Travel Insurance for Schengen Visa

Q: What’s the maximum trip duration covered?

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Q: How can I submit a claim?

More information on our Claim Page

Get your approved insurance certificate in minutes to support your Schengen visa application.

Everything you need for your trip to Europe

Enjoy a worry-free escapade to Europe with reliable travel protection. LUMA keeps you covered so you can focus on your journey.

Direct access to MediPro, our in-house medical team

A team of international doctors who can guide you if you’re unsure about local treatment.

Visa Compliant

Meets all embassy requirements: €30,000 minimum medical coverage, repatriation, and emergency assistance.

Worldwide Trust & Recognition

Accepted by all European embassies and consulates for Schengen Visa applications.

Buy Online and Get Instant Certificate

Get your insurance certificate immediately after purchase — perfect for last-minute Schengen Visa applications.

We've got you covered — Wherever you start your journey

At LUMA, we work with leading global insurers and assistance providers to make sure you’re protected — no matter where your trip to Europe begins. Whether you’re departing from Southeast Asia, Europe, the Americas, or elsewhere, we’ll match you with the plan that fits your travel route and visa requirements.

🛡️ We partner with trusted names like Baolong Insurance, Rock Mutual Insurance, Europ Assistance, and Swan International Assistance, so you can feel confident your certificate is valid and recognized.

💡 Just fill in your trip details — we’ll show you the right policy for your departure country and destination.

FAQ - Travel Insurance Schengen

Is travel insurance mandatory for a Schengen visa?

Yes — if your nationality requires a visa to enter the Schengen Area, you must provide proof of valid travel insurance as part of your application. The policy must meet specific criteria, including a minimum of €30,000 in medical coverage for emergency treatment, hospitalization, and medical repatriation.

What does Schengen travel insurance cover?

To meet Schengen visa requirements, your travel insurance must include:

Emergency medical treatment and hospitalization for at least €30,000
Medical evacuation or repatriation to your home country
Coverage for the entire stay within the Schengen area, from trip start to trip end date
Coverage for all Schengen countries

These requirements are set by the European Union to ensure you’re protected and not a financial burden to local healthcare systems during your trip.

Does my travel insurance need to cover all Schengen countries?

Yes, if you apply for a Schengen visa, your travel insurance needs to cover all Schengen countries. Even if you only plan to visit one country, your policy must be valid across the entire Schengen Area, which currently consists of 27 member countries. This ensures you are covered if your travel itinerary changes or if you transit through another Schengen country.

How long should my Schengen travel insurance be valid?

Your insurance must cover the entire duration of your intended stay in the Schengen Area. We recommend adding a few extra days to account for possible delays or changes in travel plans (including any delays due to your Schengen visa processing time).

What’s the maximum trip duration covered?

Up to 180 consecutive days per policy. For longer stays, explore our health insurance options.

Can I extend my travel insurance if I decide to stay longer?

No — once issued, the travel insurance policy cannot be extended.
If you wish to stay longer, you must purchase a new policy. To activate the new coverage, you would need to exit the Schengen Area and re-enter, as it’s not possible to issue a policy from within the Schengen Zone to cover an extended stay there.

Can I buy LUMA travel insurance after arriving in Europe?

No, coverage must start before your trip begins. It has to be purchased before departure for full protection.

Can I buy travel insurance after I receive my Schengen visa?

No. You must buy your travel insurance before applying for a Schengen visa, as the insurance certificate is a required document during the application process.
You cannot buy this travel insurance after receiving your visa or after arriving in Europe.

What if my Schengen visa application is denied? Can I get a refund for the insurance?

Yes — if your Schengen visa is officially refused, you can request a refund by submitting the visa rejection letter to our team, provided the policy has not started.

Can I get a refund if I cancel my trip before it starts?

Yes. If your policy hasn’t started yet and no claims have been made, you’re eligible for a full refund. Once the policy has begun, however, refunds are no longer possible.

Will I have to pay out of pocket for medical treatment?

For most treatments, you’ll need to pay upfront and submit your claim for reimbursement.

For larger bills over USD 1,000, we can arrange assistance and direct billing with the hospital whenever possible, subject to prior review and approval.

How can I submit a claim?

Please refer to the confirmation email you received after purchasing your policy. It includes detailed instructions on how and where to submit your claim, along with the required claims form and a list of supporting documents you’ll need to provide.

Do I still need insurance if I don’t need a visa to enter the Schengen Area?

If you’re a citizen of a visa-exempt country (eg the US, Canada, Singapore, etc), you don’t need insurance to enter. However, Schengen countries strongly recommend having coverage due to high healthcare costs in Europe.

Inquire or have additional questions

Reach out to our Team