🔑 Key Takeaway — What you need to know
Travel insurance for Europe costs between US$2.99 and USUSD $8.99 per day depending on coverage. Regulation EC 810/2009 requires a minimum of €30,000 in medical coverage to enter the Schengen area. Without insurance, your visa may be rejected or you could face out-of-pocket medical expenses of €5,000 to €50,000+.
How much does travel insurance to Europe cost in 2025?
The cost of travel insurance for Europe varies depending on the duration of the trip, the traveler's age, and the level of coverage. In 2025, prices range from US$2.99 per day for the Visa Schengen plan to USUSD $8.99 per day for premium coverage.
For a typical 15-day trip to Spain, France, or Italy, the total cost of insurance ranges between US$44.85 and US$134.85, a fraction of the cost of a medical emergency in Europe which can exceed €20,000.
How much does insurance to travel to Spain cost?
Insurance to travel to Spain costs the same as for any Schengen country, as the coverage is valid throughout the area. With Baraglo, a 15-day trip to Spain costs from US$44.85 with the Visa Schengen plan, which includes €30,000 of medical coverage, meeting all consular requirements.
Medical insurance for traveling to Europe: Is it mandatory?
Yes, travel medical insurance is mandatory to enter the Schengen area if you need a visa. Regulation EC 810/2009 establishes a minimum of €30,000 in coverage. Even if you don't need a visa (like Colombians, Mexicans, or Argentinians), it is highly recommended because European health systems charge full rates to non-residents.
What does Schengen Regulation EC 810/2009 require?
Regulation (EC) No 810/2009 of the European Parliament establishes the requirements for mandatory travel medical insurance for the Schengen visa:
Insurance Requirements according to Regulation EC 810/2009
| Requirement |
Detail |
Does Baraglo comply? |
| Minimum coverage |
€30,000 (approx. US$33,000) |
✅ From €30,000 (Visa Schengen plan) |
| Emergency medical expenses |
Hospitalization and surgery |
✅ Included |
| Medical repatriation |
Transfer to country of origin |
✅ Included |
| Repatriation of remains |
In case of death |
✅ Included |
| Geographical validity |
All Schengen countries |
✅ 27 countries |
| Validity |
Entire duration of trip |
✅ Customizable |
Price comparison: Europe travel insurance 2025
This is the updated price comparison for Europe travel insurance in 2025 with Baraglo On Trip Protect:
Europe Travel Insurance Prices — Updated 2025
| Plan |
Price/day |
Medical coverage |
15 days |
30 days |
| ⭐ Baraglo Visa Schengen |
US$2.99 |
€30,000 |
US$44.85 |
US$89.70 |
| Baraglo Basic |
USUSD $3.19 |
US$20,000 |
US$47.85 |
US$95.70 |
| Baraglo Standard |
USUSD $4.99 |
US$35,000 |
US$74.85 |
US$149.70 |
| Baraglo Premium |
USUSD $8.99 |
US$100,000 |
US$134.85 |
US$269.70 |
💡 Key fact: The Baraglo Visa Schengen plan is the most popular for travelers who need a visa because it precisely meets the €30,000 coverage requirement for only US$2.99/day — the lowest price on the market with guaranteed consular compliance.
Quote your insurance for Europe →
How much does a medical emergency in Europe cost without insurance?
Latin American health systems do not have agreements with European hospitals. This means that if you travel without insurance, you will pay private patient fees:
Medical Costs in Europe vs. Local Coverage by Country
| Country of origin |
Local system |
Covers in Europe? |
Emergency cost without insurance |
| 🇩🇴 Dom. Republic |
SNS / ARS |
❌ No |
€3,000 – €50,000+ |
| 🇨🇴 Colombia |
EPS / SISBEN |
❌ No |
€3,000 – €50,000+ |
| 🇲🇽 Mexico |
IMSS / ISSSTE |
❌ No |
€3,000 – €50,000+ |
| 🇦🇷 Argentina |
OSDE / Obra Social |
❌ No |
€3,000 – €50,000+ |
| 🇨🇱 Chile |
Fonasa / Isapre |
❌ No |
€3,000 – €50,000+ |
| 🇧🇷 Brazil |
SUS |
❌ No |
€3,000 – €50,000+ |
| 🇵🇪 Peru |
EsSalud / SIS |
❌ No |
€3,000 – €50,000+ |
| 🇪🇨 Ecuador |
IESS |
❌ No |
€3,000 – €50,000+ |
⚠️ Important: A simple fracture in Spain can cost €5,000. Hospitalization with surgery can exceed €30,000. Air medical evacuation from Europe to Latin America costs between €50,000 and €100,000.
What exactly does Europe travel insurance cover?
A comprehensive Schengen travel medical insurance includes these essential coverages:
🏥 Medical assistance
Consultations, hospitalization, emergency surgery, prescribed medications. Coverage from US$20,000 to US$100,000.
✈️ Medical repatriation
Medical transfer to your country of origin when necessary. Includes air ambulance and medical escort.
🧳 Luggage
Compensation for lost, stolen, or damaged luggage. Coverage from US$800 to US$2,500.
🦷 Dental emergency
Urgent dental treatment during the trip. Ideal for acute pain or accidents.
How to purchase travel insurance for Europe from Latin America?
With Baraglo On Trip Protect you can purchase your insurance 100% online in less than 5 minutes:
- Enter your travel dates — from and to when you travel.
- Select your destination — Europe/Schengen or another destination.
- Compare plans — Visa Schengen, Basic, Standard, or Premium.
- Pay by card — Receive your policy instantly by email.
- Travel protected — 24/7 assistance in Spanish from any country.
Frequently asked questions about travel insurance to Europe
How much does travel insurance to Europe for 15 days cost?
Travel insurance to Europe for 15 days costs between US$44.85 and US$134.85 depending on the plan. Baraglo's Visa Schengen plan with €30,000 coverage costs US$44.85 for 15 days (US$2.99/day).
Is travel insurance mandatory for the Schengen Visa?
Yes. Regulation EC 810/2009 requires medical insurance with a minimum coverage of €30,000, including medical expenses, medical repatriation, and repatriation of remains, to obtain the Schengen visa.
Does my EPS/IMSS/Fonasa cover me in Europe?
No. Public health systems in Latin America (EPS in Colombia, IMSS in Mexico, Fonasa in Chile, SUS in Brazil, ARS in DR, IESS in Ecuador) do not have international coverage. You need private travel insurance.
How much does insurance to travel to Spain from Colombia cost?
From Colombia, travel insurance to Spain costs from US$2.99 per day with Baraglo's Visa Schengen plan (€30,000 coverage). For a 15-day trip, the cost is US$44.85. If you prefer higher coverage, the Premium plan offers US$100,000 for USUSD $8.99/day.
What happens if I get sick in Europe without travel insurance?
Without insurance, you will pay private patient fees in European hospitals. An emergency consultation can cost €300-€500, hospitalization €5,000-€30,000, and air medical evacuation to Latin America between €50,000 and €100,000.
Can I purchase travel insurance on the same day as my flight?
Yes. With Baraglo, you can purchase your travel insurance online in less than 5 minutes and receive your policy instantly by email, even on the same day as your flight.
Protect your trip to Europe from US$2.99/day
Medical coverage up to US$100,000 · 24/7 assistance in Spanish · Instant policy
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