Schengen Travel Insurance — Mandatory Cover & Best Policies

Travel insurance is MANDATORY for Schengen visa. Minimum cover: €30,000 (medical emergencies, repatriation). Must cover entire Schengen area and your full travel duration. No insurance = instant rejection.

At a Glance

Document: Travel Insurance
For: Schengen
Visa Type: Tourist / Business
Mistakes: 5 to avoid

Why It Matters Format & Rules Sample / Template Do's & Don'ts Common Mistakes FAQs

Why This Document Matters

Schengen Visa Code requires travel insurance with medical cover of at least €30,000. Without it, the visa WILL be refused — no exceptions. Insurance protects EU healthcare systems from unpaid bills.

Format & Requirements

Policy certificate (PDF) clearly stating: coverage amount (minimum €30,000), countries covered (all Schengen), dates covered (entire visit + 1 extra day), insurance provider name, policy number, and coverage details.

Sample / Template

Customize before submitting

sample-travel-insurance-schengen-visa.pdf

Recommended Travel Insurance Providers for Schengen (India): 1. Tata AIG Travel Guard — ₹1,500-3,000 for 10-day trip 2. Bajaj Allianz — ₹1,200-2,500 for 10-day trip 3. HDFC ERGO Travel Shield — ₹1,400-2,800 4. ICICI Lombard — ₹1,500-2,500 5. Reliance Travel Care — ₹1,000-2,000 Required Features (check before buying): • Coverage amount: Minimum €30,000 (aim for €50,000+ for peace of mind) • Countries covered: ALL 26 Schengen countries • Repatriation cover: ESSENTIAL • Emergency medical: Included • Lost baggage: Recommended • Flight delay: Recommended Process: 1. Buy policy ONLY after getting visa approval OR a date close to visa interview 2. Download PDF policy certificate 3. Submit certificate with visa application 4. If visa rejected, most insurers refund (keep receipt)

Do's and Don'ts

Do

✓Minimum €30,000 coverage (Schengen mandatory)
✓Cover dates = arrival to departure + 1 extra day
✓Include repatriation cover
✓Use known Indian insurers (Tata AIG, Bajaj Allianz, ICICI)
✓Keep receipt in case of refund
✓Include the original policy certificate

Don't

✕Don't skip — it's mandatory
✕Don't buy €30,000 for a longer trip (get €50,000+)
✕Don't use unknown international providers
✕Don't let it lapse before your return date
✕Don't buy at arrival — must be before visa is approved
✕Don't forget to update if you extend your trip

Common Mistakes That Cause Rejections

Coverage is €25,000 (below €30,000 Schengen minimum)

Insurance covers only medical but not repatriation

Dates don't cover full visit period

Submitting outdated policy from previous trip

Using no-name international insurer

Stop guessing. Get your travel insurance reviewed by experts.

We've prepared thousands of visa files. One mistake in your document can cost you a rejection.

Frequently Asked Questions

Do I need to submit travel insurance for Schengen visa?+

Yes. Schengen Visa Code requires travel insurance with medical cover of at least €30,000. Without it, the visa WILL be refused — no exceptions. Insurance protects EU healthcare systems from unpaid bills.

What is the correct format for travel insurance?+

What are common mistakes to avoid in travel insurance?+

Coverage is €25,000 (below €30,000 Schengen minimum) Insurance covers only medical but not repatriation Dates don't cover full visit period Submitting outdated policy from previous trip Using no-name international insurer

Can SureshotVisa help me prepare my travel insurance?+

Yes. Our experts review and prepare every document in your visa file — including travel insurance — to embassy standards. Book a free consultation to get started.