Schengen Travel Insurance — Embassy-Accepted Certificate, Instantly
EU embassies reject applications with inadequate or unapproved insurance. Our plans satisfy the mandatory €30,000 medical requirement — valid across all 27 Schengen countries, with an instant certificate your embassy will accept.
27
Schengen Countries Covered
€30K+
Minimum Medical Coverage
Instant
Certificate Delivery
100%
Embassy Acceptance Rate
4.8/5
241 Customer Reviews
Where Are You Traveling From?
Get a guide tailored to your nationality — visa rules, costs, and tips by country.
What Schengen Insurance Must Cover
A missing requirement — even one line — can result in visa denial. Every plan we offer meets or exceeds all EU embassy standards.
€30,000 Medical Coverage
The EU minimum — our plans start here and go up to $1,000,000 depending on the plan.
Emergency Evacuation
Medical evacuation to the nearest adequate facility and repatriation of remains if needed.
Valid in All 27 Countries
One policy covers your entire trip through France, Germany, Italy, Spain, Greece, and all other Schengen nations.
Covers Full Trip Duration
Policy must cover your entire stay. We match your exact travel dates — no gaps in coverage.
Instant Certificate
Downloadable proof of insurance the moment you buy — ready to submit to your embassy.
24/7 Emergency Assistance
A direct line to help in any country, any time — hospital referrals, translation, coordination.
Compare Schengen Insurance Plans
All three meet Schengen requirements. Your choice comes down to budget and coverage level.
WorldTrips
Atlas International
from $8/wk
- €30,000+ medical coverage
- Schengen visa compliant
- Emergency evacuation included
- Instant certificate
- Covers all 27 countries
- Ages 14 days – 79
IMG
Patriot International
from $10/wk
- Up to $1M medical coverage
- Schengen visa compliant
- 24/7 global assistance
- Instant certificate
- IPA hospital network
- Ages up to 99
Trawick
Safe Travels International
from $15/wk
- Up to $1M medical coverage
- Schengen visa compliant
- Trip cancellation add-on
- Instant certificate
- Pre-existing conditions (select plans)
- All ages covered
Prices are estimates. Your exact rate depends on age, trip length, and destination. Use the quote tool for a precise price.
⚠️ Embassies reject applications with unapproved or missing insurance.
Get your Schengen certificate today — instant delivery, accepted at every EU embassy worldwide.
Get Your Certificate in 3 Steps
Enter Trip Details
Destination, dates, and number of travelers. Takes under 2 minutes.
Compare & Choose
See WorldTrips, IMG, and Trawick plans side-by-side. Pick the one that fits your budget.
Buy & Download
Pay securely online. Your certificate arrives by email instantly — print it for your visa application.
Insurance Requirements by Country
All Schengen countries share the same core insurance rules. Here's what to know for the most-visited destinations.
France
French consulates are among the strictest reviewers. Policy must explicitly state €30,000 minimum and cover France + all Schengen states. Instant digital certificate accepted.
Germany
German embassies require the policy to cover the full trip, including transit countries. Medical evacuation coverage must be explicitly stated in the certificate.
Italy
Italian consulates accept policies from internationally recognized carriers. The certificate must show the coverage amount in euros or equivalent. WorldTrips and IMG are both accepted.
Spain
Spain requires coverage for the full Schengen period, including any planned travel to neighboring Schengen states. Coverage must include repatriation of remains.
Greece
Greek consulates require a minimum of €30,000 coverage for medical and repatriation costs. Island travelers should ensure evacuation coverage for remote areas is included.
Netherlands
The Dutch embassy is known for thorough document review. The insurance certificate must clearly show the policy validity dates matching your exact travel dates.
All plans from Tower Hill are valid across all 27 Schengen countries — one policy, no matter where you travel.
Related Coverage
Pre-Existing Conditions →
Traveling with diabetes, heart disease, or COPD? Acute onset coverage available.
Senior Travel Insurance →
Plans available up to age 99. Schengen-compliant options for travelers 65+.
Compare All Plans →
Side-by-side plan comparison — coverage limits, medical, evacuation, and price.
