Medical Coverage is Non-Negotiable
The only number that matters is emergency medical coverage. Look for minimum $100,000 and confirm emergency evacuation is included — budget policies frequently exclude this. A policy without evacuation coverage is nearly useless outside major cities.
Compare Insurance →Annual Policy Beats Multiple Singles
If you travel more than twice per year, an annual multi-trip policy is almost always cheaper. Annual policies cover unlimited trips up to 30-45 days each for 2-3× the cost of one single-trip premium. Calculate: if two trips cost more than the annual price, upgrade.
Get Quote →EU261 Compensation — Automatic Right
EU Regulation 261/2004 entitles all passengers on EU-departing flights to €250–€600 cash for delays over 3 hours, regardless of citizenship. Cancelled flight: full refund or rerouting plus cash. Airlines rarely inform passengers proactively — you must claim.
Claim Compensation →Schengen Visa Insurance Requirements 2026
Schengen visa requires minimum €30,000 medical coverage valid across all Schengen states for the entire trip duration. In 2026, consulates increasingly reject policies with exclusion clauses. Read the small print — coverage must be uninterrupted and start from day one.
Schengen Insurance →