Travel Insurance for Schengen Visa
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What is Schengen Travel Insurance?
The Schengen insurance plans are designed exactly according to the requirements specified by the Schengen authorities. The features and benefits of these plans are similar to other international travel insurance schemes.
Is Travel Insurance Mandatory for a Schengen Visa?
Yes. Travel insurance for Schengen visas is the most important requirement if you want to travel to any of these countries. You cannot apply for a Schengen visa without submitting your travel insurance documents.
What are the Schengen Countries?
The Schengen Visa Countries List
Austria
Belgium
Croatia
Czech Republic
Denmark
Estonia
Finland
France
Germany
Greece
Hungary
Iceland
Italy
Latvia
Liechtenstein
Lithuania
Luxembourg
Malta
Netherlands
Norway
Poland
Portugal
Slovakia
Slovenia
Spain
Spain
Switzerland
What is Schengen Visa?
What are the Different Types of Schengen Visas?
Uniform Schengen Visa
A uniform Schengen visa allows the traveler to stay in a Schengen region for a maximum of 90 days. You can get this visa from any of the Schengen countries. It has the following three sub-categories.
Single-Entry Visa
The holder of a single-entry visa can enter the Schengen area only once. Once you leave the Schengen area, you cannot return on the same visa even if you have not completed the number of days permitted for your stay.
Double-Entry Visa
A double-entry visa allows you to enter the Schengen area twice on the same visa
Multiple-Entry Visas
This allows multiple entries within the Schengen area for the traveler. But you cannot stay more than 90 days within the six months duration. Multiple-entry visas are issued for one year, three years, and five years.
1-Year Multiple Entry Visa: You can get a multiple entry visa with 1-year validity if you have obtained at least three Schengen visas in the past two years and used them legally
3-Years Multiple Entry Visa: You can get a multiple entry visa with 3-year validity if you have used a 1-year multiple entry visa lawfully
5-Years Multiple Entry Visa: You can get a multiple entry visa with 5-year validity if you have used any of the above two visas for two years in the past three years
Limited Territory Validity Visa
A limited territory validity visa allows the holder to enter only the countries that are mentioned on the visa. You cannot visit any other country in the Schengen region. This visa is generally issued on humanitarian grounds when people have to travel in the Schengen area without complete travel documents in place.
National Visas
A national visa is a permanent resident visa for Schengen countries. You can apply for and obtain this visa if you want to move to any of the Schengen countries for study or work purposes. It is issued either as a single-entry or a multiple-entry visa
Schengen Visas Based on Travel Purposes
Tourist Visa
This visa allows you to visit the Schengen countries for a holiday/vacation
Business Visa
This visa allows you to travel to the Schengen countries for work or business
Official Visit Visa
You can obtain an official visit visa if you visit the Schengen area as part of an official delegation
Medical Visa
This visa is meant for people traveling to Schengen countries for medical treatment
Study Visa
This visa is meant for students who get wish to study at any of the universities in the Schengen region
Transit Visa
This visa is required if you want to travel through the Schengen countries to reach any other country
Event-Related Visa
This visa is for people who want to travel to the Schengen area to take part in sports, cultural, or other events
Why Do You Need Schengen Travel Insurance?
It helps you fulfill the mandatory legal requirements prescribed by the Schengen Visa Authority.
Travelers get medical insurance coverage for emergency situations that they may face during their travel.
A Schengen travel insurance plan also provides coverage for Covid-19 tests, quarantine, and treatment.
Schengen visa insurance offers compensation if your baggage gets lost or delayed during your trip.
You get financial compensation for travel-related inconveniences such as trip cancellations, personal liability, etc.
A single plan covers your travel across multiple countries in the Schengen area.
Schengen insurance provides financial protection during travel to give you complete peace of mind.
Schengen Travel Insurance Insights
Requirement
Mandatory
Eligibility Criteria
Citizens or residents of the UAE aged between 30 days to 65 years
Countries Covered
27 European countries
Major Benefits Covered
Emergency medical expenses, trip delays & cancellations, baggage loss or delay, loss of travel documents & personal belongings.
