30000 euro travel insurance cost 2025: Ultimate Guide

Why Understanding Schengen Insurance Costs Matters for Your European Trip

30000 euro travel insurance cost typically ranges from $8 to $15 per week for basic coverage that meets Schengen visa requirements. Prices vary based on your age, trip duration, and chosen provider. Here’s a quick look:

• Short trips (7 days): $8-$15 for travelers under 40, rising to $15-$30 for those over 60
• Two-week trips: $16-$30 for younger travelers, $30-$60 for older travelers
• Monthly coverage: $30-$120 depending on age and policy maximum
• Plans start at just $1 per day for basic Schengen-compliant coverage

Planning a trip to Europe is exciting, but for Schengen visa applicants, travel insurance with a minimum of €30,000 medical coverage is mandatory. Without it, your visa application will be rejected.

The good news is this insurance is affordable. Costs depend on your age, trip duration, and coverage level. For example, a 44-year-old might pay $38 for 16 days, while a younger traveler could pay as little as $10 for a week.

Understanding these costs helps you budget accurately for your European adventure. Knowing what to expect lets you focus on planning the fun parts of your trip, not visa requirements.

I’m Ramy Saber, founder of GoTravelHunt. I’ve seen how understanding the 30000 euro travel insurance cost makes planning straightforward. My goal is to help you achieve your European travel dreams without the administrative headaches.

Learn more about 30000 euro travel insurance cost:

• how much does travel insurance cost
• trip medical insurance
• best holiday insurance

What is €30,000 Schengen Travel Insurance and Why is it Mandatory?

Imagine a medical emergency in Paris. Without proper insurance, an ER visit could cost thousands of euros out of pocket. This is why €30,000 Schengen travel insurance is mandatory for visa applicants.

Schengen travel insurance is designed to cover emergency medical expenses in the Schengen Area. The European Union’s Regulation (EC) No. 810/2009 requires proof of adequate travel medical insurance for visa approval. This requirement protects European healthcare systems from financial burdens and protects you from devastating medical bills.

Consular officers verify this coverage to ensure you won’t be stranded without help. Without proof, your visa application will be rejected—no exceptions. The 30000 euro travel insurance cost is a small price for this essential peace of mind. For more guidance, see our guide on european travel insurance.

The Core Requirements for Visa Approval

Your insurance policy must meet several strict requirements for Schengen visa approval:

• Minimum €30,000 coverage: This is the foundational requirement (approx. $32,879 USD). Anything less is not compliant.

• Emergency medical evacuation: This covers transportation costs if you need to be moved to a different medical facility or another country for specialized treatment.

• Repatriation of remains: This covers the cost of returning a deceased person’s body to their home country.

• Validity period: Your insurance must cover every single day you plan to be in the Schengen Area.

• Valid across all 29 Schengen countries: The policy must be effective in every Schengen member state, not just one or two.

• Zero deductible: While not mandatory, many travelers choose a zero deductible plan to avoid out-of-pocket costs during a claim.

Meeting these requirements is about ensuring you have genuine, comprehensive protection throughout your European adventure.

How Much Does 30000 Euro Travel Insurance Cost?

The 30000 euro travel insurance cost is surprisingly affordable. For travelers under 40, a week of coverage can cost just $8 to $15. Some basic plans even start at $1 per day. Considering a single ER visit in Europe could cost thousands, this is a smart investment. For short trips, you might find tourism and business travel insurance options starting from around €11.70 for seven days.

Key Factors Influencing Your Premium

Insurance companies use several factors to calculate your 30000 euro travel insurance cost:

• Your age: This is the biggest factor. Older travelers face higher statistical health risks and thus pay more. A traveler under 40 might pay $8-$15 weekly, while someone over 60 could pay $15-$30.

• Trip duration: A longer trip means a longer period of risk, so the cost increases accordingly.

