Travel Insurance if you need a Schengen Visa

Do you need travel and medical insurance for a Schengen Visa?
Purchase CoverForYou Schengen Travel Insurance online and get your certificate instantly!

Schengen Infographic

Secure your visa for the
Schengen Area | From just:

£7 per trip*

or

£47 for unlimited trips for a year*

Meets requirements from the EU including:

  • Schengen Visa compliant certificate of insurance
  • Over €5,000,000 cover for medical expenses
  • Valid in all Schengen Area Countries

Our policies also include cover for delayed departures, cancellation and curtailment, lost, stolen or delayed possessions, personal liability, loss of travel money and passport and legal expenses.

Get a Quote

What is Schengen Travel Insurance?

If you are resident in the UK on a visa (for example on a Student, Graduate, Skilled Worker or Family visa) and are from a country that doesn't have a visa free travel arrangement with the European Union you'll need to apply for a Schengen Visa to travel to Europe.

When you apply for a Schengen visa you'll need to provide proof that you hold travel insurance that is valid for the whole of the Schengen zone, for your entire trip and in a specific format.

Our Schengen travel insurance offers coverage for both travel and medical expenses in all 29 countries of the Schengen Area. Whether you're exploring the continent or vacationing in a specific country within the Schengen Zone, CoverForYou Schengen Travel Insurance ensures you meet the insurance requirements for your Schengen visa.

Countries covered under Schengen Insurance (with a valid Schengen visa):

Austria, Belgium, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Please note that if you are planning to buy an annual multi-trip policy you can upgrade your policy to cover our Worldwide cover, insuring all your trips for the year for one price, including a schengen visa compliant certificate of insurance.

Why do I need travel insurance to visit Europe?

To obtain a Schengen Visa, you must have insurance that covers medical expenses up to £30,000 across all Schengen states. The simplest way to meet this requirement is by purchasing Schengen travel and medical insurance from a trusted provider like CoverForYou.

While travellers from countries like the U.S.A., Mexico, Brazil, and Canada don’t need a Schengen Visa, it's still highly recommended that you purchase travel insurance. This ensures that medical expenses or unexpected costs during your trip are covered. Plus, if you plan to visit multiple Schengen countries or want flexibility in your travels, this insurance gives you peace of mind across most European destinations.

* Both quotes last updated on the 25th November 2024 and based on an individual aged between 22 and 40 years old with no pre-existing medical conditions travelling to Europe. Quotes are based on a 3 day single trip and an annual multi-trip respectively on our Silver level of cover and include our maximum 20% loyalty discount.

It's more than just travel insurance

COVERFORYOU

BAGFINDER

More than a million checked-in bags get lost forever at airports globally every year. CoverForYou BagFinder is free with all of our policies and can prevent this from happening to you.

Read More
Suitcases

Introducing the Doctor Please! app

For minor medical issues, you can now speak to a UK doctor via a video call at a time and place convenient to you.

It's cheaper and more convenient than seeing a local private doctor and in most cases, they will be able to issue you a local prescription.

We don't believe in "new customer offers".

For us, it's all about rewarding loyalty.

So what makes CoverForYou Club special?

Save up to 20% on your travel insurance
100% FREE for policy holders
Exclusive offers, draws and discounts on the UK's most popular brands through our Discount Hub.
All of your policy details in one place

Already a policy holder?

Access the CoverForYou Club
Feefo logo Feefo Gold Trusted Service Award

Reviews

Great service re Medical change StarStarStarStarStar
Trusted Customer - August 11, 2025 - Annual Multi-Trip Travel Insurance

I recently was diagnosed with a new medical condition . I was concerned when i made the call that this would affect my travel insurance. However Dikra at C4U put my mind at ease very quickly and through emails being sent to me during the call my policy was updated seamlessly . Great Customer service .

Always very helpful StarStarStarStarStar
Sandra Jones - August 11, 2025 - Single Trip Travel Insurance

The gentleman I spoke to was very pleasant and understanding , he helped me update my policy very efficiently

Quick response StarStarStarStarStar
Trusted Customer - August 11, 2025 - Annual Multi-Trip Travel Insurance

Phoned to report a change in medical circumstances. I was dealt with quickly, pleasantly and quickly. Very impressed with the quick response to a possible change but I'm unable to say how good it would be if I were claiming. Hopefully just as easy and smooth

Excellent Customer Service StarStarStarStarStar
Edward Thorn - August 11, 2025 - Single Trip Travel Insurance

Excellent Customer Service.Christian was very professional and thorough in everything he did.I will definitely be recommending Cover For You.

