Travel Insurance for Europe

REQUIRED for visa application
Low risk destinationVaries widely. EU countries may have reciprocal healthcare for EU passport holders.
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Insurance Required

Travel insurance with minimum €30,000 medical cover is MANDATORY for Schengen visa applications.

What your policy should cover for Europe

Medical

Min. $100K

Evacuation

Min. $50K

Baggage

Min. $1,500

Trip cancel

Full cost

Key risks in Europe

  • 1
    Pickpocketing in major cities (Barcelona, Rome, Paris, Prague)
  • 2
    Schengen visa cancellation risk
  • 3
    Flight cancellations and delays
  • 4
    Baggage loss on inter-European flights

Insurance tips for Europe

Schengen visa applicants MUST have insurance covering at least €30,000 in medical expenses
EU/EEA passport holders with an EHIC card have some healthcare rights in EU countries, but this is not a substitute for full travel insurance
Flight cancellation compensation under EU261/2004 may apply — save all boarding passes
Comprehensive multi-trip annual policies are best if visiting Europe multiple times per year

Get covered for Europe — from $3/day

EKTA Travel Insurance · 190+ countries · Instant policy

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Frequently Asked Questions

Is travel insurance compulsory for Europe / Schengen?

Yes — travel insurance with minimum €30,000 medical coverage is legally required for a Schengen visa. Without it, your visa application will be rejected. Ensure the policy covers the entire Schengen zone and all dates of your trip.

Does the EHIC card replace travel insurance in Europe?

No. The European Health Insurance Card (EHIC) or GHIC only covers emergency state healthcare in EU countries — it does not cover repatriation, trip cancellation, lost baggage, or private medical treatment. Full travel insurance is still needed.

What is the minimum insurance for a Schengen visa?

The minimum required is €30,000 medical coverage valid for all Schengen area countries for the full duration of your trip. EKTA and other providers offer Schengen-compliant policies specifically designed for visa applications.

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