Planning a trip to Europe is exciting, but before you pack your bags, securing a Schengen visa is essential—and with it, travel insurance is a non-negotiable requirement. But why is it mandatory? Let’s break it down.

The Schengen Agreement, which allows passport-free movement across 27 European countries, comes with a shared visa policy. To ensure travelers are financially protected in case of emergencies, all Schengen member states require applicants to submit valid travel insurance along with their visa application.

This insurance must cover:

• A minimum of €30,000 in medical expenses.

• All Schengen countries during your stay.

• Emergency medical care, hospitalization, and medical repatriation.

The main reason for this requirement is financial security and risk management. European healthcare is expensive. In case of an accident, illness, or medical emergency, uninsured travelers could face massive bills. Travel insurance ensures you receive proper care without burdening the host country's system.

Moreover, it protects both you and the Schengen states. If you miss flights, lose luggage, or face trip interruptions, your insurance can offer financial relief. For visa officers, seeing a valid policy assures them you’re a responsible traveler prepared for unforeseen situations.

In short, travel insurance is more than a formality—it’s a safety net that protects your health, finances, and visa approval. Without it, your application will be rejected.

So, as you plan your European adventure, make travel insurance your first step toward a smooth, secure journey.