You have arrived at this page because Allianz will no longer offer Travel Risk Insurance for a Schengen visa from July 1, 2024. Fortunately, we do have a good alternative to Travel Risk Insurance, which is the Schengen Visitor Insurance from OOM Insurance. OOM Verzekeringen is a reliable Dutch insurer based in Rijswijk and a specialized provider of Schengen insurance.
The Schengen Visitor insurance is an excellent alternative to the Allianz policy because this insurance also offers a visa guarantee* and has very extensive coverage. The foreign guest is even insured up to €500.000 for medical costs and, thanks to the low premium, a good choice for everyone. You can take out this insurance online here and you will receive the policy within 1 hour.
* Visa guarantee: if the Schengen visa application is rejected, you will receive the premium back.

Schengen Visitor Insurance OOM
✔ More than meets all requirements for a Schengen visa application.
✔ Affordable and good: From €1,60 per person per day.
✔ The policy by email (iDEAL, credit card or PayPal) within 1 hour.
✔ Also for people over 70 years old
✔ Coverage for medical costs up to €500.000
✔ VISA GUARANTEE: If your Schengen visa is rejected, you will receive the premium back.
✔ Liability can possibly be co-insured.
The Schengen Visitor insurance is the best choice for the successful application for a Schengen visa!
Would you prefer to receive the policy in English? Click here: Calculate premium and finalize.
More information about OOM's Schengen insurance:
- Coverage overview Schengen Visitor Insurance
- Policy conditions Schengen Visitor Insurance
- Schengen Visitor Insurance Insurance Card
The OOM Schengen Visitor Insurance is the ideal solution for both Dutch and foreigners coming to the Netherlands. This medical insurance is necessary to apply for a Schengen visa for the Netherlands. For just €1,60 per day, this insurance offers excellent coverage for medical costs and repatriation for your foreign partner, family member or friend. When paying with iDEAL, credit card (Mastercard or VISA) or PayPal, you will receive the policy by email within an hour. You can also apply for the policy in the English language.
The OOM Schengen Visitor Insurance is suitable for:
- Foreign people who come to the Netherlands for holiday or family visits.
- Persons over 70 years old.
- People who are on holiday or in transit to the Netherlands.
- Anyone who needs medical travel insurance to apply for a Schengen visa (Short Stay Visa).
Most important features
- Premium: From €1,60 per day.
- Coverage: All of Europe, including all Schengen countries (you are not insured in your country of origin).
- Cost reimbursement: Up to a maximum of €500.000 for medical costs.
- COVID-19: Coverage for medical expenses related to COVID-19.
- Repatriation: Coverage for repatriation to the country of origin.
- Age and medical acceptance: No age limit and no medical acceptance required.
- Schengen visa: Meets the requirements for applying for a Schengen visa.
- Fast policy receipt: When paying with iDEAL, credit card (Mastercard or VISA) or PayPal, you will receive the policy by email within an hour.
- Unexpected costs: Coverage for sudden and unexpected medical expenses.
- In the Netherlands: Can also be taken out if you are already in the Netherlands.
- Liability insurance: Possibility to take out liability insurance in the Netherlands.
- Insured period: Maximum 6 months consecutively.
Premium
Here is the clear premium table with three columns for health insurance with the OOM Schengen Visitor insurance:
Age | Premium per day and deductible | Maximum running time |
---|---|---|
0 t / m 69 year | €1,60 (deductible €50) | 6 months |
70 t / m 79 year | €6 (deductible €100) | 6 months |
80 years and older | €8 (deductible €200) | 3 months |
For liability insurance, the premium (including insurance tax) is €1 per day for 0,20 person and €2 per day for 0,40 or more people.
Important exclusion
All existing complaints and ailments are excluded from coverage. This means that the insurance only provides coverage for new, sudden and unexpected medical costs that arise during the insurance period.
The OOM Schengen Visitor Insurance offers a comprehensive and flexible solution for anyone traveling to the Netherlands and meeting the requirements for a Schengen visa, with fast and simple policy processing.
Travel medical insurance: Premiums and taking out
Refund in case of visa rejection
If your visa is rejected and the insurance has not yet taken effect, you will receive the premium back or it will not be collected. This provides reassuring security when applying.
What does the OOM Schengen Visitor Insurance reimburse?
The OOM Schengen Visitor Insurance covers unforeseen medical costs, such as acute appendicitis or a broken leg. Below is an overview of what the insurance reimburses:
- GP visits
- Medicines
- Specialist care and hospitalization
- Dental costs after an accident, up to €350
If your medical costs are covered, you will be reimbursed up to a maximum of €500.000.
Key exclusions
The insurance does not provide coverage for:
- Pregnancy and childbirth (including maternity care)
- Diabetes mellitus, gall and kidney stones
- Dental costs that are not the result of an accident
- In some cases there is a maximum reimbursement or a maximum number of treatments.
