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Travel insurance for a Schengen visa: the EUR 30,000 requirement

Insurance is one of the few requirements where the application is rejected on the spot if the paperwork is wrong. Here is what the policy actually has to say.

Last updated: 2026-08-15

Travel insurance is an absolute requirement for a Schengen visa, and it is checked when you submit. If it is wrong, it is not discussed — it is rejected.

What the policy must cover

• At least EUR 30,000 in medical cover
• The entire Schengen area, not just Norway
• The whole period you are applying for, with a few days' margin at each end
• Medical repatriation and repatriation in case of death

The most common mistakes

The policy covers Norway only. The amount is stated in baht rather than euros, with no way to see that it matches EUR 30,000. The dates cover the trip but not the full visa period applied for. Or: the document is a booking confirmation, not the policy itself.

Buy the insurance BEFORE the VFS appointment, but not before you know the dates you are actually applying for. A policy with the wrong dates is as useless as no policy.

The rest of the bundle

Insurance sits together with two other things that often go wrong at the same time:

• The flight: submit a reservation, not a purchased ticket. Nobody should spend money on a non-refundable ticket before the visa is granted.
• Accommodation: an invitation from your host, or a hotel booking covering the whole period.

All three should tell the same story about the same dates. If they diverge, it reads as something not adding up.