travel medical insurance for poland visa

TRAVEL MEDICAL INSURANCE

Insurance assistance | arrival to poland | foreigner's life in poland, travel medical insurance for foreigners in poland, assistance of your life in poland – let us help you.

During the whole period of your stay in Poland you are obliged to have valid Travel Medical Insurance. Travel Medical Insurance is one of the most important requirements of the Embassy of Poland, the Immigration Office and Border Guards in Poland. Foreigners cannot obtain any kind of visa to Poland or residence permit in Poland, as well as cross the border of Poland without valid insurance that meets all requirements of polish government.

However, we would like to remind that it is the foreigner who, first of all, should be interested in the high quality of his insurance while traveling or living in Poland. After all, Travel Medical Insurance allows us to protect ourselves against a variety of risks related to travel, and more importantly, protect us from high costs of medical treatment that may arise as a result of unexpected complications during travel. So, we can definitely say that having travel medical insurance is greatly beneficial for an immigrant in Poland.

Sound scary and exciting? Don’t worry! You can always contact “Legal Immigration Poland” and ask our specialists for help and assistance not only in obtaining polish documents for the legalization of your stay and activity in Poland, but also in choosing and purchasing appropriate Travel Medical Insurance in Poland that meets yours needs and the requirements of the Polish government requirements.

TRAVEL MEDICAL INSURANCE FOR FOREIGNERS

How we can help you, what can you get by ordering our legal assistance.

Law firm “Legal Immigration Poland” offers professional legal assistance in the process of searching for appropriate Insurance for Foreigners in Poland.

By ordering "Travel Medical Insurance" service you can get:

Travel medical and accommodation insurance.

You get Travel Medical Insurance for foreigners in Poland that meets all the requirements of the Polish on Foreigners and can be successfully used for all bureaucratic issues in Poland without wasted time and nerves. Also, it can be supported by Accommodation Insurance and the option of Personal liability to protect you from all unexpected costs during your life in Poland.

Assistance in choosing the Appropriate Travel Medical Insurance

We help immigrants with the choice of appropriate insurer and insurance program that meets all requirements of Polish Law regarding foreigners, as well as suits all your needs. We always consider personal needs of our clients. For example, at your request, we also can help you to fill in your travel medical insurance with the option of “personal liability”. 

Confidence in compliance with Government Requirements

We make sure that the chosen insurance program and insurer meets all the requirements of polish Act on Foreigners. Compliance with all the requirements allows you to use this insurance for all bureaucratic issues in Poland. For example, you get the opportunity to use it for the procedures of obtaining visa to Poland, entering Poland and obtaining TRC in Poland.

Beneficial Offers for Foreigners

We also do our best to offer you the best really beneficial offers of Insurance for foreigners in Poland at the moment.

Accommodation Insurance in Poland

A lot of landlords of accommodation in Poland wants to protect themselves from unexpected situations caused by their tenants and, as consequences, from any additional unexpected costs. That’s why in some cases landlords asks tenants to have additional Insurance for the apartment or room you rent. Our specialists can help you to find beneficial insurance according to the requirements of your landlord.

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Immigrate to poland and legalize your future, we are always ready to answer all your questions and get advice to you, other ways to get help from us.

Call us, send us an e-mail, send us a letter – whatever suits you. We will be here!

+ 48 537 737 007 (polish)

+ 48 571 921 547 (russian, english)

[email protected]

00-687 Warsaw

ul. Wspólna 70, 2nd floor

Here you can purchase insurance that will meet the requirements provided for by law.

Insurance is available to visitors who come to Poland (individually or as part of agencies and comapnies) in educational, business, touristic or cultural purposes.

All persons applying for a national visa or Schengen visa at a Polish consular office must provide, along with their visa application, a document confirming that they are covered by health insurance in Poland or by travel medical insurance with a minimum coverage of EUR 30,000; the document must be valid for the duration of the planned stay in Poland.

All foreigners applying for a temporary residence card in Poland submit to the voivode competent for the place of stay, not later than on the last day of legal stay in Poland, application for a residance permit with a document confirming health insurance in Poland or confirmation that the insurer covers the costs of treatment in Poland (e.g. an insurance policy). The sum insured depends on the voivodship office where the application is submitted, most of them require min. EUR 30,000 – the document should be valid for the period necessary to achieve the purpose of the foreigner’s stay in Poland.

Insurance cover

After arrival to Poland the policy covers the medical costs in case of a sudden illness or accident in Poland, with the possibility of extending to the territory of 26 countries of the Schengen Area.

In addition, under the insurance, you can purchase protection against the consequences of personal accidents and civil liability. There are six insurance packages to choose from.

* to 26 y/o, ** over 26 y/o -->

Medical expenses insurance If you get sick or sustain an accident, we will arrange for and cover the costs of, among others:

a visit to a doctor

(including a visit to a dentist in an emergency)

(e.g. X-ray scans, ECG, ultrasound scans, MRI scans,computed tomography, basic laboratory tests)

outpatient procedures and surgery

hospital stay and treatment

(medical transport to a doctor or hospital, between medical facilities, to another hospital, to a place of accommodation after medical assistance has been provided)

medical advice and referral, providing urgent information

treatment relating to complications during pregnancy

(not later than the end of the 32 week of pregnancy)

we will reimburse the costs

of, among others, medications, dressings, orthopedic items and supply of medical aids

Civil liability insurance

We will pay compensation to a person to whom you or persons under your care cause damage, e.g. where you:

• injure him or her (i.e. personal injury),
• damage his or her property (i.e. damage to property).

Accident insurance

If you take out our accident insurance: you will receive compensation if you suffer permanent damage to health as a result of an accident during travel ( e.g. demage your eyesight, paralysis, total disablement ), your relatives will receive compensation if you die as a result of an accident. If you die as a result of an accident, your family will receive compensation from the insurance.

How to take out the insurance?

Insurance can be purchased by completing the application form available on the website. The application is available in three languages: Polish, English or Russian. Complete the application in the language you wish get the policy. The Polish Office for Foreigners usually accepts policies only in Polish. Once you pay the premium online using a bank card, we will send a document confirming the conclusion of the insurance contract (policy) to your e-mail address. The electronic policy must be printed out and attached to other visa documents or residence card in Poland.

Choose an option

that suits your needs

Online application

complete in the language you wish to get the policy

Pay the premium

using the fast online payment service

Collect your policy

we will send your electronic policy to your e-mail address

Who can be insured?

The insurance is directed to students, scientists, pupils and free listener students, workers, turists, musicians who arrive in Poland individually, through an recruitment (employment) agency or travel company.

Does the Colonnade health insurance cover the costs of treatment for COVID-19?

Yes, the insurance covers up to 100% of the sum insured hospital stay and treatment, medical transport and transport of the insured to the country of origin, transport of corpses. The basic policy is valid in Poland and it can be extended to the entire Schengen area.

Does the health insurance meet all the new travel insurance rules for foreigners for foreigners applying for a national or a Schengen visa?

Yes, the insurance meets the conditions set out in the Act on foreigners of December 12, 2013. Colonnade Insurance SA is on the list of insurers meeting the all new conditions of the above-mentioned Act, which was published on the website of the Ministry of Foreign Affairs.

What amount and period of the Colonnade health insurance is required to apply for a national visa or a Schengen visa for?

To apply for a national visa or Schengen visa it is required to have the health insurance for a minimum amount of EUR 30 000, which must cover all expenses related to emergency hospital treatment or death of the insured. The policy should be valid for the period of the planned stay in Poland or the Schengen area. In iExpert, the insurance can be purchased for a period from 30 days to 1 year.

I'll apply for a temporary residence card. What amount and period of the health insurance do I need to buy for?

The health insurance with a minimum amount of EUR 30 000 should be valid for the period necessary to achieve the purpose of stay in Poland. In iExpert, the insurance can be purchased for a period from 30 days to 1 year. The obligation to have a policy also applies to persons staying in Poland on the basis of a temporary residence permit.

