Planning a trip to Europe? That’s exciting! Before your trip starts, you must have a Travel Insurance for a Schengen visa, no matter your travel dreams like the Eiffel Tower in Paris, the gondolas in Venice, or the castles in Germany. And you know what? Travel Insurance is one of the most important requirements to get this visa. It covers unexpected medical emergencies, trip disruptions, and repatriation while you’re visiting any of the 27 Schengen countries like France, Germany, Italy, Spain, and more.
When applying for a Schengen visa, many people do not realize how important travel insurance is. Your application may be rejected without it. But don’t worry — getting the right travel insurance for Schengen visa is actually very simple and doesn’t take much time..
Why is Travel Insurance Mandatory for Schengen Visa
1. Emergency Medical Care Can Be Expensive
The quality of healthcare in Schengen nations is excellent, but it is expensive for visitors. By ensuring that you are covered for medical care, hospitalization, or accidents, travel insurance helps you avoid having to pay costly expenses out of pocket.
2. Schengen Authorities Regulate Visas
According to the Schengen Agreement, all individuals seeking a visa must possess:
- • $30,000 is the minimum coverage amount
- • Acceptable in every Schengen country
- • covers hospital stays, emergency medical costs, and repatriation.
- • Your visa application will be denied if you don’t have this.
3. Protection of Money Against Travel Delays
In addition to covering medical emergencies, travel insurance for Schengen Visa may protect you against:
- • Cancellations of flights
- • Baggage lost
- • Delays in travel
- • Loss or theft of personal property
This guarantees the embassy and you that you will be financially secure while traveling.
4. The return of people Is Essential
The expense of returning to India in the event of a serious incident can be costly. This is covered by Schengen travel insurance, meeting the embassy’s requirement that you never get stuck.
What Does Schengen Travel Insurance Cover?
Schengen travel insurance is designed to shield you against unforeseen costs associated with your trip, including sudden illness, accidents, trip cancellations, and misplaced luggage. It guarantees that you won’t have to deal with excessive medical expenses or travel delays in a foreign nation by yourself. Importantly, applicants must provide documentation of a policy with at least $30,000 in coverage for medical emergencies and repatriation, valid in all 27 Schengen countries. This insurance is a mandatory requirement in the Schengen visa application process. Your visa application may be rejected without it.
✅ Basic Coverage:
- • Hospitalization and emergency medical treatment
- • Medical evacuation or repatriation (going back to your home country)
- • Benefits for random death or injury
✅ Suggested optional extras:
- • Coverage of COVID-19
- • Delays or cancellations of trips
- • loss of a passport or bag
- • Individual responsibility
We assist you in comparing and choosing plans that best fit your requirements, preferred method of travel, and visa regulations when you apply through Rama Overseas.
Documents Required to Submit with Your Visa Application
The following is a basic list of the documents you will need to apply for a Travel Insurance for Schengen visa:
- ✅ Current Certificate of Travel Insurance Policy (covering up to $30,000)
- ✅ Completed Visa Application Form
- ✅ A passport that is valid for at least 6 months
- ✅ Reservations for round-trip flights
- ✅ Evidence of accommodation or hotel reservations
- ✅ cover letter outlining the reason for the visit
Rama Overseas Bonus Tip: Print two copies of your travel insurance certificate at all times, one for your visa file and one to keep with you when you travel.
How to Get Travel Insurance for Schengen Visa
Option 1: Buy Online Directly
Most travel insurance providers allow you to buy policies online instantly. Just visit the insurer’s official website, fill in your:
- • Full name (as per passport)
- • Travel dates (entry & exit from Schengen countries)
- • Destination (select Schengen countries)
- • Contact details
- • Recommend only Schengen-approved insurance providers
- • Fill in all your policy details accurately
- • Ensure your travel dates, destination, and coverage are correct
- • Send you a print-ready insurance document that can be directly submitted with your visa file
