Popular frequently asked questions about Europe travel medical insurance coverage and Schengen visa health insurance letter

Frequently asked questions - Schengen Visa Insurance

Why do I need Schengen Travel Insurance?

According to the Schengen agreement 26 Western European countries that belong to the Schengen area have decided on a common visa to allow visitors to these countries. In order to travel to these countries, it is mandatory to be have a Schengen visa travel insurance as mandated by Schengen rules. Therefore travelers will not be able to visit a Schengen country unless they have a valid travel insurance policy which satisfies Schengen regulations.

The following are insurance requirements for the Schengen visa:

  1. 30,000 Euros worth of medical coverage.
  2. Coverage for repatriation.
  3. Coverage for emergency medical evacuation.
  4. Insurance company to have an office in Europe

The cost of Schengen visa travel insurance depends on several factors. The aim factor is the age of the traveller and the duration of the trip. The risk of expenses is directly proportional to the age of the traveller, and hence results in a higher expense. Similarly the longer the stay overseas the greater the risk involved and hence the greater the cost of the insurance. The insurance cost is also directly proportional to the medical maximum coverage provided.

The details and procedure to get the Schengen visa insurance letter is as follows:

  • One of the requirements for the Schengen visa is to have specific travel medical insurance.
  • We compare reputed Schengen visa insurance plans to give our customers a choice among popular plans.
  • The traveler should provide relevant details like the traveler’s age and travel dates to compare different insurance quotes.
  • Along with the price, customers can compare benefit details.
  • The customer should choose the Schengen visa insurance plan that he/she likes and click on the 'Buy' button.
  • The customer can now complete the travel insurance application form online and buy it using a credit card.
  • On completing the online transaction, the Schengen visa insurance will be emailed to the customer.
  • The customer can now download the Schengen visa letter as required by the Schengen country consulates.
  • This visa insurance letter is to be provided along with the Schengen visa application to the relevant European country consulate.

Yes, if you are travelling to any of the Schengen countries. Without adequate travel medical insurance, you will not be issued a Schengen visa. While all Schengen countries are in Europe, not all of the European Union nations come under the ambit of Schengen regulations. For example, the United Kingdom and Ireland are two nations not within the Schengen regulations. However, considering the high cost of health care in Europe, and the security that a travel insurance plan provides, it is strongly recommended to buy adequate travel medical insurance while visiting Europe.

The following are the long term (more than 90 days stay) Europe Travel insurance requirements:

  1. 30,000 euros medical coverage
  2. Valid visa for the full period of stay
  3. Repatriation coverage
  4. Emergency medical evacuation coverage

Yes as long as the insurance plan has not started.

Deductible is a means of cost-sharing, which makes the customer responsible for a limited initial amount of the expense before the insurance company pays for the expense. This is a means to reduce frivolous claims by customers and for the customer to realise that he/she is a co-owner of the plan and take responsibility for reducing possible expenses.


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Suite 104, Route 73 Marlton, NJ 08053



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Europe Schengen Visa is developed and maintained by Crossborder Services LLC. Crossborder Services LLC is incorporated in New Jersey, USA and works with the prominent insurance providers who offer Europe Travel medical insurance with a focus on international travelers visiting Europe.

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