Schengen visa Insurance Allianz
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✔︎ Meets all requirements for a Schengen visa.
✔︎ Medical costs covered up to €30.000 Repatriation: all necessary costs.
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When you travel to Europe or to the Netherlands, you may have a Schengen visa necessary. If that's the case, then a Schengen visa insurance also mandatory. You can read more about this in this article.
A Schengen visa allows you to travel freely between 27 European countries that have chosen not to operate border checkpoints. This specific area, the Schengen Area, includes countries such as the Netherlands, Austria, Belgium, Croatia, Czech Republic, Denmark, Estonia and many others, from Italy and Spain in the south to Norway and Finland in the north.
While many people associate the Schengen area with the European Union, this is not entirely correct. For example, the Republic of Ireland, Cyprus, Bulgaria and Romania are EU Member States, but do not belong to the Schengen area. On the other hand, there are countries such as Iceland, Norway, Switzerland and Liechtenstein that are part of the Schengen area, but are not EU members.
Schengen visa or ETIAS?
For travelers from certain countries, such as America, Canada and Brazil, a Schengen visa or associated travel insurance is currently not required to visit the Schengen area. However, this policy will change. From 2024, the European Travel Information and Authorization System, also known as ETIAS, introduce a new scheme. Travelers will then have to apply for special permission before entering the Schengen area.
What is Schengen visa insurance?
A Schengen visa insurance is a specific type of insurance required for travelers who require a Schengen visa. This insurance is designed to provide financial protection against unforeseen medical expenses during your stay Schengen area. It covers costs such as hospitalization, medical treatment and even repatriation for medical reasons, should the need arise.
It is important that this insurance is not only valid in a specific Schengen country, but in all countries that are part of it Schengen area. In addition, the insurance must cover the entire duration of the traveler's stay. A crucial detail for travelers to note is that Schengen visa insurance must have a minimum coverage of €30.000. This coverage ensures that any medical emergencies can be adequately addressed without creating financial burdens for the traveler or the host countries.
Who needs Schengen visa insurance?
Although some nationals such as Americans, Canadians and Australians with a valid passport can enter the Schengen area without a Schengen visa or associated insurance, it is still advisable for them to take out good travel insurance that covers medical costs and other potential risks during their trip.
However, for people from many other countries, such as Turkey, Cambodia, China, Cuba and many others including India, Pakistan and the Philippines, it is necessary to obtain a Schengen visa before they can enter the Schengen area. To obtain this visa, they must also take out Schengen visa insurance that meets the requirements, such as minimum coverage of medical costs.
However, there are countries whose citizens are exempt from the visa requirement for the Schengen area. Examples include the United States, Israel, Japan and South Korea. Although residents of these countries do not require a Schengen visa, it is still a good idea to consider travel insurance for any unforeseen circumstances during their stay in Europe.
What does the Schengen insurance cover?
De Schengen insurance is specifically designed to provide travelers with financial protection against unforeseen costs that may arise during their stay in the Schengen Area. This includes:
- Medical expenses: This includes costs for medical care resulting from an illness or accident. This may include costs for a doctor, hospitalization, prescribed medication, medical tests and treatments. Even dental care may, under certain conditions, be included.
- Repatriation: Should it be necessary to return a traveler to their home country for medical reasons, these costs will be covered by Schengen Insurance. This can also cover the costs of repatriating a deceased person.
- Coverage in all Schengen countries: The insurance is not limited to one specific Schengen country, but is valid in all countries that are part of the Schengen area and Europe. This means that if a traveler visits multiple Schengen countries on one trip, they are covered in each of those countries.
- Minimum Coverage: It is mandatory that the insurance has a minimum coverage of € 30.000. This amount is set to ensure that, in the event of major medical emergencies or repatriation, costs can be fully covered.
In essence, Schengen visa insurance is there to ensure that travelers visiting the Schengen area are protected against high unforeseen costs and that the Schengen countries themselves are not financially burdened by medical emergencies of visitors.
What does the Schengen insurance not cover?
De Schengen insurance is primarily aimed at covering unforeseen medical costs and repatriation during the stay in the Schengen area. However, there are certain matters that are generally not covered:
- Trip cancellation or interruption: If you have to cancel or interrupt your trip due to personal reasons, illness or other circumstances, these costs are generally not covered by Schengen insurance. You would have to take out separate trip cancellation insurance for this.
- Transportation costs: Costs related to transportation, such as car rental, damage to rented vehicles or accidents while using a rented vehicle, are not covered by Schengen insurance.
- Lost or stolen luggage: Although losing luggage or having stolen property can be frustrating while traveling, these costs are not covered.
- Pre-existing medical conditions: If you already have a medical condition before your trip starts, costs related to this condition are usually not covered by Schengen insurance. This means that if you need medical care directly related to a previously known condition, you may have to pay for these costs out of pocket.
It is always important to carefully read the policies and terms of your specific insurance policy so you know exactly what is and is not included. If in doubt, it is advisable to contact the insurer to obtain clarity about the coverage.
Which Schengen insurance is recommended?
Are you looking for good Schengen insurance for a visa? Then take a look at Allianz's Travel Risk Insurance. That is excellent Schengen insurance with VISA GUARANTEE. Do you want to know more? Look here: https://schengenvisum.info/medische-reisverzekering/schengen-verzekering-afsluiten/
What is the difference between a Schengen visa and ETIAS?
The Schengen visa and the European Travel Information and Authorization System (ETIAS) are both systems set up to regulate and secure travel within the Schengen area. Although they have similar goals, they differ in their target audience and features:
- Schengen visa:
- Goal: Intended for travelers from countries that require a visa to enter the Schengen area.
- Process: The Schengen visa application process can take several weeks and usually requires the submission of various documents, such as an itinerary, proof of accommodation, and in some cases also Schengen visa insurance.
- Validity: Usually it is valid for short stays, up to 90 days within a 180 day period.
- ETIAS (European Travel Information and Authorization System):
- Goal: Intended for travelers from countries that can currently enter the Schengen area without a visa. ETIAS is not a visa, but a travel permit.
- Process: Travelers must complete an ETIAS application online, which is less time-consuming and complicated than applying for a Schengen visa. The system will check the applicant's data against various databases to identify any security issues.
- Validity: Once approved, ETIAS is valid for up to 3 years, or until the applicant's passport expires, whichever comes first. This allows travelers to enter the Schengen area multiple times.
Essentially, ETIAS is an intermediate step between traveling freely without any checks and applying for a full visa. It aims to improve security within the Schengen area without drastically restricting the travel freedom of visa-free travellers.
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