Schengen visa insurance: everything you need to know in 2025
Medical insurance is a mandatory condition for a Schengen visa. But not every policy qualifies: consulates have strict requirements, and a non-compliant document is a common reason for refusal. Here are the 2025 requirements.
Minimum consulate requirements
A Schengen visa policy must meet three conditions: coverage of at least €30,000, validity across the entire Schengen area (not just the destination country) and coverage of the whole stay with no deductible on basic risks.
The policy must cover emergency medical care, emergency hospitalisation and repatriation. This standard is set by the EU Visa Code.
Which dates to insure
The policy term must cover every day of the planned stay. For a multi-entry visa it's enough to insure the first trip when applying — but each following trip must be insured separately.
Tip: add 1–2 buffer days after your return date — a delayed flight shouldn't leave you uncovered.
How much it costs
For a traveller aged 18–59, a week of Schengen insurance costs from 200–400 UAH depending on the insurer and programme. Higher coefficients apply to children and travellers 60+.
Which policies consulates accept
An electronic policy bought online is accepted by all visa centres — print it and add it to your document package. It must state the coverage territory ("Schengen" or "Europe"), the coverage amount and the validity period.
Common insurance-related refusal reasons
Coverage below €30,000, a single-country policy, insurance not covering all trip days, or a policy from a company the consulate doesn't recognise. At Ensuria all Europe policies meet visa requirements by default — just pick the "Europe (Schengen)" destination.