Schengen travel insurance

Trips of over 90 days generally require a visa and adequate travel insurance.

Travel Insurance

Key takeaways

  • A requirement for obtaining a Schengen Visa is to have insurance covering you for medical costs of €30,000.
  • Travel insurance can cover you for unlimited medical expenses in all 27 Schengen countries.
  • You need to have travel insurance in place if you are travelling for more than 90 days.

Compare travel insurance for Schengen countries

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How needs travel insurance for the Schengen zone

The Schengen Zone is an area made up of 27 European countries and states 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. A common visa condition for trips that long is that you have travel insurance with at least €30,000 in medical benefits and repatriation back to Australia, including in the case of death.

Travel insurance brands that meet Schengen visa requirements for longer stays

Brand
Meets requirements?
Details of cover
Apply
  • Yes
  • Overseas Medical Expenses: Unlimited
  • Repatriation of remains: €30,000
Bonus
Get quote
  • Yes
  • Overseas Medical Expenses: Unlimited
  • Repatriation of remains: €30,000
Bonus
Get quote
  • No
  • Overseas Medical Expenses: Unlimited
  • Repatriation of remains: $15,000
  • No
  • Overseas Medical Expenses: Unlimited
  • Repatriation of remains: $20,000
Finder AwardBonus
Get quote
  • Yes
  • Overseas Medical Expenses: Unlimited
  • Repatriation of remains: Unlimited
  • Yes
  • Overseas Medical Expenses: Unlimited
  • Repatriation of remains: Unlimited
  • Yes
  • Overseas Medical Expenses: Unlimited
  • Repatriation of remains: $50,000
Finder AwardBonus
Get quote
  • Yes
  • Overseas Medical Expenses: Unlimited
  • Repatriation of remains: $50,000
Finder AwardBonus
Get quote
  • No
  • Overseas Medical Expenses: Unlimited
  • Repatriation of remains: $20,000
  • Yes
  • Overseas Medical Expenses: Unlimited
  • Repatriation of remains: Up to $60,000
Bonus
Get quote
  • No
  • Overseas Medical Expenses: Unlimited
  • Repatriation of remains: $15,000
Finder Award
Get quote
  • No
  • Overseas Medical Expenses: Unlimited
  • Repatriation of remains: Up to $20,000
  • No
  • Overseas Medical Expenses: Unlimited
  • Repatriation of remains: Up to $20,000
  • Yes
  • Overseas Medical Expenses: Unlimited
  • Repatriation of remains: Unlimited
  • Yes
  • Overseas Medical Expenses: Unlimited
  • Repatriation of remains: €30,000
  • No
  • Overseas Medical Expenses: Unlimited
  • Repatriation of remains: $20,000
  • Yes
  • Overseas Medical Expenses: Unlimited
  • Repatriation of remains:€30,000

Note: This information was last updated September 2023

Which countries are within the Schengen Agreement?

Frequently asked questions

Moira Daniels's headshot
To make sure you get accurate and helpful information, this guide has been edited by Moira Daniels as part of our fact-checking process.
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Travel Insurance Expert

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

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Co-written by

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

Gary Ross's expertise
Gary Ross has written 630 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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