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Home / Travel Insurance / Articles / Travel Tips / Is Schengen Travel Insurance $250,000 Coverage Enough for a European Trip?
Is Schengen Travel Insurance $250,000 Coverage Enough for a European Trip?
Team AckoJan 12, 2026
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Yes, $250,000 coverage is enough for a European trip and comfortably exceeds the mandatory Schengen visa insurance requirement of €30,000. It not only fulfils visa conditions but also provides strong financial protection against high medical and emergency expenses across Europe.
When choosing Schengen travel insurance, the focus should go beyond minimum requirements to ensuring safety during unforeseen situations like hospitalisation, medical evacuation, or trip disruptions. With Europe’s rising healthcare costs, $250,000 coverage ensures peace of mind and comprehensive protection throughout your journey.
Contents
What are the Schengen Visa Travel Insurance Requirements?
Here are the key travel insurance requirements you must meet when applying for a Schengen visa:
Minimum Coverage of €30,000: Your travel insurance must provide at least €30,000 in coverage to meet Schengen visa requirements.
Valid Across All Schengen Countries: The policy should be accepted and applicable in every Schengen member state.
Covers Entire Travel Duration: Insurance must remain valid for the full length of your stay or transit within the Schengen Area.
Medical and Emergency Protection: It should cover costs related to medical emergencies, urgent treatment, hospitalisation, medical repatriation, or death during your trip.
Multiple-Entry Visa Coverage: For multiple-entry visas, the insurance must cover your first trip, with the option to renew for subsequent visits.
Recognised Insurance Provider: The policy must be issued by an insurance provider recognised by Schengen countries.
Why $250,000 Sum Insured Travel Insurance is a Good Choice for a Trip to Schengen Countries?
A Schengen travel insurance plan with a $250,000 sum insured is widely considered a safe and practical choice for travelling across Schengen countries. It is a good choice since:
1. Protection Against High Medical Costs
Medical treatment in Europe can be expensive, especially for emergencies, hospitalisation, or medical evacuation. A higher sum insured offers a strong financial safety net.
2. Protection Against Pre-Existing Diseases (PEDs)
Some insurers also cover PEDs in high-coverage travel insurance plans, provided you disclose all medical details upfront. In this context, opting for a digital insurer like ACKO Travel Insurance, which offers transparent policy terms and quick issuance, can help ensure seamless coverage throughout your European trip.
3. Offers Comprehensive Protection
Most $250,000 Schengen travel insurance plans include essential non-medical benefits such as trip cancellation, flight delays, lost baggage, and passport loss, offering comprehensive protection against baggage- and flight-related risks during multi-country European travel.
4. Exceeds Visa Requirements
Schengen visas require a minimum medical cover of €30,000 (around $40,000). A $250,000 Schengen travel insurance plan comfortably exceeds this mandate.
5. Ideal for Most Travellers
Whether you are travelling solo, with family, or on a multi-city itinerary, this coverage level is generally considered safe for all age groups.
6. Peace of Mind
For most people, travelling to multiple Schengen countries is a lifetime experience. Even if nothing happens during the trip, a high coverage Schengen travel insurance will allow you to enjoy your trip with a peaceful mind.
What Your Schengen Travel Insurance Must Mandatorily Include?
To ensure your safety, the European Union (EU) has set some minimum insurance requirements for the approval of a Schengen visa. Here is a list of them:
The sum insured in your travel insurance must be a minimum of €30,000 (approximately ₹31,74,330/ $35,164).
Your travel insurance policy must provide comprehensive coverage, including medical emergencies, evacuation, and third-party liabilities.
The travel insurance must be valid for your entire trip duration.
The travel insurance policy or your insurer must cover all 29 Schengen countries and must be able to provide comprehensive care throughout your trip.
ACKO provides specially designed Schengen travel insurance policies for your European trip. Buy your Schengen travel policy now and rest assured that all your Schengen visa insurance requirements are met.
The Bottom Line
A $250,000 sum insured travel insurance plan is enough to make you eligible for a Schengen visa and also enough to cover your emergency expenses in most cases. It goes up to 7 times the minimum required of €30,000. However, make sure your travel insurance plan offers coverage for all health, baggage, and travel-related risks in its $250,000 Schengen travel insurance plan.
Frequently Asked Questions
Is a $250,000 Coverage in Travel Insurance enough if I am planning to participate in adventure sports?
A $250,000 travel insurance coverage is generally sufficient for standard travel, but it may be inadequate if you plan to participate in adventure sports. Such activities carry higher injury risks and treatment costs. Opting for higher coverage, like $500,000, along with an adventure sports add-on, ensures better financial protection.
What is the minimum coverage in A Schengen travel insurance to get a Schengen Visa?
The minimum coverage in travel insurance that you need to get a Schengen visa is €30,000, which comes to approximately $35,200.
What types of coverage are available in a Schengen travel insurance?
Travel insurers offer multiple options in travel insurance where they offer coverage of $50,000, $100,000, $250,000, $750,000, and go up to $10,00,000.
Should the travel insurance for a Schengen Visa cover the entire trip?
Yes, as one of the mandatory requirements of a Schengen visa, you will only be eligible for a visa if the entire trip is covered under comprehensive travel insurance.
Should travel insurance cover all 29 Schengen countries?
Yes, as per the mandatory requirements of a Schengen visa, a Schengen travel insurance plan must be able to offer comprehensive coverage in all 29 Schengen countries.
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 changes. Please check the policy document for cancellation reasons, and terms and conditions of the policy.
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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 changes. Please check the policy document for cancellation reasons, and terms and conditions of the policy.
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