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 country follows a standardized visa policy.
  • According to Article 15 of the Schengen Visa Code:

“Proof of travel medical insurance valid throughout the territory of the Member States and for the duration of the intended stay.” 

  • If your insurance policy covers only one or a few countries, your visa application may be rejected.

3. Travel Flexibility and Safety

  • Even if you intend to visit only one country (e.g., France), unexpected changes such as layovers, delays, or spontaneous trips may lead you to other Schengen states.
  • Having full Schengen coverage ensures you are protected wherever you go within the zone.

4. Embassy Checks and Documentation

  • Embassies thoroughly examine your insurance certificate during the visa application process.
  • The certificate must clearly state that it:
    • Covers all Schengen countries
    • Meets the €30,000 minimum coverage requirement
    • Includes emergency medical care and repatriation

Choosing the right travel insurance ensures a stress-free journey and provides financial protection against unforeseen circumstances. Whether traveling domestically or internationally, having comprehensive coverage is essential.

For those seeking a reliable option, Schengen Visa Itinerary offers comprehensive protection, a seamless claims process, and affordable premiums making it a smart choice for all travelers. These services also offer flight reservations and hotel reservations to support the completion of your visa requirements.

Important:

Submitting falsified documents may result in visa denial and could lead to future travel restrictions.

Start your journey with a Schengen Visa Itinerary and secure affordable, visa-compliant travel insurance in just a few minutes.

 


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