The Best Schengen Travel Insurance Options in 2025
- Insurance approved for the Schengen visa
- Immediate confirmation by email
- Refund requests directly online
- Refunds possible in a currency other than the euro
- Insurance approved for the Schengen visa
- Immediate confirmation by email
- Refund requests directly online
- Refunds possible in a currency other than the euro
The ACS - Europax offer provides coverage for medical expenses abroad up to €30,000 per insured person, with a deductible of €30, which is the same as AXA - Visa Schengen - Schengen Low Cost and Assur Travel - Impact Schengen - Essential, but lower than AXA - Visa Schengen - Schengen Europe Travel and Mondial Care - Visa Schengen - Option Premium, which offer up to €100,000. Regarding legal liability, ACS - Europax offers high coverage of €4,575,000, which far exceeds Mondial Care - Visa Schengen - Premium option, which covers up to €1,500,000. However, ACS - Europax does not offer cancellation insurance, unlike some competing offers that include this guarantee.
The price of ACS - Europax is €30.20, which is competitive compared to AXA - Visa Schengen - Schengen Low Cost at €55.00 and significantly cheaper than AXA - Visa Schengen - Schengen Europe Travel at €81.00. However, it is slightly lower than Mondial Care - Visa Schengen - Option Confort at €34.00.
The ACS - Europax offer is suitable for non-European travellers who need insurance that meets the requirements of the Schengen visa, with excellent coverage for medical emergencies and high liability coverage at a competitive price.
- Insurance accepted for a Schengen visa
- Refund if visa is refused (-€15)
- Immediate statement approved by consulates
- Repatriation guarantee after hospitalisation in your country of origin
- 24/7 Assistance
- Does not cover pre-existing conditions
- Insurance accepted for a Schengen visa
- Refund if visa is refused (-€15)
- Immediate statement approved by consulates
- Repatriation guarantee after hospitalisation in your country of origin
- 24/7 Assistance
The Chapka - Cap Schengen insurance provides coverage for medical expenses abroad up to €30,000 per insured person with a deductible of €80, which is standard compared to other offers like AVA Assurances - Ava Incoming Classic and Europ Assistance - Visa Schengen - Schengen. Medical repatriation is covered at actual cost, which offers premium coverage similar to Assur Travel - Impact Schengen - Essential and AVA Insurances - Ava Incoming Safe & Health. However, this offer does not cover trip cancellation, liability, loss or theft of luggage, or interruption of stay, making it less comprehensive than offers like ACS - Europax, which includes liability coverage up to €4,575,000 per insured person.
The price of Chapka - Cap Schengen insurance is €58.00, which is more expensive than competing offers such as Assur Travel - Impact Schengen - Essential at €37.00 and ACS - Europax at €30.20. On the other hand, it is cheaper than the AXA - Visa Schengen - Schengen Europe Travel insurance at €81.00.
This offer is suitable for non-European travellers planning a trip to the Schengen area, as it meets Schengen visa requirements with adequate coverage for medical expenses and medical repatriation.
- Insurance accepted for the Schengen visa
- Immediate confirmation by email
- 24/7 unlimited medical assistance by phone
- Insurance accepted for the Schengen visa
- Immediate confirmation by email
- 24/7 unlimited medical assistance by phone
Mondial Care - Visa Schengen - Option Confort offers solid guarantees for non-European travellers visiting the Schengen area, with a medical expenses ceiling abroad of €100,000, higher than ACS - Europax and Assur Travel - Impact Schengen - Essentiel which only offer €30,000. However, private liability insurance is covered up to €1,500,000, less than the €4,575,000 offered by ACS - Europax. Medical repatriation is covered without cost limit, similar to most other offers. However, the offer does not cover luggage, cancellation or interruption of stay, which may be a disadvantage for some travellers.
The price of Mondial Care - Visa Schengen - Option Confort is €34.00, which is competitive compared to other offers such as Assur Travel - Impact Schengen - Premium for €44.00 and AXA - Visa Schengen - Schengen Europe Travel for €81.00, although slightly more expensive than ACS - Europax for €30.20.
This offer is well suited for the non-European traveller who needs high medical cover and adequate liability insurance for a three-week stay in the Schengen area.
