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Travel Insurance for Schengen Visa: A Comprehensive Guide

Updated: September 8, 2023

One of the key requirements of Schengen visa is the travel medical insurance. The travel insurance for Schengen visa must meet certain coverage and must be valid throughout the Schengen region for the entire duration of your stay.

With a myriad of travel insurance options in the market, picking out the right policy for your Schengen visa is difficult. In this article, you will everything about Schengen visa travel insurance and how to choose a policy for your visa.

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What is Schengen Travel Medical Insurance?

Schengen travel insurance is a type of insurance policy for travelers visiting the Schengen area. This type of travel insurance plan is designed specifically to comply with Schengen visa criteria of minimum coverage and validity requirements. Schengen travel insurance is also a mandatory requirement for obtaining a Schengen visa.

Who Requires Schengen Travel Health Insurance?

Visitors from visa-required countries planning to visit any Schengen country must require Schengen travel insurance.

If you are a traveler from a country that requires a visa to enter the Schengen zone, you must have a valid travel insurance policy. You must buy travel insurance not only for your Schengen visa application but also for any or all trips that you take to the Schengen area.

Is Travel Insurance Mandatory for Schengen Visa?

Yes, obtaining travel insurance is mandatory for Schengen visa . The European Commission’s 810/2009 Regulation mandates submitting valid travel medical insurance for Schengen visa applications.

Proof of travel medical insurance is not only mandatory for the first trip, but also for all subsequent trips for multiple-entry Schengen visas.

At the time of application, you would only need to provide proof of insurance for the first entry.

What are the Schengen Visa Insurance Requirements?

Schengen visa travel insurance requirements from Spain Embassy

As per the Article 15 of REGULATION (EC) No 810/2009 , your Schengen visa travel insurance must meet the following three criteria:

Must cover medical expenses up to a minimum of €30,000
Must be valid for the entire duration of your stay
Must be valid in all 27 Schengen countries

The policy must cover all medical expenses arising from emergency medical attention, treatment, hospitalization, emergency medical evacuation, repatriation due to medical reasons and death.

Let’s look at each of those requirements in detail.

1. Minimum Coverage

Your Schengen visa travel insurance must meet the minimum coverage requirement of €30,000. When purchasing Schengen visa travel insurance in USD, make sure the policy covers at least $50,000.

This minimum coverage is applicable for any medical expenses, emergency evacuation, and repatriation of remains.

This coverage is necessary to financially protect you in case of accidents, unforeseen illnesses, or other emergency situations that may arise during your travels in the Schengen area.

2. Validity Duration

Your travel insurance for the Schengen visa must remain valid for the entire duration of your stay in the Schengen area.

This travel insurance policy should cover you from the day you arrive in the Schengen area until the day you leave.

In terms of a multiple-entry visa, the Schengen visa insurance must be valid for the entire duration of your first entry only.

Here is an example:

You are applying for a multiple-entry visa and your trip is from Jan 01 to Jan 14. Your Schengen visa insurance must be valid from Jan 01 to Jan 14.

If you take another trip on the same visa, say from May 01 to May 14, then you must purchase another Schengen travel insurance at the time of your second trip.

For your visa application, you would only need to provide insurance for Jan 01 to Jan 14.

3. Validity in the Schengen Zone

Lastly, your Schengen visa travel insurance must be valid in all 27 Schengen countries. This is to make sure that you have coverage regardless of which Schengen country you visit during your trip.

Most Schengen travel insurance aggregators such as VisitorsCoverage provide insurances that are valid in the entire Schengen zone.

In fact, any insurance valid globally is acceptable for the Schengen visa. Provided, the the insurance covers at least €30,000 in all medical costs and emergencies.

What Does Schengen Visa Insurance Plan Cover?

VisitorsCoverage Europe Travel Plus insurance for Schengen visa

In general, any Schengen visa insurance plan covers medical expenses, COVID-19 protection, and trip coverage.

These coverage options are designed not only to provide comprehensive protection but also to meet the Schengen visa insurance requirements.

1. Medical Coverage

Medical coverage is the most important aspect of Schengen travel insurance. It provides coverage for emergency medical expenses, accidents, and unexpected illnesses.

The coverage also includes hospitalization, emergency hospital treatment, doctor visits, prescription drugs, and other necessary medical treatments that are considered emergency and necessary.

The policy must cover at least €30,000 for the visa. But depending on your needs and activities in the Schengen area, you can opt for policies with higher coverage.

2. COVID-19 Protection

COVID protection is not mandatory for Schengen visa. But most Schengen visa travel insurance policies offer coverage for medical treatment and quarantine expenses related to COVID. COVID tests and quarantine must be prescribed by a doctor to be eligible for the coverage.

That being said, you must review the policy details to make sure that COVID protection is included. Even though it’s not mandatory, it can provide peace of mind during your trip.

3. Trip Coverage

Trip coverage is also not mandatory for Schengen visa. But most travel insurance plans provide protection against flight cancellations, delays, and lost luggage during your travels. Trip coverage will help lessen any expenses arising from trip interruptions and baggage delays.

Review the policy details to make sure comprehensive trip coverage is included. This way, you can ensure that your trip goes smoothly, even when faced with unexpected setbacks.

What Does Schengen Visa Insurance Plan Not Cover?

Though Schengen travel insurance plans provide coverage for a wide range of scenarios, there will usually be some exclusions. One common exclusion is the coverage for pre-existing medical conditions.

It’s crucial to understand the limitations and exclusions of your Schengen visa insurance policy. Let’s look into the exclusion of pre-existing medical conditions in detail.

Pre-existing Medical Conditions

Pre-existing medical conditions are generally not covered by Schengen visa insurance plans. If you have a medical condition that was present prior to the purchase of your Schengen insurance policy, any medical expenses related to that condition during the trip will not be covered.

