Schengen Travel Insurance


  By Kainat Tariq

  Nov 22, 2019

  Universal Insurance Co.Ltd.

Category:




Schengen Travel Insurance


While planning a tour to Europe or Schengen countries, everyone dreams to behold endearing and picturesque vacations in the scenic landscapes. There are various rules and regulations that you need to know about and follow to visit the Schengen area. One of the most important visa formalities is Schengen travel insurance that cannot be neglected while applying for a Schengen visa. 

When having a plan to visit Europe or the Schengen area, the visitors should have travel insurance to financially cover themselves in case of any sudden incident. Travel insurance indicates a comfortable journey for the travelers by taking care of unexpected financial expenses that can arise during travel. 

UIC Insurance Plans: 

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Schengen Area

The Schengen area comprises 26 countries that have eliminated visa restrictions by signing a Schengen agreement. The 22 countries of the EU (European Union) nations are members of Schengen states and 4 non-European countries are also included. 

Type of Visa for visiting Schengen countries

To visit the Schengen zone, a special visa required called the Schengen visa that allows free movement in the area by holding a single visa in a time period of 180 days. Traveling inside the Schengen area is also limited as you can enter only once with a single entry visa. If you want to enter the Schengen territory more than once then you have to apply for multiple entry visa. 

Schengen travel insurance is a MUST when applying for a Schengen Visa

When you are going to plan a tour to the Schengen zone and applying for a Schengen visa you must have to buy Schengen travel insurance. It is a must requirement otherwise your visa will be rejected. According to the rules of Schengen countries, travelers are required to have Schengen visa and insurance coverage in order to travel in the area. 

Schengen insurance policy is designed according to the requirements of Schengen countries. These regulations are made to protect the travelers in sudden medical emergencies and help the tourists in their destination country. Schengen travel insurance will make it easier for travelers to explore the area comfortably and with peace of mind.

Schengen Visa Insurance Requirements

The requirements of Schengen visa insurance are the following:

Minimum coverage of $50,000 is required.

Insurance should offer coverage in all the member countries of the Schengen zone.

It should cover the expenses related to medical emergencies, urgent health attention or other curative treatment.

Coverage during the time period of the traveler. 

Schengen insurance policy is highly recommended and required when traveling to the Schengen area so that the visitors can get a visa easily. 

Who must buy Schengen Travel Insurance?

Every individual visitor, business traveler or tourist traveling to the Schengen area or Europe is required to purchase a Schengen travel insurance as it is subjected to visa requirements. Schengen travel insurance policy can be easily purchased online from various authentic insurance provider companies. 

How much does Schengen Travel Insurance cost?

The cost of travel insurance for Schengen visa is varied for different companies. The travelers can buy a travel insurance policy for a minimum of 5 days and it can be extended according to the requirements of the travelers. Schengen travel insurance gives a minimum coverage of around 50,000 USD. 

Tips about Schengen Visa Insurance

The traveler should carefully check the international medical costs that should be covered and limitations of the insurance policy. 

If you are going to travel in the Schengen area in a car then you should purchase insurance that can give coverage in case of any accident. 

What does Schengen travel insurance policy cover?

A fine Schengen travel insurance policy usually covers the following costs:

While in the Schengen area, it provides coverage for medical emergencies.

Cancellation or delay of trip

Deportation in some emergency situations

Lost or delayed luggage

Flight cancellation due to schedule of airline


The travelers can enjoy a wide range of experiences in Schengen countries. To fully appreciate the true beauty of culture and natural scenery, you must travel safely by purchasing a Schengen travel insurance policy.