Very helpful, thank you StarStarStarStarStar
Trusted Customer - August 11, 2025 - Single Trip Travel Insurance

Spencer was very helpful and helped me understand the cover provided by the policy for all family members and he answered the questions I had around recent medical treatments and that cover is provided by the policy for pre existing conditions provided they have been declared and we are not travelling again any medical advice. Thank you, you put my mind at rest. I purchased the policy following our discussion. 👍🏻

Honesty is the best policy StarStarStarStarStar
Trusted Customer - August 11, 2025 - Annual Multi-Trip Travel Insurance

Thought Nicky was great and honest

Great Service StarStarStarStarStar
Trusted Customer - August 10, 2025 - Annual Multi-Trip Travel Insurance

We have been with CoverForYou for a number of years and having never had any issues with the service provided chose to renew our annual policy. Initially not being able to renew online Susie was able to sort our policy renewal with ease, answering any questions we had. Great customer service.

StarStarStarStarStar
Denise Patterson - August 10, 2025 - Annual Multi-Trip Travel Insurance

Quick service, very friendly and helpful staff

Easy to sort cover StarStarStarStarStar
Christina - August 10, 2025 - Single Trip Travel Insurance

Easy to use including adding medical conditions. Seems a good price 👍🏻

Trusted and reliable StarStarStarStarStar
Josephine Scott - August 10, 2025 - Single Trip Travel Insurance

Very easy to use for a quote and attractive pricing, especially no excess

Highly recommend StarStarStarStarStar
Trusted Customer - August 9, 2025 - Single Trip Travel Insurance

Brilliant service ...quick and easy

Amazing customer service from Mikhala who went above and beyond 5 star plus StarStarStarStarStar
Trusted Customer - August 8, 2025 - Annual Multi-Trip Travel Insurance

I have just got off the phone with Mikhala and I wanted you to say how amazing Mikhala has just been . I have been with yourselves for a while as you guys were amazing when my husband couldn’t get travel insurance due to a brain tumour . Because of you we were able to have one last holiday together that didn’t break the bank . Anyway I called today regarding my renewal and some questions . Michaela was friendly , patient and very informative and went through concerns I had regarding medical declarations and what I needed and was covered for. She saved me money , which in this crisis of living is welcomed but also the reassurance that I would be covered for what I needed . Please is there anyway you can extend my thanks to her for her kindness and empathy ? This lovely lady. Is an asset to your company and that is why I continue to be a customer as you have looked after me and my family over the years of family travel and solo travels . She also explained to me the App and what was available , I’m literally going to check that out now . Anyway once again huge thanks to Mikhala who has literally made my day.

Renewed again! StarStarStarStarStar
Trusted Customer - August 8, 2025 - Annual Multi-Trip Travel Insurance

Easy and straightforward

I called up to change medication and inform them I broke my ankle. StarStarStarStarStar
victoria wheeler - August 8, 2025 - Single Trip Travel Insurance

I was very happy with the service i received today, I spoke to a gentleman named Charlie and he was very polite, patient and helpful. Charlie was helpful and asked questions regarding my change in medication and my broken ankle. It was sorted in 5 minutes.

Great customer service on a complex issue StarStarStarStarStar
Trusted Customer - August 8, 2025 - Annual Multi-Trip Travel Insurance

Outstanding customer service today. I rang to discuss a complex issue regarding my holiday insurance policy and the FCDO advisories in place to see the limitations against a future trip. Spencer took ownership of the problem, understood my concerns and gave me clear concise feedback.

StarStarStarStarStar
Melanie White - August 8, 2025 - Single Trip Travel Insurance

Service was great

was impressed how quick and easy i got my holiday insurance StarStarStarStarStar
Trusted Customer - August 8, 2025 - Single Trip Travel Insurance

easy as saying 123

Great Company, Policy and Team StarStarStarStarStar
Horatio Farquhar-Smith - August 8, 2025 - Annual Multi-Trip Travel Insurance

Attentive , Knowledgable, helpful - Dikra was clear about how the policy worked and my enquiry was dealt with with charm and good Humour - Thank you

Quick and efficient service StarStarStarStarStar
Trusted Customer - August 7, 2025 - Annual Multi-Trip Travel Insurance

I needed to bring forward the start date of my policy and the agent was both pleasant and efficient. The job was quickly done. It was easier than i thought it would be.

Review for Spencer at CoverForYou StarStarStarStarStar
Bridget Dignan - August 7, 2025 - Annual Multi-Trip Travel Insurance

Very good response and communication giving ease of mind Totally knew what needed to be done Thank you Spencer

Over
10 MILLION
insured

TravelMate

Bringing us with you has never been easier!

We've compressed everything that's unique about CoverForYou into one app to ensure you have instant access to everything you need on your travels.

Read more

Get TravelMate on the App Store Get TravelMate on the Play Store