Schengen Visa Insurance: The 30,000€ Rule Explained

Why is insurance mandatory for a Schengen visa?

An insurance policy is an official requirement of all consulates of the Schengen countries. This is not just a formality, but a guarantee of your financial protection in case of unforeseen circumstances. The minimum coverage amount set by the Schengen Code is €30,000. This requirement helps travellers cover the cost of medical services and avoid a financial burden on member states in case of an emergency.

What does €30,000 insurance cover when travelling to the Schengen area?

A €30,000 policy should cover the key risks that may arise during your trip:

Medical expenses: treatment, consultations, hospitalisation and other medical services.

Repatriation: return to your home country in the event of serious illness or death.

Evacuation: transport to a medical facility in an emergency.

For example, if a tourist is injured while walking, the insurance will cover the cost of hospitalisation and surgery. Without it, these costs would be borne by you.

Don't want to miss important updates and useful articles? Subscribe to our weekly newsletter!

What mistakes lead to a refusal of a visa to enter the Schengen area?

Most often, visas are refused due to the following mistakes:

Insufficient coverage: if your policy is less than €30,000, it will not be accepted.

Incorrect validity period: the insurance must be valid for the entire duration of your stay in the Schengen area.

Unverified insurance companies: a policy issued by an unknown company may raise doubts at the consulate.

Important! To avoid rejection, check all the details before submitting your documents and use the services of reliable providers.

Is additional insurance required for Schengen countries?

Yes, depending on your plans, you may need additional protection.

For motorists: ‘Green Card’ – compulsory insurance for car owners in Europe. The policy guarantees compensation for damages to third parties in the event of an accident.

For anyone planning to travel in Europe: Medical insurance policy – a guarantee of your safety in the Schengen countries.

Visit Ukraine offers both types of policies online, allowing you to get comprehensive protection for your trip.

Where to buy insurance for Schengen?

The most convenient way is to purchase a policy online. This allows you to avoid unnecessary hassle and save time.

The Visit Ukraine platform offers quick registration, round-the-clock support in English, and affordable rates. You can get insurance for Schengen in a matter of minutes and receive your policy by email.

Find detailed information:

– insurance for Poland;

– insurance for Germany;

– insurance for the Czech Republic;

– insurance for Spain;

– insurance for Italy.

Similar information about any European country can be found at the link.

Without €30,000 insurance, it is impossible to obtain a Schengen visa. To avoid rejection and make your trip safe, take out insurance for Schengen + ‘Green Card’ (car insurance for travelling in Europe) + on Visit Ukraine.

Reminder! Earlier, we told you what insurance policy you need to enter the EU and where to buy it.