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Schengen travel insurance: the €30,000 rule, simplified

VCSureshotTravel · 30 Apr 2026 · 5 min read
€€30,000INSURANCEThe Schengen€30,000 rule
Quick answer

Every Schengen visa requires travel insurance covering at least €30,000 in medical expenses and emergency repatriation, valid across all member states for your entire stay. It must be a real policy from a licensed insurer.

Key takeaways

  • Minimum €30,000 medical cover is mandatory for Schengen.
  • It must be valid in all 26 countries for the whole trip.
  • Cover dates must match your travel dates exactly.
  • Use a real policy from a licensed insurer, not a printout.

What the rule requires

Schengen rules set a clear floor: medical cover of at least €30,000, including emergency hospital treatment and repatriation, valid throughout the area for the full duration of your visit.

€30,000minimum medical coverMedical & hospitalUp to €30,000 across all 26 countriesEmergency repatriationCovered for the whole stayWhole-trip validityDates must match your reservationIRDAI-issued policyA real policy, not a printout
What a compliant Schengen policy must cover.

Getting it right

The most common error is cover that doesn’t span the whole trip, or that starts a day late. Your policy dates must match — or slightly exceed — your reservation dates.

Important: insurance must come from a licensed insurer. In India that means an IRDAI-licensed provider — never an unverifiable certificate.

How we handle it

Travel insurance is offered only through our IRDAI-licensed partner, so you get a genuine policy that satisfies the €30,000 requirement, priced by the number of days you travel.

Need a verifiable reservation?Schengen-compliant insurance via a licensed partner.
Get my reservation →

Frequently asked questions

What’s the minimum Schengen insurance cover?

At least €30,000 in medical expenses, including emergency treatment and repatriation.

Does it need to cover every country?

Yes — it must be valid across all Schengen member states for your whole stay.

Can I buy insurance before the visa?

Yes, but choose a policy you can cancel if refused, or one that issues on approval.

Is the policy verifiable?

A policy from a licensed insurer comes with a certificate the consulate can confirm.

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