Travel Insurance for Schengen Countries: Requirements, Key Points, and Tips for Choosing a Policy

Health insurance for the Schengen Area is a document without which a visa simply won’t be issued. If you don’t have Schengen travel insurance, the visa center or consulate may deny your visa application. In general, you can purchase health insurance for the Schengen Area for reasons other than just obtaining a visa. After all, it serves as a reliable safety net in case of injury or illness. So, no matter how you look at it, Schengen health insurance is indispensable for traveling to any country in the Schengen Area. And whether you have it or not doesn’t depend on the purpose of your trip. 

Travel Insurance for the Schengen Area: Key Requirements

Insurance for Schengen Area countries must meet certain requirements:

• the coverage amount for medical expenses must be at least 30,000 euros;

• it must be valid throughout the entire Schengen Area;

• it must cover the costs of hospitalization, repatriation, and emergency care;

• it must be valid for the entire duration of the trip.

Some consulates draw attention to another point: namely, if you need to purchase health insurance for the Schengen Area, it is better to choose a policy with a long validity period. This is especially important if you plan to make multiple trips. 

What should Schengen insurance cover?

When you need health insurance for the Schengen Area, you should consider more than just the coverage amount. You also need to review the list of covered risks. You should purchase Schengen health insurance that covers the following risks:

• inpatient or outpatient treatment;

• consultation with a specialist;

• emergency dental care;

• evacuation and transportation to a medical facility;

• repatriation.

And the broader the coverage of your Schengen travel insurance, the better your protection will be throughout your entire trip. 

What should you keep in mind when you need to get Schengen insurance? 

It’s very easy to purchase Schengen insurance online. But before making your final decision, you should pay attention to a few important points.

1. Coverage area. Schengen insurance must be valid anywhere within the Schengen Area. If there are any restrictions, you may encounter problems obtaining a visa.

2. Deductible. The deductible refers to the costs that the traveler must cover themselves. To ensure a smooth visa application process, it’s best to purchase Schengen insurance with a minimal deductible or none at all.

3. Validity period. It’s important that your Schengen insurance—which KIRINS offers at the best price—covers your entire stay abroad.

And if your Schengen health insurance meets all these requirements, you can confidently purchase it. 

How much does Schengen insurance cost?

The cost of Schengen travel insurance depends on several factors:

• the traveler’s age;

• the destination country;

• the duration of the trip;

• the level of coverage;

• additional risks.

You can purchase medical insurance for the Schengen Area for a few hundred hryvnias. However, the cost may increase if you need extended coverage. Insurance for the Schengen Area that is purchased for a longer period will also cost more. 

How do I get Schengen insurance?

If you need travel insurance for the Schengen area, applying online is the perfect solution. It’s simple, fast, and you can do it without even leaving your home. Once you’ve paid, your Schengen visa insurance policy will be sent to your email. 

You can complete the application process at any time of day and from anywhere in Ukraine. You’ll also appreciate the ability to compare offers from different companies. And the whole process takes just a few minutes.

So where should you get Schengen insurance? With us at KIRINS, of course. We can offer you the most favorable terms.