Missing or incorrect insurance gets a file returned at the submission counter — before you ever reach the interview. This page covers exactly the mandatory part under Schengen rules, with publicly verifiable sources.
Miss a single one and the receiving office can request additions or refuse the file — regardless of which Schengen embassy you apply through.
Cover for emergency medical expenses. This is the floor, not a recommendation.
Must include both emergency medical costs and repatriation transport, including in case of death.
Effective in every Schengen state — not only the country where you file your application.
Spans every planned day inside the area. One missing day is enough to stall a file.
The €30,000 minimum, all-states validity, full-stay coverage — and why ordinary travel insurance usually fails the test.
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The number comes from EU visa law, yet files still fail on insurance — limit vs package, deductible, geography, dates, currency. With a 60-second pre-submission checklist.
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What to prepare beforehand, the four form steps, and the six-line certificate check before you submit it anywhere.
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All three plans clear the Schengen minimum. The real differences — baggage, cancellation, liability — from the official benefits tables, plus the exclusions worth reading twice.
Read the guide →Real prices from the live quote form: from $19 for 8 days in Zone 1-2, $21+ for Schengen — pricing is zone-based, not country-based. Longer trips cost far less per day.
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Cancellation exists on the top plan only, for listed reasons only. Baggage is covered under three layers of sub-limits — plus the 24-hour reporting rule.
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Below threshold, one day short, one character off — three mechanical mistakes behind most returned files, each avoidable in 60 seconds.
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Ages 4 weeks to 75, under-7s with an insured adult, children's accident cover capped at $1,000 — and the pre-existing-condition list seniors must read.
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Mandatory? Cost? Where to buy? Pre-existing conditions? Multiple countries? Twelve short, sourced answers.
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Three phases — before buying, 60 seconds on certificate arrival, and at submission. Printable, tick top to bottom, nothing missed.
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The cancellation clause quoted verbatim — non-cancelable, no refund once issued, one exception before the start date. Plus three preventions upfront.
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Rule #1 in an emergency, the mandatory documents per claim type, the two 6-month deadlines — and the three most common rejection reasons.
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