Yes, travel health insurance is generally mandatory for US nationals traveling to Europe, especially when applying for a Schengen visa. The Schengen Area, which includes most European Union (EU) member states, requires visitors to have travel health insurance that meets specific minimum requirements.
When applying for a Schengen visa, one of the mandatory supporting documents is proof of travel health insurance. The insurance coverage must meet the following criteria:
Minimum coverage: The insurance must provide a minimum coverage of 30,000 euros (or equivalent in US dollars) for medical expenses, including emergency medical treatment, hospitalization, and repatriation.
Coverage in all Schengen countries: The insurance should be valid in all Schengen Area countries and for the entire duration of your planned stay.
Validity period: The insurance should be valid from the date of entry into the Schengen Area until the date of departure.
No deductible: The insurance policy should have no or only a minimal deductible amount.
It’s important to note that even if you are not required to obtain a Schengen visa as a US citizen, having travel health insurance is still highly recommended. It provides financial protection in case of unexpected medical emergencies, accidents, or other health-related issues during your trip.
When purchasing travel health insurance, ensure that it meets the specific requirements mentioned above. You can obtain travel insurance from various providers, including insurance companies, travel agencies, or online platforms specializing in travel insurance. Be sure to carefully review the terms and conditions of the insurance policy to understand the coverage and any exclusions or limitations.
It’s always a good idea to consult with the embassy or consulate of the country you plan to visit or the European Union’s official website for the most up-to-date and country-specific information regarding travel health insurance requirements.