Can persons applying for the residence permit for EU long-term resident in Poland purchase the Colonnade health insurance?

Yes, persons applying for the residence permit for EU long-term resident in Poland can insure themselves in Colonnade by purchasing the policy in iExpert from 30 days to 1 year.

I'm a student or course participant. What period of the health insurance should I buy for?

Students of higher or post-secondary schools and course participants should buy the insurance covering the entire period of study or courses. At most Polish universities, foreign students are required to have insurance extended by personal accident and civil liability insurance. The policy in iExpert can be purchased from 30 days to 1 year.

Do I need to extend the Colonnade health insurance if I come for manual work?

Yes, persons performing any repair and construction work, work at heights, in transport, agriculture, underground, underwater, in metallurgy, in catering, work with chemical substances, dangerous tools, i.e. impact drills, mechanical saws, pneumatic hammers, mechanical saws and grinders, machine tools, cranes and working machines, road machines must extend the insurance for manual work. The Insurer will not pay a benefit if an additional premium has not been paid for performing manual work.

Will the Colonnade Assistance Center arrange a visit to a doctor, including a dentist, for me 24 hours a day, and settle the costs with a medical institution?

Yes, the Assistance Centre will make a doctor’s appointment or hospitalization 24 hours a day, including direct billing. The Assistance Centre will provide visa advice, information on vaccinations, advice on the loss of luggage, passport, documents or tickets during your stay in Poland or the Schengen area. If you need help due to an accident or illness, call the phone number +48 22 203 75 04.

What distinguishes Colonnade Insurance SA?

Colonnade is a company present in 30 countries around the world. The Insurer’s priority is to provide excellent customer service and the development of innovative insurance products in Central and Eastern Europe.

How to buy a policy? Can it be bought in person at the office?

The policy can only be purchased online. Our consultants provide telephone assistance also in English and Russian. You cannot take out or pay for the policy at our office. At the company’s headquarter we only issue documents confirming the conclusion of insurance – after making an appointment.  We want to make sure that when you come to the office, there will be a person present who is fluent in English or Russian.

iExpert.pl SA

Al. Jerozolimskie 99/32, 02-001 Warszawa www.iexpert.pl

We are available Monday through Friday 8 a.m. to 6 p.m..

tel.: +48 22 646 42 42

[email protected], contact form.

• Terms and conditions

If you have any questions or looking for another offer?

Contact us +48 570 545 951 or [email protected]

Dear customers,

Please be advised that temporarily the sale of our offer is only possible by telephone contact with our consultant.

Please call the numbers: +48 570 545 951 or +48 22 646 42 42 We provide services in Polish, Russian and English.

We apologise for the inconvenience. iExpert Team

Top Travel Insurances for Poland You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

One of Eastern Europe's most famous destinations among tourists and expats, Poland is home to many historic cities, charming landscapes, and famous monuments like the Wawel Royal Castle in Krakow. Although travelling to Poland can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Poland and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Poland Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Poland:

Best Travel Insurances for Poland

• 01. Should I get travel insurance for Poland? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Poland scroll down

Heading to Poland soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Poland?

Yes, travel insurance is mandatory when travelling to Schengen countries, including Poland. If you're entering the Schengen Area from a non-Schengen country, you must show a valid passport and travel insurance that covers the duration of their stay and a minimum coverage of 30,000 euros. Being insured is one of the necessary steps to secure a visa and enter the Schengen Area, and failure to comply may result in a denial of entry.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Poland or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Poland:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Poland. It lets you choose between various plans tailored to meet the specific needs of your trip to Poland, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Poland:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Poland? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Poland

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Health insurance and care

The healthcare system in Poland is based on the principles of equal treatment and access to medical services. It is based on a number of general rules. These rules apply unless specific legislation or international agreements provide otherwise.

The National Health Fund (Narodowy Fundusz Zdrowia, NFZ) is the main institution responsible for managing public funds for health care. It is the pillar of the entire health insurance system. National health policy is the responsibility of the Ministry of Health.

Foreign researchers and their families visiting and living in Poland have access to Polish state-funded health services:

• as employees, if the employer pays the health insurance contributions,
• as a doctoral student with health insurance provided by the university/institute,
• with voluntary insurance in NFZ or with a private insurance company,
• during temporary stays/visits on the basis of the European Health Insurance Card,
• who have an S1 document issued by another EU country (e.g. posted workers, family members),
• if they are insured as family members of employees in Poland.

Health insurance

Health insurance is compulsory in Poland. You must always provide proof of insurance when applying for a visa to Poland and when legalising your stay in Poland. If you are insured with the National Health Fund (NFZ), most state-funded health services are free of charge, with a few exceptions, such as some dental services.

Note : Health insurance is not the same as accident insurance (NNW). It covers the costs of medical treatment in Poland, which means you can go to the GP or hospital, do a diagnosis or get a discount when you buy medicine.  

Insurance of employees 

As a general rule, all persons working in Poland on the basis of an employment contract ( pl. umowa o pracę ) or a free-for-task contract   ( pl. umowa zlecenia ), regardless of their nationality, are subject to compulsory health insurance. This means that the monthly insurance contributions are paid by the employer at the rate of 9% of the salary base, deducted each month.

In the case of persons with a specific-task contract   ( pl umowa o dzieło ), the employer is not obliged to cover their insurance. Therefore, They must take out insurance individually, either with the NFZ or a private insurance company (see below for more information).

• Insurance of doctoral students

In Poland, unless they are insured on another basis, for example as employees or family members, all doctoral candidates, regardless of nationality, are covered by the health insurance provided by their higher education institution. This means that doctoral students have free access to public health services. The right to use the services ends only 4 months after graduation or termination of training.

Insurance of family members

In Poland, an insured employee is obliged to register his or her family members for health insurance coverage under the employment contract. Family members are children, spouses, parents, and grandparents, provided that they live in the same household as the employee and do not have their own title of insurance. Their personal details must be provided to the employer to register family members. If you change your employer, you will have to notify the new employer of the members of your family. No additional or higher contributions will be charged for adding family members.

Voluntary insurance

If you are not covered by compulsory health insurance, you have to sign an individual insurance agreement with either the National Health Fund or a private insurance company/medical service provider.

It should be noted that the NFZ option is the most advantageous as it covers all state-funded medical services and any related hospital treatment. The monthly rate is PLN 662.88 until September 2023.  Students and doctoral students  from outside the EU pay a lower amount of PLN 55.80 monthly It may change every quarter as it is linked to the average salary in Poland. Contributions should be paid by the 15th of each month to a designated individual bank account.

However, only certain groups of foreigners can sign the voluntary NFZ agreement and these are among others:

• European Union, Iceland, Norway, Liechtenstein and Switzerland nationals,
• third-country nationals who have a visa for the purpose of work (D-6 visa), temporary residence permit, permanent residence permit, EU long-term residence permit,
• students and doctoral candidates.

This means that foreigners who have a visa for the purpose of conducting scientific research (D-13) cannot sign the voluntary NFZ agreement so they have to buy insurance from a private insurance provider.

Note: When signing the contract, NFZ will check your previous insurance period in Poland and/or other EU countries. If there is a gap of at least 3 months between the previous insurance and the planned NFZ insurance, you will have to pay an initial fee, the amount of which depends on the length of the gap. This means that foreigners coming to Poland from third countries for the first time must pay the fee. Students, including doctoral students , are exempt from this fee.

Evidence of insurance , which can be useful in some circumstances (e.g. when visiting a doctor), is a copy of the signed agreement between you and the NFZ together with the proof of payment of the last month’s contribution.

• Private insurance providers

There are many private insurance companies or medical centres that offer different personalised policies. You should be aware that private insurance does not provide the same general and equal access to medical services as the public NFZ.

