The Best Schengen Travel Insurance Plans in 2025
- Insurance approved for the Schengen visa
- Immediate confirmation by email
- Refund requests directly online
- Refunds possible in a currency other than the euro
- Insurance approved for the Schengen visa
- Immediate confirmation by email
- Refund requests directly online
- Refunds possible in a currency other than the euro
The ACS - Europax offer provides coverage for medical expenses abroad up to €30,000 per insured person, with a deductible of €30, which is the same as AXA - Visa Schengen - Schengen Low Cost and Assur Travel - Impact Schengen - Essential, but lower than AXA - Visa Schengen - Schengen Europe Travel and Mondial Care - Visa Schengen - Option Premium, which offer up to €100,000. Regarding legal liability, ACS - Europax offers high coverage of €4,575,000, which far exceeds Mondial Care - Visa Schengen - Premium option, which covers up to €1,500,000. However, ACS - Europax does not offer cancellation insurance, unlike some competing offers that include this guarantee.
The price of ACS - Europax is €30.20, which is competitive compared to AXA - Visa Schengen - Schengen Low Cost at €55.00 and significantly cheaper than AXA - Visa Schengen - Schengen Europe Travel at €81.00. However, it is slightly lower than Mondial Care - Visa Schengen - Option Confort at €34.00.
The ACS - Europax offer is suitable for non-European travellers who need insurance that meets the requirements of the Schengen visa, with excellent coverage for medical emergencies and high liability coverage at a competitive price.
- Insurance accepted for a Schengen visa
- Refund if visa is refused (-€15)
- Immediate statement approved by consulates
- Repatriation guarantee after hospitalisation in your country of origin
- 24/7 Assistance
- Does not cover pre-existing conditions
- Insurance accepted for a Schengen visa
- Refund if visa is refused (-€15)
- Immediate statement approved by consulates
- Repatriation guarantee after hospitalisation in your country of origin
- 24/7 Assistance
The Chapka - Cap Schengen insurance provides coverage for medical expenses abroad up to €30,000 per insured person with a deductible of €80, which is standard compared to other offers like AVA Assurances - Ava Incoming Classic and Europ Assistance - Visa Schengen - Schengen. Medical repatriation is covered at actual cost, which offers premium coverage similar to Assur Travel - Impact Schengen - Essential and AVA Insurances - Ava Incoming Safe & Health. However, this offer does not cover trip cancellation, liability, loss or theft of luggage, or interruption of stay, making it less comprehensive than offers like ACS - Europax, which includes liability coverage up to €4,575,000 per insured person.
The price of Chapka - Cap Schengen insurance is €58.00, which is more expensive than competing offers such as Assur Travel - Impact Schengen - Essential at €37.00 and ACS - Europax at €30.20. On the other hand, it is cheaper than the AXA - Visa Schengen - Schengen Europe Travel insurance at €81.00.
This offer is suitable for non-European travellers planning a trip to the Schengen area, as it meets Schengen visa requirements with adequate coverage for medical expenses and medical repatriation.
- Insurance accepted for the Schengen visa
- Immediate confirmation by email
- 24/7 unlimited medical assistance by phone
- Insurance accepted for the Schengen visa
- Immediate confirmation by email
- 24/7 unlimited medical assistance by phone
Mondial Care - Visa Schengen - Option Confort offers solid guarantees for non-European travellers visiting the Schengen area, with a medical expenses ceiling abroad of €100,000, higher than ACS - Europax and Assur Travel - Impact Schengen - Essentiel which only offer €30,000. However, private liability insurance is covered up to €1,500,000, less than the €4,575,000 offered by ACS - Europax. Medical repatriation is covered without cost limit, similar to most other offers. However, the offer does not cover luggage, cancellation or interruption of stay, which may be a disadvantage for some travellers.
The price of Mondial Care - Visa Schengen - Option Confort is €34.00, which is competitive compared to other offers such as Assur Travel - Impact Schengen - Premium for €44.00 and AXA - Visa Schengen - Schengen Europe Travel for €81.00, although slightly more expensive than ACS - Europax for €30.20.
This offer is well suited for the non-European traveller who needs high medical cover and adequate liability insurance for a three-week stay in the Schengen area.