Review the terms and conditions of your travel insurance policy to determine if any exclusions apply to pre-existing medical conditions.

Is COVID-19 Coverage Mandatory for Schengen Visa Travel Insurance?

No, COVID-19 coverage is not mandatory for Schengen visa travel insurance. But most Schengen travel insurance companies include COVID coverage in their policy.

Even though it’s not required, having COVID protection in your travel insurance can provide financial security during your Schengen trip.

It is always better to be prepared and have coverage than face challenges during the trip.

How Much Does Schengen Visa Medical Insurance Cost?

The cost of Schengen visa medical insurance varies depending on several factors, such as age, duration of your trip, total coverage amount, and the insurance company.

Schengen travel insurance from IMG Global, through VisitorsCoverage for up to 39 years of age will cost about a dollar a day. For a one-week trip, it would be about $7 USD. The cost goes up with age.

IMG Global is a US-based insurance company offering Schengen visa insurance. If you opt for a Europe-based insurance company such as Europ Assistance, the prices are even higher. A one-week insurance policy can cost about €18.

To find the most affordable insurance policy for the Schengen visa, compare different insurance providers and policies using an insurance aggregator such as VisitorsCoverage .

How to Choose the Right Travel Insurance for Schengen Visa?

Schengen visa letter from VisitorsCoverage

With a myriad of options available in the market, choosing travel insurance for your Schengen visa can be a daunting task. To make this process easier, consider factors such as the reputation of the insurance company, coverage limits, and customer reviews.

Let’s look at each of these factors in detail.

1. Reputation of the Company

When selecting a travel insurance provider, it’s important to evaluate their reputation in the market. A reputable insurance company will have a track record of providing reliable and quality coverage, as well as excellent customer service.

You can assess the reputation of an insurance company by looking at its reviews and ratings on sites such as Trustpilot. VisitorsCoverage , for example, has a 4.7 rating on Trustpilot.

If you choose an insurance company with a strong reputation, you will have confidence in the coverage and support they provide throughout your trip.

2. Coverage Limits and Exclusions

Another important aspect to consider is the coverage limit. The policy must be Schengen visa compliant, meaning the policy must meet the minimum coverage requirement of €30,000.

Additionally, it’s important to review if there are any exclusions such as pre-existing medical conditions or other limitations.

By reviewing the coverage limits and exclusions, you can pick out a policy that is Schengen visa compliant and provide enough protection during your trip.

3. Customer Reviews and Ratings

Reviews and ratings can be invaluable resources when evaluating any product or service in the market. Travel insurance is no different. The reviews and ratings provide insight into the insurance provider’s customer service, claims process, and embassy acceptability.

By considering the experiences of other travelers you can assess the quality and reliability of the travel insurance.

4. Schengen Insurance Certificate

Lastly, the insurance company must be able to issue a Schengen insurance certificate, also called a visa letter. Submitting a visa letter along with the policy is a mandatory requirement for the Schengen visa.

This certificate confirms that your insurance policy meets the Schengen visa criteria. The certificate should include:

Your name (as the policyholder)
Policy number
Total coverage amount, which should be no less than €30,000 (or $50,000)
Dates of validity (must cover the entire duration of your stay in the Schengen area)
Contact details for the insurance company, in case of emergencies

Where to Purchase Travel Insurance for Schengen Visa?

Travel insurance for Schengen visas can be purchased from online insurance providers, local insurance companies and travel agencies.

Local insurance companies and travel agencies can offer personalized advice. With online platforms, you can compare prices and coverage options from multiple insurers.

Regardless of where you purchase your insurance, it’s important to make sure the insurance policy meets Schengen visa insurance requirements and provides the necessary coverage for your trip.

My recommendation is to buy Schengen visa insurance from VisitorsCoverage. Their Europe Travel Plus policy is specifically designed for the Schengen visa, meeting the minimum coverage requirements and downloadable visa letter. Here is a comparison for a 33-year-old, 7 days trip to the Schengen area.

How to Purchase Travel Insurance for Schengen Visa

To purchase your travel insurance for Schengen visa, go to the VisitorsCoverage’s Europe Travel Plus plan. Enter the following details.

Destination Country
Citizenship
Residence/Home country
Coverage Start Date
Coverage End Date
Arrival Date
Date of Birth
Email Address

Click on Continue. In the deductible and policy maximum, select $0 for the deductible and $50K for the policy maximum. Then click on Continue.

In the next steps, enter your details as per your passport. Complete the payment and purchase the policy. Once your purchase is complete, you can download your visa letter.

How To Find Cheap Schengen Travel Insurance?

Finding cheap Schengen travel insurance requires research and comparison of policies and companies. I have done this already for you. VisitorsCoverage was the cheapest in my research. If you are older than 50, then you might want to check other insurance companies to see if you can find a cheaper option.

Frequently Asked Questions (FAQS)

Do us citizens need schengen insurance.

No. US citizens do not require Schengen insurance when traveling to the Schengen area. This is because Schengen insurance is mandatory for those that require a visa for the Schengen area. And, US citizens do not require a visa for the Schengen area.

Is Schengen travel insurance refundable?

Yes. Most Schengen visa insurance companies offer reimbursement or free cancellation in the event of visa refusal. That being said, review the terms and conditions of the insurance policy before purchasing to make sure the policy is cancellable in case of visa refusal.

Can I purchase travel insurance after obtaining a Schengen visa?

No. You must purchase travel insurance before obtaining the visa. This is because travel insurance is one of the mandatory requirements for obtaining the Schengen visa. Without purchasing travel insurance, you won’t even be able to apply for the Schengen visa.

Are pre-existing medical conditions covered by travel insurance?