The scope of private services and the resulting payments depend on the policy you buy and the contract you sign. The cheapest options cover only basic services, such as visits to general practitioners or certain specialists. More advanced services, such as more complicated dental treatment, childbirth, surgery or hospitalisation, require a more expensive policy.

Also note that private policies often have waiting periods, meaning that you cannot use certain services, usually the most expensive ones, until a certain period has elapsed, e.g. you cannot use rehabilitation or minor surgery until 60 or 120 days after you have paid your premiums.

Some employers in Poland offer their employees a private healthcare package in addition to the public insurance. Sometimes also individual citizens decide to buy private insurance in order to have quicker access to medical services.

Medical services

In Poland, a primary care doctor (general practitioner, or GP) is commonly called a "first contact doctor" or "family doctor". This is because you need a referral from your GP to access more specialised medical services, such as neurologists, eye specialists, hospital treatment or medical rehabilitation. A referral is not required for emergencies or for services provided by the following doctors: oncologist, gynaecologist, psychiatrist, venereologist and dentist, which means that you can register for the visit whenever you need to.

To see your family doctor, you must first register at one of the outpatient clinics, preferably near where you live. You will need to show your identity card or passport and proof of insurance (e.g.a document called RMUA from your employer or doctoral school). Once you are registered, you can book an appointment with a doctor or visit them immediately if they are not occupied.

The range of free dental services available to an insured person is limited. Children and young people up to the age of 18 and pregnant women are covered by better arrangements. You should also bear in mind that only basic dental materials are covered by the state, so you will have to pay for more advanced products used in treatment. As a result, many Poles choose private dental care.

Medicines are only available from pharmacies, except for some painkillers. Some medicines can only be obtained with a prescription from an authorised doctor. Most prescriptions are issued in electronic format (by text message - SMS with a code or by e-mail as a pdf file). You can always ask the doctor for a printed version if it is more convenient for you. Please note that most prescriptions are valid for 30 days .

The prices of medicines vary as some are reimbursed by public funds. For reimbursed medicines, patients pay a lump sum or a percentage of the price.

Some pharmacies are open 24 hours a day. They may charge an extra fee to sell medicines at night.

Before vaccination, it is important to discuss the vaccination schedule with your child's doctor. Visit a medical centre and register your child with a paediatrician. After the examination, the doctor will administer the vaccination and record the data on the card. It is also important to agree on an individual vaccination plan. The national vaccination programme includes the following mandatory vaccines, which are free of charge:

Apart from the above mandatory vaccinations, there are recommended vaccines that are paid :

• rotavirus infection - babies between months 2 and 6
• meningococcal disease - children between months 2 and 18 years old;
• human papillomavirus infection (HPV) - girls after 12 years of age;
• varicella - after month 13;
• influenza - recommended for everyone (after month 6) before and during the flu season (autumn/winter) and especially for children (between month 6 until year 18) and adults after 65 years of age (for these 2 groups the vaccine may be free-of-charge), as well for high-risk groups e.g. people with weakened immune system or pregnant women;
• tick-borne encephalitis - after month 13;
• hepatitis A - after month 13.

In order to receive the additional vaccines you need to talk to your doctor in advance.

See vaccination schedules in all EU countries

The National Medical Rescue System has been set up to provide help in emergencies - when delay could result in damage to health or loss of life. If you are insured, you have access to emergency medical services. If you are not insured, you will have to pay for the service.

To call an ambulan ce you should dial 999, which is available throughout the country, or the general emergency number 112. You can also go directly to the emergency room (SOR) of the nearest hospital.

At the reception desk, you will be asked to show your identification document (identity card, driving licence, passport or school card for children) to confirm your right to free healthcare. If you don't have your details in the electronic patient system, you can prove that you have health insurance by presenting your employment contract, a monthly report issued by your employer (called ZUS RMUA) or your contract with the National Health Fund if you have voluntary health insurance. If you don't have any of the above documents, you will have to pay for medical services. However, if you later provide proof of health insurance, you will be reimbursed.

Unconditional right to free medical services

In some cases, a foreigner, regardless of nationality and legal status, receives health care services unconditionally (even if he/she is not insured) and free of charge. This applies to urgent situations involving an immediate risk to life and health, where emergency treatment is essential, e.g. after a car accident resulting in a sudden deterioration in health leading to serious damage to health or loss of life.

Travelling within the EU: European Health Insurance Card and S1 document

The European Health Insurance Card (EHIC) gives you free access to necessary medical services when travelling temporarily in the European Union, Iceland, Liechtenstein, Norway and Switzerland for tourism or work purposes. It is a two-way card, which means that anyone who is covered by the state-funded National Health Insurance Scheme in Poland can obtain an EHIC - free of charge from the National Health Insurance Scheme office responsible for their place of residence.

It is important to note, however, that the EHIC entitles you to medical services under the same conditions as a resident of a particular country. This means that if a certain service is free in Poland, it may not be free abroad.

More about EHIC

If you are moving to another EU country, Iceland, Liechtenstein, Norway or Switzerland, you should get an S1 document instead of an EHIC to get health care in your new country of residence. An S1 entitles you to healthcare if you don't live in the country where you are insured. It can be useful for posted workers, frontier workers, pensioners and their family members.

To obtain the S1 document in Poland, you must apply to the NFZ. The document should be registered with the health insurance institution in your new country of residence.

Information related to the UK:

• Polish National Health Fund: Information on Brexit and healhcare services after 2020
• UK Government: Healthcare for UK nationals in Poland

• Schengen Visa Insurance

Travel Insurance for Poland, Poland visa travel insurance

Poland visa insurance quote, poland travel insurance requirements.

Poland has seen increasing tourist traffic over the years. Most of its tourists are from other European countries, but Poland also attracts close to 250,000 thousand visitors annually from the US. It is one of the more affordable tourist destination in Europe with plenty to offer at nearly half the price when compared to the rest of Europe. Among it popular tourist destinations are beautiful cities, most notably the old town of Krakow which is a UNESCO heritage site. The capital city of Warsaw has several museums,with the Uprising Museum attracting visitors for its sound light and video depiction of the historic Warsaw uprising of 1944.

Along the Baltic coast if the architecturally impressive city of Gdansk. Tourists are also attracted by to Poland for its mountains,coastline,forests and the lake reserves.Its natural environment is quite pristine with little human impact. US and other international travelers visiting Poland should however ensure that they have buy proper travel health insurance. At American Visitor Insurance, international tourists can make an informed decision before buying travel medical insurance thanks to our many user friendly utilities.

These utilities help travellers compare different insurance plans easily in an objective manner,understand different coverage details as well as buy the Poland travel insurance online without any paperwork. These factors help customers quickly find the best Polish travel insurance coverage for their specific needs.

Poland visa travel insurance requirements

International travelers who needs a Poland visa for Poland will have to buy travel insurance which satisfies Schengen visa requirements

• Travel insurance of €30,000 EURO of Poland (about $50k USD)
• Policy must have a $0 deductible with 100% Coverage
• A repatriation benefit.
• An emergency medical evacuation benefit.
• The insurance provider must have an office in Europe.

Schengen visa insurance letter

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Poland visa travel documents

Nationalities who need Poland visa

Travel health insurance Poland, Travel insurance for visiting Poland

Visiting Poland

Travel medical insurance for US citizens visiting Poland

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Travel medical insurance for long term Europe visa

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Group Travel

Poland visa best group travel medical insurance quotes

What does Schengen visa travel insurance cover?

Satisfies visa requirements, doctor visit, medical evacuation, health care expenses, repat of remains, pre-existing conditions, testimonials - from our customers.

I had a no-problem trip but Seven corners was easy to deal with in the securing of the travel insurance and dealing with a few issues prior to departure.

I have always gotten a quick response with a live person. I placed a claim, we will see it their payment to me is as good as their customer service is.

