What travel insurance documents do I need?

In short

• Many countries require proof of travel insurance with a minimum medical coverage (typically EUR 30,000 for Schengen visas).
• You need a Certificate of Insurance showing your name, the policy number, validity dates, coverage amounts, and your insurer's 24/7 hotline.
• Even where insurance is not required, carrying a policy is strongly recommended - medical emergencies abroad can cost tens of thousands of dollars without coverage.

Why travel insurance documents matter

Travel insurance is one of those documents you hope you never need - but if you do, you need it fast. Some countries even require proof of insurance before they will let you enter, and most travelers have at some point needed insurance to cover medical costs, trip cancellations, or lost baggage.

What documents your insurance should provide

• Certificate of Insurance with your full name and policy number.
• Policy validity dates that cover your entire trip.
• Coverage amounts for medical expenses, evacuation, and repatriation.
• 24/7 emergency hotline number and email address.
• List of covered countries (Schengen, worldwide, etc.).
• Claim form or claim instructions.

Schengen visa insurance requirements

Schengen visa applicants must show travel insurance with a minimum coverage of EUR 30,000 (around USD 32,000), valid across all 29 Schengen countries, covering medical emergencies, hospitalization, and repatriation.

The insurance certificate must be issued by an approved provider and submitted with your visa application. Standard travel insurance from most reputable providers meets these requirements.

Other countries that require insurance

Cuba, Turkey (for some visa types), Antarctica tours, and certain Russian visa categories all require proof of travel insurance. Some adventure or expedition destinations also require evacuation coverage.

Where to keep your insurance documents

Save digital copies in three places: your phone, an email account you can access from anywhere, and a printed copy in your luggage. Keep the 24/7 hotline number written separately in your wallet.