The Best Schengen Travel Insurance Plans for 2025
- Insurance approved for the Schengen visa
- Immediate confirmation by email
- Refund requests directly online
- Refunds possible in a currency other than the euro
- Insurance approved for the Schengen visa
- Immediate confirmation by email
- Refund requests directly online
- Refunds possible in a currency other than the euro
The ACS - Europax offer provides coverage for medical expenses abroad up to €30,000 per insured person, with a deductible of €30, which is the same as AXA - Visa Schengen - Schengen Low Cost and Assur Travel - Impact Schengen - Essential, but lower than AXA - Visa Schengen - Schengen Europe Travel and Mondial Care - Visa Schengen - Option Premium, which offer up to €100,000. Regarding legal liability, ACS - Europax offers high coverage of €4,575,000, which far exceeds Mondial Care - Visa Schengen - Premium option, which covers up to €1,500,000. However, ACS - Europax does not offer cancellation insurance, unlike some competing offers that include this guarantee.
The price of ACS - Europax is €30.20, which is competitive compared to AXA - Visa Schengen - Schengen Low Cost at €55.00 and significantly cheaper than AXA - Visa Schengen - Schengen Europe Travel at €81.00. However, it is slightly lower than Mondial Care - Visa Schengen - Option Confort at €34.00.
The ACS - Europax offer is suitable for non-European travellers who need insurance that meets the requirements of the Schengen visa, with excellent coverage for medical emergencies and high liability coverage at a competitive price.
- Insurance accepted for a Schengen visa
- Refund if visa is refused (-€15)
- Immediate statement approved by consulates
- Repatriation guarantee after hospitalisation in your country of origin
- 24/7 Assistance
- Does not cover pre-existing conditions
- Insurance accepted for a Schengen visa
- Refund if visa is refused (-€15)
- Immediate statement approved by consulates
- Repatriation guarantee after hospitalisation in your country of origin
- 24/7 Assistance
The Chapka - Cap Schengen insurance provides coverage for medical expenses abroad up to €30,000 per insured person with a deductible of €80, which is standard compared to other offers like AVA Assurances - Ava Incoming Classic and Europ Assistance - Visa Schengen - Schengen. Medical repatriation is covered at actual cost, which offers premium coverage similar to Assur Travel - Impact Schengen - Essential and AVA Insurances - Ava Incoming Safe & Health. However, this offer does not cover trip cancellation, liability, loss or theft of luggage, or interruption of stay, making it less comprehensive than offers like ACS - Europax, which includes liability coverage up to €4,575,000 per insured person.
The price of Chapka - Cap Schengen insurance is €58.00, which is more expensive than competing offers such as Assur Travel - Impact Schengen - Essential at €37.00 and ACS - Europax at €30.20. On the other hand, it is cheaper than the AXA - Visa Schengen - Schengen Europe Travel insurance at €81.00.
This offer is suitable for non-European travellers planning a trip to the Schengen area, as it meets Schengen visa requirements with adequate coverage for medical expenses and medical repatriation.
- Insurance accepted for the Schengen visa
- Immediate confirmation by email
- 24/7 unlimited medical assistance by phone
- Insurance accepted for the Schengen visa
- Immediate confirmation by email
- 24/7 unlimited medical assistance by phone
Mondial Care - Visa Schengen - Option Confort offers solid guarantees for non-European travellers visiting the Schengen area, with a medical expenses ceiling abroad of €100,000, higher than ACS - Europax and Assur Travel - Impact Schengen - Essentiel which only offer €30,000. However, private liability insurance is covered up to €1,500,000, less than the €4,575,000 offered by ACS - Europax. Medical repatriation is covered without cost limit, similar to most other offers. However, the offer does not cover luggage, cancellation or interruption of stay, which may be a disadvantage for some travellers.
The price of Mondial Care - Visa Schengen - Option Confort is €34.00, which is competitive compared to other offers such as Assur Travel - Impact Schengen - Premium for €44.00 and AXA - Visa Schengen - Schengen Europe Travel for €81.00, although slightly more expensive than ACS - Europax for €30.20.
This offer is well suited for the non-European traveller who needs high medical cover and adequate liability insurance for a three-week stay in the Schengen area.
