Every Schengen visa application requires proof of travel insurance covering at least €30,000. This is not a recommendation — it is written into EU Regulation (EC) No 810/2009, and your application will be rejected without it.
What the policy must cover
- Minimum coverage of €30,000 (roughly USD 35,000) for emergency medical treatment and repatriation.
- Valid across all Schengen countries, not just the one you are visiting.
- Valid for your entire trip, from your entry date to your exit date.
- Emergency medical care and repatriation of remains in case of death.
- Ideally, 100% coverage with no excess or deductible — some embassies check for this specifically.
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Buying it from the UAE
You can buy a compliant policy online in a few minutes. The certificate you receive is the document you upload with your visa application — keep a PDF and a printed copy.
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Common mistakes that get applications rejected
- Buying a policy with coverage below €30,000 to save money.
- A policy valid for fewer days than the trip applied for.
- A policy that only covers one Schengen country instead of the whole area.
- Buying it too early and letting it expire before travel dates are confirmed.
Source: EU Regulation (EC) No 810/2009 (Schengen Visa Code), minimum insurance coverage requirement.
Travelling on to Georgia too? Georgia has its own separate insurance minimum (GEL 30,000) since January 2026 — see our Georgia visa and insurance guide for the difference.