Good policy options and pricing. Like to purchase high coverage for medical without covering full cost of trips - like the options Seven Corners provides.

How much does Poland Visa travel insurance cost?

Europe schengen travel insurance cost, patriot international lite.

• The policy maximum options available are $50k to $1M.
• The deductible options available are $0 to $2.5k.
• Coinsurance is available 100% up to the maximum limit.
• IMG Patriot International Lite insurance for Schengen visa is very popular among travelers visiting European countries and applying for Schengen Visa.
• Covers acute onset of pre-existing condition covers up to the period of coverage limit or $1M (whichever is lower)

Safe Travels International Cost Saver

• The policy provides the medical maximum options of $50K to $1M for emergency medical and hospitalization.
• The deductible options on this plan are $0 to $5K.
• Coverage period of the plan is from 5 days to 364 days and the plan is extendable.
• Co-insurance percentage is 100% up to the policy maximum after the deductible is met.
• Available for Non US Citizens and Non US Residents applying for Schengen visa.
• Covers unexpected recurrence of a pre-existing medical condition.

Safe Travels International

• Safe Travels International offers primary comprehensive travel medical insurance coverage in Europe.
• Covers unexpected recurrence of a pre-existing medical condition up to $20K of covered expenses up to age 65 or the first $10K for age 65 or over

Atlas International

• The policy maximum options available with this plan are $50K to $2M for people up to the age of 65 For people in the age range of 65 to 79, the options are $50K and $100K and for people above 80 the only option is $10K.
• Plan pays Coinsurance 100% after the deductible up to the overall limit.
• Atlas International Insurance satisfies Schengen visa requirements and offers comprehensive Europe medical insurance for travelers.
• Covers acute onset of pre-existing condition covers up to overall maximum limit, under age 80.(excludes chronic and congenital conditions)

Travel Medical Choice

• The policy maximum is available up to $5M for people up to 79 years and reduces to $10K for people above 80 years.
• The maximum lifetime of the plan is 365 days and is renewableThere is a co insurance factor applicable to this insurance which pays 100% for outside of the US.
• Travel Medical Choice satisfies Schengen visa insurance requirements.
• Acute onset of pre-existing conditions are covered up to $50K up to the age of 64 years and a coverage of $10K is available for people above the age 65 to 79 years.

Factors for the cost of Schengen visa travel insurance

The cost of Schengen visa insurance depends on the following:

The older the Schengen visa applicant, the more expensive the cost of travel insurance.

The higher the coverage amount, the higher the premium, options ranging from $50,000, up to $1 Million.

A 'deductible' or 'excess' is the amount the customer pays before the insurance plan kicks in.

'Co-insurance' is the percentage on medical expenses borne by the customer after the deductible is paid.

The Schengen insurance cost is directly proportional to the length of travel insurance.

There are different underwriters such as AIG, Lloyds, Nationwide, etc. Premium will vary for different underwriter.

Advantages of buying Schengen visa insurance on American visitor insurance

Satisfy Schengen visa requirements to apply for visa

Compare several plans to find what fits your needs best

Travel medical insurance protection for health emergency

Travel to Europe in peace with good insurance coverage

What are the types of Schengen visas?

1 schengen visa type a.

Non Schengen country citizens who are transiting through or waiting from a connecting flight in the international terminal in a Schengen nation airport is issued an A visa. It is also commonly known as the airport transit visa

2 Schengen visa Type B

The Schengen type B visa is for trips of less than five days and is with the qualifier “transit”.

3 Schengen visa Type C

• A single-entry visa which entitles the visa holder to a single entry into the Schengen region.
• A double-entry visa entitles the visa holder to two entries to the Schengen region during the visa’s periods validity.
• A multiple-entry visa entitles the visa holder to as many entries and exits from the Schengen region as desired.

4 Long Stay visa or Type D Schengen visa

The following are valid reasons for the Type D Schengen visa : vacations or personal visits, work-related travel, study related travel, to participate in a training program, to complete an internship

Steps to buy Poland visa travel insurance online

  1: finding all available poland visa insurance plans.

Complete the Poland visa insurance quote request form by providing details of the traveler and insurance requirements.

  2: Compare different visa insurance options

Compare the price and the benefits of the different Poland visa insurance options to identify what fits your needs best.

  3: Buy the Poland visa insurance and review documents

Buy the plan that fits your requirements and budget best by using a credit card and completing the online application.

  4: Review Poland insurance & download visa letter

Review the insurance documents & download visa letter is required.

Compare Schengen visa plans

Email these results, patriot international lite insurance.

• Policy Maximum #1   $50,000
• Deductible #2   $0
• Schengen visa letter Sent immediately after purchase
•  COVID19 coverage

Atlas International Insurance

• Schengen visa letter Available from client zone

Safe Travels International Cost Saver Insurance

• Europe visa letter Sent immediately after purchase

Travel Medical Choice Insurance

#1   Policy Maximum is the maximum eligible medical expenses that the plan will cover.

#2   Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

NEED HELP for Schengen insurance? Contact our customer service team We are here to help you!

(877)-340-7910, click to send an email, us citizen travel insurance for poland.

Along with the Covid pandemic and the Ukraine war are seeing severe labor related disruptions in flights and rail services which is adding to the uncertainty of travel in Europe. US citizens are advised to buy travel insurance for Poland even if it is not mandatory for short travel, it is mandatory only for travel of more than 90 days to Poland and need a travel visa.

Travel insurance with trip cancellation coverage will protect the traveler in the event of trip delay, cancellation of flights, loss of baggage as well as any medical emergency or accident that the US citizen can face while in Poland. Some travel insurance also provide coverage for quarantine expenses should one test positive for Covid19 while traveling. Given the pandemic, some European consulates are in fact insisting on Covid quarantine travel insurance while issuing travel visas.

Some US citizens travel insurance plans also have the option of Cancel for Any reason (CFAR) by providing a refund of up to 75% of the trip cost if one cancels the trip for any reason. Having reliable travel insurance will ensure that the travelers can recoup the trip expenses which can be significant in the case of cruises, airline ticketing and hotel reservations should they face adverse circumstances during travel.

Long term Europe Visa Insurance for US citizens

US citizens who want to stay in any of the 27 Schengen countries for more than 90 days in a 180 day period need a Long Stay Visa. One of the requirements for this visa is proof of medical insurance with medical expenses coverage up to €30,000 (or the equivalent in US dollars) which is valid during the whole stay in the Schengen countries.

The insurance company should provide a visa letter stating coverage amounts for medical expenses, emergency medical evacuation and repatriation while in Europe (or 'unlimited' if there is no limit of coverage).

Poland travel insurance for older US travelers with Medicare coverage

US senior citizens who have Medicare coverage should buy international travel health insurance while traveling outside the United States. Good travel health insurance is required since Medicare offers very limited coverage outside the US.

International travel always involves risks. This is especially true for older travelers and given that the costs of medical evacuation and health care outside the United States is expensive, buying good Medicare Supplemental international Travel insurance coverage is prudent. Get Quote »

Europe Travel Insurance for Senior citizens

Insurance for older travelers for visiting the Schengen countries

Travel medical insurance Poland, Poland travel insurance - FAQ's

01. does poland travel insurance cover covid.

Most Poland travel insurance plans available on American Visitor Insurance now cover Covid as a new illness. International travelers can compare and buy the best Poland travel insurance plans on American Visitor Insurance. These plans also offer Poland visa letter which can also be translated to different languages as requested.

02. Is travel insurance necessary for Poland?

If you need a visa for traveling to Poland (Schengen visa), then - Yes, Poland travel insurance is necessary for applying for the Schengen visa. The Poland visa travel insurance requirement is a minimum coverage of 30,000 Euros.

If you a citizen of a country which does not need a visa for traveling to Poland, then buying travel insurance for Poland is not mandatory for visits of less than 90 days. However given the cost of healthcare in Poland, and that domestic health insurance offers little health insurance outside your home country, it is strongly recommended to buy travel insurance for Poland .

