Schengen visa insurance when applying from United States
US Schengen missions publish insurance requirements, rarely insurer lists: Italy's New York consulate names six providers; German missions accept no deductible or co-pay. AXA Schengen's own terms exclude US residents. All read August 31, 2026.
Insurer lists published by consulates and visa centres in United States
Some Schengen missions publish a list of insurers whose certificates they accept. These are the lists we found for applications lodged here, each with its own date.
| Destination | Issuing authority | List date | Named insurers |
|---|---|---|---|
| Germany | Authority:German Missions in the United States — 'Medical Health Insurance' sheet, germany.info | List date:undated | Named insurers:requirements page, no insurer list |
| Spain | Authority:Consulate General of Spain in New York — BLS Spain Visa Application Center New York checklist | List date:undated | Named insurers:requirements page, no insurer list |
| Italy | Authority:Consulate General of Italy in New York — visa FAQ | List date:undated | Named insurers:Insuremytrip.com; Access America; International Corporate Benefits Inc.; International Medical Group; International Travel Insurance & Emergency Evacuation Assistance; Travelex (each listed with a US phone number) |
| Netherlands | Authority:Ministry of Foreign Affairs of the Netherlands — 'Applying for a Schengen visa for the Netherlands in the United States' | List date:undated | Named insurers:requirements page, no insurer list |
What Schengen missions in the United States publish is requirements, not accepted-insurer lists. Of the four channels we could read on August 31, 2026, only the Consulate General of Italy in New York names insurers: its visa FAQ follows the sentence 'Schengen regulations require all applicants to have health insurance coverage before departing.' with six US providers, each with a phone number. The German missions' insurance sheet names none by design — it points applicants to 'your local Yellow Pages or on the internet'. Spain's New York checklist and the Netherlands' US jurisdiction page state requirements and name no insurer; the Dutch insurance conditions sit on a separate, non-US page. None of the four documents prints a publication date, so 'undated' in the table means exactly that and the date to rely on is our read date. France (france-visas.gouv.fr) and Greece (mfa.gr/usa) refused automated reads the same day (HTTP 403); they are unlisted rather than guessed.
What applies specifically in United States
Local practice
All read at the missions' own pages on August 31, 2026; none of the documents carries a print date. German Missions in the United States, insurance sheet (germany.info): cover of at least EUR 30,000 valid for all Schengen States; 'Any expenses for medical treatment (incl. dental treatment), hospitalization, medical evacuation and medical repatriation back into the U.S. must be covered.'; 'The amount must be spelled out or it must say unlimited. NO reimbursement, deductible or co-pay is accepted.'; only confirmations issued by the health provider count — 'Confirmation letters by your employer are not accepted.' The sheet requires 'medical evacuation' to be spelled out, a term Article 15 of Regulation (EC) No 810/2009 itself does not use (EUR-Lex consolidated text, checked August 30, 2026). German appointments run 'via the service provider BLS International (except Consulate General Atlanta)' (germany.info visa page). Spain, Consulate General in New York (BLS checklist): 'Must be a 0$ deductible policy.'; 'Minimum coverage of 30,000 Euros or its equivalent in USD'; the certificate must specify repatriation of remains and carry the applicant's name — 'An insurance card will not be accepted as proof of coverage'. Same checklist, jurisdiction: applicants show a green card or a US residence visa, and 'B1/B2 tourist visa holders and EAD holders must apply in their home country'. Netherlands: 'You can only submit an application there if you live in the United States.'; lodging via VFS Global in Chicago, Houston, Los Angeles, Miami, New York, San Francisco and Washington D.C. Italy, Consulate General in New York (FAQ): legal immigration status shown by a 'Valid Permanent Resident Card (Green Card)' or a 'Long Term US visa (not B1/B2)'.
Where travellers buy
Read the exclusion first: AXA Schengen — Basic/Low Cost, Essential/Europe Travel and Multi Trip — does not insure US residents. All three July 2026 General Terms & Conditions state the country of residence 'cannot be the United Kingdom (UK) or the United States of America (USA)' (§3.3, p. 10, read August 31, 2026); the terms direct UK and US residents to separate AXA websites. Findspots on our /check/axa-schengen-low-cost, /check/axa-schengen-europe-travel and /check/axa-schengen-multi-trip pages. Among the wordings we have verified: MondialCare's eligibility clause asks only 'tax and/or legal residence ... outside the Schengen area' (T&C § 1.1, p. 3, read August 31, 2026) — no US bar — but the policy states 'Deductible: €50 per claim' on its medical row (§ 7 table, p. 19), which does not meet the German missions' 'NO reimbursement, deductible or co-pay' rule or Spain New York's '0$ deductible policy' line. schengen.care's terms conclude the product 'for Foreigners' — anyone who is not a Polish citizen — state no residence-country restriction, and establish no deductible in the benefits table (GTC and IPID, read August 31, 2026). US-market wordings — WorldTrips Atlas Travel, IMG Patriot International, Trawick Safe Travels Voyager — were still in verification on August 31, 2026 and have no matrix row yet; International Medical Group does appear among the six providers named on the Italian consulate's New York FAQ.
