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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.

Reviewed by Rohit Gir, SureshotVisa — a government-licensed consultancy (Licence 849/DC/PTA/PLA/LC-3/2024). Verify us.

Sample / Template

Customize before submitting
sample-travel-insurance-schengen-visa.pdf
Getting a Schengen-compliant policy: Buy it directly from an IRDAI-regulated Indian insurer (Tata AIG, Bajaj Allianz, HDFC ERGO, ICICI Lombard, Reliance) — typically ₹1,200-3,000 for a 10-day trip. Where the mission keeps an approved-insurer list (for example Germany, Austria, Malta and Greece), pick a company on it. SureshotVisa does not sell travel insurance. What the certificate MUST show: €30,000 minimum, Schengen area, exact dates, repatriation, insurer name and policy number.
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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.

Need the whole Schengen file done, not just this travel insurance?

We prepare and file Schengen tourist / business applications from anywhere in India: documents, VFS slot, embassy filing, with published fees and one licensed office in Patiala. This travel insurance is one of the pieces we check before anything is submitted.

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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.

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

5 to avoid

  1. 1

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

  2. 2

    Insurance covers only medical but not repatriation

  3. 3

    Dates don't cover full visit period

  4. 4

    Submitting outdated policy from previous trip

  5. 5

    Using no-name international insurer

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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?

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.

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. Talk to us on WhatsApp to get started.

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A consultant at our licensed firm will check it against every point above — what is missing, whether the dates agree with the rest of your file, and whether the contact details would survive a verification call. If it is already fine, we will tell you that.

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Everything above costs you nothing, and you are welcome to it. What a template cannot do is read itself against the rest of your file — and that is where applications actually fail: a date that does not match the ticket, a salary that does not match the bank statement, a signatory the company cannot verify on a call. You are about to spend an embassy fee, a visa-centre fee and a trip on this application. Having a consultant at our licensed firm read the paperwork first costs a fraction of any one of them.

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