03. How can I get travel medical insurance for Poland?

Travelers to Poland who need the Schengen visa can buy Poland visa travel insurance on our website. Our Schengen visa travel insurance quote facility displays the travel insurance that satisfy Poland visa consulate requirements. Once you complete buying the Poland visa travel insurance online, you can download the required Poland visa letter which you can submit while applying for the Schengen visa.

04. How much is travel insurance for Poland visa?

The cost for the Poland visa travel insurance varies depending on the age of the traveler and the duration of coverage required. The older the traveler the higher is the cost. The longer the duration of Poland travel insurance required, the greater will be the cost. Our Poland visa insurance application quote facility lists the travel insurance that satisfy Poland visa consulate requirements.

05. What is the procedure to get a visa letter for Poland?

Poland visa medical insurance can be purchased online quickly and easily. The traveler has to provide relevant information (age, travel dates, total amount of coverage desired) in a simple travel insurance for Poland visa form and click the 'get quote' button.

A list of affordable travel insurance plans with the premium (cost), medical coverage details, and the name of the underwriter will be displayed. The applicant can then buy the best Poland visa insurance plan they like by clicking on the corresponding 'BUY' button. Complete the simple application online and pay using a credit card.

On purchasing the Europe travel insurance for Poland, a traveler will be provided with the insurance details that include a toll free number, a virtual ID card, and a Poland visa letter that may be presented to the consulate as proof of coverage.

06. Who must buy travel medical insurance for Poland visa?

A traveler from any of the Schengen visa required countries visiting Poland for less than 90 days is required to buy short term travel medical insurance to apply for Poland visa. It may be individuals, business travelers, family members. For travelers from Schengen visa exempted countries, planning to stay in Poland for more than 90 days need to buy long term travel medical insurance for Long stay Europe visa.

07. Who offers Schengen visa Insurance for Poland?

We work with many popular and top rated US insurance providers. These insurance companies offer best travel medical insurance coverage for Schengen visa. These Schengen visa insurance plans satisfy requirements as mandated by the consulate and offer comprehensive travel medical insurance coverage. The top insurance providers that offer popular Schengen visa insurance for Poland are International Medical Group , Seven Corners , WorldTrips and Trawick International .               

08. What is covered under Poland visa travel insurance?

• Hospitalization expenses dues of sickness of injuries
• Emergency medical evacuation
• Repatriation of remains
• Trip cancellation or interruption
• Flight delay
• Baggage delay or loss
• Acute onset of pre-existing conditions
• Maternity in first 26 weeks

09. How do I get cheap Schengen visa travel insurance for Poland ?

This is surely dependent of the travelers’ requirements.The travel will have to do a research online based on his or her requirements. It is advisable to compare Poland visa insurance products before buying the cheap travel medical insurance for Poland visa.

10. Which are the EU countries that are not part of the Schengen region?

The following European countries are not part of the Schengen zone : Albania, Andorra, Armenia, Azerbaijan, Belarus, Bosnia & Herzegovina, Bulgaria, Cyprus, Georgia, Ireland, Kosovo, North Macedonia, Moldova, Monaco, Montenegro, Romania, Russia, San Marino, Serbia, Turkey, Ukraine, The United Kingdom and the Vatican.

11. What is the difference between European Union (EU) and the Schengen states?

The Schengen region is a travel zone of several European countries where citizens can travel freely within this region without a visa, while the European Union is an economic and political union of several European countries.

12. If my Schengen visa is denied, can I cancel my travel insurance plan?

Yes, you can cancel your travel insurance plan if your Schengen visa is denied. There should be full reimbursement if you cancel before the travel dates. However, if you cancel after the start date, the premium may be refunded on a prorated basis with a cancellation fee, but only if no claims have been submitted. It is important to carefully review the terms and conditions of the policy while buying it, and to contact the insurance provider if you have any questions or concerns. If you need to cancel your policy due to a visa denial, you may need to provide proof of your visa denial to the insurance provider.

13. Can I cancel my Schengen travel insurance?

Yes, you can cancel your Schengen travel insurance, but the terms and conditions and refund policy will vary depending on the insurance provider and the specific policy you purchased. If you ask for cancellation after the insurance start date, you may only receive a partial refund depending on how long you have had the policy and if you've already made any claims. If you need to cancel your Schengen travel insurance, you should contact your insurance provider directly to inquire about the cancellation process and refund policy.

  Poland - General Information

Popular tourist destinations in poland.

Krakow might be described as a rags to riches city, being known for its cultural, artistic and economic activities.

Also known as Danzig, Gdansk is the largest city in northern Poland and its main seaport since it lies on the Baltic Sea.

Tatra National Park

Tatra National Park, located in southcentral Poland. The park is mainly forests, meadows and numerous rock formations covering the Tatra Mountains.

The medieval town of Malbork, perhaps better known by the German name of Marienburg, is most well-known for its castle.

Tourist information about Poland

How do i get visa for poland.

• Travelers who are citizens of Schengen member states and US citizens with "laissez-passer" do not need a schengen visa while visiting Poland.
• Travelers from other foreign countries who are visiting Poland even for a short period must have a valid Schengen visa.
• The Schengen visa application for the Poland embassy can be submitted in the country of your residence at the Polish embassy.
• Insurance Plans available at American Visitor Insurance are applicable for
• Schengen Visa A (Airport Transit Visa)
• Visa B (Transit Visa)
• Visa C (Travel Visa)
• Visa D (Long Stay Visa)

What are the documents required for Poland Visa?

• A valid passport ( At least 90 days after the end of visa)
• Proof of financial security to stay in Poland and return back home
• Individual travel medical insurance
• Tickets of journey
• Poland Travel medical insurance of EUR 30,000 maximum benefits.
• Poland visa insurance letter

What is the best time to visit Poland?

What are the famous vacation spots in poland, what are the popular cuisines in poland, which are the popular languages spoken in poland, schengen travel insurance plans, schengen travel insurance with covid coverage.

There are pandemic related travel restrictions in any of the Schengen countries. However, irrespective of Schengen consulate visa requirements it is very important to have the best travel insurance for Europe given the pandemic, the war in Ukraine, the Israel-Hamas war as well as extreme weather related travel disruptions, all of which can impact international travel adversely.

Trawick International, WorldTrips, International Medical Group, GeoBlue and Seven Corners are the top US based Schengen visa travel insurance providers offering Europe travel insurance with Covid coverage . Trawick International offers Safe Travels International Insurance and Safe Travels Outbound Insurance . The Safe Travels International Insurance are available for Non US citizens and Non US residents while the Safe Travels Outbound Insurance is available for available for US citizens and US residents.

WorldTrips offer Atlas Travel insurance while International Medical Group (IMG) offers Patriot International Lite insurance . Seven Corners offers Travel Medical Choice Insurance .These plans also provide a Schengen visa letter which can be used while applying for the Schengen visa. The visa letter can also be translated to different languages as requested.

Schengen insurance for Coronavirus - Available plans

• International travelers traveling outside their home country not to the USA.
• Coverage for accommodations due to a covered Trip Delay $2,000/$150 per person per day (12 hours) is included in the basic coverage.
• Optional Quarantine Benefit Upgrade at additional price Trip Delay Max Upgrade - including Accommodations (12 Hours) $4000 ($300/day) or $7000 ($500 per day).
• US Citizens and US residents traveling outside the United States.
• This plan is available for US Citizens and US residents traveling outside the United States
• Coverage for accommodation due to a covered Trip Delay $3,000/$250 per person per day (6 hours or more) is included in the basic coverage.
• Available for both US citizens and non US Citizens traveling to Europe up to 65 years.
• Available for both US and Non US citizens at moderate price with required benefits.
• Available for both US and Non US citizens at affordable price with premium benefits.
• Available for both US and Non US citizens at affordable price with fewer benefits
• Coverage for travelers traveling outside their home country whose destination excludes the U.S. and its territories.
• Travel SE plan offers Coverage for accommodations due to a covered Trip Delay $2,000/$125 per person per day is included in the basic coverage.
• Travel LX plan offers Coverage for accommodations due to a covered Trip Delay $2,500/$250 per person per day is included in the basic coverage.

