Schengen Visa Travel Insurance Gap Calculator
Verify that your travel insurance satisfies the Schengen visa requirement for at least €30,000 of medical and repatriation coverage. Provide your policy limit and deductible, then optionally adjust the exchange rate or repatriation benefit to reveal any coverage gap, surplus, and compliance status before applying.
Visa officers may have additional documentation requirements beyond coverage amounts. Confirm submission guidelines with the consulate handling your application.
Examples
- $75,000 medical limit, $250 deductible, €30k requirement at 1.08 EUR/USD, $50,000 repatriation ⇒ Effective medical coverage after deductible: $74,750.00 USD • Schengen requirement converted: $32,400.00 USD • Coverage surplus: $42,350.00 USD • Repatriation coverage gap: $0.00 USD • Compliance status: Compliant with Schengen medical requirement • Deductible applied: $250.00 USD
- $40,000 medical limit, $0 deductible, €30k requirement at 1.10 EUR/USD, $40,000 repatriation ⇒ Effective medical coverage after deductible: $40,000.00 USD • Schengen requirement converted: $33,000.00 USD • Coverage surplus: $7,000.00 USD • Repatriation coverage gap: $0.00 USD • Compliance status: Compliant with Schengen medical requirement • Deductible applied: $0.00 USD
FAQ
Do I need zero deductible to qualify?
No. Deductibles are allowed, but high deductibles reduce the effective coverage. The calculator subtracts your deductible so you can document the remaining amount for consulates.
How often should I refresh the exchange rate?
Use the rate from the week you submit your visa application. If the euro strengthens meaningfully, rerun the calculator to confirm you still meet the €30,000 threshold.
What documents should I attach with my application?
Include the insurer's certificate of coverage and a printout of this calculation showing compliance. Consulates typically want the policy schedule with limits, deductible, and repatriation benefits listed.
Does the tool consider trip length?
Schengen rules focus on coverage amount, not trip duration. Ensure your policy effective dates cover your entire stay separately.
Additional Information
- Schengen rules require at least €30,000 of medical coverage with repatriation of remains; this tool converts that requirement into USD.
- The effective coverage subtracts your deductible from the policy limit to highlight the amount insurers actually pay toward medical claims.
- Repatriation coverage can differ from medical limits—enter it separately if your policy lists a different benefit.
- Exchange rate defaults to 1.08 USD per EUR; update it if visa officers instruct you to use the day's market rate.