Pre-existing medical conditions are usually not covered by Schengen visa insurance plans. This means that any medical expenses arising due to pre-existing conditions will not be covered during your trip. Before purchasing, review the terms and conditions of the policy to determine the exclusions.

Can I extend my travel insurance coverage if my stay in the Schengen area is prolonged?

It may be possible to extend travel insurance coverage if your stay in the Schengen area is prolonged. But it depends on the insurance company and the policy type. Review the terms and conditions and also contact the insurance provider to inquire about extensions.

Obtaining the right travel insurance is a crucial step in your Schengen visa application process. The travel insurance for Schengen visa must provide at least €30,000 coverage and must be valid throughout the Schengen region for the entire duration of your trip.

While purchasing your Schengen visa insurance, consider factors such as the provider’s reputation, coverage limits and customer reviews. Compare different travel insurance providers and policies to pick out the right insurance for your Schengen visa.

WRITTEN BY THIRUMAL MOTATI

Thirumal Motati is an expert in tourist visa matters. He has been traveling the world on tourist visas for more than a decade. With his expertise, he has obtained several tourist visas, including the most strenuous ones such as the US, UK, Canada, and Schengen, some of which were granted multiple times. He has also set foot inside US consulates on numerous occasions. Mr. Motati has uncovered the secrets to successful visa applications. His guidance has enabled countless individuals to obtain their visas and fulfill their travel dreams. His statements have been mentioned in publications like Yahoo, BBC, The Hindu, and Travel Zoo.

PLAN YOUR TRAVEL WITH VISA TRAVELER

I highly recommend using these websites to plan your trip. I use these websites myself to apply for my visas, book my flights and hotels and purchase my travel insurance.

01. Apply for your visa

Get a verifiable flight itinerary for your visa application from DummyTicket247 . DummyTicket247 is a flight search engine to search and book flight itineraries for visas instantly. These flight itineraries are guaranteed to be valid for 2 weeks and work for all visa applications.

02. Book your fight

Find the cheapest flight tickets using Skyscanner . Skyscanner includes all budget airlines and you are guaranteed to find the cheapest flight to your destination.

03. Book your hotel

Book your hotel from Booking.com . Booking.com has pretty much every hotel, hostel and guesthouse from every destination.

04. Get your onward ticket

If traveling on a one-way ticket, use BestOnwardTicket to get proof of onward ticket for just $12, valid for 48 hours.

05. Purchase your insurance

Purchase travel medical insurance for your trip from SafetyWing . Insurance from SafetyWing covers COVID-19 and also comes with a visa letter which you can use for your visas.

Need more? Check out my travel resources page for the best websites to plan your trip.

LEGAL DISCLAIMER We are not affiliated with immigration, embassies or governments of any country. The content in this article is for educational and general informational purposes only, and shall not be understood or construed as, visa, immigration or legal advice. Your use of information provided in this article is solely at your own risk and you expressly agree not to rely upon any information contained in this article as a substitute for professional visa or immigration advice. Under no circumstance shall be held liable or responsible for any errors or omissions in this article or for any damage you may suffer in respect to any actions taken or not taken based on any or all of the information in this article. Please refer to our full disclaimer for further information.

AFFILIATE DISCLOSURE This post may contain affiliate links, which means we may receive a commission, at no extra cost to you, if you make a purchase through a link. Please refer to our full disclosure for further information.

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Hospitalisation expenses up to 30,000€
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Hospitalisation expenses up to 60,000€
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Coverage in the Schengen area + European Union
Return/relocation and lodging expenses of a companion

travel insurance for schengen visa vfs global

Before traveling, please check the guidelines provided by the World Health Organization, the European Union and your local government. Important restrictions are applied to the Schengen Area and visas are likely to be limited to specific travels only. Our travel insurance policies are made to protect you against unforeseeable events, such as sudden illnesses or accidental bodily injuries. We remind you that epidemics and/or infectious diseases such as CoVid 19 are excluded from our policies.

Schengen travel insurance

Europ Assistance makes it easy for you to select and purchase your travel insurance online. Your insurance will be ready in a matter of minutes and our insurance certificates are recognized by embassies, consulates and visa centers around the world , which helps you acquire a Schengen visa for your next trip to Europe. You will immediately receive the certificate and you will be able to download it at any time in any of our six languages : English, French, Spanish, German, Russian or Chinese.

Which countries are in the Schengen area?

The Schengen area is made up of 26 countries (and 3 microstates) where travelers and residents can move freely from state to state without a passport, as there is no longer common border control between Schengen states. Travel insurance is highly suggested for all travelers, and for most countries is mandatory , as it is needed to obtain the visa to enter the Schengen area. You can obtain your visa application form from the country you plan to enter through first or the one you plan to spend the most time in.

The leading Schengen travel insurance provider

When you choose Europ Assistance as your Schengen visa travel insurance provider, you also get the support and expertise of 750,000 partners . If something goes wrong, not only will your medical expenses be properly reimbursed, but you will also get help from competent medical professionals at qualified medical centers, no matter where you are. During stressful situations or emergencies abroad, communicating in your native language can be a source of comfort. When such a situation occurs, you can trust that Europ Assistance will be there to help you 24/7 .

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A Schengen visa is not required for your trip, however, you should still consider purchasing travel insurance. You can travel with peace of mind and are covered throughout the European Union with our Schengen Plus cover.

Hospitalisation expenses up to 60,000€
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Schengenvisa.info

March 24 2023 by Editorial office

Travel insurance for foreign visitors

Travel insurance for visitors from abroad such as family, friends and partner

Take out Allianz Travel Risk Insurance for your foreign guest now!

✔︎ Meets all requirements for a Schengen visa.

✔︎ Medical costs covered up to € 30.000 Repatriation: all necessary costs.

✔︎ You can change the policy free of charge in the meantime.

