Schengen Visa Insurance FAQ

Many of our customers are stressed over Schengen visa insurance and don't want to take any chance. They hear all sorts of rumors from everywhere regarding what exactly is required in the Schengen visa letter and many of them are not really true. Many customers even try to convince us that those requirements are actually imposed by a particular consulate, and in most cases, there is no truth to it. We will try to clarify some of those doubts.

In any case, if you are very sure or adamant about any such requirements, please contact us, and we would be glad to look into it to see whether a custom letter can be prepared. Please allow at least two to three business days for processing such requests. If you call late in the evening and your appointment is on the next day at 8 o'clock in the morning, we can't get such custom letters prepared immediately. The department that would prepare such letters would be closed at that time, and requests are processed in the order they are received. We understand that you are in a hurry, just like many others ahead of you. Please plan in advance.

A: There is no such requirement. It is not up to the specific insurance company whether the specific doctor or hospital in a European country will accept the insurance and bill the insurance company directly, but it is up to that provider. The concept of PPO network, provider directory and direct billing is prevalent in the U.S., but practically unheard of in European countries. Many of the countries in Europe have socialized (government managed) healthcare systems and many providers may not be used to working with the insurance companies and may not have knowledge or know the procedures about dealing with insurance company. Therefore, no matter which insurance plan you buy from any insurance company, it is finally up to the healthcare system of that particular country regarding how the claims would work out. Insurance companies can't really control that or change the healthcare system in a given country.

A: There is no such requirement. All Schengen visa insurance plans cover anywhere outside the home country (whether the U.S. is covered or not depends upon the specific plan you purchase.) If you entered Germany as your primary destination, it is mentioned specifically for visa letter purposes to show it to the German consulate. However, that does not mean you are not covered in France or Italy. You don't need a separate visa letter mentioning all the countries.

As most people are buying Schengen visa insurance in order to get the Schengen visa, it is possible that their plans change and their travel dates change or simply a correction needs to be made in the information provided at the time of application and/or in the visa letter. Please note that making such corrections is not instant. Please allow one to two business days for such corrections.

Please send an email to our requesting a new visa letter. Please make sure to mention your certificate number.

If you can't wait that long, we suggest that you cancel the current policy by sending an email to our requesting the cancellation. Please make sure to mention your certificate number. And buy a new one on this web site. Please don't wait for your money to be refunded before you buy the new one because cancellation is a manual process and it may take up to three weeks to get the refund.

Important disclaimer: Please note that we have tried to answer the questions to the best of our knowledge. We make no guarantee of the accuracy of these answers, as actual answers may change from time to time as insurance companies change their policies or because of any other reason. We will not be liable in any case, for any problem arising out of reading these questions and answers. Please use this information at your own risk.