Schengen Visa Travel Insurance

Nothing beats having the freedom to travel across borders with ease and avoid the hassle of waiting in long lines for passport and visa checks. That is why so many Australians choose to travel to the beautiful European locations that make up the Schengen Area.

Before you get started on your travel plans, it is important to find the right Schengen Visa Travel Insurance to cover you throughout your journey in these countries.

If you are looking for travel insurance that will meet visa requirements for travel within the Schengen region, insure4less may have the cover you need.

What is the Schengen Area?

The Schengen Area is the area comprising 26 European countries that have abolished passport and any other type of border control at their common borders, also referred to as internal borders.

It functions as a single country for international travel purposes, with a common visa policy. The area is named after the Schengen Agreement. Countries in the Schengen Area have eliminated internal border controls with the other Schengen members.

About the Schengen Area

How and why was the Schengen area formed in the first place? The Schengen Agreement was signed on 14 June 1985. This agreement was signed in the town of Schengen, Luxembourg hence the name.

The agreement was then supplemented in 1990 by the Schengen Convention where it was proposed that internal borders and common visa policy be abolished. The rules adopted in these agreements were entirely separate from the EU structures at the time and resulted in the creation of the Schengen Area on 26 March 1995.

It wasn’t until 1997 when this agreement was then absorbed into mainstream European Union law, as the popularity of EU member states signing the agreement increased.

Currently, 26 European countries participate in the Schengen Area which means that they function as a single country for international purposes. This area currently comprises of over 400 million people and an area of 4,312,099 square kilometres. Thanks to this agreement, travelling between these countries in Europe has become much easier for tourists.

Why Do You Need Schengen Travel Insurance?

Schengen Visa Travel Insurance is not just something you should consider before travelling to these countries, it is a necessity.

To obtain a visa to travel to these countries, you must hold adequate medical insurance that complies with the Schengen countries standards. The travel insurance you take out must also be valid for the entire duration of your travels to these countries.

Schengen Visa Travel Insurance with Insure4less

All of the insure4less travel insurance plans exceed the minimum requirements as required by the Schengen Visa Travel Insurance policy.

The Schengen visa requires that you have a medical travel insurance policy that will cover any costs of repatriation on medical grounds, urgent medical care, or emergency hospital treatment. The insurance policy must be valid for the entire Schengen Area and the entire duration of your stay, and it must provide minimum cover of €30,000. The Insure4Less plans all offer unlimited medical expenses cover.

The following is a list of countries that are Schengen members – simply select your area of travel as “Worldwide exc USA & Canada" and this will cover all member countries.


  • Austria
  • Belgium
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Italy
  • Latvia
  • Lithuania
  • Luxembourg
  • Malta
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland

Travel Insurance with insure4less

When you obtain Schengen Visa Travel Insurance with us, you can trust that you will have the medical cover you need to obtain a Visa to travel in the Schengen area.

You also won’t be out of pocket thanks to the cheap travel insurance we have available that gives you the cover you need. When you take out a travel insurance policy with us, you have the ability to be covered for:


  • Medical expenses while overseas
  • Terrorism / pandemics / epidemics / cruises
  • Gadgets / luggage / valuables / tickets / money
  • Activities and Sports including Snow Sports
  • Delays in travel and missed departures
  • One-way travel / Non-Australian residents living in Oz


When purchasing a policy from us, you can also expect the following:


  • Policies insured at Lloyd's of London
  • 10 day claim payment guarantee / 15 day money back guarantee
  • 24/7 emergency service
  • Secure website / no credit card charges / online access to your policy account


With all of these inclusions, you can’t deny that travel insurance from insure4less is a worthwhile investment to make before you depart on your travels.

Our cheap travel insurance should never be considered an unnecessary extra cost because it is a vital component of your travels that will provide you with financial assistance if a medical or travel related issue arises. Be sure to get a travel insurance quote online with us today!

Contact insure4less for Schengen Visa Travel Insurance

If you plan on visiting any of these countries during your travels, whether you are an international student, a holiday maker or travelling for business, simply get a Schengen Visa Travel Insurance quote today, but complete the form on this page.

If you would like more information about the insurance options we have available, visit our FAQ’s page. Alternatively you can send us an email at with any queries you may have.

The Benefits of the Schengen Area

Having the Schengen Area in place across a large number of countries in Europe provides many benefits to travellers and the European countries that are part of this agreement. The most significant benefits of the Schengen Area include:

Free Travel Between Borders

There are no border controls between the Schengen Area countries. This means that people are free to travel as they wish between these countries.

