If you’re applying for a Schengen visa, one of the mandatory requirements is obtaining travel insurance that meets specific criteria set by the Schengen member states. Here’s a step-by-step guide on how to get travel insurance for your Schengen visa application.
Step 1: Understand the Schengen Visa Insurance Requirements
To be accepted for a Schengen visa, your travel insurance must:
- Have a minimum coverage of €30,000 for medical expenses, including hospitalization and repatriation.
- Be valid in all 27 Schengen countries.
- Cover the entire duration of your stay in the Schengen Area.
- Include coverage for medical emergencies, accidents, and repatriation of remains.
- Be issued by a recognized and approved insurance provider.
Step 2: Compare Travel Insurance Providers
Many international and local insurance companies offer Schengen visa-compliant policies. Some top providers include:
- Allianz (Allianz Nigeria)
- AXA Assistance
- Leadway Assurance
- VFS Global Insurance Services
- Europ Assistance
- MondialCare
Step 3: Choose the Right Policy
When selecting a travel insurance policy, consider:
- The duration of your trip (single-entry, multiple-entry, or long-term stays).
- Coverage for COVID-19-related medical expenses (if required by some embassies).
- Additional benefits like trip cancellations, lost baggage, and travel delays (optional but useful).
- Whether the insurance provider is recognized by the Schengen embassies.
Step 4: Purchase Your Travel Insurance
Most insurance providers allow you to purchase travel insurance online. To buy a policy:
- Visit the insurance provider’s website.
- Enter your personal details, trip duration, and travel destinations.
- Choose the coverage plan that meets the Schengen visa requirements.
- Make the payment using a credit card, debit card, or bank transfer.
- Receive the insurance policy document via email (print a copy for your visa application).
Step 5: Attach the Insurance Certificate to Your Visa Application
After purchasing your travel insurance, print the policy certificate and attach it to your visa application. The document should clearly show:
- Your full name (matching your passport).
- The coverage amount (minimum €30,000).
- The validity period (matching your travel dates).
- The list of covered Schengen countries.
Step 6: Submit Your Application
Submit your visa application, including your travel insurance policy, to the respective Schengen embassy, consulate, or visa application center (e.g., VFS Global).
Step 7: Extend or Cancel Your Policy if Needed
- If your visa application is rejected, most insurers allow you to cancel the policy and request a refund.
- If your trip is extended, you may need to extend your insurance policy to cover the new dates.
