Traveling to Europe is a dream, but to make it a reality, it's essential to meet all requirements. One of the most important is the 30,000 euro Schengen insurance, a mandatory policy that guarantees your prote…
Traveling to Europe is a dream, but to make it a reality, it's essential to meet all requirements. One of the most important is the 30,000 euro Schengen insurance, a mandatory policy that guarantees your protection and compliance with migratory regulations. At Baraglo, we offer plans that not only meet this requirement but also give you the peace of mind you deserve to enjoy your European adventure to the fullest.
⚠️ 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.
Schengen Insurance of 30,000 Euros: The Coverage You Need for Europe
What is the 30,000 euro Schengen insurance and why is it mandatory?
The Schengen Area is one of the great marvels of modern travel. Composed of 29 European countries, it allows free movement across its internal borders, meaning that once you enter one of its member countries, you can travel to the others without going through immigration controls. Countries like Spain, France, Italy, Germany, and Portugal are part of this agreement, making it easier for Latin American tourists to explore multiple cultures in one trip. However, to access this privilege, there are clear rules designed to protect both travelers and host countries.
The mandatory nature of travel insurance is not a suggestion, but a legal mandate. Regulation (EC) No 810/2009 of the European Parliament establishes travel insurance with a minimum coverage of 30,000 euros as a mandatory requirement to obtain a Schengen visa or to enter the area. This regulation aims to ensure that any foreign visitor has the financial capacity to cope with unforeseen medical events without becoming a burden on the public health systems of the host country, which are funded by their taxpayers.
The primary purpose of this €30,000 policy is threefold:
- Emergency medical expenses: Cover the costs of a medical consultation, treatment, or medication if you suffer a sudden illness or accident during your trip.
- Hospitalization: Guarantee the payment of expenses if you need to be admitted to a hospital, whether for emergency surgery like appendicitis or for intensive treatment.
- Repatriation: Cover the complex and high costs of a medical transfer back to your country of origin if your medical condition prevents you from taking a commercial flight, or funeral repatriation in the regrettable event of death.
It is crucial to understand that this requirement is verified at two key moments: First, during the visa application for citizens of countries that require it. Second, at immigration control upon arrival at the first airport in the Schengen Area. An immigration officer has the authority to request your proof of insurance and may deny your entry if you do not present it. Therefore, having a valid travel insurance for the Schengen Area is not an option, it is a necessity.
Who needs THIS 30,000 euro coverage?
The need for travel insurance with a minimum coverage of 30,000 euros applies to all Latin American travelers heading to the Schengen Area, but the time and manner in which it must be presented vary depending on nationality. At Baraglo, we understand these differences and therefore segment our communication so you know exactly what you need.
For Schengen Visa applicants (Dominicans, Ecuadorians, Bolivians)
If you are a citizen of the Dominican Republic, Ecuador, or Bolivia, travel insurance is a fundamental part of your visa application file. For citizens of the Dominican Republic, Ecuador, and Bolivia, presenting the insurance certificate is a non-negotiable step in their Schengen visa application. Without this document, the corresponding consulate or embassy will not even accept your application for review. It is not just another paper; it is proof that you are a responsible traveler and that you comply with European regulations.
The certificate you present must clearly specify:
- Your full name as it appears on your passport.
- The period of validity of the insurance, which must cover the entirety of your stay in the Schengen Area.
- The geographical coverage, indicating that it is valid for the entire Schengen Area.
- The breakdown of coverage, confirming that it reaches or exceeds 30,000 euros for medical assistance, hospitalization, and repatriation.
Our plans at Baraglo are designed to generate a certificate that complies with all these points, facilitating your process and increasing the chances of your visa being approved without complications. If you want to know more about the process, you can consult our guide on what Schengen visa is.
For Visa-exempt travelers (Colombians, Mexicans, Peruvians, Argentinians, etc.)
