Schengen travel insurance is an essential policy for entering Europe. It guarantees your financial peace of mind against any medical emergency and is an unavoidable requirement for entry into the Schengen Area, whether you need a visa or travel exempt from one…
Schengen travel insurance is an essential policy for entering Europe. It guarantees your financial peace of mind against any medical emergency and is an unavoidable requirement for entry into the Schengen Area, whether you need a visa or travel exempt from one.
⚠️ Important: The Basic Plan (USD 20K) is not valid for travel to Europe/Schengen. The Schengen Agreement requires a minimum coverage of €30,000. For this destination, choose the Standard Plan (USD 35K) or higher.
What is Schengen Travel Insurance and Why Do You Need It?
What exactly is Schengen travel insurance?
Schengen travel insurance is a mandatory international medical insurance policy for all travelers wishing to enter the 29 countries that comprise the Schengen Area. Its main purpose is to protect the traveler from unexpected expenses that may arise due to medical emergencies, accidents, illnesses, or even the need for repatriation during their stay in Europe.
This insurance is not a mere whim; it is a fundamental requirement established in the Schengen Visa Code. It requires a minimum coverage of EUR 30,000 (thirty thousand euros) for medical expenses, hospitalization, and repatriation, and it must be valid for the entire duration of your trip. Furthermore, it is crucial that the policy has no deductible, ensuring that all expenses within the coverage limits are covered by the insurer from the first euro.
For many Latin American citizens, especially those from countries like the Dominican Republic, Bolivia, and Ecuador, Schengen insurance is not an option, it is a mandatory requirement for your visa application to be accepted. But even for those who do not need a visa, the recommendation is the same: purchase it. Baraglo offers plans that not only meet but far exceed this requirement, providing you with the peace of mind and security you need to enjoy your European adventure. Get a quote for your Schengen insurance now and travel protected with Baraglo.
Is it mandatory for all travelers from Latin America?
The mandatory nature of Schengen travel insurance has important nuances depending on your Latin American nationality. It is vital to understand the difference between being a requirement for a visa application and being an entry requirement for the country.
For citizens of countries that do need to process a Schengen visa – specifically Dominicans, Bolivians, and Ecuadorians – travel insurance is an INDISPENSABLE document to present at the consulate of the European nation you plan to visit. Without a policy that meets all requirements, your visa application will be automatically denied. At Baraglo, our 'Visa Schengen' Plan, costing only $2.99 USD per day, is specifically designed to meet the minimum $30,000 USD coverage required and is perfectly valid for this process. You can learn more about the requirements for a Schengen visa from Latin America.
Now, what about travelers from visa-exempt countries, such as Colombia, Argentina, Mexico, Chile, Peru, or Uruguay? If you are from Colombia, Mexico, or Argentina, even if you travel without a visa, an immigration officer in Europe may require your insurance policy with a minimum coverage of €30,000 upon arrival to allow your entry. Even if you don't need it for a visa application, this insurance is an ENTRY REQUIREMENT that the immigration authorities are empowered to request at any time. Not having it can result in a denial of entry and your return home, completely ruining your travel plans.
Our recommendation for those traveling visa-exempt is to go beyond the minimum. Opting for the Standard Plan ($35,000 USD coverage for $4.99 USD per day) or, ideally, the Essential Plus ($50,000 USD coverage for $5.29 USD per day), will give you much greater peace of mind and superior protection against eventualities that, in Europe, can be extremely costly.
Key requirements your Schengen insurance must meet
To ensure that your policy is valid and complies with Schengen Area regulations, your travel insurance must meet the following requirements:
- Minimum Coverage of €30,000 EUR: This is approximately $32,000 USD, depending on the exchange rate. This coverage must be for emergency medical expenses, hospitalization, and repatriation. Warning: Baraglo's Basic Plan (USD 20,000) DOES NOT MEET the Schengen requirement. You must choose at least the Visa Schengen Plan (USD 30,000) or the Standard Plan (USD 35,000).
- Validity Throughout the Schengen Area: The policy must be valid in all 29 member countries of the Schengen Area for the entire duration of your trip, from your arrival day to your departure day.
- Repatriation Coverage: It is essential that it includes the costs of transport or repatriation of your body in case of death, as well as medical transport in case of serious illness or accident.
- No Deductible: The policy must not have a deductible. This means that the insurer must cover expenses from the first euro, without you having to bear an initial part of the costs.
- Continuous Validity: Your insurance must cover your entire stay in the Schengen Area. If your trip is extended, you must extend the coverage.
All our Baraglo plans, from 'Visa Schengen' and 'Standard' onwards, are designed to meet and exceed these requirements, offering you the guarantee that your entry into Europe will be seamless. You can see a complete list in our travel insurance plans.
How much does Schengen Area insurance cost with Baraglo?
Traveling to Europe with the peace of mind of Schengen insurance is more accessible than you imagine, especially with Baraglo. We compare the prices of our most popular plans so you can see the affordability versus the importance of coverage:
For a visa applicant (Dominicans, Bolivians, Ecuadorians):
- Visa Schengen Plan: Offers the minimum required $30,000 USD coverage by European embassies for only $2.99 USD per day. This plan is your passport to visa approval. For only $2.99 USD a day, Baraglo's Visa Schengen Plan meets the mandatory requirement of European embassies.
