Schengen Visa Insurance
Coverage that satisfies Europe’s mandatory Schengen visa requirement — with instant visa letters on several plans.
Team up with Treppy® →Who this covers
Schengen Visa Insurance gets clients the coverage they need to satisfy Europe’s mandatory visa requirement — anyone visiting or transiting through the Schengen Area, U.S. citizens included, who needs proof of qualifying insurance before their visa gets approved.
Get it wrong and a visa gets rejected
Get this wrong and a client’s visa application can be rejected outright, which makes accurate advice worth a lot more than a nice-to-have. It’s also usually urgent — clients need proof of insurance in hand for a visa appointment, and several plans issue a visa letter the moment you buy. And because the same plans used here overlap with the ones used for Expat coverage and other long-term travel, there’s a natural door into selling more to a client with bigger travel plans.
Who this typically fits
Schengen visa applicants
Clients applying for a Schengen visa to visit or transit through Europe.
U.S. citizens visiting Europe
U.S. citizens traveling to Europe who specifically need a visa-compliant certificate.
Frequent travelers
Clients who want coverage that renews across multiple trips to Europe.
Relocating temporarily
Clients studying, working, or relocating temporarily to Europe — coverage can stretch to a year.
What’s typically included
High evacuation limits
Medical evacuation and repatriation often $300,000 to $1,000,000, well above the EU’s floor.
Instant visa letters
Issued right after purchase on some plans — useful against a tight appointment deadline.
$0 deductible option
Several plans require or recommend a $0 deductible specifically for Schengen purchases.
Baggage & passport protection
Lost checked luggage and lost/stolen passport coverage on some plans.
Flexible duration
Available from a 5-day minimum up to 1 year, with renewal options up to the maximum.
U.S. transit allowance
Some plans cover an incidental U.S. stay of up to 14 days while in transit to or from Europe.
What the Schengen Visa Code requires
€30,000 minimum coverage
Required for medical and repatriation expenses under EU Regulation (EC) No 810/2009, Article 15.
Valid Area-wide
Must be valid across the whole Schengen Area, not just one country on the itinerary.
Covers the full stay
Must cover the complete length of the client’s stay.
Consulates don’t all read this the same way. Some want the €30,000 minimum applied separately to medical treatment, evacuation, and repatriation of remains; others only require it for medical treatment and accept any covered amount for the rest. Since it varies by consulate, the safer bet is coverage that clears €30,000 across all three rather than assuming it only has to hit once.
Frequently asked questions
Does the client need to pick a $0 deductible?
On several plans, yes, specifically when it’s being bought for Schengen purposes — even if the same plan offers other deductibles otherwise. Get this set correctly before issuing; it can be the difference between a certificate that satisfies the embassy and one that doesn’t.
How fast can a client get proof of insurance for a visa appointment?
Some plans hand over a visa letter the moment you purchase — useful when the appointment is close.
Can the policy also cover a U.S. layover on the way to Europe?
Most plans cover you from the time you depart your country of residence, including any layovers, until you return.
Does the €30,000 minimum apply once, or separately to each type of coverage?
Depends on the consulate. Some only require it for medical treatment; others require it separately for medical, evacuation, and repatriation. When in doubt, go with coverage that clears €30,000 across all three.
Explore other coverage categories
International Travel Medical Insurance
Student Insurance
Schengen Visa Insurance
Trip Insurance
New Immigrant Insurance
Expat Insurance
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