Insurance for Schengen Visa - FAQ

If you require a Schengen visa to travel to the Schengen area of Europe, then you are also required to have compliant Schengen visa insurance. Showing proof of this insurance is part of the visa application process, so it is not optional. Read the FAQ below to learn what you need to know about buying Schengen visa travel insurance. 

Do you have any insurance plans that meet the Schengen visa insurance requirements?

Yes, of course. We have several insurance products that fully meet the Schengen visa insurance requirements.

The consulate has specified strict requirements that all insurance must meet in order to be acceptable for a Schengen visa. Are you sure you know the requirements of Schengen visa insurance?

Yes, of course. We specialize in international travel medical insurance and we are well aware of Schengen visa insurance requirements.

Will I have any problem getting a Schengen visa if I buy your insurance plans?

You should not have any problem getting a Schengen visa with our Schengen visa insurance plans, as they meet all Schengen visa requirements. Of course, there are many factors that go into getting approved for a Schengen visa beyond just insurance. Check out the Schengen Visa section for complete details on Schengen visa.

The Consulate is looking for a visa letter in a specific format. Will you provide me with this letter, and how quickly can I get it?

Around 30 minutes after you purchase the insurance you will be able to download the visa letter from MyAccount for most plans.

How will the downloaded letter satisfy the consulate?

A downloaded letter is perfectly acceptable. We have been providing downloaded Schengen visa letters for many years and they are always accepted.

The consulate requires specific language in the letter. Before I buy the insurance, how I can make sure that your letter will be sufficient?

As the visa letters have been prepared by the insurance companies keeping the Schengen visa insurance requirements in mind, you can be assured that the letter you download will have the specific language required for Schengen visa insurance, such as mentioning emergency medical evacuation and medical coverage and repatriation of remains.

You can view sample visa letters in MyAccount.

I have heard that the consulate requires Schengen visa insurance with $0 deductible. Can I get that?

Official Schengen visa insurance does not have this requirement. However, if it is required, you can certainly buy insurance with a $0 deductible.

Custom Visa Letters

Please contact us if you require a custom Schengen visa letter, and allow at least two to three business days for processing the request. Please plan in advance.

I heard that the consulate requires that the visa letter must mention the coverage amounts in Euros and not in US dollars. Is it true?

There is no such requirement.

I heard that the consulate requires that the visa letter must mention the coverage amounts in words in addition to numbers. Is it true?

There is no such requirement.

I heard that the consulate requires that the visa letter must mention that the insurance company must have the claims processing office in the specific country I am visiting, for example Germany or France. Is it true?

There is no such requirement.

I heard that the German (or any other) consulate requires that the visa letter must be written in German (or any other) language. Is it true?

There is no such requirement. A visa letter in English is good enough.

I heard that the consulate requires that the visa letter must mention that the insurance company must guarantee that they will pay all the claims. Is it true?

There is no such requirement. No insurance company covers everything. All insurance companies cover according to the terms and conditions of the insurance policies and there are always certain exclusions.

I heard that the consulate requires that the visa letter must mention that the insurance company must guarantee that the doctors and hospitals will directly bill the insurance company and settle the claims directly. Is it true?

There is no such requirement.

The online application asked for a primary destination and I entered Germany. However, I am going to France and Italy as well and the visa letter does not mention anything about that. Do I need a letter mentioning each country I am visiting?

There is no such requirement.

Making Corrections

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 log into MyAccount and request a new visa letter.

If you can't wait that long, we suggest that you cancel the current policy by logging into MyAccount 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.

The online application asked for primary destination and I entered Germany. However, my plans have changed and I am going to apply to Italian consulate. Do I need to get a new visa letter?

Please log into MyAccount and make a change request to change the destination. Once destination is changed, you can download a new visa letter from MyAccount.

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