- Insurance accepted for Schengen visa
- Immediate certificate approved by consulates
- €3,000 legal assistance
- 24/7 unlimited telephone medical advice
- Insurance accepted for Schengen visa
- Immediate certificate approved by consulates
- €3,000 legal assistance
- 24/7 unlimited telephone medical advice
Mondial Care - Visa Schengen - Premium option offers coverage for medical expenses abroad of €100,000 per insured person, which is higher than the €30,000 of ACS - Europax and equivalent to AXA - Visa Schengen - Schengen Europe Travel. Regarding legal liability, it offers coverage of €1,500,000, less than the €4,575,000 offered by ACS - Europax, but more than most other competitors who do not cover this guarantee. Medical repatriation is covered against actual costs, a standard among premium offers. However, guarantees such as cancellation and baggage cover are lacking, unlike Chapka - Cap Academy, which covers baggage up to €3,000.
The price of Mondial Care - Visa Schengen - Premium option is €47.00, which is competitive compared to Assur Travel - Impact Schengen - Summum at €48.00 and significantly cheaper than AXA - Visa Schengen - Schengen Europe Travel at €81.00. However, it is more expensive than Mondial Care - Visa Schengen - Option Confort at €34.00 and ACS - Europax at €30.20.
This offer is suitable for non-European citizens travelling in the Schengen area, as it meets the requirements for a Schengen visa and provides adequate medical cover and liability cover.
- Insurance accepted for the Schengen visa
- Refund in case of visa refusal (-€15)
- Immediate certificate approved by the consulates
- 24/7 repatriation assistance
- Insurance accepted for the Schengen visa
- Refund in case of visa refusal (-€15)
- Immediate certificate approved by the consulates
- 24/7 repatriation assistance
Chapka - Cap Europa provides coverage for medical expenses abroad up to €70,000 per insured, with a deductible of €80, which is lower than ACS - Globe Partner and Mondial Care - World Travel which offer €300,000 and €300,000 respectively, without any deductible for the first and €50 for the second. Regarding medical repatriation, Chapka - Cap Europa covers the actual costs, similar to ACS - Globe Traveller and Mondial Care - World Travel. However, Chapka - Cap Europa does not cover luggage, unlike ACS - Globe Traveller which offers coverage of €2,000 per claim, and Mondial Care - World Travel which offers €1,000. Furthermore, cancellation insurance is not covered by Chapka - Cap Europa, while ACS - Globe Traveller provides coverage up to €9,000 per insured.
Chapka - Cap Europa is suitable for travellers journeying around the world for a year who prioritise medical coverage and repatriation, but they may encounter limitations due to the absence of coverage for luggage and cancellation.
- The Best Schengen Travel Insurance Plans
- What exactly is Schengen travel insurance?
- The price of Schengen travel insurance
- What Is Covered by Schengen Travel Insurance
- The conditions of Schengen travel insurance
- Why take out Schengen travel insurance?
- How to choose the right Schengen travel insurance
- Do my current insurance policies cover Schengen travel?
- FAQ
Schengen travel insurance: key takeaways
1. Definition: Schengen travel insurance is mandatory for visa applicants, covering emergency medical costs and repatriation in Europe.
2. Price: A one-week Schengen insurance policy from the Philippines typically costs between PHP 1,000 and PHP 2,000.
3. Coverage: It covers medical emergencies and repatriation but often excludes pre-existing conditions and non-urgent treatments.
4. Bank cards and health insurances: Local bank cards, PhilHealth, and HMOs like Maxicare do not meet Schengen visa insurance requirements.
5. Tips: Choose an insurer accredited by Schengen embassies in the Philippines and verify it covers your entire trip.
6. Other useful info: You must buy this insurance and show proof before your Schengen visa appointment at the embassy.
Why trust HelloSafe ?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 42 travel insurance policies available in the Philippines, our experts share here everything you need to know to choose the best Schengen travel insurance.
The Best Schengen Travel Insurance Plans
Here is a selection of the best Schengen travel insurance options for travelers from the Philippines in 2025. These plans are among the best due to their high medical coverage limits, low deductibles, and simplified conditions designed to meet Schengen visa requirements with ease.
| Contract we recommend | Medical reimbursement | Deductible | Advantages |
|---|---|---|---|
| HelloTravel Premium | PHP 6.0M | PHP 0 |
|
| Cap Assistance 24/24 | PHP 6.0M | PHP 0 |
|
| Tourist Card | PHP 3.0M | PHP 1,800 |
|
| World Travel | PHP 4.2M (USA/Canada), PHP 1.8M (others) | PHP 3,000 |
|
| Globe Partner | PHP 1.8M | PHP 0 |
|
| Globe Traveller | PHP 3.0M | PHP 0 |
|
- No deductible for claims.
