--- title: "Travel insurance for a Schengen visa" description: "What consulates check on a Schengen travel insurance certificate (30,000 euros, all Schengen countries, the whole stay), who sells it in Morocco and the price." url: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/schengen-visa-travel-insurance/ language: en translations: fr: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/fr/assurance-voyage-visa-schengen/ ar: https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/ar/schengen-visa-travel-insurance/ last_updated: 2026-11-06 publisher: "Assurlik" --- # Travel insurance for a Schengen visa A Schengen visa file is not complete without a travel insurance certificate, and a certificate that is a day short or names the wrong countries can sink it. Here is what is checked, and how to get it right the first time. - **Minimum cover:** 30,000 euros - **Where:** Every Schengen country - **Dates:** The whole stay - **Price:** About 100 to 300 MAD for a short stay ## What the rules require The EU Visa Code (Regulation 810/2009, article 15) sets the same rule for every Schengen consulate: - The insurance covers **repatriation for medical reasons, urgent medical care, emergency hospital treatment and death**. - It is valid **in every Schengen country**, and for **the whole stay**. - The minimum cover is **30,000 euros**. - For a **multiple-entry visa**, the first trip must be covered, and you sign a statement on the form that you will be insured for the following ones. A yearly contract avoids the question. ## Check the certificate before you hand it in - Your name and passport number exactly as in the passport. - The dates: from the day you enter the Schengen area to the day you leave. A day of margin at each end costs little. - The zone: "Schengen" or "Europe" including every Schengen country, and any country you cross. - The amount: at least 30,000 euros. Some Moroccan certificates show it in dirhams. - The emergency assistance number, the contract number and the company's name. - For a family, every traveller named. ## Who sells it in Morocco Moroccan assistance companies sell travel contracts with a certificate for the visa file: - [Maroc Assistance Internationale](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/mai-assistance/), of the Banque Populaire group: Schengen Visa. - [Africa First Assist](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/africa-first-assist/): Isaaf Visa Europe. - [RMA Assistance](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/rma-assistance/): RMASSIST'Voyage Europe, from 487 MAD a year. - [Wafa IMA Assistance](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/wafa-ima-assistance/): travel assistance contracts. - [Cover Edge](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/cover-edge/): Europe or World zone, for 6 months or 1 to 5 years. Assurlik is not linked to any of them. Compare the price, the cover and the refund terms before you buy. ## Prices | Contract | Indicative price in 2026 | | --- | --- | | Short stay in the Schengen area, a few days to a month | About 100 to 300 MAD | | Six-month or yearly contract, Europe, each stay limited to 90 days | About 450 to 650 MAD | | Traveller over 70 | Around 20% more | These figures come from price lists published by assistance companies. Check the current price for your age and dates. ## If the visa is refused - Ask before you buy whether the premium is refunded on proof of the refusal, and on what conditions. - If you change your dates, ask the company for a new certificate before you hand in the file again. - Once you travel, keep the emergency number with your passport, and call it before you pay any hospital. [How to use travel insurance abroad](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/travel-insurance/#choosing-and-using-it) ## Questions **Is AMO enough for the visa?** No. Abroad, AMO pays only for unforeseen emergencies, on the basis of Moroccan tariffs, and gives no certificate that consulates accept. You need a travel assistance contract. **Do children need their own certificate?** Every traveller must be covered and named. A family contract lists everyone on one certificate. **Do the same rules apply to a visa for the United Kingdom or the United States?** No. These are Schengen rules. Other countries set their own: read the consulate's list before you buy. ## Official sources - [EUR-Lex · 810/2009](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32009R0810): The EU Visa Code. Article 15 sets the travel medical insurance rules - [ACAPS](https://www.acaps.ma): The insurance regulator: licensed companies and rules - [Médiateur de l'Assurance](https://www.mediateurassurance.ma): Free mediation between you and your insurer ## Related guides - [Travel and assistance](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/travel-insurance/) - [MAI](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/mai-assistance/) - [Cover Edge](https://dashboard.cr43dv6zq7.com/morocco-insurance-guide/en/cover-edge/)