- Insurance accepted for Schengen visa
- Immediate certificate approved by consulates
- €3,000 legal assistance
- 24/7 unlimited telephone medical advice
- Insurance accepted for Schengen visa
- Immediate certificate approved by consulates
- €3,000 legal assistance
- 24/7 unlimited telephone medical advice
Mondial Care - Visa Schengen - Premium option offers coverage for medical expenses abroad of €100,000 per insured person, which is higher than the €30,000 of ACS - Europax and equivalent to AXA - Visa Schengen - Schengen Europe Travel. Regarding legal liability, it offers coverage of €1,500,000, less than the €4,575,000 offered by ACS - Europax, but more than most other competitors who do not cover this guarantee. Medical repatriation is covered against actual costs, a standard among premium offers. However, guarantees such as cancellation and baggage cover are lacking, unlike Chapka - Cap Academy, which covers baggage up to €3,000.
The price of Mondial Care - Visa Schengen - Premium option is €47.00, which is competitive compared to Assur Travel - Impact Schengen - Summum at €48.00 and significantly cheaper than AXA - Visa Schengen - Schengen Europe Travel at €81.00. However, it is more expensive than Mondial Care - Visa Schengen - Option Confort at €34.00 and ACS - Europax at €30.20.
This offer is suitable for non-European citizens travelling in the Schengen area, as it meets the requirements for a Schengen visa and provides adequate medical cover and liability cover.
- Insurance accepted for the Schengen visa
- Refund in case of visa refusal (-€15)
- Immediate certificate approved by the consulates
- 24/7 repatriation assistance
- Insurance accepted for the Schengen visa
- Refund in case of visa refusal (-€15)
- Immediate certificate approved by the consulates
- 24/7 repatriation assistance
Chapka - Cap Europa provides coverage for medical expenses abroad up to €70,000 per insured, with a deductible of €80, which is lower than ACS - Globe Partner and Mondial Care - World Travel which offer €300,000 and €300,000 respectively, without any deductible for the first and €50 for the second. Regarding medical repatriation, Chapka - Cap Europa covers the actual costs, similar to ACS - Globe Traveller and Mondial Care - World Travel. However, Chapka - Cap Europa does not cover luggage, unlike ACS - Globe Traveller which offers coverage of €2,000 per claim, and Mondial Care - World Travel which offers €1,000. Furthermore, cancellation insurance is not covered by Chapka - Cap Europa, while ACS - Globe Traveller provides coverage up to €9,000 per insured.
Chapka - Cap Europa is suitable for travellers journeying around the world for a year who prioritise medical coverage and repatriation, but they may encounter limitations due to the absence of coverage for luggage and cancellation.
- The best Schengen travel insurance plans
- What exactly is Schengen travel insurance?
- The price of Schengen travel insurance
- What does Schengen travel insurance cover?
- The conditions for Schengen travel insurance
- Why take out Schengen travel insurance?
- How to choose the right Schengen travel insurance
- Do my current insurance policies cover Schengen travel insurance?
- FAQ
Schengen travel insurance: key takeaways
1. Definition: Schengen travel insurance is mandatory medical cover required for UK nationals applying for a Schengen visa.
2. Price: For a one-week trip from the UK, basic Schengen insurance typically costs between £15 and £25.
3. Coverage: It covers emergency medical care and repatriation but usually excludes pre-existing conditions and non-urgent treatments.
4. Bank cards and health insurances: Your bank card, NHS, or GHIC cover is insufficient for Schengen visa insurance requirements.
5. Tips: Ensure your policy explicitly states Schengen compliance and provides the minimum €30,000 medical cover required.
6. Other useful info: Post-Brexit, this insurance is vital as the GHIC only provides limited reciprocal state healthcare access.
Why trust HelloSafe ?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analysing 41 travel insurance policies available in the UK, our experts share everything you need to know to choose the best Schengen travel insurance.
The best Schengen travel insurance plans
Here is a selection of the best Schengen travel insurance plans available for UK residents in 2025. These policies are among the best for their high coverage limits, low deductibles and simplified conditions, making them especially suitable for Schengen visa requirements.
| Contract we recommend | Medical reimbursement | Deductible | Advantages |
|---|---|---|---|
| HelloTravel Premium | £83,000 | £0 | • Covers cancellation for any reason. • Includes lost baggage protection. • 24/7 English-speaking support. • Easy claim process and instant documentation. |
| Cap Assistance 24/24 | £83,000 | £0 | • Medical teleconsultation included. • 24/7 claims assistance. • No age-based premium changes. • Recognised for Schengen visa. |
| Tourist Card | £41,500 | £42 | • Fast online claim processing. • Emergency dental covered. • Medical evacuation included. • Flexible for families and groups. |
| World Travel | £66,500 | £25 | • Direct hospital billing. • Sports and adventure activity covered. • Extended COVID-19 protection. • 24/7 multilingual support. |
| Globe Partner | £25,000 | £0 | • Best for short trips. • Immediate certificate delivery. • Claim tracking online. • Visa compliant. |
| Globe Traveller | £41,500 | £0 | • Long stay coverage up to 12 months. • Stable pricing for older travellers. • Worldwide repatriation. • English-speaking customer service. |
• Includes lost baggage protection.