- Includes coverage for sudden illness, accidents, and medical evacuation.
- 24/7 multilingual assistance.
- Fast e-certificate for Schengen visa.
- Mobile app for quick doctor access.
- 24/7 emergency hotline.
- Covers non-medical repatriation.
- No premium increase for older travelers.
- Fast claims handling.
- Trip cancellation cover included.
- Useful for study, tourism, or business.
- Recognized by major Schengen embassies.
- Coverage for quarantine hotel stays.
- Mental health support.
- Passport loss help.
- Political evacuation built-in.
- Affordable for students and youth.
- Digital enrolment available.
- Email-based claim tracking.
- Extended stay options.
- Valid for long stays up to 12 months.
- No age surcharge over 60.
- Multilingual support.
- Suitable for gap year travelers.
The best Schengen travel insurance for you depends on your individual needs. We invite you to use HelloSafe’s travel insurance comparison tool to find the plan that suits you best and subscribe directly online.
Compare the best travel insurance for freeI compareWhat exactly is Schengen travel insurance?
Schengen travel insurance is a required insurance policy for anyone from the Philippines applying for a Schengen visa.
It must cover at least PHP 1,800,000 for emergency medical expenses and repatriation in all Schengen countries.
The insurance must be valid for the entire period of the trip, covering each day in Europe.
Guarantees include medical costs, hospitalization and return to the Philippines in case of serious illness or accident.
This is sometimes called “Schengen visa insurance” or “Europe travel insurance.”
It is different from general travel insurance because it meets strict visa requirements for Europe.
Expert advice
Here are the situations where taking out Schengen travel insurance is especially important if you are a traveler from the PH:
- It is mandatory for your Schengen visa application from the PH.
- To cover high emergency medical costs in European countries.
- For unexpected accidents or sudden illnesses during your trip.
- If you need expensive medical repatriation back to the Philippines.
- When you are a senior traveler or have health concerns.
- To get 24/7 assistance for any emergency while abroad.
- If your trip includes expensive or non-refundable bookings.
The price of Schengen travel insurance
On average, Schengen travel insurance costs between 3% and 8% of your total trip cost.
| Trip | Trip cost | Indicative price per person |
|---|---|---|
| 15-day trip to France | PHP 60,000 | PHP 1,200 to PHP 2,500 |
| 1 week business trip to Germany | PHP 35,000 | PHP 900 to PHP 1,800 |
| 30-day family vacation in Italy and Spain | PHP 120,000 | PHP 2,000 to PHP 4,000 |
| 90-day student exchange in the Netherlands | PHP 250,000 | PHP 4,500 to PHP 7,500 |
These prices are provided as an indication and may vary depending on the type of plan chosen (standard or premium) and the specific conditions of each insurer.
The price of your Schengen travel insurance depends on several factors:
- trip duration: the longer the stay, the higher the cost.
- destination: countries or cities with higher medical costs will increase premiums.
- traveller’s age: older travellers often pay more.
- level of coverage: more comprehensive plans cost more than basic ones.
- options and add-ons: baggage, cancellation, or personal liability coverage increase the price.
What Is Covered by Schengen Travel Insurance
Schengen travel insurance is a compulsory coverage for anyone applying for a Schengen visa from the Philippines.
It is required by European authorities for the entire stay and applies in all Schengen countries.
