Our top picks for Schengen travel insurance
Advertiser Disclosure
Why We Like It
Tin Leg is known for offering high-quality travel insurance coverage at a competitive, reasonable price.
All Tin Leg policies have an A- rating or better for their financial strength from AM Best. We like the Tin Leg Gold plan because it offers great medical and evacuation coverage limits at an affordable price.
This plan comes automatically with trip cancellation and interruption coverage for coronavirus and other covered instances, as well as up to $500,000 in emergency medical expense protection and up to $500,000 in coverage for emergency medical evacuation, just in case something were to happen while on your Italy trip.
You may also qualify for travel delay protection, baggage insurance, and insurance that protects against missed connections on your way to the Schengen area.
Read our full review
- Excellent primary coverage for medical expenses
- High limit for emergency evacuation coverage
- Optional cancel for any reason (CFAR) coverage available
- Comes with coverage for hurricanes and inclement weather
- Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
- Baggage delay coverage requires a 24-hour waiting period
- Low coverage limits for baggage and personal effects
Why We Like It
Generali Global Assistance offers high coverage limits for medical expenses, emergency dental expenses, emergency medical evacuation coverage, and more for your trip to the Schengen zone.
This travel insurance provider has an A rating from AM Best and offers three tiers of travel insurance coverage to suit your needs:
- Standard plan
- Preferred plan
- Premium plan
If you’re looking for basic coverage at an affordable price point, the Standard plan may be just what you need. This plan offers coverage for up to 100% of the insured trip cost for cancellation and up to 125% of the insured trip cost for interruption. It also offers $1,000 per person in baggage coverage, up to $50,000 in medical coverage, and $250,000 in medical evacuation coverage.
Read our full review
- Lowest cost of all Generali Global Assistance plans
- 24/7 emergency travel assistance included
- Telemedicine included
- Lower coverage than other Generali plans
- Pre-existing conditions are not covered by the Standard plan
- No coverage for accidental death and dismemberment during on-land travel
Why We Like It
Travel Insured International offers two plans, Worldwide Trip Protector Edge and Worldwide Trip Protector. Of these two, we recommend the Worldwide Trip Protector plan for your trip to the Schengen area due to its superior coverage.
Worldwide Trip Protector covers 100% of the insured trip cost due to cancellation, 150% of the insured trip cost due to interruption, and $1,500 for trip delays and $500 for baggage delays after only 3 hours. It also includes $100,000 of secondary medical coverage and $1 million of evacuation coverage. it also offers $150,000 worth of non-medical evacuation coverage, providing transportation during a natural disaster or civil or political unrest.
Read our full review
- Travel delay coverage kicks in after just six hours
- Generous $150,000 non-medical evacuation coverage
- 24/7 emergency travel assistance included
- CFAR and IFAR coverage not included
- Baggage delay coverage only kicks in after 12 hours
- No rental car coverage
Why We Like It
AXA Assistance USA is a highly-rated travel insurance company that offers comprehensive travel insurance plans with a ton of benefits for your trip to the Schengen area. This means the coverage you purchase from them includes medical evacuation protection as well as baggage insurance, trip cancellation insurance, trip interruption coverage, travel delay coverage, and more. The company also offers three tiers of coverage you can choose from based on your needs and your budget.
We recommend the Platinum plan from AXA Assistance USA due to its superior medical evacuation coverage and robust limits in other categories. This plan comes with up to $1 million in protection for emergency medical evacuation and repatriation of remains, up to $250,000 in coverage for emergency medical expenses, $300 per day (maximum of $1,250) in trip delay coverage, $3,000 in insurance for baggage and personal effects, and more.
Optional cancel for any reason (CFAR) coverage is also available as an add-on with this plan.
Read our full review
- High coverage limits in every category. Extremely comprehensive
- Includes identity theft coverage & non-medical evacuation coverage
- CFAR coverage reimburses 75% of prepaid travel expenses
- Coverage cannot be extended unlike other plans
- Medical limit is lower than other cheaper plans, but still sufficient
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What is Schengen travel insurance?
Schengen travel insurance is simply a travel insurance plan that offers coverage while you’re traveling in Europe’s Schengen area, which now excludes the UK. This type of insurance is required for certain Schengen travel visas.
Typically, travel insurance plans offer coverage for certain destinations or areas of travel, and can sometimes exclude other destinations as part of the plan. Therefore, Schengen travel insurance refers to plans that offer coverage for travels within the Schengen area.
When do I need Schengen travel insurance?
It’s a good idea to have travel insurance any time you travel to this region, whether it be places such as France, Spain or Germany since most traditional health plans won’t work abroad, but you definitely need health insurance for a Schengen visa as noted by travel.state.gov) if you plan to apply for a longer stay.
Having valid Schengen travel insurance is a basic requirement for applying for a Schengen visa. In other words, you cannot get a visa for the Schengen area unless you buy travel insurance for the length of your stay.
That said, we recommend buying travel insurance any time you travel to this region, regardless of if you plan to apply for a Schengen visa.
