Insurance

Migrating to Europe in 2025: What Insurance You Must Have Before Departure

Written by agency

If you are planning to migrate to Europe in 2025 you are in the right place and blog. Whether you’re heading there for work, study, or family reunification, one requirement you cannot afford to skip is valid health or travel insurance.

Every visa category โ€” from Schengen tourist visas to long-term work permits โ€” comes with specific insurance rules. Missing the right coverage could mean a visa denial, border refusal, or expensive medical bills.

This post breaks down the Europe visa insurance rules, explains the Schengen health insurance minimums, and helps you pick the right EU migration insurance policy before your departure.

๐Ÿงฎ EU Migration Insurance Cost Estimator (2025)

Estimate your insurance cost for migrating to any EU country based on duration and visa type.







๐Ÿ’ถ Estimated Insurance Cost: โ‚ฌ0

๐Ÿ“‹ Embassy-Approved Insurance Provider Comparison

Provider Coverage Range Accepted For Instant Certificate Website
AXA Schengen โ‚ฌ30,000 โ€“ โ‚ฌ100,000 Schengen, Work, Study โœ… Yes Visit
CareMed Up to โ‚ฌ1,000,000 Students, Workers, Family โœ… Yes Visit
Mawista โ‚ฌ30,000+ Germany, Students, Blue Card โœ… Yes Visit
Foyer Global Health Flexible France, Work Visas โœ… Yes Visit

โœ… Is Insurance Mandatory for Europe Visa Holders?

Yes โ€” in most cases, insurance is either legally required or strongly recommended before entering the EU.

Visa TypeInsurance Required?Notes
Schengen Short-Stay Visaโœ… YesMandatory โ‚ฌ30,000 medical and repatriation coverage
Long-Term Work Visaโœ… YesRequired unless covered by national health systems
Student Visaโœ… YesOften required for entire study period
Family Reunificationโœ… OftenVaries by country and relationship type
EU Blue Cardโœ… YesValid public or private health insurance required
Permanent Residency๐Ÿ”ถ MaybeProof of coverage may be required for approval

๐ŸŒ Schengen Area: Minimum Insurance Requirements

To apply for a Schengen Visa (for travel up to 90 days within 26 countries), you must present insurance that meets the following criteria:

RequirementMinimum Standard
Coverage amountAt least โ‚ฌ30,000
Valid across all Schengen statesโœ… Required
Covers emergency medical expensesโœ… Required
Covers repatriation of remainsโœ… Required
Insurer accepted in EU countriesโœ… Required
DurationFull stay period

Failing to meet even one of these requirements can lead to visa rejection.


๐Ÿ›‚ Long-Stay Visas: Country-Specific Insurance Rules (2025)

If you’re migrating for work, study, or family reunion, here’s what you need to know per country:


๐Ÿ‡ฉ๐Ÿ‡ช Germany

  • Visa Types: Work visa, Blue Card, student visa
  • Insurance Required: Yes โ€” either public (e.g. TK, AOK) or private (e.g. Mawista)
  • Minimum Duration: Entire visa period
  • Special Notes: Must be accepted by German authorities for visa approval

๐Ÿ‡ซ๐Ÿ‡ท France

  • Visa Types: Talent Passport, student, family
  • Insurance Required: Yes โ€” private coverage until enrolled in state health insurance
  • Minimum Coverage: โ‚ฌ30,000+
  • Special Notes: Required even for job seekers entering on long-stay visas

๐Ÿ‡ฎ๐Ÿ‡น Italy

  • Visa Types: Work visa, family visa, student visa
  • Insurance Required: Yes, private or regional registration
  • Special Notes: Insurance must be valid before visa is issued

๐Ÿ‡ณ๐Ÿ‡ฑ Netherlands

  • Visa Types: Highly skilled migrant, student, family
  • Insurance Required: Yes โ€” required within 4 months of arrival
  • Special Notes: You may use travel insurance for the first 3 months