| Covered guarantee | Definition | Expert advice |
|---|---|---|
| 🏥 Emergency medical expenses | Key guarantee. Covers urgent medical care during your stay. | 🔴 Required for Schengen visa. Minimum PHP 1.8M with zero deductible or up to PHP 3,000. Exclusions: pre-existing conditions, non-urgent treatment, chronic illness. |
| 🏨 Hospitalization | Key guarantee. Pays for hospital stays and related treatments. | 🔴 Required for Schengen visa. At least PHP 1.8M with no more than PHP 3,000 deductible. Exclusions: psychiatric care, elective procedures, cosmetic surgery. |
| 🚑 Medical repatriation | Key guarantee. Transport home if medical evacuation is needed. | 🔴 Required for Schengen visa. Cover should be full with no deductible. Exclusions: non-medical repatriation, refusal by authorities, minor illnesses. |
| 👩⚕️ 24/7 assistance | Immediate help and coordination in an emergency. | 🔴 Required for Schengen visa. Always ensure 24/7 help and direct support. Exclusions: situations not meeting “emergency” criteria, language limitations. |
| 🦷 Emergency dental care | Urgent dental treatment for accidents or pain abroad. | At least PHP 20,000 cover, deductibles below PHP 1,000. Exclusions: routine care, orthodontics, scheduled dental visits. |
| 👛 Personal liability | Protection if you cause injury or damage during your trip. | Minimum PHP 1.8M is advisable, deductible under PHP 5,000. Exclusions: intentional acts, damage to family, business liability. |
| 🎒 Baggage loss or theft | Compensation for lost, stolen or damaged baggage. | Choose minimum PHP 30,000 with deductible below PHP 2,500. Exclusions: unattended bags, valuable items, wear and tear. |
| 💸 Trip cancellation | Refund for non-refundable costs if you cancel for a covered reason. | Minimum PHP 20,000, deductible not exceeding PHP 2,000. Exclusions: changes of mind, known reasons before booking. |
| 🕒 Travel delay | Fixed amount for long airline or train delays. | Aim for at least PHP 3,000 for delays over 4 hours. Exclusions: delays under 4 hours, lack of proof, strikes. |
| 🧑🦽 Personal accident | Compensation for accidental death or disability during trip. | At least PHP 200,000, no deductible. Exclusions: risky sports, alcohol, suicide, war risks. |
Minimum PHP 1.8M with zero deductible or up to PHP 3,000.
Exclusions: pre-existing conditions, non-urgent treatment, chronic illness.
At least PHP 1.8M with no more than PHP 3,000 deductible.
Exclusions: psychiatric care, elective procedures, cosmetic surgery.
Cover should be full with no deductible.
Exclusions: non-medical repatriation, refusal by authorities, minor illnesses.
Always ensure 24/7 help and direct support.
Exclusions: situations not meeting “emergency” criteria, language limitations.
Exclusions: routine care, orthodontics, scheduled dental visits.
Exclusions: intentional acts, damage to family, business liability.
Exclusions: unattended bags, valuable items, wear and tear.
Exclusions: changes of mind, known reasons before booking.
Exclusions: delays under 4 hours, lack of proof, strikes.
Exclusions: risky sports, alcohol, suicide, war risks.
Reimbursement limits vary depending on the insurer and the plan selected (eco, standard, premium). They must always be checked in the general terms and conditions.
To find the Schengen travel insurance best suited to your needs and your trip, easily compare offers on HelloSafe.
The conditions of Schengen travel insurance
Schengen travel insurance from the Philippines is valid only under certain conditions. Here are the main points you should know:
- Timing of purchase: you must buy your Schengen insurance before you leave the Philippines and before your trip begins.
- Residency status: you must be a legal resident of the Philippines at the time you take out the insurance.
- Visa compliance: the plan must cover at least PHP 1,850,000 for medical expenses and include repatriation, as required by Schengen embassies.
- Full trip duration: your insurance must match the full dates of your intended stay in Schengen countries, including travel days.
- Countries covered: the policy must be valid in all 26 Schengen countries and clearly mention this in the contract.
- No ongoing trip: you cannot take out a policy after you are already abroad or after your trip has started.
- Incident notification: you must report claims or emergencies to your insurer as soon as possible, following the instructions in your policy.
- Restricted travel areas: cover may be refused if you travel to places under official government travel bans or advisories.
Watch out!
A critical mistake is relying on your local HMO or credit card insurance for a Schengen visa. These rarely meet the mandatory €30,000 medical and repatriation coverage. You must purchase a separate, compliant policy to avoid visa rejection and ensure you are adequately protected in Europe.
Why take out Schengen travel insurance?
Schengen travel insurance is always mandatory to obtain a Schengen visa for the Philippines, regardless of the length or reason of the trip.
Travelling exposes you to unexpected health problems that may require care or hospitalisation and these costs can be very high in Europe.
