How Much Is Travel Insurance For a Schengen Visa

If you’re planning a trip to Europe, especially to countries within the Schengen Area, chances are you’ve already encountered the term “Schengen visa travel insurance.” It’s not just a nice-to-have—it’s a must. Without it, your visa application simply won’t be approved.

Travel insurance may seem like just another line item on your trip budget, but it plays a much bigger role. It’s your safety net abroad—covering you in case of unexpected medical emergencies, travel delays, or even lost luggage. But more than that, for Schengen visa applicants, it’s a legal requirement.

Understanding how much travel insurance costs for a Schengen visa—and what exactly you’re paying for—is key to planning a smooth and stress-free journey.

In this article, we’ll walk you through how much you should expect to pay, what factors influence the cost, what coverage is required by Schengen countries, and how TRAVUL.ORG helps streamline this entire process—so you can focus on the fun part: exploring Europe.

Why Is Travel Insurance Required for a Schengen Visa?

Travel insurance isn’t just about peace of mind. For the Schengen visa, it’s part of the official checklist.

According to the European Commission, all Schengen visa applicants must have travel insurance that meets these three core criteria:

• Minimum coverage of €30,000

• Valid in all 27 Schengen countries

• Covers any expenses that might arise in connection with emergency medical treatment, urgent hospitalisation, or repatriation (including in the event of death)

These requirements are non-negotiable. Whether you’re traveling for tourism, business, visiting family, or attending an event, your application will be rejected without valid proof of this insurance.

So, How Much Does Travel Insurance for a Schengen Visa Cost?

The price of Schengen visa travel insurance depends on a few factors:

1. Duration of Stay

Most insurance providers calculate cost based on how long you’ll be in Europe. A short 7-day trip will cost significantly less than a 90-day stay.

• 7–10 days: $10–$25

• 30 days: $30–$60

• 90 days (maximum Schengen visa duration): $50–$100+

2. Age of the Traveler

Generally, insurance premiums increase with age. Travelers over 65 may pay 25–50% more than younger applicants for the same coverage.

3. Level of Coverage

While the minimum required coverage is €30,000, some travelers opt for plans that offer higher coverage or include extras like trip cancellation, lost baggage, or dental care. These added benefits naturally raise the cost.

4. Country of Residence

Where you’re applying from can affect both the options available and the cost. Applicants from some countries may see higher premiums due to differing healthcare costs or risk assessments.

5. Single Trip vs. Annual Coverage

If you plan to travel multiple times in a year, an annual multi-trip policy could be more cost-effective, usually starting around $100–$150.

What’s Covered?

Every insurance policy is different, but for Schengen visa purposes, here’s what must be included:

• Emergency medical expenses

• Repatriation of remains

• Hospitalisation

• Urgent medical attention

Optional coverage may include:

• Trip cancellation or interruption

• Lost or delayed luggage

• Personal liability

• Coverage for adventure sports

Be sure to read the policy terms carefully. Some cheaper policies exclude pre-existing conditions or only reimburse after you’ve paid out of pocket.

Where Can You Buy Schengen Visa Travel Insurance?

There are many international providers approved for Schengen visa insurance, including:

• AXA Schengen

• Allianz Travel

• Europ Assistance

• World Nomads

• SafetyWing

But finding the right policy at the right price can be time-consuming—especially when you’re juggling visa paperwork, travel planning, and budgeting.

That’s where TRAVUL.ORG steps in.

How TRAVUL.ORG Makes Travel Insurance (and the Rest of the Visa Process) Easier

We know that travel planning, especially when visas are involved, can be overwhelming. You’re not just looking for flights and hotels—you’re navigating embassy appointments, financial documents, and now… insurance policies with fine print.

TRAVUL.ORG was built to simplify all of that.

Our platform is designed to help travelers like you plan, finance, and manage your entire trip in one place—including getting the right travel insurance for your Schengen visa.

Here’s how we make it easier:

Pre-Approved Insurance Options

We’ve integrated with trusted insurance providers to offer pre-vetted plans that meet Schengen visa requirements. No more guesswork or worrying if your policy will be accepted.

One-Stop Visa Support

We guide you through the visa process, from collecting the right documents to booking appointments—so you don’t miss a step.

Smart Budgeting Tools

Need help affording your dream trip? Use our travel savings and financing options to break down your costs—including insurance—and create a realistic payment plan.

Personalized Travel Planning

Once you’re covered, we help you build an itinerary, suggest local experiences, and even recommend visa-friendly destinations—all tailored to your interests and timeline.

With TRAVUL, you’re not just booking insurance—you’re building a complete travel experience.

FAQs

1. Can I use my credit card’s travel insurance for a Schengen visa?

Sometimes, but it depends. Most embassies require a detailed certificate of coverage that proves your card’s insurance meets the €30,000 minimum and includes repatriation. Many credit card policies don’t provide this. Always check with your card issuer.

2. When should I buy travel insurance in the visa process?

Buy it after you’ve confirmed your travel dates and before your visa appointment. The embassy requires proof of insurance that matches your intended dates of travel.

3. Will I get a refund if my visa is denied?

Many insurers offer partial refunds if your visa is denied and you can provide documentation. But policies vary, so check the refund terms before purchasing.

4. What if I extend my stay in the Schengen area?

You must purchase extended insurance coverage that matches the new dates. Remember, overstaying a visa—even with insurance—can lead to bans from future travel in the area.

5. Do children need separate insurance?

Yes. Each traveler, regardless of age, must be covered by a valid insurance policy.

Final Thoughts

Travel insurance isn’t just a formality—it’s a vital part of traveling smart and safely. And when it comes to getting a Schengen visa, it’s absolutely essential. While the cost of coverage is relatively low—especially compared to the potential cost of a medical emergency abroad—it can be a confusing piece of the travel puzzle if you’re not sure where to start.

At TRAVUL.ORG, we’re committed to removing those barriers. We’re building a space where travel is more accessible, more manageable, and ultimately more enjoyable—from your first search to your safe return home.

So, how much should you spend on travel insurance for your Schengen trip—and how can we help you get the right coverage without the headache? Let’s find out together.

Start planning your trip with TRAVUL.ORG