List of Popular Schengen countries

Schengen travel insurance with 30,000 euro coverage, cheapest schengen health insurance for travel faqs.

Cheap travel medical insurance for Schengen Visa FAQs.

Best Schengen travel insurance blogs

Best insurance for schengen visa blogs and articles

Best schengen travel insurance forum

Travel insurance for Schengen visa, Schengen insurance forum.

Europe travel medical insurance

Cheapest europe travel insurance.

Cheapest Europe travel insurance for Schengen visa.

Travel tips for schengen visa

Best Schengen Visa Europe Travel Insurance Tips.

Schengen Visa Requirements

Schengen Visa Travel Insurance Requirements.

Europe group travel insurance

Europe group travel insurance for Schengen visa.

Europe trip cancellation insurance

Trip cancellation travel insurance for Europe

Schengen visa travel insurance cost

Cost of travel insurance for Schengen visa.

Schengen Visa insurance blogs and articles

Traveling to Schengen states

Tourism and travel insurance information for visiting Schengen countries

US citizens traveling to Europe

Vacation and travel insurance information for US citizens visiting Europe

Long term Europe visa medical insurance

Insurance Information for Long term Europe Visa

Best travel insurance for Schengen visa

Tools to find the best Schengen visa travel insurance

What does Poland Schengen Visa insurance usually not cover?

1. Pre-existing medical conditions: Schengen Visa for Poland insurance usually excludes or provides limited coverage for any medical conditions that existed prior to the start of the policy. This means that if you have a pre-existing medical condition, any medical treatment related to that condition may not be covered.

2. Treatment for chronic illnesses: Most Poland Visa medical insurance plans do not cover ongoing treatment for chronic illnesses, such as diabetes or heart disease. These conditions are generally excluded from coverage, so if you require ongoing treatment for a chronic illness, you may need to look for a specialized insurance policy.

3. Non-emergency medical treatment: Poland travel insurance is designed to cover medical emergencies and unexpected illnesses. It typically does not cover preventive care such as routine medical check-ups, vaccinations, or elective treatments.

4. Extreme sports and adventure activities: Many Poland Visa health insurance policies exclude coverage for extreme sports and adventure activities, such as bungee jumping, skydiving, or scuba diving. If you plan to participate in these activities during your trip, you may need to buy additional coverage.

5. Mental health conditions: Poland visa insurance generally do not cover mental health conditions, such as depression or anxiety. If you require treatment for a mental health condition during your trip, you may need to seek out specialized coverage.

Travel insurance for residents of Poland visiting the USA

Health care in the US while very sophisticated is also very expensive. It is therefore prudent to buy proper visitor health insurance while visiting the US. Poland travelling to the USA should buy US travel insurance as US domestic health insurance is not available to visitors and most regular health insurance plans will not cover travellers outside their home nation.

Tourists can review the different factors to consider before buying travel insurance to make an informed decision. They can also compare visitors medical insurance from top rated insurance providers and select the best visitor insurance for USA.

Related Schengen visa insurance pages

Schengen visa insurance

Schengen visa letter

Schengen covid19

Europe trip from USA

Long term Europe visa

30,000 Euro travel

Schengen visa forum

Schengen visa Blogs

Schengen visa FAQ

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Secure your overseas trip with Travel Medical Insurance

Get your Travel Medical Insurance with COVID-19 coverage from reputed global insurers for travel in the new normal.

Travelling from*

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Travelling to*

• Schengen countries

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Going on a trip abroad is exciting, but emergencies can happen, and if they do, it can be expensive and challenging affair. You can take some of your stress away by booking a travel medical insurance policy with Covid-19 coverage at competitive pricing from global insurers. Don't forget that for Schengen visa applications, travel insurance is mandatory.

Travel Medical Insurance

Emergency medical coverage, including COVID-19 treatment costs.

Competitive pricing from global insurers.

Global medical insurance coverage for evacuation and accidents.

Cancellation and trip delay coverage.

Protection for loss of passport and travel documents.

Frequently asked questions

View all FAQ's

1 . What is Travel Medical Insurance?

Travel Medical Insurance is designed to cover your emergency medical expenses while traveling abroad. In the event of an unexpected illness, injury, or medical condition during your trip, your travel medical insurance plan will reimburse you for the treatment costs, up to the limits specified in the plan.

2. Why do I need Travel Medical Insurance?

Travel Medical Insurance provides coverage for various risks that may arise during your overseas travel, including medical emergencies, COVID-19, and loss of passport. The coverage offered ensures an additional layer of protection against potential financial losses. For more detailed information on the coverage, please refer to the Travel Medical Insurance policy documents.

3. Why should you buy Travel Medical Insurance online?

Purchasing overseas travel insurance online is a convenient way to access a wide range of best plans at competitive prices from global insurers. This allows you to choose a suitable plan without incurring any extra commissions.

4. How much will overseas Travel Insurance cost?

The cost will depend on the kind of overseas Travel Medical Insurance policy you opt for, and it will vary from country to country. Multiple underlying health conditions will determine the final insurance premium you will have to pay.

5. How far in advance should I purchase Travel Medical Insurance?

It's best to purchase travel insurance within the first 14 days of your initial trip.

With Travel Medical Insurance assistance provided by VFS Global, you can book your insurance and submit your visa application together.

Even if you missed purchasing the insurance plan before or during the visa application process, you can still buy Travel Medical Insurance by visiting our website.

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HR Signal: The EU Whistleblowing Directive

#alert: A list of insurance policies accepted for purposes of Polish visa application has been published

Polish Ministry of Foreign Affairs has published a list of insurers and insurance policies that meet the conditions indicated in Art. 25 sec. 1 point 2 lit. a and paragraph 1b of the Act of 12 December 2013 on foreigners, i.e. the conditions which an insurance policy must meet in order to be sufficient in the process of obtaining a Polish national Visa, applicable from 1 December 2020.

The list is available for download on the Ministry’s website, in the visa tab (https://www.gov.pl/web/dykomacja/wizy) at the bottom of the page.

Individual Polish consulates are not bound by the list published by the Ministry – in individual cases, the consulate processing a visa application may still verify whether the insurance certificate submitted with the application meets the requirements. A foreigner attending a visa appointment should therefore ensure that his/her insurance certificate confirms each of the applicable requirements, as discussed below:

In addition to the requirements existing before 1 December 2020 (regarding minimum insurance amount, minimum insurance scope, and minimum validity period), additional requirements have been introduced as of 1 December 2020, relating directly to insurance companies. According to them, the insurer providing the travel medical insurance:

1) must provide a 24-hour alarm center service, and

2a) must have its seat or branch in Poland, EU, EEA or Switzerland, or

2b) must meet additional conditions, i.e. publish results of an audit of its activities, carried out by a recognized international audit entity, indicating its stable financial situation, and publish data at least once every six months about the sum of collected premiums and the size of payments in a given type of insurance.

Authors: Tomasz Rogala Kinga Polewka-Włoch

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What Is Schengen Travel Insurance?

Quick answer.

S chengen travel insurance is a specific type of travel insurance policy tailored to meet the travel medical coverage requirements set by the 27 (soon to be 29) European destinations within the Schengen Area. Travelers must present proof of sufficient coverage as part of the Schengen visa application process.

Schengen member countries have abolished their internal borders, allowing more accessible travel within the area. While this is incredibly convenient, some travelers may need a visa to visit Schengen countries. And one of the requirements to obtain that visa is to purchase sufficient travel medical insurance coverage.