✔︎ VISA GUARANTEE: You don't pay anything if your visa is rejected.

✔︎ The certainty of the largest travel insurer in the world: Allianz Global Assistance.

Premium from €2 per day

Travel insurance for you foreign visitor to the Netherlands you can arrange here quickly and cheaply. When a foreign visitor, such as family, friends or a partner travels to Europe, you can take out medical travel insurance for the visitor.

For a foreign visitor who visit the Netherlands or other Schengen countries, a number of rules apply, even if they visa-free are. Foreigners are allowed to stay for a maximum of 90 days in a 180-day period and they must meet a number of conditions:

De foreign visitor must have a valid travel document (e.g. passport). The travel document must be valid for 3 months longer than the end of the free period.
He or she may not pose a threat to public order, national security or the international relations of one of the Netherlands or the Schengen countries.
He or she has sufficient means of support. This is at least an amount of € 55 per day for the duration of the stay in the Netherlands.
The foreign national must make his purpose of travel plausible. This can be done, for example, with an original letter of invitation from family members or acquaintances who are going to visit in the Netherlands. If the foreigner does not have an invitation letter, this can be demonstrated with an original form 'proof of sponsorship and/or private accommodation'. This form does not need to be legalized at the municipality.
The foreign visitor must be able to demonstrate that he has taken out medical insurance. Healthcare is not free in the Netherlands. Bills for hospitalization or doctor visits must be paid in full before departure from the Netherlands. The foreign guest must carry proof (policy of the medical insurance) to prove that he/she is insured.

How long can a foreign guest stay in the Netherlands?

A foreign visitor may stay in the Schengen area for a maximum of 90 days out of 180. You can also enter and leave the Schengen area during this period. The 90 days can be spread over 180 days, but they can also be used all at once in a row. If you stay in the Netherlands/Schengen area for 90 consecutive days, you will have to wait 90 days before you can travel to the Netherlands/Schengen area again.

Medical travel insurance for foreigners: Travel Risk Insurance

Foreign visitors coming to the Netherlands cannot take out standard short-term travel insurance. Usually it is also not possible to take out travel insurance in the country of origin. For this group of foreigners, there is Travel Risk Insurance, the international short-term medical insurance from Allianz Global Assistance. This special insurance is suitable for, among other things:

Foreign visitors who come to the Netherlands or Europe for family visits or tourism.
A foreign partner visiting you.
The application for a short-stay Schengen visa.

Please note: This insurance can only be taken out before leaving the foreigner's country of residence. If he or she is already traveling or has already arrived at the destination, you can no longer take out this medical travel insurance.

Frequently asked questions and answers about travel insurance for foreign guests

Yes, we recommend that too. Foreign insurers can be less reliable. The travel insurance may be taken out by a guarantor, sponsor or family member in the Netherlands. The sponsor is then the policyholder and the visitor is the insured.

De Travel Risk Insurance from Allianz Global Assistance is an excellent insurance policy that meets all the requirements for insurance for foreigners. Allianz Global Assistance is the largest travel insurer in the world and has been chosen several times as the best travel insurer in the Netherlands.

You may move the commencement date of this insurance to a later or earlier date. Once the insurance has taken effect, the commencement date cannot be changed.

No, that is completely unrelated.

Yes, the travel insurance for foreign visitors is valid throughout Europe. However, you are not insured in the country of origin (the country where you lived before leaving for the Netherlands and/or the country of your nationality).

Ailments and complaints that already existed on or before the commencement date of the insurance are not insured and are therefore not eligible for compensation. The travel insurance for foreign visitors is exclusively intended for sudden and unexpected medical costs in the Netherlands or elsewhere in Europe.

No, travel insurance for foreigners is only intended for unexpected costs.

No, first of all that is not mandatory and secondly he/she is covered by your liability insurance if the person is staying with you. If necessary, inquire with your AVP insurer.

What is insured?

The 'Travel Risk Insurance' is a complete international medical insurance for foreigners. The travel insurance has a balanced coverage against the financial risks of illness and death, such as:

SOS charges (including assistance, rescue and search).
Medical expenses * (including hospital, specialist and doctors).
Repatriation (including ambulance plane and transport of mortal remains).
Burial or cremation costs and arrival of family.

* Medical costs are monetary compensation for doctors (fees) and costs of:

hospitalization;
operation and operating room use;
prescribed X-rays and radioactive irradiations;
prescription medications, bandages and massage;
medically necessary transport, including any medically necessary evacuation and transport from a ski slope.

Your travel documents (purchase costs, laissez-passer, replacement visa or other official travel document), replacement clothing and/or toiletries and damage to accommodation is also insured. The following is also covered:

illness, accident or missing person of the insured;
death of the insured, illness, accident or death of the insured's family not traveling with him;
death of a co-insured travel companion;
damage to property of the insured in the country of residence;
costs due to forced delay.

Premium medical insurance

Take out medical travel insurance here!

The Travel Risk Insurance from Allianz Global Assistance is an international medical travel insurance for foreign travelers under the age of 70 who do not live in the Netherlands. The insurance is the best choice for applying for a Schengen visa and meets all requirements.

Taking out Travel Risk Insurance is simple and fast. You will receive the policy within 24 hours by e-mail on working days (if you want it sooner, please call or send a message).

√ EU approved medical insurance for foreign travelers. √ Schengen visa guarantee : In case of visa rejection, you do not have to pay. √ Medical costs covered up to € 30.000. Repatriation: all necessary costs. √ Policy conditions in Dutch and/or English. √ Expandable with coverage for special sports and world coverage. √ Cancellation insurance is possible (provided the trip is booked with a Dutch tour operator).

