Schengen travel insurance

If you’re planning a trip to any of the 26 countries in the Schengen area and you aren’t a UK citizen, you’ll probably need a Schengen visa. You’ll also need travel insurance.

If you’re planning a trip to any of the 26 countries in the Schengen area and you aren’t a UK citizen, you’ll probably need a Schengen visa. You’ll also need travel insurance.

Coronavirus (COVID-19) update: please check the latest government travel advice that sets out what you need to do, if anything, before you travel abroad and before you return home. You should also check the latest travel advice and entry requirements for each country you visit or transit through. Travel rules can change at short notice, so check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

Josh Daniels
Travel Insurance expert
minute read
Do you know someone who could benefit from this article?
Posted 23 DECEMBER 2O2O

Customers with more serious pre-existing medical conditions

If you have a serious health condition, the price you pay for travel insurance is likely to be more expensive. However, there are still many providers out there and you should be able to find affordable cover. Whatever happens, don’t be tempted to lie to an insurance provider, because if you do and then need to make a claim, it could be rejected.

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions.

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

What is Schengen travel insurance?

The Schengen Area is a group of countries where EU citizens and others can travel without border checks. Schengen travel insurance gives non-EU citizens travel and medical cover for all 26 Schengen countries.

Here’s a full list of Schengen countries:

Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland.

The UK isn’t part of the Schengen agreement. Neither are Bulgaria, Croatia, Cyprus, Ireland and Romania.

When do I need Schengen travel insurance to travel in Europe?

If you’re not an EU national, then in many cases you’ll need a valid visa and travel insurance to travel in Europe. The European Commission website has a full list of who needs a Schengen visa.

Comprehensive travel insurance is essential for anyone applying for a Schengen visa, according to EU law. Citizens of some non-EU countries don’t need a Schengen visa, but they might need a visa for the countries they want to visit.

At the moment, UK citizens can travel to all countries in the Schengen area without a visa. However, this may change when the Brexit transition period ends on 31 December 2020.

But although travel insurance isn’t a legal requirement for UK citizens travelling to the Schengen area, it may make sense to have it. It can help to ensure you’re fully covered for medical emergencies, as well as covering your belongings and any disruption to your holiday. Read more about travel insurance for Europe.

How do I apply for a Schengen travel visa?

You’ll need:

  • A completed visa application
  • A valid passport
  • Two identical passport photographs
  • Details of your travel itinerary
  • Travel insurance covering up to €30,000 of medical costs

Some countries may have different requirements for Schengen visas, so it’s always worth double checking with the embassy of the country or countries you’re planning to visit before setting of.

What does Schengen travel insurance usually cover?

Schengen travel insurance should give you basic cover for all 26 Schengen countries, including:

  • Medical cover – to qualify for a Schengen visa, travellers must be covered for medical costs up to €30,000
  • Lost, stolen or damaged luggage and passports – covering you for any damage to your personal belongings or travel documents
  • Cancellations and delays – so if your holiday is cancelled, delayed or shortened, you can claim for some expenses
  • Repatriation – can cover the costs of getting you home if there are problems with your airline, or you need special travel arrangements due to a medical emergency

What won’t be included in my travel insurance policy?

A standard insurance policy will cover you for many types of claims, but there might be some exceptions. Here are few things that may not be included in your cover:

  • Pre-existing medical conditions If you don’t tell your insurance provider about a pre-existing condition like asthma or diabetes, you’re unlikely to be able to make a claim relating it while you’re away.
  • Injuries or accidents from high-risk activities If you’re planning on booking adventure activities, like water sports, mountain biking or skiing. while you’re away, you may want to think about getting adventure travel insurance. It’s always better to play it safe.

How much does Schengen travel insurance cost?

The cost of travel insurance to the Schengen area depends on a number of things, including your age, where you’re going, how long you’re staying and how much cover you want.

Ready to kickstart your European adventure? Start comparing travel insurance with Compare the Market and get a quote in minutes.

Looking for a quote?

Get a new travel insurance quote in minutes and you could start saving.

Get a quote
Compare travel insurance Get a quote