Schengen visa insurance requirements and how this plan meets them.
Everything your embassy needs to see on your insurance certificate, explained in plain language — plus exactly how EuropeTravelPlus compares to the legal minimum.
| Requirement | Schengen minimum (Article 15) | EuropeTravelPlus |
|---|---|---|
| Medical & hospitalization | Minimum €30,000 (≈ $50,000) | Up to $2,000,000 — pays 100% after the $0 deductible |
| Geographic validity | Valid across the entire Schengen Area, not just one country | All 29 Schengen states, plus select wider Europe |
| Trip duration | Covers your full intended stay, first day to last | 5 days to 12 months, matched to your travel dates |
| Medical repatriation | Must be included | Emergency evacuation up to $300,000; repatriation of remains up to $50,000 |
| Authorized insurer | Issued by an insurer authorized in a Schengen member state | Underwritten by SiriusPoint (A Excellent, AM Best), administered by IMG |
| Proof for the embassy | Certificate submitted with your application | Instant, embassy-formatted visa letter emailed after purchase |
29 countries, one policy
Your EuropeTravelPlus certificate names the entire Schengen Area — no need to buy separate coverage per country.
Also covers — other European countries
Beyond the Schengen Area, your coverage extends to select other countries in Europe, including: United Kingdom, Ireland, Cyprus, Andorra, Monaco, San Marino, Vatican City, Albania, Bosnia and Herzegovina, Kosovo, Moldova, Montenegro, North Macedonia, and Serbia. The plan is not available for travel to Belarus, Russia, or Ukraine, and includes incidental US coverage up to 14 days while transiting to or from Europe. Confirm coverage for a specific country in your Certificate of Insurance before you travel.
What your certificate looks like — and when you get it
The moment your purchase is confirmed, a PDF certificate is emailed to you showing your name, coverage dates, your chosen coverage maximum (up to $2,000,000), the Schengen Area validity statement, and repatriation coverage — everything a visa officer checks during document review. Print it or show it on your phone at your appointment.