Does the travel insurance have to cover all the Schengen countries, and why must it cover them?

Yes, travel insurance must cover all Schengen countries if you are applying for a Schengen visa. This requirement is outlined in the Schengen Visa Code and applies regardless of which country you apply to or plan to visit first. Schengen visa regulations strictly require that your travel medical insurance must be: Valid in all 27 Schengen countries Covers the entire duration of your intended stay Provides a minimum of €30,000 in coverage for medical emergencies and repatriation This is not optional; it is a legal requirement under the Schengen Visa Code. Why Must Schengen Travel Insurance Cover All Schengen Countries? Here are the main reasons: 1. Free Movement Within Schengen Once you enter any Schengen country, you may travel freely across internal borders without immigration checks. As authorities cannot predict which countries you will visit, your insurance must be valid throughout the entire Schengen Area. 2. Legal Requirement for Visa Approval Every Schengen cou...