Your Trip Details
 ExtendedExtended coverage throughout Europe from62 EUR for 30 DAYS |  BasicBasic coverage throughout Europe from20 EUR for 30 DAYS |
| Schengen Visa eligible | Yes | Yes |
|---|
| Country Coverage | All Schengen Area Countries Schengen Area Countries + 14 Additional Countries | All Schengen Area Countries Schengen Area Countries + 14 Additional Countries |
|---|---|---|
| Schengen Countires | 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, Croatia. | 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, Croatia. |
| Additional Countries | Albania, Andorra, Belarus, Bosnia and Herzegovina, Moldova, Monaco, Montenegro, North Macedonia, San Marino, Serbia, Ukraine, Vatican City, United Kingdom | Albania, Andorra, Belarus, Bosnia and Herzegovina, Moldova, Monaco, Montenegro, North Macedonia, San Marino, Serbia, Ukraine, Vatican City, United Kingdom |
| Emergency Medical Expenses | €150 000 | €60 000 |
|---|---|---|
| Examinations | Yes | Yes |
| Medical Consultations | Yes | Yes |
| Hospitalization | Yes | Yes |
| Medical Supplies | Yes | Yes |
| Dental Treatment | €400 | €200 |
| Transport to/between/from a Medical Facility | Yes | Yes |
| Rescue Services | Yes | Yes |
| Assistance, repatriation or transportation | Yes | Yes |
|---|---|---|
| Transport to the Country of Permanent Residence (Repatriation) | Yes | Yes |
| Extended Stay | 100 / day | 50 / day |
| Transport of Remains and Coffin Purchase | Yes | Yes |
| Transport and Stay of a Close Person Called to Accompany a Minor | Transport – up to the insured sumAccommodation – 100 EUR/night | Transport – up to the insured sum Accommodation – 50 EUR/night |
| Stay of a Person Called to the Insured | Transport – up to the insured sumAccommodation – 100 EUR/night | Transport – up to the insured sum Accommodation – 50 EUR/night |
| 24/7 Telephone Assistance | Yes | Yes |
| Lost Lagguage | €500 | - |
|---|---|---|
| Elektronika, sprzęt sportowy | €250 | - |
| Liability insurance | €80 000 | - |
|---|---|---|
| Szkody rzeczowe | €40 000 | - |
ExtendedExtended coverage throughout Europe from62 EUR for 30 DAYS |
| Schengen Visa eligible Yes |
|---|
| Country Coverage All Schengen Area Countries Schengen Area Countries + 14 Additional Countries |
|---|
| Schengen Countires 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, Croatia. |
| Additional Countries Albania, Andorra, Belarus, Bosnia and Herzegovina, Moldova, Monaco, Montenegro, North Macedonia, San Marino, Serbia, Ukraine, Vatican City, United Kingdom |
| Emergency Medical Expenses €150 000 |
|---|
| Examinations Yes |
| Medical Consultations Yes |
| Hospitalization Yes |
| Medical Supplies Yes |
| Dental Treatment €400 |
| Transport to/between/from a Medical Facility Yes |
| Rescue Services Yes |
| Assistance, repatriation or transportation Yes |
|---|
| Transport to the Country of Permanent Residence (Repatriation) Yes |
| Extended Stay 100 / day |
| Transport of Remains and Coffin Purchase Yes |
| Transport and Stay of a Close Person Called to Accompany a Minor Transport – up to the insured sumAccommodation – 100 EUR/night |
| Stay of a Person Called to the Insured Transport – up to the insured sumAccommodation – 100 EUR/night |
| 24/7 Telephone Assistance Yes |
| Lost Lagguage €500 |
|---|
| Elektronika, sprzęt sportowy €250 |
| Liability insurance €80 000 |
|---|
| Szkody rzeczowe €40 000 |
BasicBasic coverage throughout Europe from20 EUR for 30 DAYS |
| Schengen Visa eligible Yes |
|---|
| Country Coverage All Schengen Area Countries Schengen Area Countries + 14 Additional Countries |
|---|
| Schengen Countires 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, Croatia. |
| Additional Countries Albania, Andorra, Belarus, Bosnia and Herzegovina, Moldova, Monaco, Montenegro, North Macedonia, San Marino, Serbia, Ukraine, Vatican City, United Kingdom |
| Emergency Medical Expenses €60 000 |
|---|
| Examinations Yes |
| Medical Consultations Yes |
| Hospitalization Yes |
| Medical Supplies Yes |
| Dental Treatment €200 |
| Transport to/between/from a Medical Facility Yes |
| Rescue Services Yes |
| Assistance, repatriation or transportation Yes |
|---|
| Transport to the Country of Permanent Residence (Repatriation) Yes |
| Extended Stay 50 / day |
| Transport of Remains and Coffin Purchase Yes |
| Transport and Stay of a Close Person Called to Accompany a Minor Transport – up to the insured sumAccommodation – 50 EUR/night |
| Stay of a Person Called to the Insured Transport – up to the insured sumAccommodation – 50 EUR/night |
| 24/7 Telephone Assistance Yes |
| Lost Lagguage - |
|---|
| Elektronika, sprzęt sportowy - |
| Liability insurance - |
|---|
| Szkody rzeczowe - |
Insurance That Fulfills Schengen Visa Criteria
Min. Coverage Amount:
The insurance must provide coverage of at least €30,000 (EUR) (or its equivalent in local currency) for medical expenses.