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Insurance Card Travel Risk Insurance » Insurance conditions Travel Risk Insurance in Dutch » Insurance terms and conditions Travel Risk Insurance in English »

Allianz Global Assistance is the largest travel insurance and assistance provider in the world. The trusted address to take out medical travel insurance online!

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SCHENGEN TRAVEL INSURANCE

Our schengen travel insurance offers essential coverage for your trip, including the required insurance certificate for schengen visa applications, why is it crucial to have schengen insurance while travelling in europe.

Schengen Visa, which allows for travel within 26 European countries, comes with specific insurance requirements, as Schengen Visa Info outlines. Travellers must meet these requirements, which include coverage for emergency medical expenses, repatriation of remains, and a minimum coverage of €30,000.

Medical costs in some European countries can be excessive. For instance, according to the World Health Organization, a single day's hospitalisation in Switzerland can cost around US$1,000. Having Schengen insurance is a must to avoid unexpected financial burdens.

This insurance isn't limited to a particular demographic; it's designed to offer coverage for global travellers, including

Senior citizens up to the age of 85
Individuals traveling for work
Children between the ages of 1-18 and

Not every traveller needs a Schengen Visa for Schengen Area visits, given that countries such as the U.S.A., Mexico, Brazil, and Canada maintain visa-free agreements with the Schengen Zone. Nevertheless, it is highly advisable to secure insurance since your medical expenses, or any potential costs arising from unexpected incidents during your journey, may lack coverage without proper travel insurance. Opting for travel insurance is particularly beneficial if you intend to explore multiple Schengen countries or desire flexibility in your itinerary, offering comprehensive coverage across most European nations.

Why Choose Allianz Schengen Travel Insurance?

Our Schengen travel insurance will help you get your Schengen visa and offer protection while travelling in Europe. You’ll receive the mandatory insurance certificate for your Schengen visa application.

Different benefits are available within this travel insurance product:

Up to US$50,000 in emergency medical expenses in case of accident, sickness, illness or injury.
Up to US$200 if your baggage is delayed.
Up to US$2,000 in case of trip cancellation.

Insure your next European holiday, starting from AED 56 per person.

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Schengen Travel Insurance

Travel Schengen Single Trip

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Everything you need to know about Schengen Travel Insurance

What does a schengen insurance policy usually cover .

A Schengen insurance policy is a specific type of travel insurance designed to fulfil the visa requirements for individuals travelling to the Schengen Area. The Schengen Area comprises 26 European countries that have abolished passport control at their mutual borders, allowing for easier travel within the region. A Schengen insurance policy typically covers the following:

1. Medical expenses: Coverage for emergency medical expenses, including hospitalisation, surgery, and outpatient treatment. As Schengen visa regulations require, the policy usually covers a minimum amount, such as €30,000.

2. Emergency evacuation and repatriation : Coverage for the cost of emergency evacuation and repatriation to your home country in case of a medical emergency.

3. Repatriation of mortal remains: Coverage for the cost of repatriating the insured person's remains in the unfortunate event of death during the trip.

4. Travel assistance services : Access to 24/7 emergency assistance services, including a helpline for medical advice, travel assistance, and coordination of medical services.

5. Coverage for multiple Schengen countries : The policy should cover the entire itinerary if you plan to visit multiple Schengen countries.

6. Minimum coverage amount : Schengen insurance policies must meet minimum coverage amounts as specified by the Schengen visa requirements. As of my last knowledge update in January 2022, the minimum coverage is €30,000.

7. Emergency dental treatment : Coverage for emergency dental treatment due to an accident.

It's important to carefully review the terms and conditions of the Schengen insurance policy to ensure that it meets the specific requirements of the Schengen visa application. Additionally, check if the policy covers additional features or optional add-ons that may benefit your travel needs.

When considering a Schengen insurance policy, opt for a reputable and globally recognised insurance provider like Allianz Travel that offers comprehensive coverage for individuals travelling to the Schengen Area. You can benefit from a range of features designed to meet the specific requirements of Schengen visa applications. Schengen travel insurance from Allianz Travel includes coverage for medical expenses, emergency evacuation, repatriation, travel assistance services, personal liability, and more.

All Outbound travel insurance products from Allianz Travel UAE are schengen-compliant meaning all products meets the Schengen visa requirements. The Extra and Gold products however go beyond the basic Schenge coverages to offer maximum peace of mind.

Does my Schengen travel insurance need to cover all Schengen are countries?

Yes, your Schengen travel insurance should typically cover all Schengen Area countries you plan to visit. When you apply for a Schengen visa, one of the visa requirements is proof of travel insurance that meets specific criteria. The insurance coverage is expected to be valid for your stay in the Schengen Area and should include coverage for medical emergencies and repatriation.

Key points regarding Schengen travel insurance coverage for multiple countries:

1. Coverage for the entire itinerary : The insurance policy should cover the entire duration of your stay in the Schengen Area, from entry to exit.

2. Minimum coverage amount: The insurance coverage must meet the minimum amount specified by the Schengen visa requirements. As of our last knowledge update in January 2022, the minimum coverage amount is €30,000.

3. Coverage for all countries : The policy should explicitly mention coverage for all Schengen Area countries you plan to visit. When purchasing the insurance, it's important to list the countries you intend to travel to.

4. Insurance certificate : The provider typically issues a certificate or confirmation letter specifying the coverage details, including the countries covered. This certificate is submitted as part of your Schengen visa application.

When obtaining Schengen travel insurance, communicate your travel itinerary and ensure the policy explicitly mentions coverage for all the Schengen space. This is crucial for meeting the visa requirements and ensuring adequate travel coverage within the Schengen Area. Always check the latest visa requirements and guidelines from the consulate or embassy of the country you are applying to, as they may be subject to change.