• 24/7 English-speaking support.
• Easy claim process and instant documentation.
• 24/7 claims assistance.
• No age-based premium changes.
• Recognised for Schengen visa.
• Emergency dental covered.
• Medical evacuation included.
• Flexible for families and groups.
• Sports and adventure activity covered.
• Extended COVID-19 protection.
• 24/7 multilingual support.
• Immediate certificate delivery.
• Claim tracking online.
• Visa compliant.
• Stable pricing for older travellers.
• Worldwide repatriation.
• English-speaking customer service.
The best Schengen travel insurance depends on your personal circumstances. We invite you to use HelloSafe’s travel insurance comparison tool to find the plan suited to you and subscribe directly online.
Compare the best travel insurance for freeI compareWhat exactly is Schengen travel insurance?
Schengen travel insurance is a mandatory insurance policy for anyone applying for a Schengen visa to visit the 27 countries in the Schengen Area.
It must provide at least €30,000 (about £25,000) of cover for emergency medical expenses and repatriation.
The policy must be valid throughout the whole Schengen territory and for the full duration of your stay.
Schengen travel insurance is sometimes called Europe travel insurance, and it differs from standard cover due to strict legal, geographical and minimum coverage criteria.
Expert advice
Here are the situations where taking out Schengen travel insurance is especially important for UK travellers:
- When applying for a Schengen visa from the UK.
- Your UK GHIC does not cover all medical costs or repatriation.
- If you have any pre-existing medical conditions to declare.
- For trips involving adventure sports like skiing or hiking.
- To cover expensive emergency medical repatriation back to the UK.
- When travelling with children or elderly family members.
- If visiting remote areas with limited state healthcare access.
The price of Schengen travel insurance
On average, Schengen travel insurance costs between 2% and 4% of the total price of your trip.
| Trip | Trip cost | Indicative price per person |
|---|---|---|
| 7 days in Paris (France) | £600 | £15 to £25 |
| 14 days in Rome and Barcelona | £1,200 | £40 to £65 |
| 30 days family holiday: Berlin, Vienna, Prague | £2,500 | £80 to £120 |
| 90-day backpacking across Schengen countries | £2,000 | £60 to £95 |
These prices are provided as an indication and may vary depending on the type of plan chosen (standard or premium) and the specific conditions of each insurer.
The price of your Schengen travel insurance depends on several factors:
- trip duration: longer trips require a higher premium.
- traveller’s age: older travellers tend to pay more, especially above 65.
- level of coverage: higher medical limits and extra benefits increase the cost.
- pre-existing medical conditions: declaring these may increase the price.
- selected options: cover for winter sports, adventure activities or additional baggage raise the premium.
What does Schengen travel insurance cover?
Schengen travel insurance is a specific type of cover required for UK residents and other non-EU nationals visiting the Schengen Area.
It is mandatory for obtaining a Schengen visa and must cover all Schengen countries for the entire stay.