- Insurance accepted for Schengen visa
- Immediate certificate approved by consulates
- €3,000 legal assistance
- 24/7 unlimited telephone medical advice
- Insurance accepted for Schengen visa
- Immediate certificate approved by consulates
- €3,000 legal assistance
- 24/7 unlimited telephone medical advice
Mondial Care - Visa Schengen - Premium option offers coverage for medical expenses abroad of €100,000 per insured person, which is higher than the €30,000 of ACS - Europax and equivalent to AXA - Visa Schengen - Schengen Europe Travel. Regarding legal liability, it offers coverage of €1,500,000, less than the €4,575,000 offered by ACS - Europax, but more than most other competitors who do not cover this guarantee. Medical repatriation is covered against actual costs, a standard among premium offers. However, guarantees such as cancellation and baggage cover are lacking, unlike Chapka - Cap Academy, which covers baggage up to €3,000.
The price of Mondial Care - Visa Schengen - Premium option is €47.00, which is competitive compared to Assur Travel - Impact Schengen - Summum at €48.00 and significantly cheaper than AXA - Visa Schengen - Schengen Europe Travel at €81.00. However, it is more expensive than Mondial Care - Visa Schengen - Option Confort at €34.00 and ACS - Europax at €30.20.
This offer is suitable for non-European citizens travelling in the Schengen area, as it meets the requirements for a Schengen visa and provides adequate medical cover and liability cover.
- Insurance accepted for the Schengen visa
- Refund in case of visa refusal (-€15)
- Immediate certificate approved by the consulates
- 24/7 repatriation assistance
- Insurance accepted for the Schengen visa
- Refund in case of visa refusal (-€15)
- Immediate certificate approved by the consulates
- 24/7 repatriation assistance
Chapka - Cap Europa provides coverage for medical expenses abroad up to €70,000 per insured, with a deductible of €80, which is lower than ACS - Globe Partner and Mondial Care - World Travel which offer €300,000 and €300,000 respectively, without any deductible for the first and €50 for the second. Regarding medical repatriation, Chapka - Cap Europa covers the actual costs, similar to ACS - Globe Traveller and Mondial Care - World Travel. However, Chapka - Cap Europa does not cover luggage, unlike ACS - Globe Traveller which offers coverage of €2,000 per claim, and Mondial Care - World Travel which offers €1,000. Furthermore, cancellation insurance is not covered by Chapka - Cap Europa, while ACS - Globe Traveller provides coverage up to €9,000 per insured.
Chapka - Cap Europa is suitable for travellers journeying around the world for a year who prioritise medical coverage and repatriation, but they may encounter limitations due to the absence of coverage for luggage and cancellation.
- The best Schengen travel insurance plans
- What Is Schengen Travel Insurance?
- The price of Schengen travel insurance
- What Schengen travel insurance covers
- The conditions of Schengen travel insurance
- Why take out Schengen travel insurance?
- How to choose the right Schengen travel insurance
- Do your current insurance policies cover Schengen travel insurance?
- FAQ
Schengen travel insurance: key takeaways
1. Definition: Schengen travel insurance is mandatory medical cover for visiting the Schengen Area, meeting specific EU legal requirements.
2. Price: A one-week Schengen policy for an Australian traveller typically costs between AUD $30 and AUD $70.
3. Coverage: It covers emergency medical care and repatriation but often excludes pre-existing conditions and high-risk adventure sports.
4. Bank cards and health insurances: Medicare and credit card insurance rarely meet the mandatory €30,000 minimum coverage required for the visa.
5. Tips: Ensure your policy explicitly states "Schengen compliant" and covers your entire trip duration plus 15 days.
6. Other useful info: Some policies offer a refund if your Schengen visa application is refused, which is a valuable feature.
Why trust HelloSafe ?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analysing 38 travel insurance policies available in Australia, our experts share here everything you need to know to choose the best Schengen travel insurance.
The best Schengen travel insurance plans
Here is a selection of the best Schengen travel insurance plans available for residents of Australia in 2025. These policies stand out for their high medical limits, low deductibles and flexible terms, providing optimal protection for safe and hassle-free travel.