When obtaining Schengen travel insurance that covers all your needs across multiple countries, Allianz Travel emerges as a reliable choice. Allianz Travel offers comprehensive Schengen insurance coverage that aligns with the specific criteria set by Schengen visa requirements. Whether you're planning to explore the enchanting cities of Europe or embark on a multi-country journey within the Schengen Area, Allianz Travel provides policies that cater to your travel itinerary

What is excluded from a Schengen travel insurance policy ?

Exclusions in a Schengen travel insurance policy can vary depending on the insurance provider and your specific policy. However, there are common exclusions often found in Schengen travel insurance policies. It's essential to carefully review the terms and conditions of your policy to understand what is excluded. Here are some common exclusions:
1. Pre-existing medical conditions : Many Schengen travel insurance policies exclude coverage for pre-existing medical conditions. Any medical condition you had before purchasing the insurance may not be covered.
2. Medical treatment not deemed necessary : Expenses for medical treatments not considered necessary by the attending physician or that can be postponed until your return to your home country may be excluded.
3. Medical treatment resulting from intentional acts : Medical treatment resulting from self-inflicted injuries, suicide attempts, or participation in risky activities may be excluded.
4. War and terrorism : Injuries, damages, or losses resulting from war, acts of terrorism, or participation in military activities may be excluded.
5. Alcohol and drug-related incidents : Incidents related to the consumption of alcohol or drugs that a licensed medical professional does not prescribe may be excluded.
6. Participation in hazardous activities : Injuries or incidents resulting from participation in high-risk or hazardous activities such as extreme sports or adventure activities may be excluded.
7. Nonmedical coverage exclusions: Non-medical coverage exclusions may include events such as trip cancellations for reasons not specified in the policy, lost or stolen belongings, and other nonmedical incidents.
8. Failure to follow medical advice : Expenses incurred due to your failure to follow the prescribed medical advice or treatment plan may be excluded.
9. Excess/deductibles : Some policies may have deductibles or excess amounts, meaning you are responsible for a certain portion of the expenses before the insurance coverage takes effect.
10. Pregnancy and childbirth : Some policies may exclude coverage related to pregnancy and childbirth, especially within a certain period before the expected due date.
It's crucial to carefully read the policy documentation and ask your insurance provider for clarification. Understanding the exclusions will help you make informed decisions about your coverage and ensure that you have appropriate protection for your travels within the Schengen Area.
When navigating the intricacies of Schengen travel insurance exclusions, choosing a reliable insurance provider prioritising transparency and comprehensive coverage is imperative. Allianz Travel stands out as a reputable and globally recognised option, offering policies that address the specific needs of Schengen visa applications while minimising uncertainties related to exclusions.

How long do I need Schengen travel insurance?

The duration you need Schengen travel insurance depends on your planned stay in the Schengen Area. Schengen travel insurance is typically required for your intended stay, including the entry and exit dates specified in your travel itinerary.

Here are some key points to consider regarding the duration of Schengen travel insurance:

1. Coverage period : The insurance coverage should be valid for the entire duration of your stay in the Schengen Area, starting from your entry date until your planned exit date.

2. Non-Flexible coverage : You cannot change the dates of your travel insurance once it is issued. That is why you need to make sure you have your final trip dates before you puchase your travel insurance. You will not be able to renew your Schengen travel insurance while your trip has started : it is therefore important to know your dates before your purchase your policy..

3. Return to home country : The insurance coverage should lastuntil your planned return to your home country.

When securing Schengen travel insurance that aligns seamlessly with the duration of your stay, Allianz emerges as a dependable choice. Allianz Travel offers policies designed to cater to the unique needs of your travel itinerary, ensuring comprehensive coverage for the entirety of your visit to the Schengen Area.

Is there an age limit for Schengen travel insurance?

Schengen travel insurance has no strict universal age limit, as insurance providers' eligibility criteria vary. However, certain insurance companies may have age-related restrictions or considerations for travel insurance policies.

Here are some points to remember regarding age and Schengen travel insurance:

1. Age categories : Some insurance providers categorise age groups differently, offering specific policies for adults, seniors, and children. The terms and conditions, as well as coverage options, may differ based on these categories.

2. Elderly travellers : While many insurance providers offer coverage for elderly travellers, there might be age limits for certain policy features or types of coverage. It's essential to check with the insurer to understand any age-related restrictions.

3. Premiums and coverage options : Premiums for Schengen travel insurance may vary based on age. Elderly travellers may experience higher premiums due to potential health risks and the likelihood of medical expenses.

At Allianz Travel, we made it easy, you just need to follow our online booking funnel to see if you are eligible to purchase our Schengen Travel insurance.

Can I get a Schengen visa without travel insurance?

Travel insurance is mandatory for obtaining a Schengen visa. The Schengen visa application process requires applicants to provide proof of travel insurance that meets certain criteria. Travel insurance is considered an essential part of the visa application, and failing to provide adequate insurance may result in rejection.

Key points regarding Schengen visa and travel insurance:

1. Mandatory requirement : Schengen visa applicants must provide proof of travel insurance as part of the visa application process.

2. Minimum coverage requirements : The insurance coverage should meet specific minimum requirements, including a minimum coverage amount (commonly €30,000) and coverage for the entire duration of the intended stay.

3. Insurance certificate : Applicants must submit an insurance certificate or confirmation letter issued by the insurance provider, clearly stating the coverage details, including the coverage amount, coverage period, and countries covered.

Failing to provide the required travel insurance or submitting insurance that does not meet the criteria may lead to the rejection of the visa application.

At Allianz Travel, we provide the required Certificate of Insurance by email after you pruchased your travel insurance online.

Selecting a dependable travel insurance provider is crucial when dealing with Schengen visa prerequisites. Allianz Travel distinguishes itself as a reputable and internationally acclaimed choice, presenting customised solutions that effortlessly adhere to the obligatory criteria set for Schengen visa applications.