| Covered guarantee | Definition | Expert advice |
|---|---|---|
| 🏥 Emergency medical expenses | Key guarantee. Pays for urgent medical care in case of illness or injury within Schengen countries. | 🔴 Required for Schengen visa. At least £25,000 (ideally £30,000+) with a maximum deductible of £0 to £50. Pre-existing conditions and routine care are excluded. |
| 🚑 Medical repatriation | Key guarantee. Pays for medically necessary transport back to the UK or your home country. | 🔴 Required for Schengen visa. Unlimited cover recommended, but Schengen minimum is £25,000. Voluntary repatriation and non-medical evacuation are excluded. |
| 🦷 Emergency dental treatment | Covers urgent dental care for pain relief during your trip in the Schengen Area. | Minimum £200 is advisable, with deductible under £30. Routine, planned, and orthodontic treatment is not included. |
| 👨⚕️ Hospital daily allowance | Pays a daily sum if you are admitted to hospital during your trip. | At least £25 per day is typical, with no deductible. Outpatient and short-stay admissions are excluded. |
| ✈️ Trip cancellation | Refunds your costs if you must cancel your trip for a covered reason before departure. | At least £1,000 recommended, deductible should not exceed £50. Change of mind, work absence, or non-documented reasons are excluded. |
| 🧳 Baggage loss or delay | Covers loss, theft, or significant delay of luggage during transport in Schengen countries. | £500 minimum per traveller, deductible below £30. Valuable items and business equipment, as well as unattended baggage, are commonly excluded. |
| 🪪 Personal liability abroad | Pays if you accidentally injure a third party or damage their property during your trip. | At least £500,000 is recommended, with deductible under £100. Professional activities, car use, and family member claims are not insured. |
| ⚖️ Legal assistance abroad | Pays legal fees or bail if you need legal support in a Schengen country. | £10,000 legal costs and £20,000 bail as a minimum. Criminal cases, business disputes, and court fines are excluded. |
At least £25,000 (ideally £30,000+) with a maximum deductible of £0 to £50.
Pre-existing conditions and routine care are excluded.
Unlimited cover recommended, but Schengen minimum is £25,000.
Voluntary repatriation and non-medical evacuation are excluded.
Routine, planned, and orthodontic treatment is not included.
Outpatient and short-stay admissions are excluded.
Change of mind, work absence, or non-documented reasons are excluded.
Valuable items and business equipment, as well as unattended baggage, are commonly excluded.
Professional activities, car use, and family member claims are not insured.
Criminal cases, business disputes, and court fines are excluded.
Reimbursement limits vary depending on the insurer and the plan selected (eco, standard, premium). They must always be checked in the general terms and conditions.
To find the Schengen travel insurance best suited to your trip and visa needs, compare offers on HelloSafe.
The conditions for Schengen travel insurance
To activate your Schengen travel insurance and ensure it is valid for visa and entry purposes, several key requirements must be met.
- Timing of subscription: you must purchase your Schengen insurance before your departure from the UK, not after entering the Schengen area.
- Visa-compliant coverage: the policy must provide at least €30,000 (about £25,000) for emergency medical expenses and repatriation.
- Full territorial coverage: your insurance must cover all 27 countries in the Schengen area for the entire duration of your stay.
- Policy certificate: you must be able to provide an insurance certificate in English for your visa application and to border officials.
- No ongoing travel: you must not already be in a Schengen country when taking out the insurance; cover applies only when purchased in advance.
- Trip duration compliance: your insurance must clearly state the exact dates of coverage, matching your visa period and itinerary.
- Pre-existing conditions: you must declare any ongoing medical issues, as standard Schengen policies often do not cover them without written acceptance.
- Incident reporting: in case of illness or accident, you must contact the insurer as soon as possible and provide any required documentation.
Watch out!
A common pitfall for UK travellers is assuming their Global Health Insurance Card (GHIC) is sufficient. While it provides state healthcare access, it doesn't cover repatriation or meet the mandatory €30,000 medical coverage required for a Schengen visa. Separate, compliant travel insurance is essential.
Why take out Schengen travel insurance?
Schengen travel insurance is mandatory for obtaining a Schengen visa. It must cover at least £25,000 for emergency medical and repatriation costs.
Travel in Europe can involve many unexpected medical and logistical risks that may quickly result in high personal expenses.
Here are some examples of healthcare costs abroad:
| Type of treatment | Average cost in the Schengen Area | Covered by insurance |
|---|---|---|
| Foot sprain (X-ray and consultation) | £150-300 | Up to £25,000, 100% of covered costs |
| Stitches after a fall | £200-400 | Up to £25,000, 100% of covered costs |
| Consultation and treatment for an intestinal infection | £100-250 | Up to £25,000, 100% of covered costs |
| Emergency tooth extraction | £150-350 | Up to £340, typically subject to dental limits |
| Medical repatriation to the UK | £15,000-50,000 | Up to £25,000, 100% of covered costs |
Coverage varies greatly depending on the plan chosen (standard or premium) and the insurer. Refer to the general conditions and always compare with tools like HelloSafe.
Schengen travel insurance also often provides essential protection beyond health risks: trip cancellation, lost or delayed baggage, personal liability, legal assistance, and 24/7 emergency support services that can be necessary for peace of mind during European visits.