Medical insurance for visa application
The OOM Schengen Visitor Insurance meets all requirements for obtaining a Schengen visa. The most important requirements are:
- Validity: The insurance is valid throughout the Schengen area.
- Duration: The insurance must cover the entire duration of the stay.
- Coverage: The insurance provides coverage for emergency medical care and repatriation up to a minimum of €30.000.
If your visa is refused and the OOM Schengen Visitor Insurance has not yet taken effect, you will be refunded the premium.
Insurance period of the OOM Schengen Visitor Insurance
The maximum term of the insurance differs per age group:
- Younger than 70 years: Maximum 6 months
- Between 70 and 79 years: Maximum 6 months
- 80 years and older: Maximum 3 months
Extend the insurance
When the insurance expires, you cannot renew it, but you can take it out again. Please note that existing ailments or complaints that you already had when you took out the previous insurance will not be reimbursed under the new insurance. This means that you may not receive compensation for complaints or ailments that were covered by the old insurance.
Advice if you are unsure about the insurance period
If you are not yet sure how long you need the insurance, it is wise to choose a longer period instead of one that is too short. This prevents you from being without coverage during your stay.
Key Features & Benefits
- Flexible terms: Adapted to the age group.
- No extensions: But you do have the option to take out new insurance.
- No coverage for existing ailments or complaints: When taking out a new insurance policy.
- Additional security: Reimbursement of the premium in case of visa rejection.
Include liability insurance
You have the option to also include liability coverage in the Schengen Visitor insurance. OOM will reimburse the damage you cause to persons or property within the Netherlands, up to an amount of €1.250.000. There is a deductible of €45 per incident for damage to borrowed items. For liability insurance, the premium (including insurance tax) is €1 per day for 0,20 person and €2 per day for 0,40 or more people.
Most frequently asked questions and answers about the OOM Schengen Visitor Insurance (FAQ)
Read the most frequently asked questions and answers about the OOM Schengen Visitor Insurance below.
Why do I need to take out insurance for a Schengen visa?
When applying for or collecting a Schengen visa, you must be able to prove that you have taken out medical insurance that covers the entire period of your stay in the Netherlands. This is because the Schengen countries do not want to pay for any medical costs of foreign guests, such as hospital costs. In addition, medical insurance offers financial protection for the person who acts as guarantor for the foreign guest.
What is OOM Schengen Visitor Insurance?
The OOM Schengen Visitor Insurance is a medical insurance that meets the conditions for obtaining a Schengen visa for a short stay. This insurance covers medical costs for unexpected emergency care, such as GP visits, hospital admissions, specialist care and medicines, up to an amount of € 500.000.
How much does the OOM Schengen Visitor Insurance cost?
The costs for the OOM Schengen Visitor Insurance are €1,60 per day for people up to 70 years of age. This means you are insured against unforeseen medical costs.
Does this insurance meet the requirements for a Schengen visa?
Yes, the OOM Schengen Visitor Insurance meets the requirements for a Schengen visa. These requirements are:
- Valid for the entire duration of the stay.
- Coverage for emergency medical care.
- Coverage for repatriation for medical reasons.
- Minimum coverage of €30.000.
The OOM Schengen Visitor Insurance even offers coverage of €500.000 for the insured period.
What does travel insurance cover for foreign guests?
The OOM Schengen Visitor Insurance covers unexpected emergency medical costs up to €500.000. The deductible is only €50 for the entire insured period. This travel insurance can also be taken out for people aged 70 or older who have already arrived in the Netherlands. The coverage includes, among other things:
- GP visits
- Medicines
- Ambulance transport
- Specialist care
- Hospital admissions
- Dental costs after an accident
Medical costs for complaints or ailments that you already had when you took out the insurance will not be reimbursed.
What else is the foreign traveler insured for?
In addition to medical costs, your guest is also insured for SOS costs, such as assistance and repatriation, including:
- Repatriation/evacuation
- Search/rescue
- Transport of the remains to the country of origin.
- You can also take out liability insurance.
I need the policy immediately. Is that possible?
Yes, if you pay with iDEAL, PayPal or MasterCard/VISA, you will receive the policy by email within an hour. You can apply for the OOM Schengen Visitor Insurance directly online.
Is my foreign guest also insured for Corona (Covid-19)?
Yes, the insurance covers medical costs, including those for Covid-19. If you are admitted due to the coronavirus, you can contact the OOM emergency center via the 24/7 emergency numbers.
How long is the insurance valid?
The OOM Schengen Visitor Insurance can be taken out for a maximum of six months. For persons aged 80 or older, the insurance is valid for a maximum of three months.
Can I extend the OOM Schengen Visitor Insurance?
No, the insurance cannot be extended. After the insured period has expired, you can take out new insurance. Please note that you will not be reimbursed for any complaints or ailments you already had when you took out the new insurance. As a result, you may not receive reimbursement for complaints that were covered by your previous insurance.