• Policy maximum: While €30,000 is the minimum, you can choose higher limits like $50,000 or $100,000 for more protection, which increases the premium. Many find a $50k or $100k policy offers a good balance.

• Deductible choice: A higher deductible (the amount you pay out-of-pocket) lowers your premium. For short trips, many prefer the convenience of a $0 deductible.

• Coverage add-ons: Extras like trip cancellation, baggage loss, or adventure sports coverage will increase the cost. Our compare holiday insurance ultimate guide can help you decide what you need.

Example Costs for 30000 Euro Travel Insurance

Real examples make costs clearer. Here’s what travelers might pay for Schengen-compliant coverage:

A 44-year-old traveler could pay around $38 for a 16-day trip with $100,000 coverage. Bumping that to $500,000 for 19 days might cost about $50.

A 14-day policy with $50,000 coverage and a $250 deductible might cost around $52. A similar 17-day policy with a $0 deductible could be about $42, showing why many prefer no-deductible plans.

For maximum protection, a 17-day trip with $250,000 coverage could cost around $96, averaging less than $6 per day.

Younger travelers often find rates starting around $10 for a full week, making the 30000 euro travel insurance cost a minor part of their travel budget.

These examples show that meeting the Schengen visa insurance requirement is financially manageable for any budget. The key is to compare options and choose a policy that fits your specific needs.

What’s Included in a Standard €30,000 Schengen Policy?

A standard €30,000 Schengen policy is your financial safety net, ensuring a medical emergency doesn’t ruin your trip or your finances. The core of any compliant policy is coverage for critical medical events.

Key inclusions are:

• Emergency medical expenses: Covers doctor’s visits, diagnostic tests, prescription medications, and emergency dental care for accidents.
• Hospitalization: Covers hospital room and board, surgical procedures, and related medical services.
• Ambulance services: Covers emergency transportation to a medical facility.
• Medical repatriation and repatriation of remains: Covers costs to transport you back home for ongoing care or, in the worst case, to return your remains to your family.

For a deeper dive into these protections, see our guide on trip medical insurance.

Beyond the Basics: Common Exclusions and Optional Add-ons

It’s vital to understand what your policy doesn’t cover and what extra protections you might need.

Common Exclusions:

• Pre-existing medical conditions: Basic policies typically exclude these. Some may cover an “acute onset” (a sudden, unexpected flare-up of a stable condition), but coverage is often limited. Always read the policy details.
• High-risk sports and activities: Activities like skiing, mountaineering, or scuba diving usually require specialized add-on coverage. For details, see our winter sports travel insurance guide.
• Other exclusions: Common exclusions include elective treatments, self-inflicted injuries, and injuries sustained while under the influence of drugs or alcohol.
• COVID-19: While many policies now cover COVID-19 medical expenses, COVID-19 repatriation may not be included. Confirm with your provider.

Optional Add-ons:
You can customize your plan with add-ons that go beyond the basic 30000 euro travel insurance cost. Popular options include:

• Trip cancellation and interruption coverage: Protects your non-refundable expenses. Our travel cancellation insurance guide explains more.
• Baggage coverage: For lost, stolen, or damaged luggage.
• Personal liability protection: If you accidentally injure someone or damage property.
• Higher medical maximum: You can opt for a higher limit (e.g., $100,000 or more) for greater protection, especially on longer trips.

How to Purchase and Use Your Schengen Insurance

Purchasing your €30,000 Schengen travel insurance is easy. The process is mostly online, similar to booking a flight. You can compare plans, see coverage details, and buy instantly, often receiving your documents within minutes.

Finding a Compliant Plan and Getting Your Visa Letter

Start by visiting a reputable online provider specializing in Schengen insurance. You’ll fill out a simple form with your travel details.

Crucially, select a plan that explicitly meets all Schengen requirements: €30,000 minimum medical coverage, emergency evacuation, and repatriation. Providers often label these plans clearly.

After purchasing with a credit card, you’ll receive your policy documents and the essential visa letter via email. This letter is the official proof of coverage for your visa application.