Good to know
It's simple: Schengen insurance is mandatory for many UK travellers' visa applications. Your GHIC won't cover everything, like repatriation costing over £25,000. A policy from an insurer like Chapka provides essential financial protection, ensuring your trip isn't ruined by unexpected medical bills.
How to choose the right Schengen travel insurance
Schengen travel insurance policies can differ widely in coverage, limits, and eligibility. It is crucial to compare the details of each plan carefully to make sure you meet visa requirements and get the cover that matches your travel plans.
| Criterion | Why it matters | Expert tip |
|---|---|---|
| 💶 Reimbursement limits | Schengen visa requires minimum €30,000 (£25,000) for emergency medical and repatriation. | Always select a policy that states medical and repatriation cover of at least €30,000. |
| 📉 Deductible | Higher deductibles mean more out-of-pocket costs in an emergency. | Prefer policies with low or zero deductible, especially for emergency medical expenses. |
| 📋 Policy conditions | Policies must meet strict visa requirements and state Schengen compliance. | Ensure your insurer provides proof of Schengen compliance on the insurance certificate. |
| 👵 Traveller’s age | Certain age groups may face higher premiums or extra paperwork. | If you are over 65, check for age limits or required health declarations before applying. |
| 👨👩👧 Traveller profile | Coverage can vary for individuals, couples, or families. | Families should consider group plans that provide identical cover for all members. |
| 📆 Trip duration | Insurance must cover your whole Schengen stay, from entry to exit. | Select a policy active for the exact length of your visa or planned stay. |
| 🛡️ Existing coverage | Bank cards or UK health cover rarely meet Schengen legal requirements. | Do not rely only on bank card or public insurance – you need explicit Schengen-compliant cover. |
| 🏂 Planned activities | Some activities like skiing may be excluded unless added as extra. | Declare any activities and purchase winter sports cover if needed for your destination. |
| 🖥️ Online subscription | Fast policy issue is essential for visa applications and proof at the border. | Choose an insurer that offers instant policy certificates and digital documentation. |
Do my current insurance policies cover Schengen travel insurance?
It is legitimate to wonder if your current insurances, such as credit card insurance or the public health system, can offer you a Schengen travel insurance, but unfortunately it is often not enough.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Schengen travel insurance included? | What it covers | Why travel insurance is better |
|---|---|---|---|
| NHS (National Health Service) | Never | Emergency care in the EU with EHIC or GHIC, coverage varies, no repatriation, no guarantee for all Schengen territories. No compulsory medical minimum, no repatriation, no visa guarantee, or baggage for Schengen requirements. | Travel insurance meets all Schengen requirements with medical and repatriation up to £100,000. |
| Private health insurance (Bupa, AXA PPP Healthcare) | Almost Never | Medical expenses up to £1,000,000 abroad, some repatriation cover, strict conditions, no visa compliance certificate. No visa-ready documentation, less focus on repatriation, baggage, or cancellation for a Schengen visa. | Travel insurance provides visa documents, emergency care, and repatriation exceeding £50,000 as required. |
| Classic credit card (Barclaycard, Santander) | Never | Sometimes basic medical for travel, rarely higher than £2,000, excludes Schengen-specific certification. No certification, insufficient medical and repatriation limits for a Schengen visa, or emergency documents. | Travel insurance guarantees visa-approved medical and repatriation, typically up to £100,000. |
| Premium credit card (HSBC Premier, NatWest Black) | Limited coverage | Medical or baggage sometimes covered, but medical rarely above £15,000, Schengen-specific paperwork not provided. No certified protection, incomplete cover for visa issue, or border entry to all Schengen countries. | Travel insurance includes legal visa paperwork and medical cover, often up to £100,000 and accepted at embassies. |
No compulsory medical minimum, no repatriation, no visa guarantee, or baggage for Schengen requirements.
No visa-ready documentation, less focus on repatriation, baggage, or cancellation for a Schengen visa.
No certification, insufficient medical and repatriation limits for a Schengen visa, or emergency documents.
No certified protection, incomplete cover for visa issue, or border entry to all Schengen countries.
Expert advice
Bank cards and health insurance often exclude key events like trip interruption due to a relative's illness. Always read the small print to avoid nasty surprises abroad. In all cases, it is safer and more reassuring to subscribe to a dedicated travel insurance policy tailored to your trip.
FAQ
Is Schengen travel insurance mandatory?
Schengen travel insurance is mandatory for all UK and non-EU nationals applying for a Schengen visa; you must present proof of insurance at your visa appointment. UK and EU citizens do not need Schengen insurance for short tourist stays, but it is strongly recommended. For example, if you need urgent medical treatment or repatriation while visiting France, Italy, or Spain, only compliant insurance will cover high expenses.