Schengen visa travel insurance requirements
Travel medical insurance for a Schengen visa has the following requirements:
- It must be valid in all Schengen Zone countries and remain in effect until the end of your trip.
- It must cover at least €30,000 in medical expenses.
- Your insurance policy must cover repatriation due to medical emergencies. Repatriation is the technical term for returning to your own country.
What does Schengen travel insurance cover?
Every insurance policy is a little different, but travel insurance usually covers these expenses:
-
Medical expenses:
If you want a Schengen visa, your policy must include medical insurance. This type of insurance covers expenses arising from certain illnesses and injuries. Read your policy carefully, as Schengen travel health insurance typically excludes pre-existing conditions.
Regardless of whether you require a Schengen visa or not, having medical insurance is a must for anyone traveling outside of the US. Medical insurance is generally broken down into two categories; emergency medical coverage, and emergency medical evacuation coverage.
Schengen medical insurance covers you for things such as hospitalization, emergency room treatment, X-rays, emergency dental care, and more. Emergency medical evacuation coverage will cover you for any transportation you require to receive medical care. This can include an ambulance to the nearest hospital or a pricey evacuation via a helicopter or plane.
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Lost/damaged luggage:
Many Schengen visa travel insurance plans cover lost and damaged luggage. Your policy may even reimburse you for the cost of purchasing essential items while you wait for your delayed bag to arrive.
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Cancellations:
Comprehensive travel insurance usually covers trip cancellations, giving you extra peace of mind in the event you have to cancel your plans due to severe weather, illness, serious medical problems, natural disasters or legal obligations. According to the Department of Financial Services, Schengen visa insurance won’t cover cancellations due to COVID-19 in most cases unless you have COVID-19 travel insurance. This is because it’s no longer an unforeseen complication.
-
Delays:
Some types of travel insurance cover losses arising from trip delays. This coverage kicks in if you experience a delay while traveling via one of these common carriers: airline, passenger railroad, ferry or long-distance bus service. Your policy may cover meals, hotel accommodations, toiletries and other related expenses.
What doesn’t Schengen travel insurance cover?
Travel insurance coverage depends heavily on the plan you choose. The more comprehensive your plan, the more things you will have covered.
That said, there are some common things not covered under travel insurance that extend to Schengen visa travel insurance.
Schengen visa travel insurance may not cover:
- Some scenarios relating to pregnancy – such as childbirth (see pregnancy travel insurance)
- Some pre-existing conditions – depending on the plan and waiver criteria
- Some COVID-19 scenarios – such as self-imposed quarantine
- Anything mentioned in the “Exclusions” section of your specific plan – always read the fine print.
It’s important to review all the specific inclusions and exclusions of the plan you choose as there can be loopholes and exceptions to each of these scenarios.
For example, pre-existing conditions, which are health problems that existed before you purchased your policy, typically aren’t covered. However, there is often a limit to how far back this applies and certain criteria for waiving the exclusion.
How much does Schengen travel insurance cost?
Schengen travel insurance can cost as low as around $1 per day for the most basic coverage.
For more comprehensive travel insurance, you can expect to pay around $4 per day.
That said, the exact cost of travel insurance depends on several factors, including:
- Your age
- The duration of your trip
- The cost of your trip
- The coverage limits you select
- The destination of your trip
For example, medical insurance usually costs less for younger people than it does for older people, so a 65-year-old can expect to pay more than a 23-year-old.
Let’s walk through a real-world example comparing coverage types. We got travel insurance quotes for the following trip information:
- Age: 35 years old
- Destination: Schengen area
- Trip Length: 14 days
- Trip cost: $3,000
- Date: September, 2024
The requirements for Schengen visa travel insurance are quite simple, so you can get a relatively inexpensive plan. In this first table, we got price quotes for basic Schengen travel insurance.
Example Where Plan Doesn’t Reimburse the Full Trip Cost
While you are at it, you may want to opt for more comprehensive benefits. For the example below, we chose plans that will reimburse the full cost of your trip.
Example Where Plan Does Reimburse the Full Trip Cost
When you purchase travel insurance, it’s up to you whether you want to stick with the required minimums or give yourself a little extra peace of mind. That can have a big impact on the cost of your policy. For example, it costs a lot more to purchase €100,000 in medical insurance than it does to purchase the minimum €30,000 in medical insurance.
Where can I purchase Schengen travel insurance?
Where you ultimately purchase Schengen visa travel insurance is up to you.
If you are going as part of a larger tour or study program, you may be able to purchase Schengen visa travel insurance through your tour operator.
That said, you may be able to find a better deal buying Schengen travel insurance online. Most major travel insurance providers offer plans that match the Schengen visa requirements.
You can also have a look at an online comparison tool. To see Schengen visa travel insurance plans you can enter your trip details in the tool below. Once you reach the quote pages, there is a filter to select “Schengen Visa” under the preset filter options. This will highlight all the plans that match the Schengen visa requirements from multiple travel insurance companies at once.