The experience of travelling between borders in these countries is the same as travelling between states in Australia where you don’t need to show any official documents when crossing borders. 

This means there is no need to worry about passport checks, visas and waiting in long lines at control points when moving between countries. This greatly reduces the hassle for anyone travelling in the Schengen Area as well as boosting the overall appeal for overseas travellers to visit these countries.

Easier for Foreigners to Get a Visa

If a person wishes to travel to multiple countries within the Schengen Area, there is only one common visa that is needed for visitors which applies to all Schengen countries.

There is no need for foreigners to figure out what visa they need when there is only one visa required across all countries. However it must be noted that once the visa expires, the person holding it will need to leave the entire Schengen Area.

Reduced Border Control Costs

Free travel across borders also frees up border control costs for countries who are part of the Schengen Area. This is because the borders no longer need to be patrolled.

Member countries also have shared costs when it comes to maintaining their external border controls and small countries don’t have a disproportionate cost to maintain their borders. 

Boosting Tourist Numbers

Anything that makes the process of visiting and exploring a country easier for travellers is bound to boost tourism numbers. The Schengen Area simplifies travel within Europe, making these countries more accessible to overseas visitors.

Free and open borders that are hassle free to travel between and a simple visa process has helped to improve tourist numbers and encouraged travel between these areas.

Quick Quote




Destination & Type of Cover Complete!

What type of cover are you looking for?

Single trip: Covers trips of up to a total of 365 days in total inc one way travel. Cover for snow sports activities can be included.

Annual multi trip: Covers you for an unlimited number of trips over a 12 month period up to a maximum duration of 31, 45, 62 or 93 days per trip after which you must return to Australia before commencing a new trip. Trips wholly within Australia are insured if they include at least one overnight stay and a minimum distance of 250kms from your place of residence. Each policy includes up to 23 days snow sports cover (on piste). If you are travelling over 93 days, please select a standard, single trip travel insurance quote.

Policy Type

Where are you travelling to?

Please select the region where you are travelling to: The countries covered under each region will appear when you select the region.

Travelling To

How many people should be covered?

Please select whether you are travelling as an individual, with your partner / friend (couple) ; as a family group where one of the children is under 18 years; as a group.


Maximum Trip Length

Travel Dates Complete!

I'd like my cover to start on

Please select the day that you commence your trip. You will be covered for claims that result in you having to cancel your trip before this date and therefore forfeit deposits paid - subject to the policy terms and conditions.

Cover Start Date

Cover Start Date

And it should end on

Please select the date that you plan to return back into Australia or if you are on a one way trip - the date that you will arrive in your final destination.

Cover End Date

Travellers planning to stay in the United States (not Canada) for 365 days or more: Following recent healthcare reforms in the United States we are unable to insure travellers who are planning to be in the United States (not Canada) for 365 days or more.

Cover End Date


Will you be travelling to countries outside of the USA & Canada?

If you plan to visit the USA or Canada more than once during your trip, please calculate the total number of days you will be there. Then enter the date leaving USA or Canada as the total number of days from the date arriving.

For example: You will be in the US from 1st March to 31st March (31 days) and 10th October to 26th October (17 days) = 48 days in total. So you would have a start date of 1st March and an end date of 17th April. Ie 48 days. You will receive your certificate in an email, so simply reply to the email advising the correct dates of travel within USA or Canada and we will endorse the policy accordingly.

Following healthcare reforms in the US we cannot insure travellers who are planning to stay in the USA (not Canada) for 365 days or more.

Date arriving in USA/Canada

Date leaving USA/Canada

Travellers Complete!

In order to obtain the best value, you should include a least one adult in each policy. The maximum number of travellers we can insure under one quote/policy is 50. If you have more than 50 then you should obtain more than one quote but ensuring that there is an adult in each subsequent quote.

Please note that ages are at the date of obtaining the quote, not the date of travel.

Traveller's Age

We can insure travellers up to and including 90 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.


We can insure travellers up to and including {maxAge} years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Traveller's Age

We can insure travellers up to and including 90 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 21 to 35 years

Adults 36 to 50 years

Adults 51 to 55 years

How many people should be covered?

We can insure travellers up to and including 90 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 56 to 60 years

How many people should be covered?

We can insure travellers up to and including 90 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 61 to 65 years

Adults 66 to 70 years

Adults 71 to 75 years

Adults 76 to 80 years

Adults 81 to 85 years

Adults 86 to 90 years

Children under 21 in a family

Other children under 21 years

For more info see our FAQs and Product Disclosure Statement.