๐Ÿ‡ช๐Ÿ‡ธ Spain

  • Visa Types: Non-lucrative, work, study
  • Insurance Required: Yes โ€” private insurance covering the full visa period
  • Special Notes: Insurance must exclude co-payments and be valid in Spain

๐Ÿ‡ต๐Ÿ‡ฑ Poland

  • Visa Types: National D (work/study)
  • Insurance Required: Yes
  • Minimum Coverage: โ‚ฌ30,000
  • Special Notes: Must cover treatment, hospitalization, and repatriation

๐Ÿ’ผ Insurance Providers Accepted Across Europe

ProviderCountries Accepted InCoverage Amount OptionsNotes
AXA SchengenAll Schengen statesโ‚ฌ30,000 โ€“ โ‚ฌ100,000Instant certificate
CareMedSchengen + long-stay countriesUp to โ‚ฌ1 millionStudent/work migration plans
MawistaGermany + Schengenโ‚ฌ30,000+Ideal for Blue Card & students
Allianz TravelEU-wideCustomizablePremium-level coverage
Foyer Global HealthFrance, Germany, ItalyFull hospitalizationSuitable for family migration

๐Ÿ’ก What to Look for in an EU Migration Insurance Policy

Before purchasing, check if your policy:

  • Covers emergency treatment and hospitalization
  • Includes repatriation of remains
  • Has at least โ‚ฌ30,000 in medical coverage
  • Is valid in your entire destination country or EU zone
  • Includes a certificate in English or the destination language
  • Matches your exact visa duration

๐Ÿ“‹ Sample Cost: Insurance for Europe Migration (2025)

DurationEstimated Cost (โ‚ฌ)Notes
1 Monthโ‚ฌ20 โ€“ โ‚ฌ50Schengen tourist insurance
6 Monthsโ‚ฌ150 โ€“ โ‚ฌ300Temporary work/student insurance
1 Yearโ‚ฌ250 โ€“ โ‚ฌ500+Full migration coverage
Family (1 year)โ‚ฌ600 โ€“ โ‚ฌ1,000Includes spouse and dependents

Prices vary depending on provider, age, and coverage level.


๐Ÿง  FAQs

Q: Do I need insurance if Iโ€™m applying for permanent residence?
๐Ÿ‘‰ It depends. Some countries ask for proof of coverage until youโ€™re enrolled in their public system.

Q: Can I use my travel credit card insurance for a visa?
๐Ÿ‘‰ Unlikely. Most embassies require official policy documents with your name and visa duration.

Q: What if I cancel my insurance after visa approval?
๐Ÿ‘‰ This can be risky. Immigration officers may ask for proof upon arrival.

Q: Whatโ€™s the best insurance for long-term work visa holders?
๐Ÿ‘‰ Choose plans like CareMed, Mawista, or AXA international that support migration and long-term coverage.


๐Ÿ“Ž Helpful Resources


Key Takeaways

  • Most migrants need valid health insurance before receiving a European visa
  • For Schengen, the minimum is โ‚ฌ30,000 in coverage for emergency and repatriation
  • Country-specific work and family visas often require private insurance until public registration
  • Choose policies that provide instant certificates, full coverage, and are accepted by embassies
  • Never travel to Europe without confirming your visa-related insurance obligations

Things you can find here: Top 10 High-Paying Remote Jobs with Visa Sponsorship in 2025, Pathways to UK Citizenship, Migrating to Schengen Countries for Individuals from Africa, Asia, and Other Continents, Applying for Canada Student Visas, Graphic Designer Jobs in the USA and Canada: Application Process, Visa Types, and Sponsorship Opportunities.

Pro Tip: For the best visa sponsorship jobs and insurance options for immigrants, explore our Visa Sponsorship section and Insurance category.

Written by our team of international travel and visa experts based in Canada. Read more helpful guides like this here.

About the author

agency

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