If you are planning to work in Europe, one of the key questions applicants often ask is: “Do I need travel insurance for a work visa?” The answer is yes—in most cases, valid travel or health insurance is required when applying for a European work visa.

Why Travel Insurance Is Required

European countries want to ensure that foreign workers are protected in case of:

• Medical emergencies

• Hospitalization costs

• Repatriation (emergency return to home country)

• Accidents or injuries

Travel insurance provides security for both the applicant and the host country, making it a mandatory requirement in many visa applications.

Schengen Area Requirements

If you are applying for a Schengen work visa (for countries like Germany, France, Spain, Italy, etc.), you must show proof of:

• Travel medical insurance coverage of at least €30,000

• Coverage valid in all Schengen states

• Insurance valid for the duration of your initial stay

Once you arrive and receive your residence permit, you will often need to switch to local health insurance (public or private) as per national regulations.

Country-Specific Rules

• Germany: Work visa applicants must show proof of health insurance, which may be private insurance until you register for German statutory health insurance.

• Poland: Requires medical insurance covering at least €30,000 until you enter the national system.

• France: Similar requirement for initial entry, after which you register with the French social security system.

• Non-Schengen countries (like the UK or Ireland): They have their own healthcare and visa insurance rules, often requiring proof of sufficient funds and private insurance until employed.

How to Get the Right Insurance

• Choose a recognized international insurance provider that meets Schengen visa requirements.

• Ensure the policy covers the full duration of your travel until you are officially employed and registered in the local health system.

• Keep both digital and printed copies of your insurance certificate for your visa interview and border control.

Yes, travel or medical insurance is required to apply for a Europe work visa. While the type of insurance may differ slightly depending on the country, applicants should always be prepared with valid coverage that meets Schengen or national requirements. After arrival, you will usually transition into the local healthcare system through your employer.