The ideal time to purchase travel medical insurance for the Schengen Area is immediately after finalizing travel arrangements but before attending the visa interview. Travellers should have a clear idea of their entry and exit dates for the Schengen Zone, or at least an approximate timeframe. This helps in obtaining insurance coverage for the entire duration of their stay.
For those applying for a Schengen visa, it is crucial to buy travel insurance before the visa interview. This is because a valid proof of insurance must be submitted to the embassy or consulate along with the visa application and other required documents.
While travel insurance is mandatory for nationals of third countries who need a visa to enter the Schengen Area, it is not required for travellers who can enter visa-free. However, even visa-free travellers are strongly advised to purchase travel insurance for their trip.