Tips for taking out medical travel insurance for a Schengen visa

Is a foreign guest requiring a visa coming to the Netherlands with a Schengen visa for a short stay? Then one medical travel insurance, which meets certain conditions, is mandatory. Here you read useful tips what exactly you should pay attention to when taking out medical travel insurance for a Schengen visa.

Tip 1. Compare the conditions of the travel insurance

No medical travel insurance is the same. The conditions differ in parts. For example, not all insurers reimburse the following costs:

• Return travel costs in the event of an accident or death of the insured's family that is not traveling with him.
• Death of a co-insured travel companion.
• Funeral/cremation costs and family travel costs.
• Travel documents (purchase costs).
• Replacement clothing and/or toiletries.
• Damage to lodgings.
• Damage to insured property in the country of origin.
• Forced delay.

A Schengen visa travel insurance may seem cheaper at first glance, but then the reimbursements are often also deleted, in short, the coverage is more limited.

Tip 2. Look at the options for medical travel insurance

Sometimes you can expand a Schengen visa travel insurance policy with different options. This is useful if, for example, you want to go on holiday outside the EU with your foreign partner who is subject to a visa requirement. In that case you need medical travel insurance with worldwide coverage. When comparing, check whether you can also insure the following extensions:

• Winter sports and special sports
• Cancellation
• Global coverage

Tip 3. Make sure that the guarantor is also the policyholder

Do you guarantee your foreign guest or partner? Then always close the medical travel insurance and send the policy to the visa applicant by e-mail. The travel insurance is also for your financial protection. You are financially responsible for any medical costs and these can be substantial. If you take out a policy, we advise you to ensure that you are the policyholder (premium payer) and your guest is the insured. The advantage of this is that any damage payment will also be transferred to you and not to your guest's bank account.

Tip 4. Take out Schengen insurance with a Dutch insurer

With a Dutch travel insurer you are subject to Dutch law. Dutch insurers are subject to strict supervision and are usually more reliable than foreign insurers. That is a nice idea at high costs. You can also tell your story in your own language if you have questions or problems and you do not have to call abroad.

Tip 5. Check whether you will get the premium back in the event of a visa rejection

A visa may be rejected. In that case, you would like a refund of the premium for the medical Schengen insurance. Not all insurers do that, so keep that in mind.

Tip 6. Check whether the medical travel insurance meets all EU requirements for Schengen insurance

The European Union sets the following requirements for medical travel insurance for Schengen visas:

• The validity of this travel insurance must be equal to the total visa period.
• The travel insurance must be valid in all Schengen countries (minimum Europe coverage).
• The travel insurance must cover repatriation costs and medical costs.
• The cover for medical costs must be at least € 30.000.

Tip 7. Remember the exclusions with this insurance

Medical travel insurance for a Schengen visa is only intended for urgent unexpected medical assistance. Existing diseases and ailments are always excluded. Does your guest take any medication? Then make sure that he or she brings enough stock to the Netherlands. Please note that pregnancies are never covered by these insurance policies.

Tip 8. Make sure you get the policy for Schengen insurance quickly

Of course you don't feel like spending days on a policy of yours Schengen insurance having to wait, especially if your guest already has an appointment for a visa application at the Dutch embassy or an external service provider.

Tip 9. Provide a point of contact for policy changes that is easily accessible

It may be that after taking out the Schengen visa travel insurance you want to make some adjustments, for example the start date of the policy because your guest is leaving on a different date. Then it is important that you have an easily accessible point of contact, for example the insurer or an intermediary. Make sure that you take out insurance with a party that can be reached by telephone for questions or changes to the policy. Always check an issued policy whether all the details of the insured are correct. And see if changes are made free of charge.

Tip 10. Let your guest take the policy with them on their trip

Has a Schengen visa already been issued and is your guest traveling to the Netherlands? Then make sure that he or she always carries copies of the supporting documents and the insurance policy. A Schengen visa does not give an automatic right of entry to the Schengen area. During border control, the Marechaussee can ask again to provide all information and/or to submit documents. It is therefore also checked whether medical travel insurance has been taken out for the foreign traveler.

Take out medical travel insurance for a Schengen visa here

Need travel insurance for Schengen visa? We recommend the Travel Risk Insurance from Allianz Global Assistance. This is an approved Schengen insurance policy that you can easily and quickly take out here. The Travel Risk Insurance meets all requirements for Schengen visas and is always accepted by the Dutch embassy and external service providers. For as little as €2 per day, your foreign family member, partner or friend is well insured for assistance, medical costs and repatriation.

All the benefits of the Travel Risk medical travel insurance for a Schengen visa:

• Favorable premium of €2 per person per day.
• Visa Guarantee: No visa = premium return (you don't have to pay anything and the policy expires).
• Policy and conditions in clear Dutch (English policy conditions and insurance statement are also possible).
• Meets all visa requirements of the Dutch government (embassies and consulates) and Schengen countries.
• You can change the policy free of charge before the commencement date.
• Fast service: on working days you will receive the policy within 24 hours or earlier if necessary.
• Personal contact: Call us for questions or changes.

Allianz Travel Risk Insurance for Schengen Visas

Premium per person per day	from € 2,-
Maximum age up to	70 years
SOS costs (including assistance, rescue and search)	✔
Medical costs (including hospital, specialist and doctors)	✔
Illness, accident or loss of the insured	✔
Accident or death of non-accompanying family of the insured	✔
Death of co-insured travel companion	✔
Repatriation (including ambulance plane and transport of mortal remains)	✔
Funeral/cremation costs and family travel costs	✔
Travel documents (purchase costs)	✔
Replacement clothing and/or toiletries	✔
Damage to lodgings	✔
Damage to insured property in the country of origin	✔
Forced delay	✔
Options to be insured:
Winter sports and special sports	✔
Cancellation	✔
Global coverage	✔

Please note: This insurance must be taken out before leaving the country of origin and the visa insurance can only be taken out for persons younger than 70 years! Is your guest older? Read more information for an alternative here: Schengen travel insurance for persons aged 70 and older.

Premium overview for medical travel insurance

Europe coverage	€ 2,-
Global coverage	€ 3,-
Winter/special sports	€ 1,15
Cancellation	5% of travel sum
Minimum premium	€ 11,50
Policy costs	€ 4,50
Premium per person per day. Up to and including 69 years.

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• Medical travel insurance tips
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• Best Schengen insurance
• Schengen visa travel insurance
• Travel insurance for Schengen – quickly and easily arranged here!