| Contract we recommend | Medical reimbursement | Deductible | Advantages |
|---|---|---|---|
| HelloTravel Premium | 75,000 AUD | 0 AUD | • Broad direct billing network. • 24/7 Australian multilingual support. • Fast visa certificate issuance for Schengen. • Comprehensive COVID-19 coverage included. |
| Cap Assistance 24/24 | 75,000 AUD | 0 AUD | • No age-based premium surcharge. • Covers trip interruption. • Pays for medical repatriation. • Instant visa document delivery. |
| Tourist Card | 55,000 AUD | 100 AUD | • Policy valid for multi-entry Schengen visas. • Fast refund on cancellation. • Covers some pre-existing conditions. • Access to 24/7 emergency support. |
| World Travel | 65,000 AUD | 50 AUD | • Schengen-compliant plan. • Emailed certificate accepted by embassies. • Emergency dental expenses included. • Option to cover high-risk activities. |
| Globe Partner | 49,000 AUD | 0 AUD | • Immediate online enrolment. • Recognised by all Schengen consulates. • Digital claims and support. • Suitable for young and budget-conscious travelers. |
| Globe Traveller | 55,000 AUD | 0 AUD | • Valid for long stays (up to 12 months). • Fixed premiums up to age 70. • Free upgrades for family plans. • Full support in English for claims. |
• 24/7 Australian multilingual support.
• Fast visa certificate issuance for Schengen.
• Comprehensive COVID-19 coverage included.
• Covers trip interruption.
• Pays for medical repatriation.
• Instant visa document delivery.
• Fast refund on cancellation.
• Covers some pre-existing conditions.
• Access to 24/7 emergency support.
• Emailed certificate accepted by embassies.
• Emergency dental expenses included.
• Option to cover high-risk activities.
• Recognised by all Schengen consulates.
• Digital claims and support.
• Suitable for young and budget-conscious travelers.
• Fixed premiums up to age 70.
• Free upgrades for family plans.
• Full support in English for claims.
The best Schengen travel insurance may vary according to your needs. We invite you to use HelloSafe’s travel insurance comparison tool to find the one that suits you best and subscribe directly online.
Compare the best travel insurance policies for freeI compareWhat Is Schengen Travel Insurance?
Schengen travel insurance is a compulsory medical insurance required for Australian travellers applying for a Schengen visa.
It must provide at least €30,000 (about 49,000 AUD) coverage for emergency medical expenses and repatriation.
This insurance must remain valid for the entire stay across all Schengen countries and cover emergencies such as hospitalisation, emergency dental care, and returning to Australia due to illness or death.
Schengen travel insurance is sometimes called “Europe travel insurance” and must meet minimum coverage levels unlike standard international travel insurance.
Expert advice
Here are the cases where Schengen travel insurance is especially important for travellers from Australia:
- When applying for a Schengen visa from Australia.
- If you have any pre-existing medical conditions to declare.
- For trips involving winter sports or other adventure activities.
- To cover high emergency medical costs within the Schengen Area.
- To ensure coverage for medical repatriation back to Australia.
- As Australian private health cover is not valid in Europe.
- For long stays or multiple-entry trips within Europe.
The price of Schengen travel insurance
On average, Schengen travel insurance costs between $4 and $10 per day per person, depending on coverage choices and trip length.
| Trip | Trip cost | Indicative price per person |
|---|---|---|
| 5 days in Paris and Amsterdam | $2,000 | $25 to $60 |
| 2 weeks in France and Italy | $4,500 | $60 to $130 |
| 1 month touring Germany and Spain | $8,000 | $120 to $240 |
| 3 months across several Schengen countries | $14,000 | $230 to $500 |
These prices are provided as an indication and may vary depending on the type of plan chosen (standard or premium) and the specific conditions of each insurer.
The price of your Schengen travel insurance depends on several factors:
- trip duration: the longer your stay in the Schengen zone, the higher the premium.
- traveller’s age: prices increase for senior travellers.
- level of coverage: an extended plan with higher medical limits and extra features costs more than a basic one.
- selected options: sports coverage, cancellation add-ons, or coverage for pre-existing medical conditions can increase your total cost.
- number of travellers: policies for couples or families are more expensive overall, but sometimes more cost-effective per person than individual plans.
What Schengen travel insurance covers
Schengen travel insurance is a legally required policy for anyone applying for a Schengen visa. It is designed to provide key coverage for medical emergencies while you are in one or more Schengen countries.
