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Travel Insurance for Schengen Visa Philippines

Filipinos love to travel. One of the sought after destination is Europe. Paris, Rome, Madrid, Barcelona, Budapest, Vienna, Copenhagen, are only a few of the most-visiting cities is the European Union. For Philippine-passport holders, visiting these destinations would require one common pass: Schengen Visa.

 

Travel insurance for Schengen Visa should provide travel medical coverage of up to 30,000 Euros or equivalent. In the Philippines, there are Peso (Php) travel insurance plans that provides up to Php 2,500,000, which is sufficient enough for schengen visa requirements. Additionally, it must have emergency medical evacuation coverage, in case it is necessary for you to be transported to a medical facility and repatriation coverage, in case it is medically necessary for you to be flown back to the Philippines due to serious illness or injury. Lastly, the insuring company should be accredited to Schengen embassies.

Any person (individuals, groups, tourists, business travelers) from the Philippines, who are Philippine-passport holders whp plan to travel to the Schengen area is required to have a travel insurance policy that fits the requirements in getting a Schengen visa.

Usually, travellers buy an individual travel insurance policy for their Schengen visa application covering the duration of their entire trip, including transit period and stay in the Schengen territory. Embassies like the Italian embassy require visa applicants add +15 days coverage period on top of the travel dates in the Schengen area. For example, if the duration of your trip is 30 days, you may need to have 45 days coverage in your travel insurance policy. 

Moreover, make sure that the insurance company you choose is accredited and accepted by the Schengen member-countries.

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Are you planning a European trip?

If you are planning to travel to EU, most likely you will need to apply for a Schengen visa. The European Union comprises mostly of Schengen-member countries. To enter any of this country, you need to secure a Schengen visa. Among the requirements for applying a Schengen visa is a travel insurance policy. Below are pieces of information regarding the Schengen agreement in the European region. 

What is Schengen?

The Schengen Agreement is a treaty between 26 European countries. It eliminates al internal border controls within them. The Schengen Visa is a special tourist visa for a number of European countries. Once you have a schengen visa, you may travel to any of the Schengen-member country continuously up to 90 days. A Schengen visa is only needed to travel among and within the 26 Schengen Member States. 

What are the countries within the Schengen region?

 

  • Austria 

  • Belgium

  • Czech Republic

  • Denmark

  • Estonia

  • Finland

  • France

  • Germany

  • Greece

  • Hungary

  • Iceland

  • Italy

  • Latvia

  • Liechtenstein

  • Lithuania

  • Luxembourg

  • Malta

  • Netherlands

  • Norway

  • Poland

  • Portugal

  • Slovakia

  • Slovenia

  • Spain

  • Sweden

  • Switzerland

How long can I stay in the mentioned countries above if I am granted a Schengen Visa?

The maximum period we can stay with a schengen visa is 90 consecutive days in a 6-month period. 

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Are we allowed to work or study with a Schengen Visa?

No, a Schengen Visa is only a tourist visa that can only accommodate travels for pleasure, tourism or business-related trips.

Do I really need travel insurance before I am granted a Schengen Visa?

Yes, one of the requirements in applying for Schengen Visa is travel insurance. Every tourist entering the Schengen region, including those coming from the Philippines should have a travel insurance policy with at least 30,000 Euros or Php 2.5 million of travel medical insurance coverage and should include coverage for medical evacuation and repatriation. The insurer should have affiliates in the European Union and must have the ability to pay cash-less, for in-patient cases.

How much would it cost me to buy travel insurance? 

Although there are plans with higher benefits, generally, if you are below 70 years old and will be staying in the Schengen area for less than two weeks, on the average, a Schengen travel insurance should cost you not more than Php 1,800 for a policy with a 15-day coverage.

Want to know your travel insurance options? 

 

Yes. Most of our travel insurance plans can be cancelled only if visa is denied. Premium you paid may be refunded. However, the taxes including documentary stamps are non-refundable. The insurance company would need proof of denial from embassy to process the cancellation. 

If the embassy declined my visa application, will I be able to cancel and refund my travel insurance?

 

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