BorderTrip Tools · Schengen + EU travel insurance
Travel Insurance EU Checker
Enter your trip and travellers. We check your cover against the EUR 30 000 Schengen Visa Code line and rank a per-trip policy, an annual multi-trip policy and your credit-card cover, with the math shown per row.
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Travel Insurance EU Checker
Schengen Visa Code · Art. 15
Schengen Visa Code Art. 15 — EUR 30 000 minimum medical cover
- Trip duration (days)
- 14
- Recommended policy type
- Per-trip policy
- Per-trip premium estimate (EUR)
- €34
- Annual multi-trip premium estimate (EUR)
- €110
- Gap below EUR 30 000 (EUR)
- €30,000
Estimates only — we are not an insurance distributor under Directive (EU) 2016/97 (IDD). Links to providers are advertising and may earn us a commission per IDD Art. 19.
Pricing dataset verified: 2026-06-08
If your check above falls short of the €30,000 Schengen minimum, SafetyWing is one provider whose travel medical insurance is built to meet Schengen visa requirements.
Free first: compare against the coverage your existing card or current policy already gives you (this tool's credit-card gap row shows it) — you may already be covered and need nothing extra.
Check SafetyWing travel insurance →Affiliate link — we may earn a commission at no extra cost to you (see our affiliate disclosure).
IATI is Spain's leading travel-insurance specialist. Several of its policies include medical cover above the €30,000 Schengen minimum, with Spanish-language service and claims handling.
A natural fit if you travel from Spain or want a Spanish-speaking insurer — a complement to SafetyWing above, not a ranking. Compare both on cover and price for your trip.
Compare IATI travel insurance →Affiliate link — we may earn a commission at no extra cost to you (see our affiliate disclosure).
The four Article 15 conditions a Schengen visa policy must meet
For a Schengen short-stay (Type C) visa, your travel medical insurance must provide at least €30,000 in medical cover under Article 15 of the Schengen Visa Code (Regulation (EC) 810/2009). The €30,000 figure is only the first of four conditions: the policy must also cover emergency repatriation and medical evacuation, be valid across all Schengen member states, and last for the entire intended stay. A policy that clears the €30,000 line but excludes repatriation does not satisfy Article 15.
| Condition | What the policy must provide |
|---|---|
| Minimum medical cover | At least €30,000 for emergency medical treatment. |
| Repatriation | Emergency repatriation for medical reasons, urgent medical attention, and repatriation of remains in case of death. |
| Territorial validity | Valid throughout the territory of all Schengen member states, not just the destination country. |
| Duration | Covers the entire period of the intended stay or transit. |
This €30,000 requirement is the only figure on this page checked against an official source. The premium estimates produced by the calculator below are indicative ranges to help you budget — they are not quotes and the rates are not published carrier tariffs. Always confirm the exact cover and price with the insurer before you rely on a policy for a visa application.
Last updated: 2026-06-12 · EUR 30 000 requirement verified: 2026-06-12 against: Regulation (EC) 810/2009, Article 15 — EUR-Lex · Your Europe — entry conditions for non-EU nationals · AXA Schengen — the EUR 30 000 minimum coverage explained
Disclaimer
Results are estimates only. We are not an insurance broker and do not sell policies. The EUR 30 000 minimum is the legal Article 15 requirement; the premium figures are indicative estimates only — they are not quotes and the policy you buy will price its own. Always confirm the certificate wording with the insurer and consult a regulated broker for advice.
Frequently asked questions
- How much travel insurance do I need for a Schengen visa?
- Your policy must cover at least €30,000 in medical expenses, and that is only one of four legal conditions. Under Article 15 of the Schengen Visa Code the same policy must also include emergency repatriation and medical evacuation, be valid in every Schengen member state (not only the country you are visiting), and remain in force for the full duration of your stay. A €30,000 figure printed on a certificate is not enough on its own if repatriation is excluded or the territory is limited — consulates routinely reject those policies.
- Does my credit-card travel insurance meet the Schengen visa requirement?
- Sometimes, but you have to check the certificate, not assume. Many premium cards bundle medical cover, but the limit is often below €30,000, repatriation may be excluded, and the cover can be conditional on paying for the trip with that card. For a visa application the consulate wants a certificate that explicitly states the medical limit, repatriation, the territorial scope (all Schengen states) and the exact dates. If your card cover is silent on any of those four points, treat it as insufficient for the visa and buy a dedicated short-stay policy.
- Is the EHIC or GHIC the same as Schengen travel insurance?
- No. The European Health Insurance Card (EHIC) and the UK Global Health Insurance Card (GHIC) give EU and UK residents access to state healthcare in EU countries on the same terms as locals, but they do not cover private treatment, repatriation, or medical evacuation, and they are not accepted as the insurance required for a Schengen visa. EU and EEA citizens do not need a Schengen visa, so the Article 15 requirement does not apply to them; visa nationals must hold a separate policy that meets all four conditions. An EHIC/GHIC is a useful complement to a travel policy, never a replacement.
- Per-trip or annual multi-trip — which travel insurance is cheaper?
- It depends on how many days you travel in a year. A single per-trip policy is usually cheaper for one holiday, while an annual multi-trip policy can work out cheaper once you take several trips. The break-even point is not a fixed number of trips — it is the total days travelled where the annual premium undercuts the sum of the per-trip premiums for the same destinations. The calculator above shows both estimates side by side so you can compare; treat the figures as budgeting ranges and confirm the real prices with the insurers.
- What does Article 15 mean by 'repatriation' and why does it matter?
- Repatriation means the policy will pay to bring you home for medical reasons, including emergency medical evacuation, and to repatriate your remains in the event of death abroad. The Schengen Visa Code lists this explicitly alongside the €30,000 medical minimum, so a policy that covers hospital bills but excludes repatriation fails the requirement even if the medical limit is high. When you read a quote, look for the words 'repatriation' and 'medical evacuation' as separately listed benefits, not just a headline medical sum.
- Which countries does the €30,000 Schengen insurance requirement apply to?
- It applies to travel within the Schengen Area when you are applying for a short-stay (Type C) visa. The policy must be valid across all Schengen member states, because a Schengen visa lets you move freely between them. The Schengen Area is not identical to the EU: it includes non-EU countries such as Iceland, Norway, Switzerland and Liechtenstein, and a few EU countries are outside it. If your itinerary also includes a non-Schengen country, that leg is not covered by the Article 15 rule and may need separate insurance — check the territorial scope on your certificate.
Pre-trip kit
Insurance is the paperwork half of trip prep. Three things seasoned travellers pack alongside the policy:
- Most claims start smaller than a hospital visit — compare compact travel first aid kits on Amazon
- Insurers ask for documents you can actually find — see well-reviewed travel document organizers on Amazon
- Lost luggage is the most-filed travel claim — browse luggage trackers on Amazon
As an Amazon Associate I earn from qualifying purchases. Links above are affiliate links — they fund this free checker at no extra cost to you.
Related tools
Other BorderTrip Tools for planning EU and Schengen travel:
- Schengen 90/180-day calculator — track how many days you have left in the rolling 90-in-180 window before you overstay.
- Travel insurance claim process guide — see the filing deadlines and proof-of-loss steps for the major insurers before your claim window closes.
- Flight delay compensation (EU261) checker — work out the fixed Article 7 payout you are owed when a flight is delayed or cancelled.