Read on to learn more about Schengen visa travel insurance requirements and find the best travel insurance policy for your upcoming trip.

Table of contents

What is schengen travel insurance, schengen countries, visa and travel insurance requirements for the schengen area, key coverages in schengen travel insurance, how to get schengen travel insurance, schengen travel insurance faqs, summary of money’s guide to schengen travel insurance.

Schengen travel insurance is designed for travelers entering the Schengen zone, which comprises 27 (soon to be 29) European nations that have abolished internal borders.

Many visitors, including citizens from non-EU countries like India and China, must obtain a travel visa to enter the Schengen Area. And a requirement for a Schengen Visa is to have insurance covering at least €30,000 (around $32,720) in medical costs.

However, there are exemptions. For example, U.S. citizens and residents of countries such as Canada, Brazil and Mexico don’t need a Schengen visa or travel insurance for stays of up to 90 days within a 180-day period.

The Schengen Area consists of a diverse tapestry of countries. Among the member nations are some of the best places to visit in Europe , including France, Italy, Germany, Spain, Greece and the Netherlands.

Here’s the complete list:

Ireland and Cyprus are the only E.U. member states not currently part of the Schengen Agreement.

Having a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or business purposes.

Once officially admitted, you can travel freely within the member countries without passing through customs each time. Stays under 90 days don’t require a visa for U.S. nationals, but your passport should be valid for at least six months past your travel dates.

Short stays don’t require travel medical insurance either, though travel insurance may still be worth it . That could be especially true if you plan to participate in adventure sports or other high-risk activities.

Travel insurance generally also covers cancellations and delays. Purchasing a policy could pay off if you’ve booked expensive, non-refundable flights or accommodations and didn’t purchase them with one of the best travel credit cards that offer insurance.

European Travel Information and Authorisation System (ETIAS)

Travel requirements for European Union countries are projected to change by mid-2025. Visa-exempt travelers to all 27 (soon to be 29) Schengen countries and Cyprus will need an ETIAS authorization.

Here’s what you need to know:

• You must complete an online application and pay a small fee for an ETIAS authorization.
• The authorization is tied to your passport and is valid for three years or until your passport expires.
• With a valid travel authorization, you can enter 30 European countries for short stays of up to 90 days within a 180-day period.
• ETIAS authorization does not guarantee entry into any of these countries. You still have to present your passport and documents at the border.
• The above applies to people from the U.S., Canada and dozens of other countries, so check the E.U.’s official travel website or your country’s embassy for more information. An ETIAS is not a visa and doesn’t mandate travel medical insurance.

Schengen visa requirements

You’ll need a visa if you’re from a visa-exempt country, like the U.S., and planning to stay in the Schengen Area beyond the 90-day threshold. Regardless of the length of the stay, nationals traveling from certain countries always require a visa.

Determine which Schengen country you’ll spend most of your time in and check with their official tourism or embassy website for instructions on applying for a visa. The embassy will inform you about the required documentation and instructions to meet their regulations.

Schengen visa processing time can vary depending on your country of origin and your destination country, so be sure to start the process as early as possible.

Besides the application form, the following are required to obtain a Schengen visa:

• Valid passport: Your passport must be valid for at least three months after departure.
• Passport photo: You must submit a picture of yourself that complies with the International Civil Aviation Organisation (ICAO) standards.
• Travel medical insurance: You must carry at least €30,000 (approximately $32,720) in coverage for medical emergencies, hospitalization and repatriation that’s valid in the entire Schengen Area for the duration of your stay.
• Documentation: You must provide evidence of the purpose of your visit through supporting documentation, demonstrate you have the financial means to cover expenses and accommodations and show intent to return to your home country after the stay.
• Fingerprints: Most, but not all, applicants will be required to submit their fingerprints along with their application.

Consulates of particular countries may require additional documentation.

Understanding what travel insurance covers can help you plan a worry-free journey. While plans and coverage options vary by company, here’s a breakdown of what Schengen travel insurance generally covers.

• Medical expenses: Travel medical insurance covers the cost of treating unexpected illnesses or injuries you suffer during your trip, up to your policy limits. These include the cost of medications, hospitalization and other essential medical treatments.
• Medical repatriation: Some travel medical policies also include emergency medical evacuation or repatriation, which covers some of the costs of transporting you back home or to a different medical facility to receive necessary medical treatment.
• Repatriation of remains: As the name suggests, this coverage will pay (up to your policy limits) for expenses related to transporting your body or cremated remains to your home country or point of origin.
• 24/7 Travel Assistance: Travel insurance companies generally offer round-the-clock assistance services, including language support, help recovering lost passports or prescriptions and even booking accommodations and medical transportation.

Note that some companies may require you to meet a deductible for the travel medical plan to start paying out.

Other travel-related coverage options

Most travel insurers sell policies covering medical emergencies and travel-related inconveniences such as delays, cancellations, lost luggage, and more. While you don’t need these coverage options to obtain a Schengen visa, you may still find them worthwhile.

• Trip cancellation and trip interruption: Covers non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events like illness or accidents.
• Baggage loss or delay: Helps cover the cost of replacing essential items if your baggage is lost or delayed by a specified number of hours.
• Delayed flights and missed connections: Provides compensation for additional expenses caused by inconveniences such as delays or missed connections.

It’s easy to buy travel insurance for your Schengen Area trip. Many providers offer policies that fulfill the visa requirement and include additional coverage that can be tailored to your needs.

Here are some steps to help you get the right coverage.

1. Research reputable travel insurance providers

Most travel insurers bundle travel medical insurance coverage with trip cancellation, interruption, and other coverage options. If you only want to satisfy Schengen visa requirements, look for a provider that explicitly markets Schengen travel insurance or offers stand-alone travel medical coverage.

2. Select a plan that meets your needs and get a quote

Remember that you may not need trip insurance beyond the €30,000 in travel medical coverage required for a Schengen visa, so read plan details carefully to avoid buying unnecessary coverage.

It also pays to shop around and get quotes from several insurers, as travel insurance costs between 3% and 14% of the total cost of your trip, depending on the company and policy you choose.

3. Read your policy details

When shopping for travel insurance online, you’ll typically find that most companies include a policy summary or schedule. This document outlines critical details such as the policy’s coverage limits and exclusions. Carefully reading it can help you avoid surprises and frustration if you ever need to file a claim.

If you still have questions after reading the policy summary, contact the insurer before finalizing your purchase.

4. Get to know the claims process

Similarly, reading about your insurance provider’s claims process can save you time and energy in an emergency. Your policy summary should include a list of documents you’ll be required to provide as part of the claims process, which may include receipts and medical bills.

After a covered incident, contact your insurer through the company’s website or mobile app as soon as possible. Most insurers also offer travel assistance services around the clock.

5. Purchase and safeguard your policy

You will need proof of your travel medical insurance plan to apply for a Schengen visa. Keep your insurance certificate in a secure yet accessible location, whether a digital version on your smartphone or a physical printout in your travel folder.

It may also be a good idea to share a copy of your policy with a trusted friend or family member back home so they can contact your insurance provider if you cannot request medical assistance due to an emergency.

Should I get travel insurance for Europe?

Travel insurance, especially within the Schengen Area, is not just recommended but often mandatory. To obtain a visa to visit the Schengen zone, you must show proof of having sufficient travel medical insurance.

How much travel insurance do I need for Europe?

What countries does europe travel insurance cover.

• The first step before you travel to any Schengen country is to determine whether you need a visa and, therefore, mandatory travel medical insurance for a Schengen visa.
• Check with your country’s embassy, Department of Foreign Affairs or the tourism website of the country you plan to visit for specifics about medical travel insurance for Schengen visa requirements.
• You don’t need a visa or international travel insurance if you have a valid U.S. passport and are visiting the Schengen zone for less than 90 days in a 180-day period.
• If you’re a U.S. national planning to visit the Schengen Area for more than 90 days, you must apply for a visa and secure adequate travel health insurance (at least €30,000 in travel medical and repatriation coverage).

