Schengen Insurance for Visiting Relatives

Schengen visa insurance requirements

Every Schengen visa application requires a certificate covering at least 30,000 euros in medical expenses, valid across the entire Schengen area, including emergency hospitalization and medical repatriation, as required by Article 15 of the Visa Code.

Full guide to Schengen visa insurance requirements

The host can buy for the traveler

This is the most common setup: the relative in Europe compares, pays online and receives the certificate in the visitor's name, who adds it to their visa file in their country. No local card constraints for the traveler, and you keep control over the plan and coverage. Note that a host accommodation certificate (where required) and insurance are two separate documents: one proves lodging, the other covers healthcare, and both go in the file.

Insuring senior parents properly

Age is the main pricing factor and some insurers apply heavy loadings after 60 or 70 while others stay moderate: this is the profile where comparing saves the most. Also check the coverage ceiling (above 30,000 euros is prudent for seniors) and the deductible (zero-deductible preferred).

Get your certificate in 2 minutes

Compare compliant plans for your exact dates, pay online with your card and receive the PDF by email within minutes, ready to print for your visa file. Schengen Cover is free, with no obligation, and only lists policies accepted by embassies and TLScontact, VFS Global or BLS centers.