| Covered guarantee | Definition | Expert advice |
|---|---|---|
| 🏥 Emergency medical expenses | Key guarantee. Pays for urgent medical care if you fall ill or have an accident in Europe. | 🔴 Required for Schengen visa. We recommend a minimum cover of $49,000 with no deductible or a maximum of $100. Most insurers exclude pre-existing conditions, routine treatment, and chronic illness. |
| 🚑 Emergency repatriation | Key guarantee. Pays for transport back to Australia if medically needed. | 🔴 Required for Schengen visa. Cover should be unlimited or at least $49,000. Repatriation for non-medical reasons or if you refuse repatriation is excluded. |
| 🦷 Emergency dental care | Pays for urgent dental treatment to relieve pain while in Europe. | 🔴 Required for Schengen visa. At least $1,500 cover is recommended with a deductible under $50. Cosmetic work, ongoing care, and treatment not linked to pain relief are excluded. |
| 🕑 Trip interruption | Refund of unused trip expenses if you must cut your stay short due to emergency. | Not mandatory but highly recommended. Minimum $2,000. Keep deductibles low. Voluntary returns, minor illness, or changes of mind are excluded. |
| 🧳 Baggage loss or theft | Covers the cost if your luggage is lost, stolen, or damaged during your Schengen trip. | Not required for the visa but important protection. Minimum $2,000 with a deductible under $50. Unattended, forgotten, or valuable items like electronics are often excluded. |
| ⏳ Travel delay | Offers compensation for long delays with public transport during your stay. | Not required, but $100 after 6 hours is useful. Preferably no deductible. Delays under 6 hours or unproven claims are excluded. |
| 🧍♂️ Personal accident | Pays a fixed sum for accidental death or disability sustained in Europe. | Not required, but consider $10,000. No deductible should apply. Claims linked to alcohol, risky sports, or pre-existing problems are excluded. |
| ⚖️ Legal assistance | Covers lawyer fees or bail in case of legal incidents abroad. | Not mandatory, but look for at least $5,000 for legal costs and $10,000 bail. Criminal actions, alcohol involvement, or incidents involving family members are usually excluded. |
| 🤝 Personal liability | Covers injury or property damage you accidentally cause to others in a Schengen country. | Not required but valuable. Aim for $450,000 cover with deductible below $100. Damage to family, rented property, or intentional acts are excluded. |
| 📱 24/7 emergency assistance | Provides access to help and guidance any time in case of emergency abroad. | 🔴 Required for Schengen visa. Round the clock support should be included, with assistance in English. Consultations about non-emergencies and costs not agreed with the insurance provider are excluded. |
We recommend a minimum cover of $49,000 with no deductible or a maximum of $100.
Most insurers exclude pre-existing conditions, routine treatment, and chronic illness.
Cover should be unlimited or at least $49,000.
Repatriation for non-medical reasons or if you refuse repatriation is excluded.
At least $1,500 cover is recommended with a deductible under $50.
Cosmetic work, ongoing care, and treatment not linked to pain relief are excluded.
Voluntary returns, minor illness, or changes of mind are excluded.
Unattended, forgotten, or valuable items like electronics are often excluded.
Delays under 6 hours or unproven claims are excluded.
Claims linked to alcohol, risky sports, or pre-existing problems are excluded.
Criminal actions, alcohol involvement, or incidents involving family members are usually excluded.
Damage to family, rented property, or intentional acts are excluded.
Consultations about non-emergencies and costs not agreed with the insurance provider are excluded.
Reimbursement limits vary depending on the insurer and the plan selected (eco, standard, premium). They must always be checked in the general terms and conditions.
To find the Schengen travel insurance best suited to your profile and your trip, easily compare offers on HelloSafe.
The conditions of Schengen travel insurance
To be valid, Schengen travel insurance for Australian travellers must meet strict conditions set by European authorities.
- Timing of purchase: you must buy insurance before starting your trip to the Schengen Area from Australia.
- Minimum coverage amount: your policy must offer at least €30,000 (about AUD $49,000) for medical and repatriation expenses.
- Geographic validity: coverage must apply in all 27 Schengen countries for the full length of your stay.
- Coverage period: the insurance must cover your entire stay, including all entry and exit dates, and often an extra 15 days.
- Policy documentation: a certificate confirming compliance with Schengen visa rules must be provided, in English or the embassy’s requested language.
- No ongoing travel: you must not already be in the Schengen Area when purchasing the policy.
- Coverage of mandatory benefits: the policy must include emergency medical, hospitalisation, emergency dental and repatriation to Australia in case of death or serious illness.
- No minimum deductible: insurers may not apply an excess higher than the level accepted by Schengen embassies (usually zero or very low).
Watch out!
Heads up, Aussies! Your credit card travel insurance likely isn't enough for Europe. Schengen visa rules demand at least €30,000 medical cover, which most bank policies don't meet. Always get a specific, compliant policy to avoid visa issues and ensure you're properly covered.
Why take out Schengen travel insurance?
Schengen travel insurance is mandatory if you apply for a Schengen visa to enter any country in the Schengen Area.
When travelling, even a minor health issue can quickly result in high expenses abroad, far exceeding the cost of your trip.
