Skip to content
A Quotes.ae research product

What insurance does your Schengen visa need?

Pick the country you are applying to. The answer shows the EU rule and what that consulate in the UAE adds.

EUR 30,000
The least medical cover every Schengen consulate asks forEU Visa Code, Article 15
  • Medical cover of at least EUR 30,000 for repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment.
  • Valid in every Schengen country for your intended stay. For a multiple-entry visa, proof for your first intended visit, plus a signed statement that you know cover is needed for later stays.
  • UAE nationals do not need a Schengen visa for stays of up to 90 days in any 180.
Which country are you applying to?

What the Germany consulate adds

  • Credit card insurance is not accepted.
  • For a multiple-entry visa, the declaration asks for an insurer with an office in a Schengen country, Switzerland or Liechtenstein.
Credit card cover
Not accepted
Decided in
Dubai
Applications in 2025
40,555
Document date
Mission pages undated. The VFS copy of the declaration is dated 30 March 2022.

Read 4 November 2026: German Consulate General Dubai (Federal Foreign Office), German Missions in the UAE (Federal Foreign Office).

Read the guide for Germany

What the Netherlands consulate adds

  • Named proof of cover, for example the policy schedule.
  • A policy from another country is allowed if no insurer in your country of residence offers the cover.
Credit card cover
Not mentioned
Decided in
Dubai
Applications in 2025
31,634
Document date
Undated.

Read 4 November 2026: NetherlandsWorldwide (Dutch government), VFS Global, Netherlands UAE checklist.

What the France consulate adds

  • The France-Visas UAE page and the visa centre page give no insurance terms beyond the EU rule.
Credit card cover
Not mentioned
Decided in
Abu Dhabi
Applications in 2025
28,160
Document date
Undated.

Read 4 November 2026: France-Visas (French government), VFS Global, France UAE.

What the Italy consulate adds

  • If you live in Dubai or the Northern Emirates, the Dubai consulate checklist asks for full and unlimited hospital cover and a detailed table of benefits.
  • The Abu Dhabi embassy checklist has no such line.
Credit card cover
Not mentioned
Decided in
Abu Dhabi and Dubai
Applications in 2025
27,398
Document date
Dubai checklist v. June 2026. Abu Dhabi file dated 18 March 2025.

Read 4 November 2026: Consulate General of Italy, Dubai, Embassy of Italy, Abu Dhabi.

Read the guide for Italy

What the Norway consulate adds

  • Restates the EU rule in one line. Repatriation is not mentioned.
Credit card cover
Not mentioned
Decided in
Abu Dhabi
Applications in 2025
16,232
Document date
Undated.

Read 4 November 2026: VFS Global, Royal Norwegian Embassy checklist.

What the Greece consulate adds

  • Restates the EU rule.
  • The visa centre checklist says insurance card copies are not accepted. It does not say what counts as a card copy.
Credit card cover
Unclear
Decided in
Abu Dhabi
Applications in 2025
13,587
Document date
Undated.

Read 4 November 2026: Embassy of Greece, Abu Dhabi, VFS Global, Greece UAE checklist.

What the Austria consulate adds

  • A short line on insurance. Repatriation is not mentioned.
Credit card cover
Not mentioned
Decided in
Abu Dhabi
Applications in 2025
7,406
Document date
Undated. File title says Okt.2025.

Read 4 November 2026: VFS Global, Austria UAE checklist.

Another Schengen country

The EU rule above applies. Check the consulate’s own checklist for anything it adds, such as credit card cover or where the policy must be issued.

Read the Schengen visa insurance guide

Schengen plans sold by UAE insurers

Plans their insurer describes as a Schengen plan or as meeting Schengen visa rules, with the limits and prices the insurer publishes. Check a plan against your consulate’s terms before you buy.

InsurerPlanMedical limitPublished price
ADNICMussaferPlus SchengenUSD 60,000From AED 44.06, per member, up to 5 days
AIG UAETravel Guard GoldUSD 100,000
AIG UAETravel Guard PlatinumUSD 500,000
AIG UAETravel Guard SilverUSD 50,000
Allianz Travel (Alliance Insurance)Allianz Travel SchengenUSD 60,000From AED 68, single trip, adult aged 18 to 65, up to 5 days
GIG GulfTravel SchengenEUR 40,000From AED 50, per person, 5-day trip, before VAT
Liva InsuranceSchengen TravelEUR 30,000
Orient InsuranceTravel Family PlusUSD 150,000From AED 114.1, per family, 5-day trip, including 5% VAT
Orient InsuranceTravel Lite PlusUSD 50,000From AED 54.85, per person, 5-day trip, including 5% VAT
Orient InsuranceTravel Safe PlusUSD 100,000From AED 65.35, per person, 5-day trip, including 5% VAT
Orient InsuranceTravel Secure PlusUSD 1,000,000From AED 102.1, per person, 5-day trip, worldwide excluding the USA, Canada and the Caribbean, including 5% VAT
Orient InsuranceTravel Senior PlusUSD 50,000From AED 318.85, per person, 5-day trip, including 5% VAT
SalamaSchengenEUR 30,000
Sukoon InsuranceTravel Easy Annual IndividualUSD 1,000,000From AED 685, annual multi-trip, per person aged 18 to 60, before 5% VAT
Sukoon InsuranceTravel Easy EliteUSD 75,000From AED 60, single trip, 1 to 7 days, worldwide excluding the USA and Canada, age 6 months to 60, before 5% VAT
Sukoon InsuranceTravel Easy UltimateUSD 1,000,000From AED 115, single trip, 1 to 7 days, worldwide excluding the USA and Canada, age 6 months to 60, before 5% VAT
From each insurer’s published documents, read 12 November 2026. Sources are on each insurer’s page. A blank cell means the insurer does not publish the figure.

Sources

What would you like to do next?