Schengen Visa Refused: Travel Medical Insurance Was Not Valid
This is the most straightforward refusal to correct — your travel medical insurance simply did not meet the Schengen rules. With a compliant policy, this ground disappears.
What this refusal means
“The travel medical insurance is not valid.”
This is the most straightforward refusal to correct — your travel medical insurance simply did not meet the Schengen rules. With a compliant policy, this ground disappears.
Why it happens — and how we fix it
Why this refusal happens
- Cover below the required €30,000
- A policy not valid in all Schengen countries
- Insurance dates that do not cover your full stay
- A policy from a provider the consulate does not recognise
- Missing repatriation / emergency medical cover
How we rebuild it for your re-application
- A compliant policy with at least €30,000 medical cover
- Valid across all 27 Schengen states
- Covering your entire trip, from entry to exit
- From a recognised insurer, including repatriation
- Included as a standard part of our service
Refused despite a strong profile?
Senior professionals, business owners and high earners are refused every week — not for lack of money, but because the file did not answer the officer’s real doubt. A strong income alone is never enough.
We specialise in rebuilding files for exactly this profile: strong applicants who were refused and need the file to say what the officer needs to hear.
Send us your refusal letter
- We identify the exact ground that was ticked
- We tell you honestly: reapply or appeal
- We rebuild the file around that reason
- No false promises — the consulate decides
How we turn a refusal around
Send us your refusal letter
Share the refusal sheet with the ticked reasons and your original documents.
Free honest review
We pinpoint the exact ground and tell you whether to reapply or appeal — no false promises.
We rebuild your file
Cover letter, finances, itinerary, insurance and bookings, rebuilt around the refusal reason, in 3–5 working days.
Reapply or appeal
Submit a stronger fresh application, or lodge a formal appeal within the deadline. We prepare either.
Travel Medical Insurance Was Not Valid — FAQ
How much insurance cover do I need?
Is insurance really a common refusal reason?
Do you provide the insurance?
Can I reapply straight away?
Do you guarantee approval after fixing insurance?
Related refusal help
Refused? Send us the letter today
Get an honest review of your refusal and a rebuilt, embassy-ready file — from people who turn refusals around every week.
Get your refusal reviewed free
Share a few details and our team will review your refusal and reply on WhatsApp, usually within a few hours.