When is it recommended to purchase Schengen travel insurance?
The best time to purchase Schengen travel insurance is immediately after confirming your travel dates and before submitting your visa application. Early purchase ensures you have a visa-compliant certificate ready, and it provides cancellation cover before your trip begins. This protects you financially if illness or unforeseen events force you to postpone or cancel your journey.
How do I purchase Schengen travel insurance?
Start by comparing Schengen travel insurance offers using HelloSafe’s travel insurance comparison platform for the UK. Carefully check that the policy guarantees and exclusions are Schengen visa-compliant, including minimum coverage and repatriation. Buy your policy securely online, then download or receive your official certificate for your visa application and travel documents.
Can I purchase Schengen travel insurance after booking my trip?
You can buy Schengen travel insurance at any time before you depart, and it’s essential before applying for a visa. However, to be fully protected from the outset, including for trip cancellation, buy insurance as soon as you have fixed your travel plans. Consulates require insurance certificates covering your entire stay, so always check date accuracy.
How do I make a claim on Schengen travel insurance while abroad?
If you need to claim, contact your insurer’s emergency assistance line as soon as possible—they often provide 24/7 multilingual support. Gather and keep all documents such as medical reports, receipts, and your insurance certificate. Most insurers now offer digital claim submission through mobile apps or online portals for fast processing.
Does my UK health insurance or GHIC card meet Schengen requirements?
No—your UK health insurance or GHIC card only covers medical treatment in emergencies and does not meet Schengen visa requirements for minimum coverage, repatriation, or all countries. Dedicated Schengen travel insurance is required for a visa and offers the full range of protections consulates demand.
Are winter sports and adventure activities covered by standard Schengen insurance?
Winter sports and adventure activities are usually excluded from standard Schengen policies or require an optional add-on. If you are planning to ski, snowboard, or undertake high-risk activities in Alpine countries, choose a plan that specifically lists those sports, or add the relevant option to ensure you are covered for any accidents.
Is Schengen travel insurance mandatory?
Schengen travel insurance is mandatory for all UK and non-EU nationals applying for a Schengen visa; you must present proof of insurance at your visa appointment. UK and EU citizens do not need Schengen insurance for short tourist stays, but it is strongly recommended. For example, if you need urgent medical treatment or repatriation while visiting France, Italy, or Spain, only compliant insurance will cover high expenses.
When is it recommended to purchase Schengen travel insurance?
The best time to purchase Schengen travel insurance is immediately after confirming your travel dates and before submitting your visa application. Early purchase ensures you have a visa-compliant certificate ready, and it provides cancellation cover before your trip begins. This protects you financially if illness or unforeseen events force you to postpone or cancel your journey.
How do I purchase Schengen travel insurance?
Start by comparing Schengen travel insurance offers using HelloSafe’s travel insurance comparison platform for the UK. Carefully check that the policy guarantees and exclusions are Schengen visa-compliant, including minimum coverage and repatriation. Buy your policy securely online, then download or receive your official certificate for your visa application and travel documents.
Can I purchase Schengen travel insurance after booking my trip?
You can buy Schengen travel insurance at any time before you depart, and it’s essential before applying for a visa. However, to be fully protected from the outset, including for trip cancellation, buy insurance as soon as you have fixed your travel plans. Consulates require insurance certificates covering your entire stay, so always check date accuracy.
How do I make a claim on Schengen travel insurance while abroad?
If you need to claim, contact your insurer’s emergency assistance line as soon as possible—they often provide 24/7 multilingual support. Gather and keep all documents such as medical reports, receipts, and your insurance certificate. Most insurers now offer digital claim submission through mobile apps or online portals for fast processing.
Does my UK health insurance or GHIC card meet Schengen requirements?
No—your UK health insurance or GHIC card only covers medical treatment in emergencies and does not meet Schengen visa requirements for minimum coverage, repatriation, or all countries. Dedicated Schengen travel insurance is required for a visa and offers the full range of protections consulates demand.
Are winter sports and adventure activities covered by standard Schengen insurance?
Winter sports and adventure activities are usually excluded from standard Schengen policies or require an optional add-on. If you are planning to ski, snowboard, or undertake high-risk activities in Alpine countries, choose a plan that specifically lists those sports, or add the relevant option to ensure you are covered for any accidents.