There is a common confusion among travelers from Latin American countries who enjoy visa exemption for short stays (up to 90 days) in the Schengen Area. Many believe that “visa-exempt” means “exempt from requirements,” and this is a dangerous mistake. Countries like Mexico, Colombia, Argentina, Chile, Peru, Uruguay, Costa Rica, and Panama do not need to process a prior visa, but they must comply with all requirements to travel to Europe at the time of entry.
Even if you are from a visa-exempt country like Mexico or Colombia, upon landing at Madrid-Barajas or Paris-Charles de Gaulle airport, the immigration officer has the authority to request proof of your 30,000 euro insurance policy to authorize your entry. Imagine the situation: after a long flight, you arrive at passport control and the officer asks you, in addition to your passport and hotel reservation, for your travel insurance. If you don't have it, you risk a "denial of entry," which means being returned to your country on the next available flight, losing all the money and excitement of your trip.
For this group of travelers, the insurance is not for a consular process, but for their own security and to comply with immigration law at the point of entry. Traveling without it is a very risky gamble that can ruin your plans before they even begin.
Baraglo Plans that Meet (and Exceed) the Schengen Requirement
At Baraglo, we have designed a range of travel assistance plans specifically for the needs of Latin Americans traveling to Europe. All our recommended plans for this destination meet and exceed the requirements of the Schengen Area, giving you clear and unambiguous options. Forget about fine print and policies that don't serve you; with us, you are safe. It is important to note that Baraglo's Basic Plan, with USD 20,000 coverage, is not suitable or available for travel to Europe, as it does not meet the legal minimum.
Our offer focuses on giving you exactly what you need:
Schengen Visa Plan: The exact requirement for only $2.99 USD/day
Designed for travelers who must apply for their visa (Dominicans, Ecuadorians, Bolivians). Baraglo's Schengen Visa Plan costs only $2.99 USD per day, meeting the €30,000 requirement and ensuring your peace of mind without affecting your travel budget. It offers USD 30,000 coverage, an amount fully accepted by consulates as equivalent to 30,000 euros. It is the smartest and most economical option to comply with the document requested by the embassy, ensuring that your application is not rejected for this reason.
Standard Plan: Greater peace of mind for everyone for $4.99 USD/day
This is our recommended plan for all Latin American travelers, especially for those exempt from visa. With USD 35,000 coverage, the Standard Plan gives you an additional margin of protection above the mandatory minimum. Considering that medical costs in Europe can be high, this extra provides greater peace of mind in the event of any unforeseen circumstances. For a small price difference, you travel with the confidence that you have a more robust backing.
Superior Plans: Maximum protection for the most cautious
For those who want to leave nothing to chance, we offer plans with even higher coverage. The Essential Plus Plan with USD 50,000 and the Premium Plan with USD 100,000 are ideal for long trips, families, people with pre-existing conditions, or simply for those who want the maximum possible protection. These plans not only expand the amount of medical coverage, but also often include better benefits in other areas such as lost luggage, trip cancellation, and more.
Below is a comparison table to help you choose the plan that best suits you:
| Baraglo Plan |
Medical Coverage |
Price per day* |
Ideal for |
| Schengen Visa |
USD 30,000 (equivalent to €30,000) |
$2.99 |
Meeting the visa application requirement (Dominican Republic, Ecuador, Bolivia). |
| Standard |
USD 35,000 |
$4.99 |
Visa-exempt travelers seeking more peace of mind and coverage beyond the minimum. |
| Essential Plus |
USD 50,000 |
$5.29 |
Family trips, longer stays, or travelers who want extra security. |
| Premium |
USD 100,000 |
$8.99 |
Maximum protection and peace of mind, with the highest coverage for any unforeseen event. |
*Prices in USD per day, per person. Travelers over 75 years old have a 50% surcharge on the rate.
Key Coverages of Your Travel Insurance for Europe
When you purchase travel insurance for Europe, you're not just buying a piece of paper to meet a requirement. You're investing in your peace of mind. The 30,000 euros of minimum coverage are intended to protect you from situations that could financially ruin your trip and your life. It's essential that you understand what essential protections your Baraglo policy includes.
