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How to Avoid Schengen Visa Rejection Due to Insurance Mistakes?

Team AckoSept 11, 2025

The best way to avoid Schengen visa rejection due to insurance mistakes is to ensure you have sufficient coverage. It is a mandatory visa application requirement for all Schengen countries to have a minimum travel insurance coverage of €30,000.

However, the insurance is not limited to just coverage. To know more about the reasons behind Schengen visa rejection and how to prevent them, keep reading!

Contents

6 Tips to Consider to Avoid Schengen Visa Rejection
What are the Schengen Visa Rejection Reasons for Indians?
How to Prevent Schengen Visa Rejection?
Final Words
Explore More
Frequently Asked Questions

6 Tips to Consider to Avoid Schengen Visa Rejection

Purchasing travel insurance is mandatory for Indians applying for a Schengen visa. While the chances of getting a Schengen visa after rejection exist, the reapplication process can delay trips. So, to avoid Schengen visa rejection, follow these tips, and opt for ACKO Travel Insurance for end-to-end support and full compliance with visa requirements.

1. Ensure Sufficient Coverage

As per visa mandates, having Schengen travel insurance coverage for a minimum of €30,000 is necessary to cover unforeseen medical emergencies, trip cancellations, and baggage loss. Anything less than this could result in a Schengen visa application rejection.

2. Specify Accurate Coverage Dates

Validity of the travel insurance starts from the day you enter a Schengen country and ends the day you leave. These dates indicate how long you will be covered. If the dates mentioned on your travel insurance document are inconsistent with the dates of your travel, your visa might get rejected.

3. Provide a Detailed Itinerary

Providing a detailed itinerary ensures that you are covered for every place you plan to visit. For example, after reaching Germany, you want to visit Prague and Austria. Not explicitly mentioning the names of these countries might interrupt the visa application process.

4. Check for Emergency Evacuation and Repatriation Coverage

Ensuring that your travel insurance covers emergency evacuation and repatriation will reduce the possibility of visa cancellation. Host countries want their tourists to have such coverage to reduce strain on their domestic resources.

5. Attach Travel Insurance Certificate

In addition to having travel insurance documents, you need a travel insurance certificate. Insurers such as ACKO provide the certificate immediately after the purchase is complete.

6. Keep Away from Unrecognised Insurers

Choosing recognised and IRDAI-approved insurers is ideal. IRDAI guidelines ensure that the policyholder is protected by the insurer whenever a travel-related or medical emergency occurs. Visa officials also check whether the insurer is recognised to ensure its reliability.

What are the Schengen Visa Rejection Reasons for Indians?

In 2024, India ranked third with 1.65 Lakh Schengen visa cancellations. This led to a financial loss of approximately ₹136 Crore in non-refundable visa fees. Knowing the reasons why a Schengen visa is rejected for Indians could assist in avoiding such an occurrence:

1. Invalid passport

Your passport needs to be valid for at least 6 months before the travel date and have at least two blank pages. Additionally, a damaged or torn passport could result in Schengen visa rejection.

2. Invalid Travel Insurance

Schengen travel insurance with lesser coverage than €30,000 and wrong travel dates could disrupt the visa application procedure.

3. Incomplete Visa Application

It is best to ascertain that you are submitting all the necessary documents since an incomplete visa application can lead to rejection.

Indian passport holders need to submit the following while applying for a Schengen visa:

Filled-out visa application form
Visa application appointment confirmation
Valid passport
Travel insurance Policy certificate and documents
Financial statement
2 passport-size photographs (measuring 35mm x 45mm)
Cover Letter (mentioning the purpose of the visit)
Copies of Passport pages
Aadhaar and PAN card copies
Flight details
Travel itinerary

4. Incoherent Travel Information

Incoherent travel information could result in a Schengen visa rejection. Information such as accommodation details and flight booking details needs to be properly aligned.

5. Lack of Funds

Travelling to a Schengen country requires you to show sufficient funds that could cover at least €100-€200 per person per day. Based on the trip duration, you have to show enough funds towards its support. Lack of funds could end up in a cancelled visa.

6. Unclear Purpose of Travel

Travel purpose needs to be stated in a crisp, precise manner. Whether you are visiting your friends or family, want to travel as a tourist, or for any other reason, you need to specify that. An unclear travel purpose often gets a visa cancelled.

7. Record of Visa Violations

If you have a record of previously violating visa regulations, your visa may be rejected. So steer clear of such activities.

How to Prevent Schengen Visa Rejection?

Take these measures to prevent Schengen Visa Rejection:

Confirm that your travel insurance documents are in sync with travel dates.
Ensure your passport is valid.
Accumulate funds as per visa requirements (€100-€200 per day).

Final Words

A trip to a Schengen country demands time, effort, and money, only to be ruined by a Schengen visa rejection. You can easily avoid this by ensuring adequate travel insurance coverage, valid IDs, sufficient funds, and accurate travel dates.

Moreover, with ACKO Travel Insurance handling your health and travel emergencies, you can explore the beautiful countries with confidence and peace of mind.

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Frequently Asked Questions

How can I ensure that my Travel Insurance is Valid for a Schengen Visa?

Your Schengen travel insurance must cover a sum of €30,000; this amount will cover all kinds of medical or travel-related emergencies. Additionally, if you put the wrong travel dates, this could interrupt the visa application procedure.

Besides a Valid Travel Insurance, what else do I need to avoid Schengen Visa Rejection?

You must have proof of sufficient funds to confirm that you can bear the expenses throughout your stay in the Schengen region.

How Do I Compare Schengen Travel Insurance?

To compare Schengen travel insurance from different insurers, you need to check whether the minimum coverage is €30,000 or not, and whether the insurer offers repatriation and emergency evacuation cover. If these boxes are checked and the premium is affordable, it is a green signal.

How long ago do I need to purchase Travel Insurance?

Getting travel insurance at least 14 days before your travel date is ideal. Since you are applying for a Schengen visa, which again takes time to approve, purchasing the travel insurance as soon as possible is a great idea.

Can Someone with a Criminal Record get a Schengen Visa?

Once you submit your Schengen visa application, it undergoes rigorous verification. During this time, if criminal records are found, there is a high chance that the application will be rejected.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the Internet and is subject to change. Please check the policy document for cancellation reasons and the terms and conditions of the policy.