How to Get €30,000 Coverage Travel Insurance for a Schengen Visa?
Travel Insurance is mandatory for a Schengen visa!
NAME: Axel Strauss
DATE: 08/27/2025
Are you looking for a Schengen visa travel insurance that covers €30,000?
Traveling to Europe guarantees some unforgettable adventures and countless cultural experiences sure to stay with you long after you return home. But a crucial first step in your upcoming European journey is also understanding and having the proper travel and medical insurance. For example, if you need a Schengen visa - one that guarantees coverage of at least €30,000 in medical expenses.
So to both save you some time before and guarantee some peace of mind during your travels, AXA has all you need to know about the minimum travel insurance requirements for a Schengen visa below.
- Do I need travel insurance for Europe?
- What are the minimum travel insurance requirements to be granted a Schengen Visa?
- Why is €30,000 Travel Insurance Required for a Schengen Visa?
- How do I ensure my travel insurance meets this criteria?
- How much does travel insurance with €30,000 coverage cost?
- Why choose AXA Schengen Travel Insurance for Europe (and/or your Schengen visa)?
- What options does AXA Schengen travel insurance offer?
Do I need travel insurance for Europe?
That depends on where exactly you’re going - as well as where you’re coming from. Because if you’re traveling to one of Europe’s dozens of Schengen countries, you might need a Schengen visa. Millions of people from over 100 nations worldwide do.
And if you happen to be one of those millions who need a Schengen visa,
then YES - one of the primary requirements for being granted a Schengen visa is that you have a proper travel insurance plan.
But fear not! AXA can help you answer the following in no time:
-Who does not need a Schengen visa?
-and, of course, which European countries are not in the Schengen?
I don’t need a Schengen visa. Should I still get travel insurance?
Yes. Or at least we sure think so. After all, just because something isn’t mandatory doesn’t make it a bad call, right?
Imagine you’re climbing the Alps. Or exploring ancient ruins in Athens. Or snorkelling off the coast of Croatia, biking around Amsterdam, and so on. A minor misstep or wrong turn can quickly become a medical nightmare. Not to mention a hefty foreign expense.
But even if your journey is more on the tamer side of life - there’s still no guarantee it will be a smooth one. For example, even a quiet evening in a nice local restaurant by the hotel - if you find yourself with a sudden bout of, say, food poisoning - can become a travel story you wish you’d avoided.
In short, going abroad always comes with a few surprises. And, unfortunately, not all of them are always good.
Meanwhile, navigating a foreign healthcare system, various European red tape, time constraints, language barriers, and the likes - none of this is easy to deal with on your own.
Of course, having travel insurance won’t necessarily guarantee that no mishaps or medical issues occur during your trip. But it will, however, make things a lot easier to handle if they do go wrong.
So we say getting a top-quality travel insurance plan is your best bet in guaranteeing a smooth European adventure from start to finish. And even if it’s not a requirement per se.
What are the minimum travel insurance requirements to be granted a Schengen Visa?
In order to meet the travel insurance requirements for your Schengen visa, you’ll need a plan that complies with several basic criteria.
Namely (and in short), your travel insurance plan must:
-be purchased from an insurance company validated by the consular authorities of all Schengen countries;
-have a minimum coverage of €30,000 in medical expenses (such as hospitalization, emergency treatment, and repatriation - including in case of death);
-cover you in all the Schengen member countries - i.e., not just the one(s) you plan to visit;
-be valid for the entire duration of your stay in the Schengen Area.
And, just in case, here’s how the European Union formally puts it (in Regulation (EC) No. 810/2009):
“Article 15 - travel medical insurance
1. Applicants for a uniform visa for one or two entries shall prove that they are in possession of adequate and valid travel medical insurance to cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death, during their stay(s) on the territory of the Member States.
2. Applicants for a multiple-entry visa shall prove that they are in possession of adequate and valid travel medical insurance covering the period of their first intended visit. In addition, such applicants shall sign the statement, set out in the application form, declaring that they are aware of the need to be in possession of travel medical insurance for subsequent stays.
3. The insurance shall be valid throughout the territory of the Member States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30 000. When a visa with limited territorial validity covering the territory of more than one Member State is issued, the insurance cover shall be valid at least in the Member States concerned.”
PRO-TIP: AXA can gladly further explain what Schengen visa health insurance is if you like!
*Good News! In the meantime - and no matter how you phrase it - just know that all of AXA’s plans meet all the requirements above (and then some)!
Why Is €30,000 Travel Insurance Required for a Schengen Visa?
Well, again, the €30,000 minimum coverage is set by the European Union. So your guess about this specific amount is ultimately as good as AXA’s. But the general understanding is that €30,000 is theoretically enough to ensure that travelers can pay for emergency medical care, hospitalization, and repatriation without relying on local Schengen health systems or governments.
After all, medical services in Europe can be expensive. And depending on where exactly you are, even a brief hospital stay or unexpected surgery may quickly exceed thousands of euros.
In other words, the €30,000 insurance requirement prevents visitors from becoming a financial burden and helps guarantee that - should a serious accident or illness occur - both appropriate care and safe repatriation are covered.