Here are some examples of healthcare costs abroad:
| Type of treatment | Average cost in the Schengen Area | Covered by insurance |
|---|---|---|
| Foot sprain (X-ray and consultation) | PHP 8,000 to PHP 12,000 | Up to 100% of costs, depending on policy limits |
| Stitches after a fall | PHP 12,000 to PHP 17,000 | Up to 100% of costs, according to policy terms |
| Consultation and treatment for an intestinal infection | PHP 10,000 to PHP 15,000 | Up to 100% of costs, minus any deductible |
| Emergency tooth extraction | PHP 9,000 to PHP 13,000 | Up to 100% of emergency dental costs, subject to limits |
| Medical repatriation | PHP 550,000 to PHP 1,000,000 | Up to 100% when medically necessary and urgent |
Coverage varies greatly depending on the plan chosen (standard or premium) and the insurer. Refer to the general conditions and always compare with tools like HelloSafe.
Schengen travel insurance also covers many other risks such as personal liability, lost or delayed luggage, trip cancellation, 24/7 assistance and repatriation useful for travellers.
Good to know
It's mandatory for your Schengen visa and protects you from huge medical bills—an appendectomy can cost ₱220,000! Plans from insurers like ACS offer direct hospital payment, so you won't pay upfront. Secure your trip and your savings.
How to choose the right Schengen travel insurance
Coverage for Schengen travel insurance varies by plan, with limits, deductibles, and eligibility conditions differing between providers. To avoid inconvenience, knowing what to compare helps ensure you only pay for benefits you really need.
| Criterion | Why it matters | Expert tip |
|---|---|---|
| 💶 Reimbursement limits | Insufficient limits may leave you paying for costly emergencies in Europe | Choose a policy with at least PHP 1,850,000 for medical and repatriation expenses (mandatory). |
| 📉 Deductible | A high deductible means bigger out-of-pocket expenses | Favour travel insurance plans with no or a very low deductible for medical benefits if possible. |
| 📃 Policy conditions | Rules such as when to buy and where to travel can affect eligibility | Buy your policy before departure from the Philippines and check for geographic or activity exclusions. |
| 👵 Traveller’s age | Minimum or maximum age affects eligibility and premium | Look for plans that do not restrict age or increase the cost for seniors when travelling with elders. |
| 👨👩👧 Traveller profile | Family, solo, senior and child coverage needs are different | Select a policy that covers your situation if travelling with family, minors or as an older adult. |
| 📆 Trip duration | Cover must match the entire period spent in the Schengen Area | Confirm your insurance is valid from departure until you leave all Schengen countries including layovers. |
| 🌍 Geographic area | Schengen law requires cover in all member countries | Your policy must list all 26 Schengen countries. Avoid those valid in just one or two destinations. |
| 🛡️ Existing coverage | Bank card or HMO insurance does not usually meet Schengen visa requirements | Do not rely on bank cards or local health insurance for your visa—they rarely provide sufficient cover. |
| 🧗 Planned activities | Certain sports and adventurous activities may be excluded | Declare if you plan activities like skiing or hiking, and select add-ons if needed for these sports. |
Do my current insurance policies cover Schengen travel?
It is understandable to check if your current insurance, such as credit card insurance or PhilHealth, can be used for Schengen travel. However, these are almost never sufficient for legal requirements or complete protection.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Schengen travel insurance included? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (PhilHealth) | Never | Only covers care within the Philippines, never abroad. No cover for foreign medical care, repatriation, 24/7 assistance or Schengen visa requirements. | Travel insurance covers up to PHP 1,850,000 and includes repatriation, hospitalisation, liability and baggage loss. |
| Private health insurance (Maxicare, Pacific Cross) | Almost Never | May include emergency medical (up to PHP 100,000) with special add-on, usually excludes repatriation. No assistance, trip cancellation, luggage or civil liability guarantees. | Travel insurance covers up to PHP 1,850,000, repatriation, 24/7 support, cancellation and lost luggage as standard. |
| Classic credit card (BDO Gold, BPI Classic) | Never | Sometimes covers accident, lost luggage or minor inconvenience (max PHP 1,000,000). No overseas medical expenses, hospitalisation, or emergency repatriation for Schengen visa. | Travel insurance provides full health/repatriation up to PHP 1,850,000 and all Schengen mandates not met by cards. |
| Premium credit card (BDO Platinum, Security Bank Platinum) | Limited coverage | May cover accident, flight or baggage delay (up to PHP 2,000,000) but never medical or repatriation. Medical expenses, hospital stays, and repatriation are always excluded for Schengen. | Travel insurance reimburses up to PHP 1,850,000 for medical, repatriation and includes liability and trip cancellation. |
No cover for foreign medical care, repatriation, 24/7 assistance or Schengen visa requirements.
No assistance, trip cancellation, luggage or civil liability guarantees.
