Schengen insurance – how does insurance for Europe work?

What is the Schengen Treaty?

The Schengen Treaty is an agreement signed between the governments of 26 European countries, among which there is no border or customs control. Because of this, the objective of the agreement is to regulate the free movement of people who travel across borders of member countries.

Part of the Schengen Area: Germany, Austria, Belgium, Denmark, Slovakia, Slovenia, Spain, Estonia, Finland, France, Greece, Netherlands, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Czech Republic, Sweden, and Switzerland.

What is the Schengen area?

The Schengen area or zone is the territory formed by these 26 countries, which signed the treaty of free movement and customs control. In practice, if a Brazilian travels to more than one country belonging to the space, he will not need to present passports at the borders and will be able to move freely between these countries.

However, even so, there is an immigration control that is carried out in the first country that the tourist enters. It is noteworthy that the treaty does not correspond to the European Union space, as it encompasses other countries.

What is needed to enter the Schengen Area?

The good news is that Brazilians do not need a visa to enter any country belonging to the agreement, for a period of up to 90 days. If you will be staying for more than 90 days, doing some paid work or taking a course that issues a certificate of completion, in these specific cases you will need to apply for a visa.

To visit the European continent a visa is not required, but the visitor must follow some important and mandatory requirements, according to information from the Ministry of Foreign Affairs.

See below what they are:

  • Passport is valid for at least six months and for the entire duration of the trip. Therefore, check the validity of the document before traveling.
  • International Travel Insurance with medical coverage of at least 30 thousand euros.
  • Return ticket to Brazil by appointment.
  • Proof of hosting.
  • Proof that you can afford your stay in Europe, the equivalent of 60 euros for each day of stay. An international Credit Card or even an international prepaid card serves as proof.
  • Proof of employment in Brazil (if you have it, please present it).

As you can see, Travel Insurance is required for Schengen countries. But do you know why? See below.

What is the relationship between the treaty of Schengen and travel insurance?

One of the common measures adopted by the Schengen treaty countries is the requirement of Travel Insurance, with medical coverage of at least 30,000 euros. This common measure was established to avoid overloading the public health system in these countries, or even to ensure that tourists have the means to pay for medical care in the private network.

International Travel Insurance, as a rule, as determined by the Superintendence of Private Insurance – SUSEP, must cover medical, hospital and/or dental expenses; body transfer; health return, and medical transfer. However, most insurance also includes coverage for unforeseen events related to the trip itself, such as lost luggage, trip cancellation, early return, among other coverage.

Compare prices, insurers, and coverage on our website. We provide a free comparator where you can choose which insurance is best for your trip.

Is Schengen insurance mandatory to enter Europe?

Well, actually, according to Itamaraty (Brazilian Consular Portal), international travel insurance is considered a requirement for entry into the Schengen zone. It can be required at any time at any border where you are in the Schengen Area and the lack of it can create a lot of headaches as you may be denied entry into the country.

Therefore, if you do not have Schengen insurance you may be barred in a European country. Therefore, we can consider that his hiring is mandatory to travel through member countries. It is required at border controls and each country has a different way of treating its tourists. Therefore, never travel to Europe without Schengen Insurance.

What is the minimum amount of Schengen Insurance for Europe?

We have already mentioned above, but it is important to emphasize that Travel Insurance for Europe has to be at least 30 thousand euros. It is a determination and the coverage cannot be less. This means that if you take out insurance with lesser coverage, your entry into the old continent may be denied. That’s right! In the country of entry into Europe, you will need to have a valid insurance policy with the minimum coverage required.

Remembering that Travel Insurance, regardless of which insurance company you choose, must be hired in Brazil. It is not valid if you hire outside your home country or while traveling.

How to buy cheaper Schengen travel insurance?

Find the best Schengen travel insurance at the lowest price: compare prices and coverage. Get a free quote using our search engine and purchase the Travel Insurance that suits you best! We work with more than 10 of the largest insurance companies in the market. Access, make a quote and purchase your insurance online. The voucher arrives in the email or on WhatsApp. That simple.

Then tell us if everything went right on your trip! 😉

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