Schengen-€30,000 Minimum Cover in Germany

€30,000 medical cover plus medically necessary repatriation, valid across the whole Schengen area for the entire requested stay — set by EU Regulation 810/2009. Care Visa Protect from €0.85/day (minimum premium €7.50) meets all four criteria.

Yes — the three most common reasons are missing repatriation, coverage below €30,000, and a geographic scope that excludes some Schengen countries. Using a policy explicitly designed for Schengen (Care Visa Protect) avoids these traps.

Check three things: coverage amount (at least €30,000), explicit mention of medical repatriation, and geographic scope (all Schengen states, not only your destination). Many general travel policies fail on repatriation — the Schengen quick-check tool flags this in seconds.

Base tier at €0. Care Visa Protect Comfort and Premium tiers raise the cap to €1 million per case with 0 € deductible — recommended for USA/Canada legs of a Schengen trip where hospital bills can exceed €100,000 for a single admission. 85/day already covers the €30,000 legal minimum.

Yes — Care Visa Protect covers acute COVID-19 treatment (hospital, medication) and acute dental relief within the €30,000 limit, with no waiting period. Cosmetic dentistry, pre-existing conditions and treatment planned before departure remain excluded per § 193 VVG standard exclusions.