申根签证的保险问题

六月份去欧洲，我持中国护照美国绿卡，这两天准备预约去法国驻休斯敦领事馆申请申根签证。从领事馆的网站上了解到其中关于保险的要求挺难满足的。我公司的医疗保险是BlueCross　BlueＳｈｉｅｌｄ．好像不容易满足领事馆的以下要求：
 

When the visa section requires proof of medical coverage, you must present a written document for your insurance company that indicates coverage of EACH of the following requirements:

-          The coverage is valid for the Schengen States or valid worldwide;

-          The insurance policy covers repatriation;

-          The insurance covers urgent medical attention and/or emergency hospitalization or death;

-          The minimum coverage amount is 50,000 US$;

-          The document indicates your full name as the insured person, and the effective dates of medical coverage.

请有经验的好心人分享一下你的经验。　真的需要买　international travel insurance 吗？　

谢谢！