Frequently asked questions about Schengen Travel Insurance

1. What is Schengen Travel Insurance?

Schengen Visa travel insurance is an insurance plan that is mandatory to obtain a Schengen Visa. This insurance plan provides coverage per the Schengen visa insurance requirement related to doctor visits and hospitalization due to accidents, injuries, and illnesses. It also includes evacuation and repatriation and provides coverage for all 26 Schengen countries.

2. How to get Schengen travel insurance?

You can get your Schengen visa travel insurance from your travel agent or online. You can always choose the way that seems more convenient.  Purchasing online is easy and quick. You will simply need to get a quote, complete the application form online and complete payment information. Once the form is submitted you will get a confirmation emailed to you. You can download the ID card as well as the required Visa letter. Contact Visitor Guard® to purchase your Schengen Visa travel insurance smoothly without any hassle.

3. How much travel insurance do I need for a Schengen visa?

In order to obtain your Schengen Visa, you will have to purchase travel insurance for the Schengen areas that include:

• It has to be valid in all Schengen member countries.
• Minimum medical coverage of €30,000.
• Must cover emergency medical expenses and repatriation.
• Must cover the expenses which might arise as a result of the individual’s death.
• Must cover the entire period of the individual’s intended stay in the Schengen zone.

4. Which travel insurance is best for Schengen visa?

Some of the best Schengen travel insurance plans are:

Atlas International

• Provides coverage ranging between $50,000 and $2 million.
• Coverage for a minimum of 5 days and a maximum of 1 year.

Patriot International

• Provides coverage ranging between $50,000 and $1 million.
• Coverage for a minimum of 5 days and a maximum of 2 years.

5. Is medical insurance mandatory for a Schengen visa?

Yes, to obtain a Schengen Visa, the purchase of medical insurance meets the requirement has been made mandatory.

6. How much does it cost for Schengen Travel Insurance?

The cost of Schengen travel insurance can be as low as 0.99 Euros per day. However, the cost is based on the traveler’s age, duration of stay and, the amount of coverage and deductible chosen.

7. Is Schengen travel insurance refundable?

Yes, depending on the plan’s cancellation policy, if written notification is received before the effective date of the policy a complete refund of the premium amount is possible.

8. Do I need health insurance when traveling to Europe?

Yes, if you need a Visa to travel to Europe, it is mandatory to have a health insurance plan in order to get your Europe Visa. Having health insurance while traveling to Europe even if you do not need a visa is always a good practice as it can protect you from high medical costs if you happen to have a medical emergency during your travel.

9. What are the Schengen visa insurance requirements?

Whenever you are going to purchase Schengen visa insurance, make sure it includes the following:

• It has to be valid in all Schengen member countries.
• Minimum medical coverage of €30,000. 
• Must cover emergency medical expenses and repatriation.
• Must cover the expenses which might arise as a result of the individual’s death.
• Must cover the entire period of the individual’s intended stay in the Schengen zone.

10. Which Schengen country gives visa easily?

Lithuania is the easiest to get your Schengen Visa from and it receives fewer applicants than countries like France, Italy, and Germany.

11. Which travel insurance is best for Europe from the USA?

Some of the best travel insurance plans for Europe if you are traveling from the US are:

• Safe Travels International
• Atlas international
• Patriot International

You can contact Visitor Guard® to understand what each plan covers and choose accordingly.

12. Who Must Purchase Travel Health Insurance for Europe?

Anyone applying for Europe Visa must purchase travel health insurance for Europe.

13. Do Schengen Visa Insurance Plans Cover COVID-19?

There are plans like Atlas International and Patriot International which provide coverage for Covid-19.

14. What Does Europe Travel Health Insurance Policy Usually Cover?

Europe travel health insurance provides coverage for:

• Emergency medical treatment.
• Expenses related to an emergency evacuation.
• Hospital expenses, prescription drugs.
• Expenses related to repatriation of mortal remains.

Some plans also cover acute onset of pre-existing conditions and expenses related to Covid-19.

15. Should Travel Visa Insurance Policy Cover All Schengen Area Countries?

Schengen Travel insurance can cover the 26 countries that make up the Schengen area, namely 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, and Switzerland as long as you are not a resident/citizen of these countries.