Every Schengen visa application requires travel insurance. This guide explains exactly what Pakistan applicants need — minimum coverage, costs, which certificate embassies accept and how to get yours fast.
Schengen visa travel insurance from Pakistan must cover at least €30,000 in emergency medical and repatriation costs, be valid in all 27 Schengen countries, and cover your entire trip duration. SGI issues same-day certificates accepted by all Schengen embassies in Pakistan.
The Schengen visa regulations — set by the European Union — make travel insurance a mandatory condition of every short-stay visa application. Without a valid insurance certificate, your visa application will be rejected regardless of how strong the rest of your file is.
The insurance requirement exists because Schengen countries want to ensure visitors can cover emergency medical costs without becoming a burden on the local healthcare system. Emergency hospital treatment in Europe can cost tens of thousands of euros — the €30,000 minimum is the floor, not the recommended amount.
Your travel insurance policy must meet all of these requirements to be accepted by Schengen embassies:
Schengen travel insurance is very affordable compared to the cost of your visa and flights. Typical costs from Pakistan:
| Trip duration | 1 person | Family of 4 |
|---|---|---|
| 7 days | PKR 3,000 – 5,000 | PKR 8,000 – 14,000 |
| 15 days | PKR 5,000 – 8,000 | PKR 14,000 – 22,000 |
| 30 days | PKR 8,000 – 14,000 | PKR 22,000 – 38,000 |
| 60 days | PKR 14,000 – 24,000 | PKR 38,000 – 65,000 |
Approximate figures. Actual cost depends on ages of travellers, exact destination and coverage level selected. WhatsApp us for an exact quote.
Getting your SGI Schengen insurance certificate is straightforward:
Send us your passport copy (or CNIC), travel dates, destination countries and number of travellers on WhatsApp.
We recommend at least €50,000 cover for Schengen travel. We will suggest the right plan based on your trip.
We confirm the premium. You pay and we prepare your certificate — typically within a few hours.
You receive a formal insurance certificate in PDF format, ready to submit with your visa application.
We understand visa timelines are tight. WhatsApp us with your travel dates and we will do our best to get your certificate out the same day.
Get Schengen insurance certificateSome cheap policies offer lower coverage to reduce cost. These will be rejected. Always verify the policy shows at least €30,000 on the certificate.
Repatriation must be explicitly listed. A basic medical policy without repatriation cover does not meet Schengen requirements.
The insurance start date must match your first day of travel — not the date you apply for the visa. Double-check this before submitting.
Some policies only cover specific countries. Your Schengen insurance must state it covers the whole Schengen area.
Same-day certificate. Accepted at all Schengen embassies in Pakistan.
