Insurance comparison for Schengen 2025 visa - what to choose?

Applying for a Schengen visa and wondering what to choose in 2025? A good policy is a prerequisite for acceptance of your application and peace of mind when traveling. In this guide, we do a practical insurance comparison. We explain what elements your policy must have, where the pitfalls lurk, and how to fit the coverage into your travel plans.

We focus on the criteria required by the consulates and the differences between popular offers. In the text you will find specific examples from the T&Cs and short checklists. This will help you choose the right policy for your 2025 Schengen visa faster.

The EU Visa Code requires insurance to cover emergency medical treatment and repatriation and be valid for the entire Schengen zone and the entire period of stay. The minimum sum insured is €30,000. Also check that the policy document is available after purchase right away to include with your application.

The policy should cover sudden illness, accident and medical transport to the country. Validity is required for all Schengen countries and continuity of coverage throughout the trip. In practice, it is advisable to select coverage from the day of entry to the day of departure, without interruption. See also which insurance required describe the consulates.

Choose policies with a 24-hour Emergency Center and a clear claim procedure. Some companies require you to contact assistance before incurring an expense, otherwise they may deny reimbursement. Also review deductibles, dental and repatriation limits and document language. It's worth checking the approximate insurance costs pre-purchase.

Below you will find a brief comparison of insurances available for Schengen visa application. Remember to always check the current T&Cs and territorial coverage. The differences are sometimes significant, especially in the limits and exclusions of liability.

In the T&Cs in effect as of March 1, 2025, sums of €30,000 and €60,000 are available. Example limits include emergency dentistry up to EUR 100 and repatriation and transportation of remains up to EUR 10,000, as well as purchase of a coffin up to EUR 800. The policy is recognized by embassies and shipped immediately after purchase. The age limit is usually up to 75 years, and assistance operates 24/7 upon prior notification.

In the 09.2025 documents, you will find variants for medical expenses from €40,000 to as much as €250,000. This is a good choice if you want higher limits and flexibility. Make sure the variant you choose covers the entire Schengen zone and the period indicated in the application. See the comparison Europ Assistance vs TUZ For practical details.

PZU and other insurers offer policies that meet visa requirements, often with additional options. Pay attention to the territory, sum and claim process. Avoid clauses with narrow repatriation limits or high deductibles. If you are applying to stay in Poland, get to know the differences with the residence card, as requirements may vary.

Start your insurance comparison with the fundamentals: sum, territory, duration of coverage. Then evaluate exclusions and assistance procedures. If you plan sports activities or have chronic diseases, check the necessary extensions. When you consider staying in Poland, also compare domestic variants and formal requirements in applications.

If price is a priority, start by comparing limits and deductibles across several options. It will be helpful to have our overview about which insurance costs you will encounter on the market. When you need broader protection, consider higher CL amounts and additional clauses.