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Schengen Travel Insurance checker
Find out if your insurance certificate is 100% compliant for your Schengen visa application
By clicking on "Check if my insurance is Schengen compliant" I acknowlege that I'm not on any Embassy, Consulate, Government, Visa Application Center or official website.
The Schengen Visa Travel Insurance Checker is a free tool that, in under a minute, confirms whether or not your travel insurance policy meets visa application requirements. Every Schengen embassy needs to see that your policy adheres to four specific rules. The rules are related to the medical coverage amount, specific guarantees, and where and when you’re covered. If your insurance doesn’t meet the specific requirements, your Schengen visa will be rejected.
Check your Schengen travel insurance requirements instantly
If your insurance certificate isn't compliant, it may be rejected, meaning your visa application will be too.
- 1
Fill out the form
With your departure country and arrival country
- 2
Answer a few questions
The will help us assess your insurance
- 3
Be informed
about whether or not your current policy meets Schengen Visa Requirements
Check your Schengen travel insurance requirements instantly
Checking your coverage takes less time than reading policy conditions (which we still recommend you always do that too!). To use the tool, you just need to add your travel plans and a little bit about the policy, then it will tell you whether your insurance meets the requirements or not. If it doesn’t meet the requirements, it will tell you which parts aren’t compliant.
| Where you purchased | What the tool checks | Result | What to do |
|---|---|---|---|
| On another website | Whether or not your policy meets Schengen visa application requirements | If it doesn't... | The tool will tell you where it falls short, and offer solutions |
| Through your credit card | Whether or not your policy meets Schengen visa application requirements | If it doesn't... | The tool will tell you where it falls short, and offer solutions |
| Through Insurte | All Insurte policies are Schengen compliant (they meet the minimums!) | It meets all of the requirements | Print your insurance certificate and add it to your application file |
| You haven't purchased yet | Instead of the tool, purchase a policy through Insurte | All Insurte policies are compliant | Print it and add it to your application file |
How to use the Schengen visa insurance checker
The tool will prompt you for each piece of information it needs. You’ll select your departure country and your destination, answer a few questions about your policy, including its medical ceiling, validity zone, and dates.
Then, the checker compares your answers against the official Schengen visa requirements to inform you whether it’s compliant or not (meaning, whether it will work for your Schengen visa application or not).
What information you need to fill in the form
Make sure you have your policy in front of you so you can add all of the information accurately. You’ll need to share the coverage amount (in euros), which countries or zones you are covered in, the policy’s start and end dates, and whether or not repatriation guarantees are included.
If you’re using credit card coverage, make sure you have a summary of its benefits ready. Not all credit card travel insurance benefits are Schengen-compliant.
Schengen travel insurance plans that meet embassy requirements
While different travelers have different needs, every single person who applies for a Schengen visa needs to have a policy that meets the same minimum requirements. The right plan for you depends on your background, how often you travel to Europe, and what coverage you care about. Every single Insurte plan is Schengen compliant, so the policy you choose from them is more about what you’d like to be covered for (beyond the bare minimum).
| Plan type | Best for | Duration of trip | Embassy compliant? |
|---|---|---|---|
| Single-trip | One-time visa application | Up to 90 days | Through Insurte, yes |
| Annual multi-trip | Frequent travelers | Multiple stays up to 90 days, within a year | Through Insurte, yes (keep an eye on trip maximums) |
| Comprehensive coverage | Visa applicants who want more than the bare minimum coverage | Matches your trip | Through Insurte, yes |
Single-trip Schengen insurance plans
If you purchase a single-trip policy, it can cover you for one international trip. It should cover you for the entire journey, from when you leave your home to when you leave your destination. This is the most common choice for one-time visa applications. You can choose the dates you’d like to be covered for, and then the policy automatically ends when your trip does.
Annual multi-trip Schengen insurance plans
If you travel to Europe multiple times a year, it might make more sense to purchase an annual travel insurance policy. This way, you’re covered every time you travel to the Zone (make sure you check the terms and conditions for trip maximums). This is a great option for business travelers, students, or other frequent visitors who would otherwise need to buy a brand new policy for every single trip.
Comprehensive coverage, what changes?
At Insurte, all of our policies meet Schengen minimums, meaning they protect you against medical emergency costs and repatriation in the Schengen Area at their core. However, we also have policies that can protect you for additional common travel-related risks, like luggage protection and personal liability. Comprehensive plans can offer higher limits, which means you have greater peace of mind while overseas.
How to customize your Schengen insurance policy
While the bare minimum (through Insurte) will suffice for your visa application, there are policies that include more coverage, which can give you more confidence during your travels. Guarantees like assistance for lost/stolen passports, sports coverage, personal liability, and more are available depending on the policy that you choose. You can also choose a policy that offers higher medical emergency coverage amounts (beyond the 30,000 euro minimum). This is up to you, and could be a good idea if your trip is long or you’re going to countries with expensive emergency medical care.
Mandatory Schengen visa insurance, European requirements explained
When applying for a short-stay Schengen visa (Type C), your travel insurance needs to meet four very specific conditions. It has to cover at least 30,000 euros in emergency medical costs across all 29 countries of the Schengen area. It needs to include repatriation (including of remains), and its coverage dates need to align with your travel dates.
Minimum 30,000 euros of medical coverage
The minimum is 30,000 euros. This is so your policy can cover a sudden serious illness, accident, or emergency hospital stay during your trip. The amount is a legal minimum set by the European Union, and it is identical for every single Schengen embassy. If your policy’s coverage limit is under 30,000 euros, your visa application will be denied, per the official Visa Code.
Valid in all 29 Schengen member states
To meet the requirements, you need to be covered across the entire Schengen Area, not just your destination. The Zone includes 29 countries (up from 27 after Bulgaria and Romania became full members). This means that even if you are planning a trip to France, and only France, you need to be covered anywhere and everywhere in the Zone.
How much travel insurance do you need for a Schengen visa?
The minimum requirement is 30,000 euros for emergency medical coverage, valid across the entire Zone for your entire stay. Your policy also needs to include repatriation benefits.
Medical coverage minimums by Schengen country
The European Union makes it pretty easy – the requirements are the same regardless of which country you’re applying to. While a hospital stay in some countries may cost more than stays in another, the minimum exists to ensure travelers are protected should an emergency occur, and that countries don’t end up having to foot any of the bills.
Does trip duration change the amount you need?
For short-stay visa applications, there is no change in the requirements. The only “change” would be making sure that the policy covers you for the entire duration of your trip, whether that's 9 days or 90.
Why use an insurance checker before applying for a Schengen visa?
Missing a single requirement in your insurance coverage can result in a visa rejection. Travel insurance that doesn’t meet the requirements, even if it nearly meets all of them, is a common reason why short-stay visas are refused. This checker tool confirms that your policy meets them in just a couple of minutes. This way, if it doesn’t, you have time to fix it before you even submit the application.
The consulate will check the coverage amounts, validity zone, dates, and repatriation guarantees. The checker looks at these too, to make sure they’re good to go.