Covid-19 Coverage
Covid-19 Coverage
Minimum Sum Insured
30,000 Euros
Policy Extensions
Available at the insurer’s discretion
Claim Settlement Procedure
Both online and offline
Types of Schengen Travel Insurance Plans
Travel insurance for Schengen visa countries is primarily of two types:
Single-Trip Schengen Travel Insurance plan
This insurance plan is designed only for single trips. It is generally bought along with a type C single-entry Schengen visa. It suits individual travelers, families, and senior citizens.
Multi-Trip Schengen Travel Insurance plan
People who frequently travel to Schengen countries should buy a multi-trip travel insurance policy. These plans are valid for one year and are bought along with a type C multiple-entry Schengen visa.
What is Covered Under Travel Insurance for Schengen Visa?
A Schengen travel insurance policy includes the following benefits and services.
Medical Insurance Benefits
- Emergency medical treatment
- Personal accident coverage
- Daily hospital allowance
- Compassionate visit by a family member
- Emergency medical evacuation
- Repatriation services
- Emergency dental treatment
Trip Inconvenience Benefits
- Compensation for trip cancellations & curtailment
- Compensation for flight delays & missed flights
- Loss or delay of checked-in baggage
- Loss of travel documents
- Theft of money and personal belongings
- Personal liability coverage
- Compensation for the hijack of flights
- Burglary coverage for home
What is not covered under Travel Insurance for Schengen Visa?
The general exclusions of a Schengen visa insurance plan are listed below.
- Travel for medical treatment
- Traveling against the advice of doctors
- Treatment of pre-existing diseases
- Cosmetic surgeries and infertility treatments
- Expenses related to regular medical checkups
- Normal pregnancy treatments
- Injury, illness, or damage under substance abuse
- Injury or damage due to involvement in illegal activities
- Damages caused by wars or acts of war
Schengen Visa: Procedure and Required Documents
Collect the visa application form. Print two copies of the same and fill them up. Sign properly at the specified places.
Check with your travel agent to find out which Schengen country has to give you the visa. The visa center that you have to visit depends on the country you choose.
Get an appointment with the visa center in the UAE. Please carry the visa application form and other required documents.
Attend the interview at the visa center and submit all the required documents.
You will be notified once your application is processed and approved.
The following documents are required to complete the Schengen visa insurance requirements.
The visa application form must be duly filled up and signed
A valid passport that is not more than ten years old. The validity must extend at least three months beyond the date of departure from the Schengen area.
Two passport-sized photographs that are not older than three months with a bright-colored background
A valid proof of residence in the UAE that extends at least three months beyond the date of departure from the Schengen area
Proof of to and from flight tickets and accommodation proof in the Schengen area.
A cover letter stating the reason for visiting the Schengen countries.
Proof of financial resources to support yourself in the Schengen area.
Schengen travel insurance documents.
Eligibility Criteria for Schengen Travel Insurance in Dubai
Resident & Age
Citizens or residents of the UAE who are at least 18 years of age
Insurance plan
Children aged above 30 days and below 18 years can be included as dependents in their parents' insurance plans. Elderly people (aged above 65 years) should buy the senior citizens' travel insurance plan.
Document
Documents such as a passport, resident visa, and Emirates ID have to be submitted to the insurance provider.
Frequently Asked Questions on Schengen Travel Insurance
The premium for Schengen travel insurance depends on several factors, like the features, the sum insured, and the insurance company. The premium starts at around AED 40-50 per day
The Schengen travel insurance policy is canceled, and you will get a refund for the same if your visa application gets rejected.
Yes. You should have a separate Schengen travel insurance plan for senior citizens aged above 65 years, as they cannot be included in your family plan.
A Schengen visa insurance only covers your travel to the Schengen group of countries. It is recommended that you buy a separate travel insurance plan for other countries.
Yes. Travel insurance is mandatory to obtain a Schengen visa from the UAE. The insurance policy must be designed in accordance with the requirements specified by the Schengen authorities. This typically includes insurance coverage for medical emergencies, accidents, and repatriation of mortal remains. The policy must be valid for the entire duration of your trip.
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Disclaimer: The information mentioned here is gathered from sources deemed to be reliable & trustworthy. The Travel Insurance for Schengen Visa may have limitations, exclusions, and other terms and conditions that may affect coverage. It is important to carefully review the policy wording before making any decision.