The official requirement — one standard across all states
Every embassy and consulate in the Schengen area applies the same minimum standard, set in EU visa law (Regulation (EC) No 810/2009 — the Visa Code, Article 15):
| Requirement | What it means |
|---|---|
| Minimum cover | €30,000 for emergency medical expenses — a floor, not a recommendation |
| Scope of cover | Emergency medical treatment and repatriation, including in case of death |
| Geography | Valid in all Schengen states — not just the country issuing your visa |
| Duration | Covers your entire planned stay |
In other words: ordinary "travel insurance" often isn't enough. Many common packages carry medical limits below €30,000, or only cover selected countries — submitting one of those almost guarantees a request for additional documents or a refusal.
Why the requirement exists
It's not a rule invented country by country — it's a unified standard across the Schengen area. The purpose: make sure a visitor who falls ill or has an accident doesn't become a burden on the host country's public healthcare system. Because it applies to the whole area, cover valid in France is also valid when you move on to Germany, Italy or any other Schengen state on the same trip — provided the policy states area-wide validity rather than naming a single country.
Does LUMA's cover meet it?
Per LUMA's published Schengen product page and Table of Benefits:
- The medical limit on every World Pass plan — USD 50,000 on Plan 1, up to USD 200,000 on Plan 3 — exceeds the €30,000 (≈ USD 32,000-35,000) threshold.
- Emergency evacuation and repatriation up to USD 1,000,000 on all plans; the certificate is issued in a format suited to visa files, delivered by email immediately after payment.
- The policy is underwritten by Bao Long Insurance Corporation, with distribution managed by LUMA International (registered in Bordeaux, France — ORIAS 17 007 455). You can verify the registration independently at orias.fr.
Where to go next
- How to read the €30,000 requirement correctly — the five clauses where files fail
- Real LUMA prices by zone — from $19 for 8 days
- Plans compared — which of the three to pick
Get a quote that meets the requirement — about a minute
Get a LUMA quote — 5 minutesCertificate by email right after payment — print it or submit the PDF.