Travelers Who Got Their Visa Approved
Real stories from visitors who used Tower Hill's Schengen insurance for their embassy applications.
"I applied for a France Schengen visa from India. The embassy asked for proof of insurance before my appointment. I bought the WorldTrips Atlas plan, got the certificate instantly, and my visa was approved in 5 days. The process couldn't have been easier."
Arjun M.
Indian national, Paris trip
"My family of four was visiting Germany and Italy. We needed a single policy covering all four travelers across both countries. Tower Hill's team helped us get one policy that covered the whole trip. Embassy accepted it without question."
Fatima A.
Family of 4, Germany & Italy
"I was worried about the cost — I'd heard Schengen insurance was expensive. Turned out to be about $9 a week. The certificate came in seconds. The Spanish consulate accepted it immediately. This made the whole visa process so much less stressful."
Carlos R.
Colombian traveler, Spain visa
Schengen Insurance — Common Questions
What are the Schengen visa insurance requirements?
All Schengen visa applicants must show proof of travel insurance with a minimum of €30,000 (approximately $33,000) in medical coverage, valid for the entire duration of stay in all Schengen countries, and including emergency medical evacuation and repatriation of remains. The policy must be issued by an approved provider.
Which countries are in the Schengen Area?
The Schengen Area includes 27 European countries: Austria, Belgium, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland. One policy covers travel across all of them.
How quickly do I get my insurance certificate?
Instantly. Once you complete your purchase online, you receive a certificate of insurance via email that you can print or show digitally at the embassy. There is no waiting period.
Can I extend my Schengen insurance if my trip gets longer?
Yes. WorldTrips and IMG plans can be extended as long as you have not filed a claim. Contact Tower Hill at support@towerhillcorp.com or call (844) 950-3468 and we'll help you extend coverage.
Will the embassy accept these policies?
Yes. WorldTrips, IMG, and Trawick International are internationally recognized carriers whose policies are accepted by embassies and consulates worldwide, including all EU and Schengen member state missions.
Do US citizens need Schengen travel insurance?
Yes. US citizens traveling to Schengen countries on a tourist or visitor visa must purchase Schengen-compliant travel insurance before their visa is approved. The policy must cover at least €30,000 in medical expenses, be valid for the entire trip duration, and cover all 27 Schengen member states.
What is the cheapest Schengen travel insurance?
WorldTrips Atlas International is typically the most affordable option, starting from approximately $8 per week. The final price depends on your age, the length of your stay, and your home country. Younger travelers can often find plans well under $10/week. Use our quote tool for an exact price.
Can I buy Schengen insurance after I arrive in Europe?
No. Schengen insurance must be purchased before you apply for your visa and before you enter the Schengen Area. The embassy requires proof of insurance as part of the visa application — you cannot submit it after arrival.
Is Schengen travel insurance the same as regular travel insurance?
Not always. Regular travel insurance may not meet the specific EU embassy requirements. Schengen-compliant insurance must: (1) provide a minimum of €30,000 in medical coverage, (2) be valid in all 27 Schengen countries, (3) cover emergency evacuation and repatriation, and (4) be issued by a recognized international insurer. Always confirm the plan is explicitly labeled 'Schengen visa compliant.'
What if my Schengen visa is rejected — can I get a refund on my insurance?
Yes, in most cases. If your Schengen visa is denied before travel begins, you may request a full or partial refund by providing a copy of the embassy rejection letter. Contact Tower Hill at support@towerhillcorp.com or (844) 950-3468 and we'll coordinate the refund request with the carrier on your behalf.
Schengen Insurance by Nationality
Country-specific guides for China, India, Turkey, Morocco, Algeria, and 15+ more nationalities — embassy tips, costs, and visa denial refund info.
Schengen Country Guides & Resources
Country-specific tips for Americans and visa requirements by destination.
Ready to Get Your Schengen Certificate?
Plans from $8/week. Instant proof of insurance. Accepted at every Schengen embassy worldwide.
Mon–Fri 9AM–6PM CST · TX License #2608479TX