Schengen travel insurance for €30,000: when do you need it and where to get it?

The Schengen area is one of the most popular destinations in the world. One of the main conditions for visiting Schengen is to have health insurance, which is required to obtain a Schengen visa. Find out more about when insurance is mandatory, what it must cover and where to buy it

An insurance policy is a guarantee of your safety and peaceful stay outside of Ukraine

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The Schengen area, consisting of 29 countries, is one of the most visited destinations in the world. In addition to its natural beauty and rich cultural heritage, Schengen is a popular choice among travellers, as the absence of borders in the region facilitates the free movement of tourists.

One of the key requirements for travelling here is to have a health insurance policy. It will be needed both for obtaining a Schengen visa and for the safe stay of tourists from visa-free countries. The minimum amount of risk coverage should be 30,000 euros for the entire period of stay.

Why is this amount of insurance required? What risks does the policy cover? Find out more in this article.

Planning a trip abroad? Make sure you have reliable insurance.

Do I have to have insurance to get a Schengen visa?

According to the European Parliament's regulations, in order to obtain a visa, an applicant must have full health insurance that covers unforeseen insurance costs in the Schengen area. The EU Visa Code also requires a health insurance policy.

However, this issue is not clearly spelled out in the legislative acts of the European Union. Detailed information on the need for an insurance policy for Ukrainians travelling on a visa-free regime can be found here.

Why is the sum insured EUR 30,000?

The €30,000 cover requirement is the minimum amount of risk insurance that your policy must meet in order to be valid for applying for a Schengen visa. This amount was determined based on a thorough analysis of various factors and was chosen as the amount of average medical expenses in the Schengen countries.

According to experts, lowering the minimum amount of risk insurance may lead to insufficient coverage, while raising it may impose an unnecessary financial burden on travellers.

It is worth noting that EUR 30,000 is the minimum amount, and travellers can choose a higher amount of coverage if they wish.

Is the €30,000 cover requirement mandatory for all Schengen visa applicants?

Yes, as part of the Schengen visa application process, all applicants must provide proof of travel insurance that meets certain criteria, including the mandatory €30,000 cover requirement.

If your insurance policy does not meet the €30,000 requirement, it will not meet the criteria for Schengen insurance. As a result, if you apply for a Schengen visa with insurance that does not meet this requirement, your visa application will most likely be rejected.

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Where can I get an insurance policy for travelling in the Schengen area?

Medical and travel insurance policies can be purchased on the Visit Ukraine portal. Before doing so, we recommend that you familiarise yourself with the risks they cover.

What are the benefits of a health insurance policy on Visit Ukraine?

A basic medical policy will cover the following risks:

- medical consultation and diagnosis

- treatment;

- emergency medical care, including hospitalisation;

- reimbursement for medicines prescribed by a doctor;

- transport costs for evacuation to the nearest medical facility;

- emergency dental care.

Extended health insurance can additionally cover expenses (vaccinations, emergency surgeries, repatriation of the body to the home country in case of death of the insured person, etc.) The policy also covers other travel-related risks:

- flight delay/cancellation

- loss of baggage;

- telephone communication costs;

- damage to personal transport in the event of an accident.

Take out a health insurance policy at Visit Ukraine and travel comfortably and safely!

What are the benefits of a travel insurance policy on Visit Ukraine?

A travel insurance policy provides coverage for the following risks

- medical expenses (inpatient or outpatient care);

- dental care in case of emergency;

- evacuation and transport;

- repatriation of the body or burial;

- Flight cancellation or delay;

- loss of baggage due to the fault of the carrier;

- legal advice;

- protection in case of an accident.

Take out a travel insurance policy at Visit Ukraine and protect yourself from unpleasant situations while travelling!

How to apply for an insurance policy at Visit Ukraine?

To apply for an insurance policy on the Visit Ukraine portal, you need a passport and an identification number (TIN):

1. Prepare your passport and TIN;

2. Select an insurance package (that meets your needs).

3. Select the period of insurance validity

4. Enter your date of birth.

5. Fill in the form with the data of the insured person (full name, e-mail, contact phone number, passport details, citizenship and place of residence).

6. Sign the insurance contract (a special code will be sent to the specified e-mail).

7. Pay for the insurance policy.

The finished policy will be sent to the specified e-mail. You do not need to print it out, because the electronic version has the same legal force as the paper one.

Take care of your insurance - get ready for a safe trip!

Just a reminder. Earlier, we told you that a number of EU countries have tightened control at the border between the Schengen countries.

Photo: Lowcost UA

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