No overseas medical expenses, hospitalisation, or emergency repatriation for Schengen visa.
Medical expenses, hospital stays, and repatriation are always excluded for Schengen.
Expert advice
Your bank card or local HMO may not cover trip interruptions due to a relative’s illness or death. Carefully read your policy to avoid surprises abroad. For true security, it is always safer and more reassuring to subscribe to a dedicated travel insurance policy tailored to your trip.
FAQ
Is Schengen travel insurance mandatory?
Schengen travel insurance is mandatory if you are applying for a Schengen visa from the Philippines. This requirement covers all tourist, business, student and family visitor stays in the Schengen area. Even if you are not required to obtain a visa, insurance is strongly recommended because medical emergencies and accidents can be expensive. For example, a trip to Europe without insurance could result in paying hundreds of thousands of pesos out of pocket for care.
When is it recommended to purchase Schengen travel insurance?
It is recommended to purchase Schengen travel insurance immediately after booking your trip but before your visa appointment. Buying early ensures coverage is effective, especially for cancellation and pre-departure risks. It also gives you time to compare options and complete embassy requirements stress-free.
How do I purchase Schengen travel insurance?
1/ Compare plans online using platforms such as HelloSafe’s travel insurance comparison tool. 2/ Check guarantees and exclusions to ensure they are Schengen-compliant. 3/ Purchase your chosen policy online in minutes. 4/ Receive the insurance certificate instantly or by email, ready for your visa application and travel.
Can I purchase Schengen travel insurance after booking my flight or hotel?
Yes, you can buy Schengen travel insurance after booking your flight or accommodation. However, it is better to purchase it before your visa application so you are protected from the very start and have all required documents ready.
How do I make a claim with my Schengen travel insurance?
If you need medical care or another covered service, contact your insurer’s assistance hotline for instructions. Collect all required documents such as medical reports and receipts. Submit your claim online or by email as soon as possible for prompt processing.
Does Schengen travel insurance cover COVID-19 related expenses?
Most Schengen travel insurance policies now include cover for emergency medical costs due to COVID-19, such as treatment and quarantine expenses. Always check the details with your insurer before purchasing to make sure these risks are included for your destination.
What if my visa is denied after I purchased insurance?
Many Schengen travel insurance providers offer free policy cancellation and full refund if your visa application is rejected. You will usually need to show official proof of rejection, so keep your embassy documents and notify the insurer promptly.
Is Schengen travel insurance mandatory?
Schengen travel insurance is mandatory if you are applying for a Schengen visa from the Philippines. This requirement covers all tourist, business, student and family visitor stays in the Schengen area. Even if you are not required to obtain a visa, insurance is strongly recommended because medical emergencies and accidents can be expensive. For example, a trip to Europe without insurance could result in paying hundreds of thousands of pesos out of pocket for care.
When is it recommended to purchase Schengen travel insurance?
It is recommended to purchase Schengen travel insurance immediately after booking your trip but before your visa appointment. Buying early ensures coverage is effective, especially for cancellation and pre-departure risks. It also gives you time to compare options and complete embassy requirements stress-free.
How do I purchase Schengen travel insurance?
1/ Compare plans online using platforms such as HelloSafe’s travel insurance comparison tool. 2/ Check guarantees and exclusions to ensure they are Schengen-compliant. 3/ Purchase your chosen policy online in minutes. 4/ Receive the insurance certificate instantly or by email, ready for your visa application and travel.
Can I purchase Schengen travel insurance after booking my flight or hotel?
Yes, you can buy Schengen travel insurance after booking your flight or accommodation. However, it is better to purchase it before your visa application so you are protected from the very start and have all required documents ready.
How do I make a claim with my Schengen travel insurance?
If you need medical care or another covered service, contact your insurer’s assistance hotline for instructions. Collect all required documents such as medical reports and receipts. Submit your claim online or by email as soon as possible for prompt processing.
Does Schengen travel insurance cover COVID-19 related expenses?
Most Schengen travel insurance policies now include cover for emergency medical costs due to COVID-19, such as treatment and quarantine expenses. Always check the details with your insurer before purchasing to make sure these risks are included for your destination.
What if my visa is denied after I purchased insurance?
Many Schengen travel insurance providers offer free policy cancellation and full refund if your visa application is rejected. You will usually need to show official proof of rejection, so keep your embassy documents and notify the insurer promptly.
