Every applicant has to submit proof of medical travel insurance covering the entire length of the stay in Europe when applying for a Schengen visa.
There are strict requirements. Please find more information here:
Medical Health Insurance PDF / 304 KB
Some medical insurance companies do not cover costs for medical treatment abroad or do not issue letters stating the requirements listed above. In this case, or in the case that you have no medical insurance in the US, you will have to purchase an additional travel insurance
You can find additional insurance companies in your local Yellow Pages or on the internet (search for “health insurance Schengen visa”).
Please bear in mind that some companies offer medical insurance policies only in combination with other kinds of coverage like trip cancellation. Rates depend on the length of the trip, age and number of travelers and the extent of coverage.
Please Note: Although the information on this website has been prepared with utmost care, we can not accept any responsibility for inaccuracies contained herein.