11 Best Schengen Travel Insurance

As someone looking forward to visiting Schengen countries and other parts of Europe, I’ve been researching Schengen travel insurance plans. Travel insurance plans offer numerous coverages, including medical insurance, emergency evacuation, and repatriation of remains in case of death.

Besides, they fulfill the minimum insurance requirements for getting a Schengen visa. In this article, I’ll explore the top 11 Schengen travel insurance options out there. Come along as we find the best coverage for your European adventure!

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Best Schengen travel insurance

Table of Contents

1. Heymondo

The first on my list is Heymondo. Go no further than Heymondo for the best Schengen travel insurance in Europe. Their Top plan is the only Europe travel insurance plan that pays your medical expenditures rather than forcing you to file a claim to be reimbursed.

Heymondo provides the most coverage for emergency medical bills, trip cancellation, and baggage loss, while its repatriation coverage is equal to or more than that of all other firms except World Trips.

2. World Nomads

World Nomads is one of the most affordable Schengen travel insurance you can get. Their Basic plan is reasonably priced and meets the Schengen visa insurance criteria of repatriation coverage and emergency medical coverage.

It also allows you to choose between Europe and the Schengen area as your coverage area, making it suitable for both European travel insurance and Schengen visa insurance.

While World Nomads is a fantastic travel insurance for Europe, keep in mind that you will need to file a claim in order to be reimbursed for any medical expenses. In my opinion, Heymondo is a better option if you want to avoid this process.

3. IMG

If you want the greatest health insurance for your trip to Europe, IMG is a good option. Their iTravelInsured Travel SE plan provides extensive emergency medical, evacuation, and repatriation coverage.

It also offers comprehensive travel coverage for trip cancellation and baggage loss. The iTravelInsured Travel SE plan is reasonably priced and meets all requirements for Schengen visa insurance.

4. Travelex

Travelex is an excellent choice for dependable Schengen visa insurance. Its coverage extends throughout Europe, not just the Schengen Zone, making it ideal for a multi-stop European holiday.

Their Select plan meets all Schengen visa insurance requirements and provides solid evacuation and repatriation, baggage loss, and travel cancellation coverage.

However, the Select plan’s emergency medical expenditures coverage leaves a lot to be desired.

5. WorldTrips

WorldTrips is another excellent travel insurance provider for a vacation to Schengen. Their Premier plan provides exceptional overall coverage and evacuation and repatriation coverage.

The Preferred plan from WorldTrips easily fits Schengen visa insurance requirements because it includes $100,000 in emergency medical coverage, coverage in the Schengen Area, and repatriation coverage.

6. Europ Assistance

Europ Assistance is sixth on the list of the 11 best Schengen insurance. For instance, Europ Assistance sells extended coverage that provides coverage, travel, and lodging expenses for the return trip.

It covers the expenses of a policyholder’s companion, minors (under 14), and a doctor-prescribed extended stay of up to five days.

This coverage is good in Schengen countries as well as Bulgaria, Croatia, Cyprus, Ireland, Romania, and the United Kingdom.

7. MondialCare

MondialCare is another great option for Schengen travel insurance. They’re part of Allsure Global Insurance Solutions, popular for their excellent services. MondialCare covers all the important things you need like medical expenses, emergency evacuation, and bringing back remains in case of death.

What I love most about their plan is the customization, They let you customize your policy to fit your trip. Besides, getting a quote is easy and there is a tool you can use to check if your certification is valid. MondialCare prioritizes travelers safety, which is why they’re a top choice for Schengen travel insurance.

The other 4 best Schengen travel insurance providers are

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How To Buy Schengen Visa Insurance Online?

Buying a Schengen visa is easy as most insurance companies operate online. Hence, you can purchase a travel insurance plan directly from their website. To buy one, visit the company website, look for the “Get a Quote” or “Start Now” button, and:

Fill out the online application form

You have to input your name, nationality, age, destination, and the dates of travel.

Select the type of plan you want

There are numerous Schenegan travel insurance plans available. You can read the pros and cons of each plan to find one suited to your needs.

For example, if you purchase through Europ Assistance one of the leading insurance companies, there are different policies you can subscribe to.

Make payment

You can make payments through a credit/debit card or PayPal. The cost of the travel insurance plan depends on the information you provided (age, length of trip)and the plan you chose.

Download and print your Insurance Certificate

You need this to submit to the Embassy when you apply for a visa. It should be in PDF format.

What should the Schengen travel insurance plan cover?

Cost of medical treatment which includes in-patient and out-patient medical treatment, doctor visits, hospitalization, surgery, and so on.
Cost of repatriation or evacuation

If you become ill or are involved in a catastrophic accident that necessitates medical assistance from your home country, travel insurance will cover the expense of repatriation.

It should also include provisions for repatriation in the event of death. That is all a basic Schengen visa policy must cover to be valid for a visa application. However, some insurance firms provide additional, more extensive coverage, such as travel insurance or liability insurance.