Schengen Visa Travel Insurance For Thai Travelers Going To Europe

Thailand residents and citizens who visit Europe are required to get a Schengen visa. One of the requirements for this visa is to acquire travel insurance coverage that meets visa standards and which covers travelers across all of the Schengen countries for the full duration of their trip.

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Are you unsure how to get a Schengen visa for your trip to Europe? If you’re heading to Europe, you’re also probably wondering which travel insurance will meet Schengen visa requirements and best meet your needs.

In this Pacific Prime article, we’ll outline the travel insurance requirements for Thai travelers who want to enter Europe, introduce you to five of the best travel insurance providers who offer plans that meet the Schengen rules, and more.

After reading this article, check out our guide to finding the best travel insurance in Thailand: it will guide you to our series of articles dedicated to your needs as a Thai resident and traveler.

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Explaining the Schengen Visa for Thai Travelers

Image of Historic Buildings In Cochem, Germany with text overlay of "Schengen Visa for Thai Travelers"

The Schengen area is made up of 29 European countries that allow travelers free movement across their borders, and a Schengen visa is a short-term visa authorized by these countries that permits visitors to travel in this zone for 90 days, across one trip or several, within 180 days.

The 29 countries in the Schengen Area are:

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

Thai travelers, unless they have an exemption, must acquire a Schengen visa.

Thai Residents Who Don’t Need a Schengen Visa

Those who are exempted from Schengen visa requirements include:

Those who hold diplomatic passports
Those who hold local border traffic permits from civilian air and sea crews from member states
Crew members on emergency and rescue missions
School pupils
Intergovernmental travel document holders
Refugees
Those in the armed forces
NATO members
Nationals of a Schengen country
Nationals of a country that is not required to get a Schengen visa
Thai citizens with dual citizenship in either a Schengen country or a country that does not require to get a Schengen visa

If you’re still unsure if you need a Schengen visa, use the official Schengen tool. Those who do not require a visa must still have a passport for Europe. At the end of 2026, Schengen-visa-exempt travelers to the Schengen area will also need ETIAS authorization.

Schengen Visa Travel Insurance Requirements

Image of Hungarian Parliament Building By The River with text overlay of "Schengen Visa Travel Insurance Requirements"

Thai passport holders who want to travel in Europe must show proof of sufficient travel insurance to qualify for a Schengen visa. Proof of this insurance comes from obtaining a travel health insurance certificate that is valid in the entire Schengen Area for the full duration of the trip.

The travel insurance requirements for Thai citizens and residents include:

Coverage for at least €30,000 (about ฿1,142,729.16) in medical costs
Coverage in all Schengen area countries
Coverage for the entire duration of your stay
Coverage for medical repatriation (transportation back home for medical treatment)
Coverage for emergency medical care and hospitalization
Coverage for repatriation of remains (transportation for your body in the event of death)

Some Schengen visa insurance plans cover COVID-19-related expenses, though you will want to ask your provider to verify. Check out these tips to get cheap travel insurance before you purchase a plan.

Travel insurance is only required for travelers in Europe who are applying for a Schengen visa, but it is still advisable for everyone to purchase travel insurance to cover their trip expenses and unforeseen medical costs.

Top Travel Insurance Providers For The Schengen Visa

Thailand citizens and residents should consider Allianz, April International, AXA, VUMI, and IMG for top-quality travel insurance that meets Schengen visa requirements. These providers offer a variety of plans and levels of coverage so you can customize your coverage to your needs and budget.

Allianz

Allianz Travel offers Schengen-compliant insurance coverage in addition to their international travel insurance plans, making it easy to find adequate coverage for your European vacation. Their single-trip travel insurance options include the following plans:

OneTrip Prime: trip cancellation up to THB ฿3,352,248.96; trip interruption up to THB ฿5,028,373.44; emergency medical up to THB ฿1,676,124.48, baggage loss or damage up to THB ฿33,522.49; and much more.
OneTrip Basic: trip cancellation up to THB ฿335,224.90; trip interruption up to THB ฿335,224.90; emergency medical up to THB ฿335,224.90; baggage loss or damage up to THB ฿16,761.24; and much more.
OneTrip Premier: trip cancellation up to THB ฿6,704,497.91; trip interruption up to THB ฿10,056,746.87; emergency medical up to THB ฿2,514,186.72; baggage loss or damage up to THB ฿67,044.98; and much more.
OneTrip Emergency Medical: emergency medical up to THB ฿1,676,124.48; emergency medical transportation up to THB ฿8,380,622.39; travel accident coverage up to THB ฿335,224.90; and much more.
OneTrip Cancellation Plus: trip cancellation up to THB ฿167,612.45; trip interruption up to THB ฿167,612.45; travel delay up to THB ฿5,028.37, plus 24-hour hotline assistance.

