If you are traveling to the Schengen Area you must have Schengen Visa Insurance

 

 

Schengen Area Explained:

The Schengen Area covers most of the states in the European Unions as well as some countries not included in the EU such as Norway, Switzerland, Iceland, and Lichtenstein. The Schengen area permits free movement of trade, labor, and capital across all borders, boasting hundreds of airports, and over 400 million people.

To enter the Schengen Area coming from most countries you are required to have a Schengen Visa. There are however exceptions to this rule; some countries do not need a Visa to enter the Schengen Area. For a complete list of countries that need a visa in the Schengen Area look here.

The Schengen area includes these countries: Austria, Belgium, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.

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Schengen Visa’s:

There are three different types of Schengen Visa’s.

The Uniform Schengen Visa is the most restrictive visa. There are two types of this Visa. The first category is the “A” group; this stands for Airport Transit Visa. This visa is required for a non-Schengen citizen to travel through the international airports in the Schengen Area. The second category is the “C” group which permits short-term stays in a specific Schengen country.

The Limited Territorial Validity Visa allows visiting a particular country in the Schengen Area. Travel in any other Schengen Country is not permitted on this Visa.

The National Visa is intended for people who are working, studying or moving to the Schengen Area. This visa gives the recipient the ability to travel to any country in the Schengen Area.

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Schengen Visa Insurance:

If traveling from a nation that requires that you have a visa, it is also mandated that you purchase travel insurance that meets Schengen Visa insurance requirements. Most non-US citizens will need the Visa, and the Schengen visa insurance.  US Citizens traveling to the Schengen area for more than 90 days will also need the visa and the insurance.

In order to have your visa approved, you will need to have already purchased Schengen visa insurance

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Coverage Required for Schengen Visa Insurance:

• Your policy must be valid for the same time as your stay in the Schengen region.
• Your policy reimburses you for the costs of accidents, illnesses, emergency treatment.
• Your policy covers repatriation of your remains in the case of death.
• Your policy covers emergency medical evacuation.
• Your policy provides you with a minimum coverage of at least €30,000 (or a dollar equivalent of about $35,500 as of Sept 2021).
• Your policy covers you in all Schengen area countries.

It’s important that you have proof of coverage that meets these requirements.  Schengen countries won’t approve of your visa until after you provide proof of coverage.

We recommend a $0 deductible (sometimes called “excess” in Europe). We make this recommendation because many Schengen countries require the $0 excess, and they don’t always tell visa applicants that in their listed requirements.

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Plans Meeting all Schengen Visa Insurance Requirements

• IMG Patriot International Lite– Patriot International Lite is the low cost plan that meets the Schengen Visa Insurance requirements. Cost starts at about $1/day.  You will receive an Email a few minutes after purchase which contains your insurance ID card and your confirmation letter (Visa Letter). You can use the confirmation letter as proof of your insurance. Covers COVID-19. Please note that the $50,000 benefit level exceeds the €30,000 required coverage level. The Schengen countries accept plans with benefits in US Dollars.

  Patriot International Lite Sample Pricing

  IMG Patriot International Lite	$50,000 Benefit $0 Deductible	$50,000 Benefit $250 Deductible
  Sample Premium	Age 30 days Premium < 18 $30.75 18-29 $32.25 30-39 $37.88 40-49 $63.75 50-59 $108.00 60-64 $135.38 65-69 $159.00 70-79 $237.00 80+ See Options Below	Age 30 days Premium < 18 $24.60 18-29 $25.80 30-39 $30.30 40-49 $51.00 50-59 $80.70 60-64 $108.30 65-69 $127.20 70-79 $189.60 80+ See Options Below
  	Patriot International Lite Buy Now	Patriot International Lite Buy Now

  More Details: IMG Patriot International Lite

  Buy Now: IMG Patriot International Lite

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• IMG Patriot Platinum International – – Similar to Patriot International but higher coverage limits available.  You will receive an Email a few minutes after purchase which contains your insurance ID card and your confirmation letter (Visa Letter). You can use the confirmation letter as proof of your insurance. Covers COVID-19

  More Details (our partner’s web page): IMG Patriot Platinum International

  Buy Now: IMG Patriot Platinum International

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• IMG Europe GlobeHopper – You can choose benefits in Euros, Dollars, or Pounds. Cost starts at about €1/day. You will receive an Email a few minutes after purchase which contains your insurance ID card and your confirmation letter (Visa Letter). You can use the confirmation letter as proof of your insurance.