Here are some examples of healthcare costs abroad:
| Type of treatment | Average cost in the Schengen Area | Covered by insurance |
|---|---|---|
| Foot sprain (X-ray and consultation) |
| Up to $49,000 AUD, usually 100% |
| Medical repatriation |
| Up to 100%, if medically necessary |
| Appendicitis surgery and hospitalization |
| Up to $49,000 AUD or more, depending on plan |
| Stitches after a fall |
| Usually 100%, per policy limit |
| Emergency tooth extraction |
| Partial or full reimbursement, subject to limits |
- $450 to $700 AUD
- $25,000 to $100,000 AUD
- $12,000 to $25,000 AUD
- $300 to $600 AUD
- $250 to $500 AUD
Coverage varies greatly depending on the plan chosen (standard or premium) and the insurer. Refer to the general conditions and always compare with tools like HelloSafe.
In addition to medical expenses, Schengen travel insurance also offers guarantees such as emergency repatriation, civil liability, trip cancellation, personal assistance, and coverage for lost luggage, essential for peace of mind abroad.
Good to know
Beyond being a visa requirement, it's your financial safety net. Medicare won't cover you in Europe, where repatriation after an accident can cost over $85,000. A simple policy from an insurer like Chapka protects you from massive bills, ensuring your trip is memorable for the right reasons.
How to choose the right Schengen travel insurance
Coverage details for Schengen travel insurance can differ, including reimbursement limits, deductibles, and exclusions. Knowing which criteria to compare helps you select the most suitable insurance for your travel needs.
| Criterion | Why it matters | Expert tip |
|---|---|---|
| 💶 Reimbursement limits | Schengen law requires at least €30,000 (about $49,000 AU) medical cover for a visa | Always check coverage meets or exceeds legal Schengen minimum for all destinations. |
| 📉 Deductible | High deductibles can create big out-of-pocket expenses in a claim | Prefer zero deductible policies for medical care to avoid unexpected costs during your stay. |
| 📋 Policy conditions | Some policies only count if purchased before the visa is issued | Make sure the policy is bought before your visa appointment and valid for your full trip. |
| 👨👩👧 Traveller profile | Family, solo, student needs require different coverage levels | Compare family, youth or senior plans for savings or broader protection as suits your group. |
| 📆 Trip duration | Schengen policies must cover your entire stay, with a buffer | Always select a policy that covers your travel dates, plus an extra 15 days if needed. |
| 🌍 Geographic area | Schengen insurance must cover all member states, but not the UK | Check that every country on your itinerary is covered, including stops between destinations. |
| 🛡️ Existing coverage | Australian health and bank policies do not meet required Schengen standards | Do not rely on domestic insurance or credit cards, as these almost never meet Schengen rules. |
| 🧗 Planned activities | Adventure sports or extreme activities may be excluded unless requested | If you plan skiing, hiking or similar, add extra adventure coverage to avoid exclusions. |
| 🖥️ Online subscription | Online sign-up is faster and makes documentation easier for visa | Choose an insurer that provides instant certificates suitable for Schengen visa applications. |
Do your current insurance policies cover Schengen travel insurance?
It is normal to wonder if your existing insurances, such as credit card or public health coverage, can sufficiently cover a Schengen trip, but in most cases, they do not meet the necessary requirements. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Schengen travel insurance included? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare) | Never | Covers emergencies in limited countries, never in Schengen. Maximum: $0 in Europe. No repatriation, trip cancellation, liability, or baggage cover. | Travel insurance covers up to $1,000,000 and guarantees like repatriation, liability, lost luggage, and more. |
| Private health insurance (Bupa, Medibank) | Almost never | Emergencies only in listed countries, rarely in Europe. Max: $5,000 abroad. No baggage, cancellation, or Schengen visa guarantees. | Travel insurance provides higher medical, cancellation, and liability cover, up to $1,000,000 or more. |
| Classic credit card (ANZ Standard, NAB Classic) | Never | Sometimes basic travel accident cover. Max: $0 to $15,000 medical, no repatriation. No compliance, no Schengen certificate, no evacuation cover. | Travel insurance can include $49,000+ for medical care, visa compliance, and 24/7 global assistance. |
| Premium credit card (ANZ Black, AMEX Platinum) | Limited coverage | Some overseas medical, cancellation, and baggage. Max: $35,000 medical, rarely covers full Schengen needs. No full repatriation, legal minimum not met. | Travel insurance meets all Schengen requirements and covers full medical, repatriation, and emergencies up to $1,000,000. |
No repatriation, trip cancellation, liability, or baggage cover.
