your results according to the type of trip you want, like asingle-trip or multi-trip, as well as the region(s) you want to cover - for example, worldwide cover if you’re globe-trotting. Some of the most well known insurance providers offering Schengen visa travel insurance include Axa, Allianz, Europ Assistance and Mutuaide, which can be compared apples to apples on Insurte to ensure you’re getting the right coverage at the best price.
It’s always worth shopping around when you are choosing travel insurance, especially if you are looking to find the cheapest insurance options available. There are also ways to reduce the cost of your insurance by modifying your requirements. Using Insurte’s insurance comparison tool will allow you to compare prices of different policies and select the cheapest travel insurance for Europe. The cheapest travel insurance options are going to be those that offer a more basic level of coverage. Reducing the length of your stay will also bring down your cost, as will increasing your deductible (or excess). Ultimately, it's worth remembering that the cost of insurance is a relatively small expense compared to the potential financial risk of traveling without sufficient coverage.
To ensure you have a premium policy that will protect you against all unforeseen events during your travels, you’ll want to opt for a comprehensive Schengen travel insurance. Comprehensive options will have higher thresholds in the payouts they offer and may include more specific options, such as Covid coverage. They may also be deductible free, meaning in the moment of a crisis you don't need to pay anything yourself. When searching for comprehensive insurance, be sure to review the policy terms and conditions carefully to understand what is and isn’t covered. Consider factors such as:
The cost of your Schengen travel insurance will vary widely depending on which insurance provider you go with and the level of coverage you select. Overall cost will depend on the length of your stay, as well as specific guarantees that you want covered. Including high risk activities, such as skiing, can result in a more expensive policy. On average you might expect to pay €21+ for a Schengen travel insurance policy for a short-term stay, but again, this can vary. The cheapest options will include basic insurance policies that offer minimal coverage. More comprehensive policies come at a higher premium, but offer additional benefits and have higher cover limits. With Insurte, the premiums we offer are not dependent on your age, nationality, country of departure or country of arrival. You can browse available insurance options without needing to fill out a health questionnaire - we offer minimum options to all customers on an equal basis, without discrimination.
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