For visa-exempt travelers (Colombians, Argentinians, Mexicans, Chileans, etc.) or for those seeking greater protection:
- Standard Plan: With $35,000 USD coverage, this plan is ideal for superior peace of mind and costs $4.99 USD per day. It's an excellent option to cover the minimum required and have an extra cushion.
- Essential Plus Plan: For $5.29 USD per day, you get robust coverage of $50,000 USD. This is our most recommended plan for most travelers, offering a perfect balance between cost and benefits.
- Premium Plan: For maximum protection, this plan offers $100,000 USD coverage for $8.99 USD per day. It's the perfect option for those seeking the highest security and peace of mind.
Consider that the cost of a night of hospitalization in Europe can amount to thousands of euros, not counting treatments, surgeries, or repatriation. A small daily investment in insurance can prevent financial ruin. The cost of insurance is a minimal fraction of your trip budget and a great investment in your safety.
Baraglo comparative plan table for Europe
| Baraglo Plan |
Medical Coverage |
Approximate Daily Cost |
Ideal For |
| Visa Schengen |
$30,000 USD |
$2.99 USD |
Dominicans, Bolivians, Ecuadorians (visa process) |
| Standard |
$35,000 USD |
$4.99 USD |
Visa-exempt travelers, greater peace of mind |
| Essential Plus |
$50,000 USD |
$5.29 USD |
Travelers seeking an optimal balance between coverage and price |
| Premium |
$100,000 USD |
$8.99 USD |
Maximum protection and additional services |
Remember that for travelers over 75, a surcharge of +50% applies. Don't let an emergency ruin your trip or your finances! Click here to get a quote for your Schengen insurance with Baraglo and travel without worries.
How to get your Schengen insurance certificate instantly
Getting your Schengen travel insurance certificate with Baraglo is a quick, simple, and completely digital process. Follow these steps and you'll have your policy in minutes:
- Go to Baraglo's Schengen Insurance Page: Head to our specific section for Schengen insurance.
- Enter Your Travel Details: Enter the exact start and end dates of your trip, as well as the ages of all travelers. This allows us to calculate the precise price and coverage options.
- Choose Your Ideal Plan: Based on your nationality and needs, select the plan that best suits you. If you need a visa, the 'Visa Schengen' is your option. If you're looking for greater protection, opt for the 'Standard', 'Essential Plus', or 'Premium'.
- Make Secure Payment: Complete your purchase using our secure payment methods.
- Receive Your Policy and Certificate: Immediately after payment confirmation, you will receive your insurance policy and travel certificate (in PDF format) directly in your email. This document is ready to be printed and presented at the consulate or at immigration control in Europe.
With Baraglo, protection for your trip to the Schengen Area is just a few clicks away. Travel with peace of mind, travel safely.
Why contract with Baraglo?
Choosing Baraglo for your Schengen travel insurance means opting for safety, convenience, and unparalleled support. Here are three compelling reasons:
Competitive Prices and Approved Coverage: We offer plans designed to meet and exceed the requirements of the Schengen Area starting from just $2.99 USD per day. We guarantee that our policies are accepted by European embassies and immigration officials. Furthermore, we not only cover the minimum, but we also provide options with superior coverage that will protect you against any eventuality.
Extensive Coverage for your Peace of Mind: Beyond the essential minimum, our plans such as Standard, Essential Plus, and Premium offer extended coverage that includes medical assistance for COVID-19 (even if you are over 75 with the corresponding surcharge), emergency dental coverage, medication expenses, legal assistance, baggage coverage, and much more. Everything designed so you only have to worry about enjoying your trip.
24/7 Traveler Support in Spanish: We know that emergencies have no schedule or language barrier. With Baraglo, you will have access to traveler assistance available 24 hours a day, 7 days a week, in your own language. Our team will always be ready to help you, no matter where you are in Europe, providing you with the peace of mind of a quick and effective response.
Don't leave your travel safety to chance. Get a quote for your insurance with Baraglo today and embark on your European adventure with the confidence of being fully protected.
Frequently asked questions
What happens if I travel to Europe without Schengen insurance?
You run the risk of being denied entry to the Schengen Area at immigration control. If you manage to enter and have a medical emergency, you will have to cover expenses yourself, which can amount to tens of thousands of euros.
What is the difference between Baraglo's Visa Schengen Plan and the Standard Plan?
The Visa Schengen plan ($2.99/day) offers the minimum $30,000 USD coverage required for visa applications. The Standard plan ($4.99/day) gives you superior coverage of $35,000 USD, offering more peace of mind for a small difference.
Does Schengen travel insurance cover COVID-19?
Yes, Baraglo's plans suitable for the Schengen Area (Standard, Essential Plus, and higher) include coverage for medical assistance in case of COVID-19 infection during your trip.
Do I need insurance to travel to the United Kingdom or Ireland?
The United Kingdom and Ireland are not part of the Schengen Area, so Schengen insurance is not an entry requirement. However, due to the high cost of healthcare, it is highly recommended to purchase travel insurance.
Don't leave your travel safety to chance. Purchase your Schengen travel insurance with Baraglo today and travel with complete peace of mind.
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