These are the pillars of the coverage your Schengen insurance provides:
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Medical assistance due to accident or illness: This is the main coverage. Imagine you slip while visiting the Colosseum in Rome and fracture an arm, or you suffer food poisoning in Paris. Your insurance will cover the necessary medical fees, examinations, and treatments. Without insurance, a simple consultation and X-rays can cost hundreds of euros.
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Hospitalization expenses: If an accident or illness requires you to be admitted to a hospital, costs skyrocket. A day of hospitalization in countries like Germany or Switzerland can cost thousands of euros. The policy covers room expenses, nursing care, emergency surgeries, and any procedures you need during your hospital stay.
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Medical and funeral repatriation: This is one of the most important and least understood coverages. Medical repatriation covers the cost of a specialized medical transfer (such as an air ambulance) back to your country if your condition is serious and prevents you from returning on a commercial flight. On the other hand, funeral repatriation covers the costs and complex logistics of transferring remains home in the regrettable event of death, an immense relief for the family during a devastating time.
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Prescription medication: If a doctor prescribes antibiotics for an infection or strong painkillers for an injury, the insurance covers the cost of these medications.
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Emergency dental care: An acute toothache or a broken tooth can ruin any vacation. The policy covers emergency dental treatments to soothe pain or resolve an infection, allowing you to continue your trip.
All plans that Baraglo recommends for Europe, from the Schengen Visa Plan to the Premium, include these essential coverages. Your safety is our priority.
How to Get Your Schengen Insurance Certificate Instantly
At Baraglo, we have streamlined the process of purchasing your travel insurance. We know that you are busy planning your adventure, so obtaining your policy is a quick, transparent, and 100% online process. In less than five minutes, you can have your certificate ready to present.
Follow these three simple steps:
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Get a quote now: Go to our online quote tool. We will only ask for essential information: your country of origin, your destination (Europe/Schengen Area), the exact dates of your trip (from the day you depart to the day you return), and the age of each traveler. Our system will show you the available plans in seconds.
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Choose your plan: Easily compare the options we present to you. If you are applying for a visa, the Schengen Visa Plan is your best option. If you are looking for more peace of mind, choose the Standard, Essential Plus, or Premium Plan. The price you see is the final price, with no hidden costs or surprises.
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Receive your policy: Complete the travelers' details and make a secure payment with your credit or debit card through our encrypted platform. Immediately after payment confirmation, you will receive an email with your complete policy and your insurance certificate in PDF format, ready to download and print. This document is designed to be accepted by consulates and immigration authorities, including information in Spanish and English.
No need to wait days or talk to agents. Your peace of mind for traveling to Europe is just a few clicks away.
Don't risk your trip to Europe by not having the right coverage. Complying with the 30,000 euro Schengen insurance requirement is easy, fast, and affordable with Baraglo. Protect your investment, your health, and your peace of mind.
Get a quote and buy your travel insurance for Europe here and receive your certificate instantly!
Frequently Asked Questions
What is the minimum insurance coverage required to travel to the Schengen Area?
The mandatory minimum coverage is 30,000 euros. This amount must cover emergency medical expenses, hospitalization, and repatriation. All Baraglo plans from the Schengen Visa Plan upwards meet this requirement.
If I don't need a Schengen Visa, do I still need to buy the 30,000 euro insurance?
Yes. Even if you are visa-exempt (for example, if you are from Colombia, Mexico, or Argentina), travel insurance is still an entry requirement. Immigration authorities may request proof of your policy upon arrival in Europe.
Are Baraglo plans accepted by consulates and embassies?
Absolutely. Our plans are designed to meet all the requirements of the Schengen Area and are accepted by all embassies and consulates for visa processing. The certificate we issue contains all the required information.
Which countries are part of the Schengen Area?
The Schengen Area includes 29 European countries. Among those most visited by Latin Americans are Spain, France, Italy, Germany, the Netherlands, Switzerland, Portugal, Greece, Austria, and Belgium. Your Baraglo insurance covers you in all of them and more during the validity of your policy.
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