Most-applied destinations
Germany, Spain, Italy and the Netherlands — the four destinations whose United States application channels we verified on August 31, 2026. That is verification order, not a demand ranking; France and Greece blocked automated reads the same day.
Sources
- — August 31, 2026 — German Missions in the United States, 'Medical Health Insurance' instruction sheet (undated)
- — August 31, 2026 — germany.info Schengen visa page: appointments via BLS International, except Atlanta
- — August 31, 2026 — BLS Spain Visa Application Center New York checklist (undated), read in full
- — August 31, 2026 — Consulate General of Italy in New York visa FAQ (undated), the one US-mission page we found naming insurers
- — August 31, 2026 — Netherlands US jurisdiction page: residence requirement and the seven VFS Global cities
- — August 31, 2026 — AXA GTC July 2026, §3.3 p. 10: US/UK residence exclusion (same clause in the Basic and Multi Trip wordings)
- — August 31, 2026 — MondialCare T&C: eligibility § 1.1 p. 3, medical deductible § 7 p. 19
- — August 31, 2026 — schengen.care GTC: no residence-country restriction, no deductible established
- — August 31, 2026 — attempted, HTTP 403; France not verified
- — August 31, 2026 — attempted, HTTP 403 (two paths); Greece not verified
Checked on
Two things set applying from the United States apart. First, the applicant pool is visa-required nationals who live in the US — green-card and long-term-visa holders. The missions police that residence: BLS Spain's New York checklist admits an 'Alien Residence Card (Green Card) or residence visa valid in the US' and adds that 'B1/B2 tourist visa holders and EAD holders must apply in their home country', while the Netherlands states 'You can only submit an application there if you live in the United States.' (both read August 31, 2026).
Second, the printed insurance instructions go beyond the Article 15 requirements. The German missions' sheet demands the amount 'spelled out or it must say unlimited' and adds: 'NO reimbursement, deductible or co-pay is accepted.', with 'medical repatriation back into the U.S.' covered — wording a policy letter showing a co-pay cannot meet. Spain's New York checklist requires a '0$ deductible policy.'. Neither document names an insurer. The one named list we found is the Italian consulate in New York's FAQ: six US providers, among them International Medical Group and Travelex (all pages read August 31, 2026; all four documents undated).
The trap sits with the best-known brand: AXA Schengen's July 2026 terms state the country of residence 'cannot be the United Kingdom (UK) or the United States of America (USA)' (GTC §3.3, p. 10, read August 31, 2026) — details on our AXA check pages. Of the wordings we have verified, MondialCare's eligibility asks only residence outside the Schengen area, but its stated EUR 50 per-claim deductible does not meet the German or Spanish deductible lines; schengen.care's terms state no residence bar and no deductible. US-market wordings (WorldTrips, IMG, Trawick) were still in verification on August 31, 2026.
Questions from applicants in United States
Can a US green card holder buy AXA Schengen visa insurance?
No. All three July 2026 AXA Schengen wordings — Basic/Low Cost, Essential/Europe Travel and Multi Trip — state the country of residence 'cannot be the United Kingdom (UK) or the United States of America (USA)' (General Terms & Conditions §3.3, p. 10, read August 31, 2026), and direct UK and US residents to separate AXA websites.
Do Schengen consulates in the United States publish lists of approved insurers?
Mostly no. Of the four channels we read on August 31, 2026, only the Consulate General of Italy in New York names insurers — six US providers on its visa FAQ, undated. The German missions' sheet names none and points applicants to 'your local Yellow Pages or on the internet'; Spain's New York checklist and the Dutch US page state requirements only.
Does a regular US health plan with co-pays meet the printed instructions?
The German missions' sheet states: 'NO reimbursement, deductible or co-pay is accepted.', requires 'medical repatriation back into the U.S.' to be covered, and rejects employer confirmation letters. Spain's New York checklist requires a '0$ deductible policy.'. A policy letter showing a deductible or co-pay does not meet those printed instructions (both documents read August 31, 2026).
Which verified policy wordings do not exclude US residents?
As of August 31, 2026: MondialCare's eligibility clause asks 'tax and/or legal residence ... outside the Schengen area' (§ 1.1, p. 3) — though its EUR 50 per-claim deductible collides with the German and Spanish no-deductible instructions — and schengen.care's terms cover any non-Polish citizen with no residence-country restriction and no established deductible. US-market wordings (WorldTrips Atlas Travel, IMG Patriot, Trawick Safe Travels Voyager) were still in verification that day.