Can I purchase Schengen travel insurance after arriving in the Schengen Area?

Can i get a refund on my travel insurance if my schengen visa application is refused.

Whether you can get a refund on your travel insurance after a Schengen visa application is refused depends on the terms and conditions of the insurance policy you purchased. In general, travel insurance policies have different refund policies, and it's essential to review the specific terms outlined in your policy documentation or contact your insurance provider for clarification. Here are some factors to consider:

1. Refund policies: Some travel insurance policies may have a refund provision in case of a visa refusal. This could be subject to certain conditions outlined in the policy.

2. Reasons for refusal: The refund eligibility may depend on the visa refusal. Some policies may only offer refunds in specific situations, such as visa denials due to unforeseen circumstances beyond the applicant's control.

3. Documentation requirements: You may need documentation confirming the visa refusal to request a refund. This could include the visa rejection letter issued by the consulate or embassy.

4. Cancellation period: Policies often have a specific period during which you can cancel and seek a refund. This period may vary among insurance providers.

5. Administrative fees: Some insurance providers may charge administrative fees for processing a refund request. Be aware of any associated fees that may apply.

6. Policy exclusions: Check the policy exclusions to understand if visa refusal is explicitly addressed as a covered event for refund purposes.

7. Communication with insurance provider: If you find yourself in a situation where your Schengen visa application is refused, promptly communicate with your insurance provider. They can provide guidance on the refund process and any applicable terms.

It's crucial to thoroughly review your insurance policy and contact your provider to understand the specific refund conditions and requirements. Remember that each insurance provider may have different policies, so that the refund process can vary. Additionally, check the policy's cancellation period and act within the specified timeframe if you decide to pursue a refund.

When facing the intricacies of obtaining a travel insurance refund post-Schengen visa application refusal, reviewing your policy's terms carefully is crucial. Allianz Travel emerges as a dependable and transparent insurance provider, offering a customer-friendly approach to the refund process. With a commitment to transparency, flexibility, and customer satisfaction, reaching out to Allianz Travel ensures reliable support during challenging situations. For a trustworthy solution, consider Allianz Travel as your go-to provider for confidently navigating the refund process.

Do I need Schengen travel insurance as a passport-holding UAE resident?

The need to apply for a Schengen visa if you want to visit the Schengen space does NOT depend on your country of residence but on your nationality.

For example: if you are an American citizen living in the UAE, you do not need to apply to a Schengen visa before your trip. You will get a visa on arrival. However, if your are an Indian citizen living in the UAE, you will need to apply for a Schengen visa before your trip.

Therefore, you need to check what the requirements are for your nationality - if you plan to travel with friends, you may not need to follow the same steps even if you are travelling together on the same dates.

If you need a Schengen visa, then the visa requirements are the same for all when it comes to travel insurance:

1. Mandatory requirement : Schengen visa regulations typically mandate that applicants provide proof of travel insurance coverage as part of the visa application.

2. Minimum coverage requirements : The insurance coverage should meet specific requirements, including a minimum amount (commonly €30,000) and coverage for your intended stay in the Schengen Area.

3. Insurance certificate : You must submit an insurance certificate or confirmation letter from the insurance provider along with your visa application. This document should clearly outline the coverage details, including the coverage amount, coverage period, and countries covered.

4. Coverage for medical emergencies : The insurance should cover medical emergencies and repatriation, ensuring you have financial coverage in case of unexpected medical expenses during your stay in the Schengen Area.

Failure to provide the required travel insurance or submitting insurance that does not meet the specified criteria may result in rejection of your Schengen visa application.

Before securing Schengen travel insurance, it's advisable to carefully review the consulate or embassy requirements of the Schengen country you plan to visit. Allianz Travel's commitment to compliance, comprehensive coverage, and clear documentation makes them a trusted choice for meeting Schengen travel insurance requirements.

Do I need COVID protection for my Schengen travel insurance?

COVID-19 travel insurance depends on each country - therefore there is not any specific requirement that covers all Schengen space countries. You need to check the particular country or countries you are planning to visit.

Once you have checked what the COVID-19 requirements are for the country of destination, you can then check what the insurance provider covers - if somehting is unclear to oyu, do not hesitate to contact the travel insurance company who will be able to help you.

Remember that travel regulations and insurance coverage related to COVID-19 may evolve, so it's essential to stay informed and check for any updates or changes in requirements before your trip.

Given the evolving nature of travel regulations and COVID-19 coverage. Allianz Travel's proactive approach, comprehensive coverage, and customer-focused communication make them reliable for addressing your COVID-19-related travel insurance needs.

How do I make a claim?

Claiming your Schengen travel insurance involves a series of steps, and it's important to follow the process outlined by your insurance provider. Below is a general guide on how to make a claim:

1. Review policy documents : Carefully review your policy documents to understand the coverage details, terms, and conditions. Take note of the specific events and situations covered and any exclusions.

2. Contact your insurance provider : Notify your insurance provider immediately after an event that may lead to a claim. Most insurance companies have a helpline or a claims department that you can contact for guidance.

3. Obtain claim form s: Request claim forms from your insurance provider. At Allianz Trave, you can submit your claim online here

4. Complete claim forms : Fill out the claim forms accurately and provide all the required information. Include supporting documents, such as medical reports, police reports (if applicable), receipts, and other relevant documentation.

5. Submit claim documents : Submit the completed claim forms and supporting documents to the insurance company per their instructions. Some insurers may allow you to submit claims online or via email, while others may require physical documentation.

6. Claim processing : The insurance company will review your claim and assess whether it meets the criteria outlined in the policy. This process may involve verifying the details of the incident and checking the documentation provided.