Print the visa letter and policy documents to include with your application. To simplify this, you can apply now for a compliant Schengen Visa Insurance plan directly through GoTravelHunt’s platform.

The Claims Process: What to Do in an Emergency

If you need to use your insurance, knowing the steps makes the process less intimidating.

1. Contact the 24/7 assistance hotline. In an emergency, this is your first step. Save this number in your phone. They can guide you to approved facilities and advise on next steps.
2. Present your insurance details. For hospitalization, show your policy information to the hospital. They may bill the insurer directly. Keep the assistance hotline updated.
3. Keep all documents. For smaller outpatient visits, you’ll likely pay upfront and file for reimbursement. Keep all original receipts, invoices, and medical reports.
4. File your claim promptly. Fill out the insurer’s claim forms accurately and submit them with all required documentation. Most providers allow online submission. Submit your claim within the policy’s timeframe, usually within 30 days of returning home. You can download a sample Claim Form to see what’s required.

The golden rule is to report any incident as soon as possible. Knowing how to use your coverage is what provides true peace of mind.

Frequently Asked Questions about €30,000 Schengen Insurance

What happens if my travel insurance doesn’t meet the €30,000 requirement?

Failing to meet the €30,000 insurance requirement has serious consequences:

• Visa rejection: Your application will be automatically denied. The requirement is based on official EU regulation and is not flexible.
• Financial risk: You would be personally liable for all medical costs, which can be catastrophic.
• Travel disruption: A denied visa means losing money on non-refundable flights and bookings.
• Inadmissibility: Border officials can deny you entry even with a visa if your insurance is found to be inadequate.

The risk far outweighs any potential savings from an insufficient policy.

Can I buy a policy with more than €30,000 coverage?

Yes, and it’s often a good idea. The €30,000 is a minimum. You can easily find plans with higher limits like €50,000, €100,000, or more. While this slightly increases the 30000 euro travel insurance cost, the benefits include:

• Improved protection: A larger safety net for serious medical emergencies.
• Additional benefits: Higher-tier plans often include better trip cancellation, baggage, and personal liability coverage.
• Peace of mind: Knowing you’re extensively covered allows you to relax and enjoy your trip.

The right choice depends on your trip length, activities, and personal risk tolerance.

Does the basic 30000 euro travel insurance cost cover pre-existing conditions?

Generally, basic €30,000 Schengen policies do not cover pre-existing conditions.

• The “Acute Onset” Exception: Some policies cover the acute onset of a pre-existing condition. This refers to a sudden, unexpected flare-up of a previously stable condition that requires immediate medical care. However, the definition is very strict, and routine care or predictable complications are not covered.
• Exclusions are the Norm: Most policies explicitly exclude treatment related to chronic conditions.
• Read the Policy Wording: It is absolutely crucial to read the fine print, as definitions and limits vary significantly between insurers.
• Specialized Plans: If you need comprehensive coverage for a pre-existing condition, you must look for specialized plans. These cost more but provide the necessary protection. Be honest about your medical history when applying to ensure your policy is valid.

Conclusion

Planning your European trip is easier when you understand the 30000 euro travel insurance cost. As we’ve covered, this mandatory insurance is affordable, with rates starting at just $8-$15 per week. It’s not just a visa requirement; it’s a crucial safety net.

This coverage protects you from high medical bills and ensures your visa application is approved. There’s an affordable policy for every traveler, whether you’re on a budget or planning a long-term stay.

At GoTravelHunt, our goal is to make travel planning stress-free. Securing the right insurance should be simple, letting you focus on the exciting parts of your journey.

Your European adventure awaits. By taking this simple step, you’re one step closer to making your travel dreams a reality with confidence and peace of mind.

Ready to protect your journey and secure your visa approval? Find the perfect travel insurance for your next adventure with GoTravelHunt, and travel with the confidence that comes from being fully prepared.