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

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Travel Insurance For Vietnam: Everything You Need To Know

Updated: Apr 26, 2024, 11:14am

Table of Contents

Do australians need travel insurance for vietnam, what does travel insurance for vietnam cover, frequently asked questions (faqs).

Vietnam is an increasingly popular travel destination for Australians, with the country even hoping to encourage more Aussies to visit by potentially waiving visa requirements in due time.

The Southeast Asian country is set to be high on the list for Aussies going overseas in 2024. The number of Australian tourists in Vietnam now exceeds pre-pandemic levels: more than 317,000 Australians visited Vietnam in 2019 , while there were 390,000 Aussie visitors in 2023.

Plus, as more and more flights become available, such as low-cost carrier Vietjet Air launching a direct service between Hanoi and Melbourne earlier this year, getting to Vietnam is becoming easier for Australians.

If the direct flights, fascinating history, vast scenery and delicious food aren’t enough to convince Australian travellers, the cost may be. Vietnam is considered one of the cheapest travel destinations in the world for Australian tourists due to our strong conversion rate against the Vietnamese Dong and the nation’s low cost of living in comparison to our own.

And while cheap thrills may be what you’re after on your vacation, it’s important not to skimp on the necessities that may cost that little bit extra—such as travel insurance. This guide outlines what you need to know regarding travel insurance in Vietnam.

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Cover-More Travel Insurance

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Unlimited, with a $2000 limit to dental

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Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Investing in travel insurance is a good idea for any overseas trip. Travel insurance policies can help protect you from having to dive deep into your pockets, with many offering unlimited medical treatment while abroad and cancellation cover for your trip should the unexpected occur.

Travel insurance is not just handy for medical purposes or travel changes, either. Your personal items can be covered, should any baggage go missing or an important item be stolen—which, unfortunately, often occurs in Vietnam.

Smarttraveller warns Australians to be alert at all times in Vietnam, considering petty theft–including bag slashing–is common in tourist areas and crowded places, especially during holiday times. Snatch-and-grab theft by thieves on motorcycles is also common, the website states.

Like most international travel insurance policies, you will be able to find basic coverage for your trip to Vietnam, or choose to opt for a more comprehensive, albeit more expensive, policy.

While a basic policy will often cover medical expenses and lost luggage,a comprehensive policy includes a lot more. Most basic policies also likely won’t offer compensation for travel delays, stolen cash, accidental death and more.

Additionally, if you are going on a trip to multiple countries within the year, it may be worth opting for an ‘annual multi trip’ insurance instead—making sure that there are no exclusions to the regions you are wishing to visit.

Visa Requirements For Australians Travelling to Vietnam

You’ll still be allowed to travel to Vietnam if you don’t invest in travel insurance, but you do so at your own risk—and, as stated, it is highly advised to have a travel insurance policy for any overseas trip.

However, what you cannot do is enter Vietnam as an Australian tourist without a tourist visa. While Vietnam will grant Australian citizens visas on arrival, applying for one online is much easier.

A tourist visa costs under $100 AUD; however the exact price depends on your length of stay.

The Vietnamese government may consider waiving visas for Australian citizens, especially since many other SEA countries have done so such as Indonesia and Thailand .

However, at the time of writing, Forbes Advisor Australia has confirmed that Australian citizens must still obtain a visa to visit Vietnam for tourism purposes.

The exact inclusions of your travel insurance will be dependent on your personal policy and the provider.

However, generally speaking, you can expect a travel insurance policy for Vietnam to offer some level of cover for:

• Medical expenses;
• Lost, damaged or stolen luggage;
• Travel cancellations or delays ;
• Personal liability;
• Credit card fraud;
• Covid-19 expenses;

If you are partaking in certain sports and activities, you will need to make sure that you choose a policy that covers them. You’ll also need to make sure that your policy covers any pre-existing medical conditions as well.

Plus, if you are travelling with valuables, you may wish to opt for a policy that lets you increase the protection cover on your items.

Ultimately, you need to consider what your trip consists of, what you will be taking with you, and your physical health to establish what policies would be appropriate for you.

From there, you can compare quotes of different policies and providers to ensure you have the optimal—yet affordable—cover for your trip to Vietnam.

Does Travel Insurance Cover The Ha-Giang Loop?

Considered one of the most scenic motorcycle routes in the world, the Ha-Giang Loop is a popular tourist activity in Vietnam for adventurous travellers. If the Ha-Giang Loop is one of your goals, you’ll need to make sure you have travel insurance that covers motorcycling.

Occasionally a policy may include this as one of their included ‘sports and activities’, but it is more often the case that you will need to purchase an additional ‘adventure pack’ that is either specific to, or includes, motorsports.

Even so, when purchasing an additional pack to cover motorbikes, you need to be cautious of the conditions. For example, some policies will only cover motorcycle riding if the bike you are riding has an engine under a certain size.

Often, coverage will cease and claims won’t be accepted if you haven’t been wearing the correct safety equipment such as boots and a helmet, or have been under the influence of drugs and alcohol.

What Does Travel Insurance Exclude?

Your travel insurance policy may exclude some activities that you wish to partake in, unless you can opt-in to purchase an additional adventure pack as explained above in regards to motorbike riding.

Just like with the inclusions of a policy, the exclusions depend on what type of policy you choose, and what provider you go with.

Commonly, however, you won’t be covered for instances where you:

• Break the law;
• Are under the influence of alcohol or drugs;
• Partake in an excluded activity;
• Receive medical treatment for a pre-existing condition that was not disclosed;
• Travel to a ‘Do Not Travel’ destination as outlined by Smarttraveller.

As always, it is essential to read the product disclosure statement (PDS) of your travel insurance policy carefully to understand what you will and won’t be covered for while overseas.

Do I need a visa to travel to Vietnam?

Yes, as of April 2024, Australian tourists still need a visa to travel to Vietnam. This visa can be obtained on arrival, or purchased online prior to travel. The visa takes approximately three days to process online, and the cost depends on how long you intend to stay in the country.

Does international travel insurance cover Covid-19?

Many comprehensive travel insurance policies now cover Covid-19, including medical conditions related to Covid-19 or trip cancellations due to a Covid-19 diagnosis. However, it is not guaranteed that all policies will. It’s important to check your policy’s PDS carefully to understand what it will and will not cover in regards to Covid-19 for both you and your travelling companions.

Related: Travel Insurance And Covid: Are You Covered?

How much does travel insurance cost for Vietnam?

The cost of your travel insurance for a trip to Vietnam will depend on your age, your health, the activities you wish to partake in, and the length of your stay.

For example, for a 34 year old with no pre-existing medical conditions travelling to Vietnam for two weeks, a policy from some of our top choices for comprehensive travel insurance would cost around $130 (based on quotes from Cover-More , 1Cover , and Fast Cover ).

The prices of these quotes would change depending on a chosen excess, cancellation cover, and any additional coverage options you may choose to purchase such as adventure packs or cruise cover.

Related: How Much Does Travel Insurance Cost?

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Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

• PL - polski

Poland in Qatar

Information on medical insurance - national visas.

We would like to kindly inform you on December 1, 2020, the amendment to the Act on foreigners of December 12, 2013, has entered into force, specifying new requirements for mandatory travel medical insurance for foreigners applying for a national visa.

Therefore, we would like to inform you that the Ministry of Foreign Affairs has published on its website information on insurers and insurances offered by them that meet the conditions set by the above law.

The information is available at  https://www.gov.pl/web/dyplomacja/wizy .

Information of the Minister of Foreign Affairs about insurers and insurances offered by them that meet the conditions referred to in sec. 1 point 2 lit. a and paragraph 1b of the Act of 12 December 2013 on foreigners .