Schengen visa travel insurance should be reviewed by its coverage and dates, not just by a visa-compliant label. Before purchasing, compare the policy certificate with your genuine itinerary and the consulate’s current instructions. A basic review can identify an incorrect name, uncovered day or policy that does not cover the intended countries.
Research checked: 12 October 2026. Check current official requirements before applying.
The EU Visa Code specifies adequate travel medical insurance covering urgent medical attention, emergency hospital treatment and repatriation, including in the event of death. It must cover the relevant Schengen territory and intended stay, with minimum coverage of €30,000. For multiple-entry applications, evidence for the first intended visit is required, while insurance must also be held for later trips.
List the entry and exit dates, including overnight travel that changes the arrival day. Check that the certificate covers the full intended stay. If travel dates change before submission, ask the insurer how to update the document. A policy covering a shorter period than your itinerary needs to be resolved before filing.
Read the full terms as well as the summary certificate.
The German Missions in India state that they accept Indian travel medical insurance from approved insurers. If Germany is your destination, check the current official list. Other consulates can have their own submission guidance. Do not assume a policy accepted for another person’s application automatically satisfies your destination’s requirements.
Ask the insurer about any exclusions relevant to your health, planned activities or age. Compare deductible and claim-support terms, but do not mistake a low premium for adequate cover. Keep the emergency contact and policy available during travel. Insurance purchased for an application should also be meaningful protection during the actual trip.
An appropriate policy is one document requirement; it is not proof of the purpose of travel, funds or intention to return. Keep the policy beside the itinerary and accommodation records, and ensure all dates agree. Review the consulate’s rules before each future trip rather than assuming a multiple-entry visa removes the insurance obligation.
The EU Visa Code specifies €30,000 minimum coverage, together with the required scope, territory and dates.
No. Evidence for the first visit is used at application, but appropriate insurance is required for subsequent stays too.
Featured photograph: Alice on Unsplash. Destination photograph for illustration.