  IMG Europe GlobeHopper Sample Pricing

  IMG Europe GlobeHopper – Europe Coverage	€75,000 Benefit €0 Excess	€75,000 Benefit €200 Excess
  Sample Premium	Age 30 days Premium < 30 €32.63 30-39 €36.75 40-49 €60.75 50-59 €104.63 60-64 €132.75 65-69 €141.00 70-79 N/A 80+ See Options Below	Age 30 days Premium < 30 €23.10 30-39 €26.10 40-49 €42.90 50-59 €74.10 60-64 €93.90 65-69 €99.90 70-79 N/A 80+ See Options Below
  	IMG GlobeHopperBuy Now	IMG GlobeHopperBuy Now

  More Details: IMGE GlobeHopper

  Buy Now: IMGE GlobeHopper

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• Atlas Travel Medical Insurance – Meets the Schengen Visa Insurance requirements with coverage available for up to 3 years. Cost starts at about $1/day. You will receive an Email a few minutes after purchase which contains your insurance ID card and your confirmation letter (Visa Letter). You can use the confirmation letter as proof of your insurance. Provided by WorldTrips HCC Tokio Marine. Covers COVID-19

  Atlas Travel Medical Insurance Sample Pricing

  WorldTrips HCC Atlas Travel	$50,000 Benefit $0 Deductible	$50,000 Benefit $250 Deductible
  Sample Premium	Age 30 days Premium < 30 $30.90 30-39 $41.60 40-49 $65.10 50-59 $114.30 60-64 $140.10 65-69 $159.60 70-79 $258.60 80+ See Options Below	Age 30 days Premium < 30 $24.30 30-39 $38.10 40-49 $50.40 50-59 $88.20 60-64 $109.20 65-69 $123.90 70-79 $201.60 80+ See Options Below
  	WorldTrips HCC Atlas TravelBuy Now	WorldTrips HCC Atlas TravelBuy Now

  More Details (our partner’s web page): Atlas Travel Medical Insurance

  Buy Now: Atlas Travel Medical Insurance

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Different Coverage Options for People Aged 80 or Over

If you are 80 years old or over and are currently living in the US (prior to your travels):

The IMG GlobeHopper Senior Travel Medical Insurance Plan will meet your needs. This plan will cover you for $50,000, or $100,000. You can choose a $0 Deductible to comply with the Schengen Visa. This plan will cover you anywhere in the world outside the US. The $50,000 plan with a $0 deductible will cost $468.75 per month.

To be eligible for this plan you need to be on Medicare and enrolled in Parts A and B, and have a medicare supplement plan or Medicare Advantage plan.

More Details (our partner’s web page): GlobeHopper Senior Travel Medical Insurance

Buy Now: GlobeHopper Senior Travel Medical Insurance

If you are 80 years old or over and are currently living outside the US (prior to your travels):

The Trawick Safe Travel International will meet your needs. This plan will cover you for $50,000. You can choose a $0 Deductible to comply with the Schengen Visa. This plan will cover you anywhere in the world outside the US. The $50,000 plan with a $0 deductible will cost $513.02 per month. Covers COVID-19
More Details: Trawick Safe Travel International

Buy Now: Trawick Safe Travel International

 

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Coverage for All Schengen Countries and more

With our plans you will have coverage worldwide outside of your residence country. If your travels include any of the 26 Schengen countries (Austria, Belgium, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland) and countries outside the Schengen region your one policy will cover you. There is no need for you to buy multiple policies.

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Simple Purchase Process

Our policies are sold with an online application. You will need to complete a simple application, and have a credit or debit card to pay. Insurance documents, including proof of coverage that meets Schengen Visa Insurance requirements will be delivered to you by email. You will receive proof of coverage within minutes of you completing your application.

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You Can Cancel your Schengen Travel Insurance for Europe if your Visa is Declined

You will need to prove you already have Schengen Travel Insurance for Europe when you apply for a Schengen Travel Visa. If your visa is declined, you can get a full refund of the premium as long as you request the cancel before your plan effective date. Also, sometimes your travel dates need to change. Our plans allow you to change your coverage dates if you request the change before the effective date for your coverage, and before the effective date you wish to change to.

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Additional Benefits in Schengen Travel Insurance for Europe

Some of our plans include additional benefits to assist you in your travels. These include 24/7 emergency assistance, Lost baggage protection, Trip Interruption Benefits, Personal Liability, Accidental Death and Dismembership, and Identity Theft. We can help you understand all the benefits you are eligible for.

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Need Help?

If you would like help finding a plan to meet your needs, Contact Us. Our Experts are here to help you 7 days a week.

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Content Updated 5/12/2022