Their multi-trip plans include:

AllTrips Basic: emergency medical up to THB ฿670,449.79; emergency medical transportation up to THB ฿3,352,248.96; baggage loss or damage up to THB ฿33,522.49; travel delay up to THB ฿20,113.49; and much more.
AllTrips Premier: trip cancellation and trip interruption up to THB ฿502,837.34; emergency medical up to THB ฿1,676,124.48; emergency medical transportation up to THB ฿16,761,244.78; baggage loss or damage up to THB ฿ 67,044.98; travel delay up to THB ฿50,283.73; and much more.
AllTrips Executive: trip cancellation and trip interruption up to THB ฿335,224.90; emergency medical up to THB ฿1,676,124.48; emergency medical transportation up to THB ฿8,380,622.39; baggage loss or damage up to THB ฿33,522.49; travel delay up to THB ฿53,635.98; and much more.
AllTrips Prime: trip cancellation up to THB ฿100,567.47; trip interruption up to THB ฿ 100,567.47; emergency medical up to THB ฿670,449.79; emergency medical transportation up to THB ฿3,352,248.96; baggage loss or damage up to THB ฿33,522.49; travel delay up to THB ฿20,113.49; and much more.

Their Schengen-compliant plans offer benefits for:

Up to THB ฿1,676,999.22 (USD $50,000) in emergency medical expenses in case of accident, sickness, illness, or injury
Up to THB ฿6,708.00 (USD $200) if your baggage is delayed
Up to THB ฿67,079.97 (USD $2,000) in case of trip cancellation

Go here to get a free quote for this plan or any of Allianz’s other travel insurance plans. Click buy online now, and you can get a quote without needing to purchase anything.

April International

April International’s Schengen Visa Insurance plan makes it easy for Thai travelers to get travel insurance coverage that meets the needs of the Schengen visa. Over 1,000 people a month choose to buy April’s Schengen Insurance.

This plan’s benefits are:

Repatriation assistance
Medical expenses up to about THB ฿1,127,800 (about USD $32,100)
Death Assistance
Contract changed up to three times in case of a visa refusal
Coverage valid in all countries of the Schengen Area
An Insurance Certificate showing proof of Schengen travel insurance
No upfront payments in case of hospitalization of over 24 hours

Go here to get a free quote for this plan or any of April’s other travel insurance plans. Click buy online now, and you can get a quote without needing to purchase anything.

AXA

AXA offers top-rated cruise, Schengen, domestic, and international insurance plans for all types of Thai travelers to Europe. AXA’s international travel insurance plans come in three tiers: Silver, Gold, and Platinum, with their Gold and Platinum plans being Schengen eligible.

Some benefits across all international plans include:

Trip cancellation
Trip interruption
Trip delay
Missed connection
Emergency accident and sickness medical expenses
Emergency evacuation
Accidental death and dismemberment
Baggage delay
Baggage and personal effects

Travelers who choose the Gold plan can expect coverage for:

Trip cancellation coverage up to 100% of the trip cost
Trip interruption coverage up to 150% of trip cost
Trip delay coverage up to THB ฿6,704.50 per day with a THB ฿33,522.49 maximum
Missed connection coverage up to THB ฿33,522.49

Emergency accident and sickness medical expenses up to THB ฿3,352,248.96
Emergency medical evacuation up to THB ฿16,761,244.78
Non-medical emergency evacuation up to THB ฿1,676,124.48
Accidental death and dismemberment up to THB ฿838,062.24
Common carrier accidental death and dismemberment up to THB ฿1,676,124.48

Baggage delay up to THB ฿10,056.75
Baggage and personal effects up to THB ฿50,283.73

Travelers who choose the Platinum plan can expect coverage for:

Trip cancellation coverage up to 100% of trip cost
Trip interruption coverage up to 150% of trip cost
Trip delay coverage up to THB ฿10,056.75 per day for a THB ฿41,903.11 maximum
Missed connection coverage up to THB ฿50,283.73
Emergency accident and sickness medical expenses up to THB ฿8,380,622.39
Emergency medical evacuation up to THB ฿33,522,489.57
Non-medical emergency evacuation up to THB ฿3,352,248.96
Accidental death and dismemberment up to THB ฿1,676,124.48
Common carrier accidental death and dismemberment up to THB ฿3,352,248.96
Baggage delay up to THB ฿20,113.49
Baggage and personal effects up to THB ฿100,567.47
Lost skier days up to THB ฿838.06 per day
Lost golf rounds up to THB ฿16,761.24
Sports equipment rental up to THB ฿33,522.49

Optional benefits include rental car coverage, cancel for any reason coverage, and more. Go here to get a free quote for this plan or any of AXA’s other travel insurance plans. Click buy online now, and you can get a quote without needing to purchase anything.

VUMI VIP Travel Insurance For Schengen Visa

VUMI offers travelers from Thailand the Travel VIP plan that exceeds the needs of the Schengen visa. It provides comprehensive worldwide travel insurance that includes all of the countries in the Schengen area.

