Schengen Visa Insurance Requirements: The Best Options for Travelers


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Schengen Visa Insurance Requirements:

Travelling around Europe has never been easier thanks to the Schengen Visa Agreement, which allows you to travel freely between 26 countries (including France, Spain, Italy, Germany and more). But before you go, you need to make sure that your visa insurance has everything it needs to comply with the Schengen requirements. Here’s what you need to know about Schengen visa insurance and what types of coverage are available when you apply through AXA Travel Insurance.

What is a Schengen visa?

A Schengen visa is a visa issued by one of 26 Schengen states in Europe. A Schengen visa allows you to enter, exit and travel throughout these 26 countries as you please with no additional paperwork or stops at immigration checkpoints. These countries include Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany Greece Hungary Iceland Italy Latvia Liechtenstein Lithuania Luxembourg Malta Netherlands Norway Poland Portugal Slovakia Slovenia Spain Sweden Switzerland.

Who needs insurance?

If you are planning on traveling throughout Europe and staying there for more than 90 days, you will need to get a Schengen visa. This type of visa is best known as a multiple-entry visa, which means that while you have it, you can freely enter and exit countries that are part of what is called The Schengen Area—most European nations (excepting Ireland, UK and Cyprus) fall into that category.

Which policy do you need?

Before you get a Schengen visa, it’s important to understand which policy is best for your travel needs. For example, if you only plan on visiting one country in Europe, then you would need short-term coverage. But, if you plan on visiting multiple countries over an extended period of time, then a single-trip policy may not be your best option.

How much does it cost?

Traveling to Europe on a Schengen visa isn’t cheap, but it does have its benefits. For example, you can travel freely through countries such as France and Germany without worrying about extra costs or bureaucracy. As such, there are several things that you should take into consideration when looking at travel insurance options. One key question is how much coverage you need while in Europe. The Best Travel Insurance In US

Is this something I can buy myself?

You have options when it comes to insurance. Some travel insurance policies come with Schengen visa coverage built in; if your policy doesn’t, you can buy a supplemental visa policy at any time before you leave (i.e., while you’re still in your home country). No matter which route you choose, make sure to compare Schengen travel insurance quotes at least once before deciding what kind of coverage is right for you.

Does it cover any pre-existing conditions?


Schengen visa insurance must cover any pre-existing medical conditions you might have, but only while you are in Schengen zone countries. Make sure your policy includes coverage abroad—many policies require a minimum waiting period before they’ll cover pre-existing conditions outside of your home country. Also, make sure your policy has no limitations on medications or treatments.

Does it cover if I get injured, fall ill, or get robbed?

Because many health insurance plans don’t cover you when you’re outside of your home country, it’s important to check what kind of medical and emergency coverage your Schengen visa insurance provider offers. You need to be sure that if something happens while you’re traveling in Europe, you have somewhere to turn.

Should I buy my policy from the company that issues my visa?

Technically, you don’t have to buy your Schengen visa insurance from your visa provider—but it might be worth it. If you have any problems getting your policy in time, or if anything else goes wrong with purchasing, processing, renewing or using your policy (which is more likely when working with a third-party agent), at least you know you can go directly to your visa provider and sort out any problems.

Do I need travel insurance if I have health insurance?

You need medical coverage while you’re traveling. International travel insurance will help if something goes wrong, especially since your U.S.-based medical plan may not be valid while you’re outside of your home country. With international health coverage, you get access to emergency care and reimbursement for a portion of costs if an accident or illness should occur during your trip. Check with an agent who specializes in international health coverage to learn more about Schengen visa insurance requirements, which are more complex than you might think!



Visas are an expensive hassle, and it’s hard to get a perfect grasp on which is which and how much they cost. To alleviate some of that stress, we’ve put together our recommendation on what Schengen visa insurance you should take with you when traveling to Europe. If you want more information about these visas or any other visa-related questions, feel free to drop us a line—we’re always happy to help!

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