IMPORTANT: Whatever the case may be, the €30,000 minimum - as outlined above - is a strict legal prerequisite. And your Schengen visa application will, unfortunately, be rejected without proof of compliant coverage.
How do I ensure my travel insurance meets these criteria?
The easiest and safest way to get legitimate Schengen travel insurance coverage for your trip is to opt for a reputable provider.
And AXA is - you guessed it - just that reputable provider!
With AXA, not only do you get decades of expertise, impeccable coverage, 24/7 professional service and support, and countless medical (and other) benefits near and far. But also - and perhaps more importantly in this particular case - the world-renowned, tried and tested AXA travel insurance certificate is recognized by all Schengen member embassies, consulates, and visa application centers the world over!
So if you’re looking to make sure that your Schengen travel insurance plan is both worthwhile and as by the book as can be - then AXA is definitely the way to go. .
How much does travel insurance with €30,000 coverage cost?
Well, that obviously depends on your provider*. But generally speaking, travel insurance that meets the €30,000 Schengen visa requirement won’t break your bank - especially for short trips.
The total costs will also vary depending on factors such as your age, trip duration, and/or any additional benefits or higher coverage you might choose.
PRO-TIP (and humble brag): And, of course, when it comes to the best provider in town - AXA can gladly tell you more about its Schengen travel insurance costs.
Why choose Online AXA Schengen Travel Insurance for Europe?
Now - along with affordability - here’s a quick overview of some other benefits of going with AXA. All of our plans:
- Meet all the criteria required by the EU for a Schengen visa
- Are accepted by all Schengen embassies, consulates, and visa application centers worldwide
- Offer quick and easy online subscription
- Provide a certified, world-renowned travel insurance certificate (sent instantly by email)
- Have no age limit
- Offer reimbursement of insurance costs in case your Schengen visa is denied
- Offer coverage of medical and repatriation costs for up to €2 Million
- Include civil liability and personal liability insurance
- Include death and disability coverage
- Offer baggage insurance (either included or optional - depending on the plan)
- Are tailor-made, offering multiple upgrade options
- Are valid for the Schengen area + the European Union + the United Kingdom (depending on the plan, that is - see below)
- Offer flexibility - i.e., are available for just one day, up to six months, or even as an annual subscription
- Provide 24/7 emergency assistance
- Offer free medical teleconsultation - in English and a number of other languages - with our unique Doctor, Please! feature
- Can be purchased on behalf of someone else (without unnecessary complications)
And, again, offer the peace of mind of being supported by AXA - an expert, world-renowned, decades-trusted provider!
What options does AXA Schengen travel insurance offer?
And now that you know most of the benefits, here’s a (very) brief breakdown of the AXA plans themselves:
-AXA SCHENGEN BASIC: the standard coverage required for your Schengen visa. Simple, world-recognized, meeting all the requirements above, and covering you in all Schengen countries + European microstates (San Marino, Andorra, Monaco, and Vatican City).
-AXA SCHENGEN ESSENTIAL: complete, reliable European coverage at an affordable price.
Meets all EU/Schengen requirements and covers you in all Schengen countries + all EU countries + the European microstates above + the UK.
-AXA SCHENGEN PREMIUM: our all-inclusive plan for stress-and-worry-free travel throughout Europe.
Meets all visa requirements while covering you in all Schengen countries + all EU countries + the European microstates + the UK.
-AXA SCHENGEN ANNUAL: our annual plan, best suited for frequent travelers and/or holders of multiple-entry visas.
It meets all visa requirements and offers one contract for a full year of travel, providing coverage across all Schengen countries + all EU countries + the microstates + the UK.
So before you book that visa appointment (and/or plane ticket), make sure you take a minute to
compare all of AXA’s options
and
get a free AXA quote too (with zero obligation!).
We guarantee that - no matter which AXA plan you choose - you’ll definitely be getting much more than the bare minimum for your upcoming European adventure!
RELATED ARTICLES:
- Is Schengen travel insurance mandatory?
- How do I choose the best Schengen travel insurance for my trip?
- Which European countries are not in the Schengen Zone?
FAQ
Can I buy Schengen insurance with higher coverage than the minimum €30,000?
Yes, you can purchase Schengen travel insurance with coverage above the €30,000 minimum. In fact, along with basic coverage, AXA also specifically offers plans designed for travelers seeking higher protection. For example, our Essential and Annual plans provide coverage limits up to €100,000 or even allow customization up to €1 million or €2 million for medical expenses (offering extra benefits like family assistance, extended baggage coverage, and more)!
What happens if my travel insurance doesn’t meet Schengen visa rules?
If your travel insurance doesn’t meet Schengen visa requirements, your visa application will be denied - and the visa fees you paid won’t be refunded.
PRO-REMINDER: And remember that even if your visa is refused, AXA - while fully complying with the visa rules - also offers a full refund of your insurance premium!
Is it possible to get insurance for just one Schengen country?
No. Schengen visa travel insurance must cover all Schengen member states - not just one country (regardless of your travel plans).
FINAL PRO-REMINDER: AXA’s plans, meanwhile, exceed this requirement by also covering you beyond the Schengen Area - such as in the European microstates and even the UK. This makes AXA ideal for travelers wanting flexible and broad coverage to explore Europe, the Schengen, and beyond!
