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How to make a Schengen visa travel insurance comparison

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If you are a non-EU citizen who requires a visa and want to visit countries such as Germany or Switzerland, you need a Schengen visa. Visa travel insurance with a minimum coverage of € 30,000 for medical emergencies is mandatory for the application. 

You have to choose the right Schengen visa travel insurance. It is therefore important to make a Schengen visa travel insurance comparison before applying for the Schengen visa.

Schengen visa travel insurance comparison

What does a Schengen visa travel insurance ideally include?

  • Incoming international health insurance: We pay the costs for medication, visits to the doctor and hospital stays.
  • Patient repatriation: We will take you to a hospital near your place of residence if it is medically sensible and justifiable.
  • Luggage insurance: We support you if your luggage is stolen or lost. Only included in incoming health and luggage protection.

What services does a Schengen visa travel insurance offer?

When applying for a Schengen visa, there are clear rules, also with regard to health insurance. Schengen health insurance must cover at least € 30,000 for medical costs and emergencies.

What is insured?

  •  Medically sensible and justifiable repatriation to a suitable hospital near your place of residence 
  • Medically necessary transport to the hospital abroad and back to the accommodation
  • Medically necessary treatment as well as medicines and aids
  • Pain relieving dental treatment and repair of dentures
  • Rooming-in for inpatient treatment of children under 18 years of age
Schengen visa travel insurance comparison

What is not insured?

X Dental treatments that go beyond pain relieving treatments or repairs to dentures

X Psychoanalytic and psychotherapeutic treatments

X Medical treatment for the purpose of which the trip was undertaken

X Medical treatments, the necessity of which was known before the trip

X Treatment of addictions

X Aids such as glasses or hearing aids

X Check-ups during pregnancy, delivery after the 36th week and medically not indicated abortions 

X The treatment of injuries from sports competitions when you are making money by participating

Tips for completing a Schengen visa travel insurance online

  • Have the travel period, destination, name and dates of birth of all fellow travelers at hand
  • Payment by direct debit and credit card
  • Foreign health insurance and all other travel insurance policies that do not include travel cancellation insurance can be taken out up to the day of departure
  • The insurance premium for an annual insurance is often cheaper – look for the note “Our recommendation” in the booking path
Schengen visa travel insurance comparison

Comparison of travel health insurance for visitors from abroad up to a stay of 365 days

Note: All of the travel insurances listed below for foreign guests staying in Germany for up to 1 year meet the requirements for a Schengen visa.

TariffAge limitFulfillment of a
Schengen visa
Emergency
service
Premium
per day
HanseMerkurup to 64 yearsyesyes1.70 €
HanseMerkurfrom 65 years
to 74 years
yesyes€ 3.50
ERGOup to 64 yearsyesyes1.40 €
1 day to max. 45 days

from 1.70 €
1 day to max. 365 days
ERGOfrom 65 yearsyesyes€ 3.30
1 day to max. 45 days

from € 3.90
1 day to max. 365 days
Wurzburgerup to 64 years
from 65 – 74 years
from 75 years
yesyes€ 1.60 €
4.50 €
6.50
Allianz Travel
up to 93 days
up to 65 yearsyesyesfrom 1.60 €
Allianz Travel
up to 93 days
from 66 yearsyesyesfrom € 4.70
EDUCARE24 *up to 39 yearsyesyes€ 1.06 **
up to 18 months

€ 1.61 **
from the 19th month
EDUCARE24 *up to 69 yearsyesyes1.80 € **
up to 18 months

3.67 € **
from the 19th month
PROVISIT *up to 29 yearsyesyes1.28 € **
(conclusion within 1 month after entry for 1st to 12th month)

1.80 € **
(conclusion within 1 year after entry for 1st to 12th month)
PROVISIT *up to 69 yearsyesyes2.13 € **
(conclusion within 1 month after entry for 1st to 12th month)

2.83 € **
(conclusion within 1 year after entry for 1st to 12th month)
Au-Pair24 *up to 29 yearsyesyesfrom 1.30 € **
Care Visa Protectup to 64 years
from 65 – 74 years
yes nofrom € 0.85
from € 2.60
Care Visa Protect Annual Policyup to 64 years
from 65 – 74 years
yes nofrom € 0.30
from € 0.59
PROVISIT VISAup to 64 years
from 65 years
yesyesfrom 1.10 €
from 6.50 €
* Extension possible
** The contributions are only payable as monthly contributions. 
Daily premiums are listed for comparison only.

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Expaturm aims to help educate Expats in Germany on key issues that they will have to deal with while living in Germany by providing everything you need to know about Banking, Healthcare, Lifestyle, and Housing in Germany
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