Home German Lifestyle How to make a Schengen visa travel insurance comparison

How to make a Schengen visa travel insurance comparison

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Schengen visa travel insurance comparison

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.

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.

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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

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

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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