VUMI’s Travel VIP plan includes the following benefits:

Worldwide medical coverage
Maximum health coverage up to about THB ฿167,612,447.84 for individuals up to the age of 70
Emergency medical treatments and assistance for sickness and injury
Emergency transportation
Repatriation to Thailand

This plan also includes many more benefits that will grant you peace of mind in Europe. Go here to get a free quote for this plan or any of VUMI’s other travel insurance plans. Click buy online now, and you can get a quote without needing to purchase anything.

IMG Travel Insurance For Schengen Visa

IMG has several plans that meet the travel insurance requirements of the Schengen visa. Thai passport holders may consider the 1TravelInsured Travel SE plan, iTravelInsured Travel Lite plan, Patriot International Platinum plan, or others.

The most popular plan for domestic and international tourism is iTravelInsured Travel SE.

The general benefits of this plan are:

Worldwide medical coverage, including all Schengen Area countries
Medical coverage for accident and sickness up to about THB ฿8,380,622.39
Medical evacuation
Medical repatriation to Thailand

Go here to see the full benefits available to you and to get a free quote for an IMG plan. Click buy online now, and you can get a quote without needing to purchase anything.

How to Get a Schengen Visa

To get a Schengen visa, Thai residents and citizens must schedule an appointment at the embassy of the Schengen country they will visit, the first country they will visit, or the VFS Global Application center in Bangkok; collect the necessary documents; and attend an interview.

The most common required documents for Thai travelers applying for their Schengen visa include:

Two recently taken passport-style photos
A certificate that validates that you have the necessary insurance
Proof of legal residence in Thailand
Proof of accommodation while you are in Europe
Proof of civil status, such as a marriage certificate, if applicable
Proof that you have the means to support yourself financially during your stay in Europe
Your flight itinerary
Your Thai passport or other up-to-date travel documents

Different Schengen countries have different applications, and some countries may even allow you to apply online, so verify the needs of the country you plan to visit before making your appointment.

Why You Should Use a Broker to Get Travel Insurance to Europe

Brokers act as intermediaries between you and insurance providers, so they can utilize their unbiased expertise to save you time and money and even help you submit claims once you’ve picked a plan.

Pacific Prime partners with top travel insurance providers and can help you compare plan similarities, differences, and price ranges. As a third-party broker, we can offer you unbiased advice about each company so you can make an informed decision about which policy and provider is right for you.

Let Pacific Prime help you find the right insurance plan for your budget and needs in Europe. Contact us to learn more.

Frequently Asked Questions

Can I get a Schengen visa without buying travel insurance?

You cannot get a Schengen visa without buying sufficient travel insurance. The Schengen visa requires all applicants to have travel insurance for the full duration of their trip across every country in the Schengen Area. If you are traveling to Europe from Thailand, you must buy insurance.

How much does a Schengen visa cost?

A Schengen visa costs €90 (TBH ฿3430.26) for anyone 12 years and older and €45 (TBH ฿1715.13) for children ages 6–11. Children under 6 years old are usually free. Some nationals may qualify for a reduced fee or exemption under certain agreements.

How long does it take to get my Schengen visa processed?

Most Schengen visas will be processed in 15 days, but depending on complications or the country, it may take up to 60 days.

What if my Schengen visa application is denied?

If your Schengen visa application is rejected, you may reapply or appeal your application immediately. To improve your chances of approval, verify the reason for your rejection, ensure your passport is valid and undamaged, get proper travel insurance, and clarify your itinerary.

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Conclusion

Thai nationals who want to travel in Europe are required to get a Schengen visa, and to qualify, they are required to get sufficient travel insurance.

This travel insurance must cover you across the entire Schengen area for the full duration of your trip. It must also provide necessary emergency medical coverage, repatriation coverage back to Thailand, and evacuation coverage. Your policy must have a minimum amount of about USD $32,100 (THB ฿1,127,800).

If you’re ready to purchase travel insurance now, you can go to this page with our best travel insurance providers. You can also get free quotes on the same page.

After covering over 1 million lives, Pacific Prime is experienced in helping travelers explore Europe safely with travel and health insurance. Getting the answers you seek is just a quick message away, and then we will respond promptly with well-seasoned advice.

If you want to get in touch with us at Pacific Prime to have more of your questions answered, contact us today! We are insurance experts who help travelers acquire travel insurance and Thailand health insurance for all types of travel around the globe.

Schengen Visa Travel Insurance for Thai Travelers Going to Europe

Discover the world’s top health insurers.
Compare quotes with a click of the button.

Kickstart Your Search for the Perfect Insurer

Explaining the Schengen Visa for Thai Travelers

Thai Residents Who Don’t Need a Schengen Visa

Schengen Visa Travel Insurance Requirements