7. Follow-up and communication : Stay in communication with the claims department. Be responsive to any requests for additional information or documentation. You may also receive updates on the status of your claim during the processing period.

8. Claim approval or denial : Once the insurance company completes its assessment, you will be informed of the claim decision. If the claim is approved, the insurer will provide details on the amount to be reimbursed. If the claim is denied, the insurer will provide reasons for the denial.

9. Reimbursement or payment : If your claim is approved, the insurer will arrange for reimbursement or payment per the policy terms.

It's important to initiate the claims process promptly and provide accurate and complete information to expedite the assessment. Keep copies of all documentation for your records, and maintain open communication with the insurance provider. Always refer to your specific policy documents for detailed instructions on the claims process, as procedures can vary among insurance providers. If you have any questions or concerns, don't hesitate to contact your insurance provider for guidance.

For a hassle-free claims process and reliable support, choose Allianz Travel. Their customer-focused approach, efficient communication, and commitment to transparency make them a trusted partner for addressing your Schengen travel insurance claims.

Is Allianz Travel Insurance safe?

Allianz is a well-established and reputable insurance company whose travel insurance products are generally considered reliable and trustworthy. Allianz is one of the largest and most recognised insurance providers globally, offering a range of insurance products, including travel insurance, to individuals and businesses.

Key points regarding the safety and reliability of Allianz Travel Insurance:

1. Financial stability : Allianz is known for its financial strength and stability. It is a leading global insurer with a strong financial standing, which is an important factor in evaluating the reliability of an insurance provider.

2 . Global presence : Allianz operates in many countries worldwide, and its global presence often contributes to its reputation for reliability and customer service.

3. Customer reviews : While individual experiences may vary, you can look at customer reviews and ratings to gain insights into the satisfaction of other travellers who have used Allianz Travel Insurance. Online reviews can provide valuable perspectives on the quality of service and claims processing.

4. Coverage options : Allianz offers a variety of travel insurance plans with different coverage options, allowing travellers to choose plans that suit their needs. The flexibility in coverage options is a positive aspect for many travellers.

5. Claims process : The efficiency and transparency of the claims process are crucial indicators of the reliability of an insurance provider. Allianz generally has a well-structured claims process, and it's important to follow the specific procedures outlined in your policy when making a claim.

6. Industry recognition : Allianz has received industry recognition and awards for its insurance products and services, further affirming its standing in the insurance sector.

While Allianz Travel Insurance is generally considered safe and reliable, it's essential to read and understand the terms and conditions of the specific policy you are considering. Pay attention to coverage details, exclusions, and any specific requirements related to your travel plans.

Additionally, if you have specific questions or concerns, contact Allianz directly to seek clarification and ensure that the travel insurance plan aligns with your needs and preferences.

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Visiting Germany as a foreign tourist: Who needs a visa?

W hether you're into high culture, beer festivals or football — Germany makes for a fabulous holiday destination. But who needs a visa to visit?

Germany is a fantastic holiday destination year-round. With more medieval castles than you can count, vibrant cities, a rich history, famously hearty fare and Oktoberfest, the world's biggest beer festival, Germany offers something for everyone. Plus, this summer, it's playing host to the UEFA 2024 European Football Championship . So that's plenty of good reasons to spend a vacation in Germany.

ALSO READ: How to travel in Germany—an essential guide for tourists on the sights, weather and more

But what documents do tourists need to visit the country? Will a valid identity card or passport do? And is any additional paperwork needed?

Well, that depends on your nationality.

Last year, most foreign tourists staying in German holiday accommodation hailed from the Netherlands.

Dutch tourists, like all EU nationals, can visit Germany without any particular visa.

EU tourists

That is because EU citizens have the right to freedom of movement within the bloc, meaning they can enter and stay in any member state they choose for up to three months, provided they hold a valid identity card or passport.

So that makes it very easy for any citizen of the EU's 27 member states — which include France, Italy, Spain, Poland and others — to spend a holiday in Germany.

Swiss tourists

What about Swiss nationals? After all, last year, Swiss citizens made up the second-largest group of tourists in Germany, according to holiday accommodation stays.

Although Switzerland is not a member of the EU, its nationals enjoy freedom of movement in the bloc and vice versa. This means they, too, don't need a visa to visit Germany.

US tourists

In 2023, US nationals constituted the third largest group of tourists in Germany. Do they need a visa to enter the country? No, all that is required is a valid US passport.

This document is enough to freely enter and stay in any European Schengen area state — including Germany — for up to 90 days within a 180-day period.

The Schengen area currently comprises 29 European countries that do not conduct checks at their internal borders, thereby enabling easy cross-border travel.

US tourists should check, however, that their passports are valid for at least three months after the intended date of departure from Germany.

UK tourists

Although Britain left the EU in 2020, British passport holders may still visit any European Schengen area state — including Germany — without needing a visa, provided they do not stay for more than 90 days in a 180-day period.

Chinese tourists

Last year, Germany was also very popular with Chinese visitors, who made up the largest group of Asian tourists in the country.

Chinese nationals, however, require a Schengen area visa.

To apply, Chinese nationals need a range of documents, including two recent passport-style photos, a Chinese passport that has been issued in the last 10 years, proof of medical travel insurance and proof of sufficient financial means for the entire stay, a travel itinerary and proof of accommodation.

A Schengen visa costs €80 ($85) for adults and usually takes 15 to 30 days to be processed.

For a full list of visa requirements, please consult the VFS Global website.

What about tourists from other non-EU countries?

Many other nationalities, such as Indian and Indonesian citizens, must also obtain a Schengen visa if they want to visit Germany.

Please visit Germany's foreign office website for a comprehensive overview of visa requirements and exemptions for many more countries.

Read more news like this on HindustanTimes.com

The Brandenburg Gate is one of the most-visited attractions in the German capital, Berlin.

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