Coverage Area:
The insurance must be valid throughout all Schengen Area countries, regardless of the country being visited.
Validity Period:
The policy must cover the entire duration of stay in the Schengen Area, as specified in the visa application.
Repatriation Costs:
It must cover costs related to repatriation to the home country in the event of illness, injury, or death.
Medical Expenses:
It must cover any medical emergencies, incl.:
– Emergency hospital treatment
– Urgent medical treatment
– Repatriation for medical reasons (incl. death)
– Accidents and emergency healthcare
Country Coverage
Schengen countries:
Additional countries:
Submit a claim
If you are still at your destination and need immediate medical assistance please contact NGS helpline on +44 (0) 234 183 8910. The NGS cannot assist with travel disruption.
If you have returned home and need to make an out-of-pocket claim please contact Schengen Protect Insurance Claim department via claims@schengenprotect.com
Frequently Asked Question
Yes. Our policies cover emergency medical costs related to Coronavirus (COVID-19) during your trip, provided the illness is unexpected and occurs while the policy is active. This includes medically necessary treatment, hospitalisation, and related emergency care in line with Schengen visa insurance requirements. Coverage applies subject to the policy terms, limits, and exclusions, and does not include routine testing, quarantine costs, or treatment for pre-existing conditions unless explicitly stated in your policy documentation.
If you are still at your destination and need immediate medical assistance please contact NGS helpline on +44 (0) 234 183 8910. The NGS cannot assist with travel disruption.
If you have returned home and need to make an out-of-pocket claim please contact Schengen Protect Insurance Claim department via claims@schengenprotect.com
The embassy states that I must get an insurance certificate with Covid protection. Is this possible?
Yes, it is possible.
You can obtain a Schengen-compliant insurance certificate that explicitly includes COVID-19 coverage for emergency medical treatment. The certificate can be issued showing that Coronavirus-related emergency medical costs are covered, which satisfies embassy requirements for visa applications. Coverage is provided in line with policy terms and limits, and the certificate is suitable for submission with your visa documents.
Schengen visa insurance is a specific travel medical insurance policy that meets the official requirements for a Schengen visa application. It must cover emergency medical expenses, hospitalization, repatriation, and be valid throughout all Schengen countries for the entire duration of your stay.
You need travel insurance to visit Europe because it is a mandatory requirement for a Schengen visa and an important safeguard during your trip.
Travel insurance ensures you are financially protected if you need emergency medical treatment, hospitalisation, or medical repatriation while in Europe. Healthcare costs in many European countries can be very high for non-residents, and without insurance you would be responsible for paying these expenses yourself.
From the embassy’s perspective, travel insurance demonstrates that you will not become a financial burden on the host country if an unexpected medical situation occurs. For this reason, Schengen authorities require visitors to have insurance that meets specific criteria, including minimum medical coverage, validity across all Schengen countries, and coverage for the entire duration of the stay.
In short, travel insurance is required to protect both you and the destination country, and having a compliant policy is essential for a smooth Schengen visa application and a safer trip to Europe.
No.
Getting travel insurance is mandatory, but it does not guarantee that you will receive a Schengen visa. A Schengen visa decision is based on your entire application, including your purpose of travel, proof of accommodation, financial means, travel history, and intention to return to your home country. Travel insurance is only one of the required documents.
However, having Schengen-compliant travel insurance is essential. If your insurance does not meet the official requirements, your application may be rejected automatically, regardless of how strong the rest of your documents are. Proper insurance ensures your application is complete and avoids refusals due to technical or documentation issues.
Yes. If you are applying for a Schengen visa, one of the mandatory documents you must submit with your application is valid Schengen travel insurance that meets the criteria set by Schengen authorities. Without it, your visa application may be rejected.
A Schengen visa insurance policy must include at least the following:
✔ Emergency medical care and treatment
✔ Hospitalization
✔ Medical evacuation and repatriation
✔ Repatriation of remains (in the unfortunate event of death)
✔ Coverage across all Schengen countries
✔ Coverage for the entire trip duration
Minimum medical coverage should be €30,000 (or equivalent).
You must obtain a policy that provides at least €30,000 (or equivalent) of medical coverage. This amount is the minimum required to ensure adequate financial protection for emergency healthcare, hospitalization, and repatriation within the Schengen Area.
Yes. Even if you plan to visit only one or a few Schengen countries, your policy must be valid in all Schengen Area countries. This is a strict requirement for visa approval.
No. While compliant insurance is mandatory, it does not guarantee visa approval. Your application still needs to meet all other requirements such as proof of accommodation, finances, flight itinerary, and passport validity.