A Step-by-Step Guide to Buying Schengen Visa Medical Insurance Online

If you're planning to travel to any of the 27 countries in the Schengen Area, having medical insurance is not just a smart decision—it’s a requirement. Schengen countries require proof of medical coverage before granting a visa. In this guide, we’ll walk you through each step of buying Schengen Visa medical insurance online, in simple terms, so you can make a confident and informed choice.

What is Schengen Visa Medical Insurance?

Schengen Visa medical insurance is a health insurance policy that covers medical emergencies, hospitalization, and repatriation while you're traveling in the Schengen Zone. To get approved for a Schengen Visa, your insurance must meet the following criteria:

• Minimum coverage of €30,000 (approximately $32,000)

• Must be valid in all Schengen countries

• Must cover any expenses which might arise in connection with emergency medical treatment, hospitalization, or repatriation

Why You Need It

Not only is it legally required, but having insurance ensures that you're protected from costly medical bills during your trip. Healthcare services in European countries can be expensive for non-EU travelers, so Schengen Visa medical insurance gives you peace of mind.

Step 1: Understand Your Travel Needs

Before choosing a policy, identify the following:

• How long will you stay in the Schengen Zone?

• Will you visit multiple countries?

• Do you have any pre-existing medical conditions?

• Do you need additional coverage like trip cancellation or baggage loss?

Having clarity on these points helps you choose the most suitable Schengen Visa medical insurance plans.

Step 2: Compare Reputable Insurance Providers

Search for insurance providers that specialize in international travel or visa insurance. Some well-known providers include:

• Visit Assured

• IMG Global

• Allianz Travel

• AXA Schengen

• Seven Corners

Compare their policies based on:

• Premium cost

• Deductibles

• Claim process

• Customer reviews

• Coverage inclusions/exclusions

You can use aggregator websites or the provider's official website to compare Schengen Visa medical insurance plans in one place.

Step 3: Verify the Visa Requirements

Make sure the insurance policy you choose matches the official Schengen Visa requirements:

✅ Minimum coverage of €30,000
✅ Validity in all Schengen countries
✅ No deductible (if possible)
✅ Covers medical emergencies and repatriation

Some embassies are very strict with document requirements. Ensure the insurer provides a visa letter confirming that your policy meets the necessary criteria.

Step 4: Select the Right Plan

Based on your comparison, select a plan that balances coverage and affordability. If you’re traveling for less than 90 days and are generally healthy, a basic Schengen Visa medical insurance plan will usually be enough.

However, if you’re a senior citizen, pregnant, or have pre-existing conditions, look for a policy that includes:

• Emergency health coverage

• Return of minor children

• Personal liability

• Repatriation of remains

Step 5: Purchase Your Insurance Online

Once you’ve selected your policy:

1. Visit the official website of the insurance provider.

2. Fill in basic details (travel dates, age, countries visiting).

3. Choose your coverage and review the terms.

4. Make the payment through a secure payment gateway.

You will immediately receive:

• A policy document (PDF)

• A certificate of coverage

• A visa letter (if applicable)

Print these documents and include them in your visa application packet.

Step 6: Double-Check the Documents

Before submitting your visa application:

• Ensure your name is correct and matches your passport.

• Double-check travel dates and country list.

• Confirm coverage amount is clearly stated.

If any information is wrong, contact the provider immediately to correct it.

Step 7: Know How to Use Your Insurance

Your Schengen Visa medical insurance isn’t just for show—it’s a lifeline in emergencies. Keep a digital and printed copy of your policy with you while traveling. Make sure you know:

• Which hospitals and clinics accept your insurance

• How to file a claim

• Emergency contact numbers

Most providers have a 24/7 assistance hotline—save that number on your phone.

Bonus Tips to Save Money

• Buy early: Purchasing insurance right after booking your flight may help with cancellation coverage.

• Bundle with travel insurance: Some companies offer discounts if you bundle other benefits like lost baggage or trip delays.

• Use trusted providers: While cheaper options exist, not all are accepted by embassies. Choose a reliable insurer like Visit Assured for peace of mind.

Conclusion

Buying Schengen Visa medical insurance online is easier than ever. Just follow these steps—identify your needs, compare providers, check visa requirements, and make an informed purchase. With the right Schengen Visa medical insurance plan, you’re not just checking off a visa requirement—you’re investing in your safety and health abroad.

If you're looking for quick, affordable, and embassy-approved insurance, Visit Assured offers easy-to-purchase Schengen Visa medical insurance plans for every type of traveler.