Schengen Visa Insurance: List of Insured Countries!


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Do you want to travel to Europe, either as a tourist, for a business meeting or to visit family or friends? Of course you hope that your trip goes smoothly, but if things turn out differently, you will be happy to have travel health insurance for Europe. Find out the insured countries below

No one is immune from an accident or a sudden illness, not even when traveling. If the case occurs and you are not insured, it can reach unimaginable proportions and become very expensive for you. For this reason, it’s recommended you take out travel health insurance for Europe and the Schengen area for all trips to Europe. With a Schengen visa travel insurance, you can travel with peace of mind and are insured in many countries. Find out below which insured countries you should be aware of and what the travel insurance entails.

Insured Countries

Which countries belong to the Schengen area?

Traveling in Europe means getting to know the history and culture of many different countries, but also being able to use the limits and advantages of the Schengen area. It is only thanks to the Schengen Agreement that it is now possible to travel within the Schengen states without border controls. The Schengen area has grown steadily since it was first signed in 1985 and new countries will continue to join in the future. Currently (as of 2021) the Schengen area consists of 26 countries, 22 of which belong to the European Union and 4 more to the EFTA (European Free Trade Association).

The 26 Schengen countries are as follows:

  • Belgium
  • Denmark
  • Germany
  • Estonia
  • Finland
  • France
  • Iceland (non-EU)
  •  Italy
  • Latvia
  • Liechtenstein (non-EU)
  • Lithuania
  • Luxembourg
  • Malta
  • Netherlands
  • Norway (non-EU)
  • Austria
  • Poland Visa Travel Insurance Poland
  • Portugal
  • Sweden
  • Switzerland (non-EU)
  • Slovakia
  • Slovenia
  • Spain
  • Czech Republic
  • Hungary

We have put together additional helpful information for you on popular travel destinations that are covered by our Schengen travel insurance:

Insured Countries


Do I really need Schengen travel health insurance?

That depends on whether you require a visa to enter the Schengen area or not.

1. Visa requirement: Yes, you need Schengen visa travel insurance

Many travelers who want to come to the Schengen area need a Schengen visa due to their nationality. For the visa application, a visa travel insurance or a Schengen travel health insurance for Europe is a must. Without proof of insurance, the application will be rejected. 

In addition, the insurance must meet certain criteria. Due to the requirements, it is very important that you carefully choose your travel insurance for a Schengen visa so that you can be sure that it is accepted by the consular authorities and that it meets the criteria.

  • Minimum coverage of € 30,000 (approximately USD 33,000)
  • Valid for all member states of the Schengen area
  • Coverage of all costs related to repatriation for medical reasons, emergency medical care, hospital emergency care or in the event of death
  • It must be approved by the embassies and consulates

2. No Visa Requirement: No, you do not need visa travel insurance, but travel insurance is advisable

For example, if you come from the USA or Canada, you do not need a Schengen visa for entry and therefore you do not need travel health insurance for Europe. Of course you are definitely looking at your travel budget, but it can be fatal to save in the wrong place. 

The German Foreign Office recommends that all foreign travelers take out travel health insurance for Europe, even if they do not require a visa. Although you are exempt from the Schengen visa due to your nationality, this does not protect you from health problems on your European trip. 

A fall on an e-scooter in the streets of Berlin, a wound infection after a snake bite on a tour in the Greek Cyclades or the infection with a virus … it doesn’t just happen to others. 

Without travel health insurance for Europe, you risk a lot: health and financial! Be smart and travel safely!

Insured Countries

FAQ: Insured countries Schengen visa travel insurance

Is Schengen travel health insurance necessary?

Yes. For all citizens who have to apply for a Schengen visa to enter Europe, Schengen travel health insurance is necessary for the visa application. For travelers who do not require a visa, travel health insurance for Europe is not mandatory, but recommended.

I am planning to visit several countries in the Schengen area. Do I have to take out travel insurance for each country?

Good news: no, you don’t have to. Schengen insurance offers you insurance cover in all countries of the Schengen area. However, if you want to visit non-Schengen countries such as Ireland, Croatia, Romania, Cyprus or Bulgaria, you should take out travel insurance which also covers these countries.

If my application for a Schengen visa is denied, can I get my travel insurance refunded?

Yes. The best Schengen visa travel insurance will reimburse you for the cost of the travel insurance you have taken out, provided that you can present official evidence that the visa has been refused.

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