No baggage, cancellation, or Schengen visa guarantees.
No compliance, no Schengen certificate, no evacuation cover.
No full repatriation, legal minimum not met.
Expert advice
Heads up, Aussies! Your bank card or health insurance often won't cover trip interruptions for a relative's illness. Always read the fine print to avoid nasty surprises abroad. In all cases, it is safer and more reassuring to subscribe a dedicated travel insurance tailored to the trip.
FAQ
Is Schengen travel insurance mandatory?
Schengen travel insurance is mandatory for Australians applying for a Schengen visa covering any of the 27 countries. It is not required for short stays in Schengen if you already hold a European passport, but it is still strongly recommended. For example, a trip to France as a tourist without insurance could expose you to high medical bills if you fall ill or have an accident.
When is it recommended to purchase Schengen travel insurance?
It is best to purchase Schengen travel insurance as soon as you know your travel dates and before submitting your visa application. Early purchase ensures your coverage is active from your arrival, and also protects you financially if unforeseen events force you to cancel your trip. Buying well in advance also allows you to review all documentation for your visa appointment.
How do I purchase Schengen travel insurance?
First, compare plans using HelloSafe’s travel insurance comparison tool to find the best offer for your needs. Next, carefully check all guarantees and exclusions, ensuring they comply with Schengen requirements for minimum coverage. You can then purchase your policy online in just a few minutes and receive your insurance certificate, which you can present at your visa appointment.
Can I purchase Schengen travel insurance after booking my trip?
Yes, you can purchase Schengen travel insurance even after booking flights or accommodation, and often even shortly before your departure. However, for visa applicants it is crucial to arrange your insurance before your embassy appointment, as proof of insurance is required for the visa to be granted. Always make sure coverage starts from your arrival in Schengen.
How do I make a claim?
To make a claim, contact your insurer’s emergency assistance line for guidance. Prepare your insurance certificate, travel documents, and any medical or expense receipts. Most insurers offer online claim forms and 24/7 support. It is important to notify the insurer as soon as possible after an incident and to keep copies of all supporting paperwork.
Does Schengen travel insurance cover COVID-19 treatment?
Many Schengen insurance providers now include coverage for COVID-19 related medical expenses, testing, and even quarantine costs when required. It is important to read the product disclosure statement carefully, as the level of pandemic cover and exclusions may vary between insurers. Always confirm COVID-19 coverage before purchasing your policy.
Is Schengen travel insurance mandatory?
Schengen travel insurance is mandatory for Australians applying for a Schengen visa covering any of the 27 countries. It is not required for short stays in Schengen if you already hold a European passport, but it is still strongly recommended. For example, a trip to France as a tourist without insurance could expose you to high medical bills if you fall ill or have an accident.
When is it recommended to purchase Schengen travel insurance?
It is best to purchase Schengen travel insurance as soon as you know your travel dates and before submitting your visa application. Early purchase ensures your coverage is active from your arrival, and also protects you financially if unforeseen events force you to cancel your trip. Buying well in advance also allows you to review all documentation for your visa appointment.
How do I purchase Schengen travel insurance?
First, compare plans using HelloSafe’s travel insurance comparison tool to find the best offer for your needs. Next, carefully check all guarantees and exclusions, ensuring they comply with Schengen requirements for minimum coverage. You can then purchase your policy online in just a few minutes and receive your insurance certificate, which you can present at your visa appointment.
Can I purchase Schengen travel insurance after booking my trip?
Yes, you can purchase Schengen travel insurance even after booking flights or accommodation, and often even shortly before your departure. However, for visa applicants it is crucial to arrange your insurance before your embassy appointment, as proof of insurance is required for the visa to be granted. Always make sure coverage starts from your arrival in Schengen.
How do I make a claim?
To make a claim, contact your insurer’s emergency assistance line for guidance. Prepare your insurance certificate, travel documents, and any medical or expense receipts. Most insurers offer online claim forms and 24/7 support. It is important to notify the insurer as soon as possible after an incident and to keep copies of all supporting paperwork.
Does Schengen travel insurance cover COVID-19 treatment?
Many Schengen insurance providers now include coverage for COVID-19 related medical expenses, testing, and even quarantine costs when required. It is important to read the product disclosure statement carefully, as the level of pandemic cover and exclusions may vary between insurers. Always confirm COVID-19 coverage before purchasing your policy.
