Schengen travel insurance

Compare travel insurance for Schengen countries

Who needs travel insurance for the Schengen zone

The Schengen Zone is an area made up of 29 European countries with open borders and a common visa policy. Australians can travel to, from and within the Schengen Zone for up to 90 days.

For trips longer than that, you'll need to get a visa with one of the individual Schengen countries. Each country sets its own insurance conditions for a long-stay visa. The €30,000 minimum for medical treatment and repatriation, including in the case of death, applies to short-stay Schengen visas of up to 90 days.

Travel insurance brands that meet Schengen visa insurance requirements

Brand	Meets requirements?	Details of cover	Apply
Medibank	Yes	Overseas Medical Expenses: Unlimited Repatriation of remains: $20,000 (€30,000 if you hold a Schengen visa)	Get quote
Freely	Yes	Overseas Medical Expenses: Unlimited Repatriation of remains: $20,000 (€30,000 if you hold a Schengen visa)	Get quote
Zoom	Yes	Overseas Medical Expenses: Unlimited Repatriation of remains: $25,000 (€30,000 if you hold a Schengen visa)	Get quote
Fast Cover	Yes	Overseas Medical Expenses: Unlimited Repatriation of remains: $20,000 ($60,000 if you hold a Schengen visa)	Get quote
Insure4less	Yes	Overseas Medical Expenses: Unlimited Repatriation of remains: Unlimited	Get quote
Travel Insuranz	Yes	Overseas Medical Expenses: Unlimited Repatriation of remains: Unlimited	Get quote
InsureandGo	Yes	Overseas Medical Expenses: Unlimited Repatriation of remains: $50,000 (up to €30,000 in Schengen countries)	Get quote
Tick	Yes	Overseas Medical Expenses: Unlimited Repatriation of remains: $50,000	Get quote
World2cover	No	Overseas Medical Expenses: Unlimited Repatriation of remains: Up to $20,000 (Top plan)	More info
Cover-More	Yes	Overseas Medical Expenses: Unlimited Repatriation of remains: Up to $60,000 (Comprehensive+ plan)	Get quote
Southern Cross	Yes	Overseas Medical Expenses: Unlimited Repatriation of remains: $50,000	More info
Travel Insurance Saver	Yes	Overseas Medical Expenses: Unlimited Repatriation of remains: $100,000	More info
Easy	Yes	Overseas Medical Expenses: Unlimited Repatriation of remains: $20,000 (€30,000 if you hold a Schengen visa)	Get quote
Stella	No	Overseas Medical Expenses: Unlimited Repatriation of remains: $20,000	Get quote
Australia Post	Yes	Overseas Medical Expenses: Unlimited Repatriation of remains: $20,000 (€30,000 if you hold a Schengen visa)	Get quote

Note: This information was last updated 28 September 2026. €30,000 is about A$48,100 (ECB reference rate of €1 = A$1.6032, 12 October 2026). Exchange rates change, so check the current rate before you apply for a visa.

Which countries are within the Schengen Agreement?

• Read the full list of Schengen Zone countries

  The states and countries that make up the Schengen Zone include:

  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • The Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece

  • Hungary
  • Iceland
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • The Netherlands

  • Norway
  • Poland
  • Portugal
  • Romania
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland

Frequently asked questions

• When should I purchase my Schengen travel insurance?

  It is highly recommended to purchase your Schengen travel insurance as soon as you book your trip. This ensures you are covered for unforeseen events like trip cancellation or delays before you even depart. You will also need proof of insurance when applying for your Schengen visa.

• What are the specific requirements for Schengen travel insurance beyond medical cover?

  In addition to the minimum €30,000 for medical expenses and repatriation, your Schengen travel insurance must meet other specific requirements. It must be valid for the entire duration of your planned stay and cover all member states within the Schengen Zone. The policy must also be valid for the full period of your intended stay.

• Does Schengen travel insurance cover pre-existing medical conditions?

  Cover for pre-existing medical conditions varies between insurers and policies. You typically need to disclose all pre-existing medical conditions during the application process. Some policies may offer automatic cover for certain conditions while others might require a medical assessment or an additional premium. Failing to declare a condition could result in your cover being voided.

• Can I extend my Schengen travel insurance if my trip runs longer than planned?

  It is generally possible to extend your existing travel insurance policy if your trip length changes. However this depends on your insurer and the terms of your specific policy. You must arrange the extension before your current policy expires. Keep in mind that for stays longer than 90 days you may also need to apply for a new visa.

• What documents do I need to show as proof of my Schengen travel insurance?

  For your Schengen visa application you will need to provide a certificate of insurance or your policy document. This document must clearly state your policy number the dates of cover the medical coverage amount and confirmation of repatriation cover. Ensure the document is in English or accompanied by an official translation.

• Does an annual multi-trip travel insurance policy satisfy Schengen visa requirements?

  Yes, an annual multi-trip travel insurance policy can satisfy Schengen visa requirements provided it meets all the specific criteria for each trip you take. This includes the minimum medical cover of €30,000 and repatriation. The policy must cover the full duration of each individual stay within the Schengen Zone.

• What happens if my Schengen visa application is rejected after I buy insurance?

  Travel insurance policies typically do not offer cover for visa refusal. Some comprehensive policies might provide limited cover for cancellation if specific conditions are met but this is rare. It is always advisable to apply for your visa well in advance of purchasing your travel insurance or booking non-refundable travel arrangements.

• Are there age limits when purchasing Schengen travel insurance?

  While not a Schengen visa requirement specific age limits are often set by individual travel insurance providers. Many policies have higher premiums or may offer limited cover for older travellers often for those aged 75 or 80 and above. Always check with your chosen insurer for their specific age restrictions and conditions.

• Does Schengen travel insurance cover non-medical emergencies like lost luggage or trip cancellations?

  Yes comprehensive Schengen compliant travel insurance policies usually include cover for a range of non-medical emergencies. This can include benefits for travel delays lost or stolen luggage or personal liability. Always refer to the PDS for the exact coverage details limits and exclusions of your chosen policy.

Written by

Jessica Prasida

Travel Insurance Expert

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Jessica Prasida brings a decade of experience in the travel industry, including over four years as a travel agent and branch manager at STA Travel. She holds a Bachelor of Business and a Master of Marketing from the University of Technology, Sydney, as well as a Tier 1 General Insurance qualification that complies with ASIC guidelines. An avid traveller herself, Jessica combines her professional expertise with a passion for ensuring safe and enjoyable journeys for all travellers. Jessica was a Travel Insurance Publisher at Finder from 2019 to 2024. See full bio

Co-written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

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Gary Ross has written 519 Finder guides across topics including:

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