The Schengen Visa is likely one of the hardest visas to get, particularly for Filipino vacationers. The sheer variety of necessities alone could make any nervous applicant assume twice about pursuing their software. Some of them are fairly exhausting to safe, however there’s one merchandise that’s extremely straightforward to get on-line — journey insurance coverage.
Yes, a journey insurance coverage is required when making use of for a Schengen visa. And not simply any journey insurance coverage, it ought to meet the protection standards set by the embassies. In this text, we’ll stroll you thru the insurance coverage particulars it’s best to verify and easy methods to conveniently buy one on-line.
WHAT’S COVERED IN THIS GUIDE?
What journey insurance coverage is authorized for Schengen visa?
The journey insurance coverage coverage you should purchase and undergo any Schengen embassy should meet the next necessities:
- It will need to have protection of no less than EUR 30,000.
- It should be legitimate for all Schengen member states.
- It should cowl the complete length of the keep. (Note: some embassies just like the Italian Embassy requires a further 15-day protection past the journey dates.)
- It should embody medical therapy in case of accident or sickness (together with COVID-19)
- It should embody transportation residence for therapy in case of sickness or harm, or repatriation in case of dying
- It should enable cashless settlements of claims with the toll-free quantity indicated.
- The insurance coverage firm should be accredited and reinsured.
There are quite a lot of insurance coverage firms which might be accredited by Schengen embassies, however the one we tried in our most up-to-date visa software is PGA SOMPO, a three way partnership of the 2 of essentially the most trusted insurance coverage firms within the Philippines and Japan, which presents TravelJOY Plus.
TravelJOY Plus’s SUPREME plan is particularly designed for Schengen visa purposes, and that is what we availed of. It was one of many least expensive we discovered and undoubtedly the simplest to e book! (We paid for our coverage in full, and sure, our software was authorized.)
So when PGA SOMPO approached us for a characteristic, we mentioned sure instantly. Now, The Poor Traveler readers like you may get pleasure from a particular price whenever you e book on the PGA Sompo web site and use the promo code: WORTHIT.
How to Book Travel Insurance Online
1. Visit this web page.
The very first thing you’ll see is that this brief type:
Supply the next data:
- Trip kind (single or annual multi-trip): If you want a coverage for only one journey, choose SINGLE.
- Package: Pick INDIVIDUAL.
- Destinations: Enter ALL the international locations or territories that you simply intend to go to. The system will select the suitable plan for you, relying on the international locations you choose. For instance, for those who enter a rustic throughout the Schengen Zone, the system will mechanically current the SUPREME PLAN, which meets the Schengen visa necessities.
- Depart Date: the date you’re leaving your common residence for the journey.
- Return Date: the date you’ll arrive at your common residence after the journey.
- Number of Travelers: You can choose as much as 5 vacationers. If you’re a celebration of greater than 5, chances are you’ll e book one other batch.
- Promo/Product Code: Type WORTHIT to get an reasonably priced price.
Once the shape is crammed out, click on GET QUOTE.
2. Select the SUPREME plan.
If you entered a Schengen state within the earlier web page, you received’t have another alternative. It will mechanically give you the SUPREME Plan, the Schengen-accredited coverage. It’s what I submitted in my most up-to-date software.
Note: The price of the plan varies relying on how lengthy your journey is and what international locations you’ll be visiting.
If all the pieces is to your satisfaction, click on BUY NOW.
3. Accomplish the private data type.
Type your private particulars appropriately in the fitting discipline.
Under Applicant Details, kind in your data. If you’re a gaggle, just one wants to finish this half. Below it are the fields for the insured individuals, which might be as much as 5 vacationers. If you’re additionally touring, chances are you’ll simply tick the “Copy Applicant details to Insured Persons” button to mechanically duplicate your solutions and keep away from typing them another time.
Here are a number of the particulars wanted:
- full title
- delivery date
- contact quantity
- electronic mail handle
- nationality
- ID kind and quantity
In the underside part, enter the private particulars of your beneficiary. If you skip this, the system will think about “Succession of Law” by default.
Agree to the Terms and Conditions in addition to the Privacy Policy, and faucet CONTINUE.
4. Pay for the insurance coverage.
The subsequent web page will lead you to the PesoPay Payment Service, which is the official fee companion of PGA SOMPO. There are quite a lot of fee choices obtainable, particularly:
- GCash
- SeizePay
- Visa or MasterCard bank card or debit card
- BDO (over-the-counter)
- RCBC (over-the-counter)
- Bayad Center
- EC Pay
Tap on the emblem of your chosen fee methodology.
If by way of card, you’ll be required to enter your bank card or debit card particulars.
If by way of GCash, you’ll be required to log in to your GCash account.
Once fee is full, the display will present you a Transaction Result. Then click on CONTINUE. It will take you again to the PGA SOMPO web site with a abstract of your buy.
5. Keep a replica of your Confirmation of Cover.
Check the inbox of the e-mail handle you entered within the earlier web page. You ought to obtain a replica of the Confirmation of Cover (COC), much like this:
Save or print it out as wanted.
FREQUENTLY ASKED QUESTIONS
Is journey insurance coverage actually required when making use of for a Schengen visa?
YES. There’s no manner round it. You should have a journey insurance coverage. It is likely one of the most essential paperwork the embassies have to see.
What are the international locations that require a Schengen visa?
Austria
Belgium
Croatia
Czechia
Denmark
Estonia
Finland
France
Germany
Greece
Hungary
Iceland
Italy
Latvia Liechtenstein
Lithuania
Luxembourg
Malta
Netherlands
Norway
Poland
Portugal
Slovakia
Slovenia
Spain
Sweden
Switzerland
How many days ought to the journey insurance coverage cowl?
That is dependent upon how lengthy your journey will probably be. In most circumstances, the coverage ought to cowl the whole length of your journey, from the day you depart to the day you come back. But some embassies require further days. In our expertise, the Italian Embassy requires a further 15-day protection past your declared journey dates. We have been informed that the Swiss Embassy does the identical.
It’s finest to double verify with the respective embassy to make certain.
What is PGA SOMPO TravelJOY Plus? What are its advantages?
TravelJOY Plus is the journey insurance coverage provided by PGA SOMPO, a three way partnership of Prudential Guarantee and Assurance, the highest non-life insurance coverage firm within the Philippines, and SOMPO Holdings, a number one non-life insurance coverage firm in Japan. Both are identified for offering high-quality service.
Together, they put collectively TravelJoy, which can provide vacationers such as you reduction and compensation for untoward incidents like private accidents, medical emergencies, flight or baggage delays, journey cancellation, evacuation, lack of cash, and extra! COVID-19 protection can also be included!
How a lot is TravelJOY Plus?
One wonderful thing about TravelJOY Plus is its aggressive pricing. It is likely one of the most value-for-money journey insurance coverage merchandise on the market. The Schengen-accredited Supreme plan prices PHP 717 (1-4 days), and this additionally applies not simply to the international locations throughout the Schengen Zone but additionally the UK, Ireland, Turkey, and European Russia.
Here’s the complete value checklist. But simply in case there are price actions sooner or later, finest to go to this web page to get a extra up to date quote.
Is there a GROUP or FAMILY choice?
There was once a FAMILY choice, however it’s at the moment unavailable. In the meantime, chances are you’ll select INDIVIDUAL and choose the variety of pax that applies to you.
Why select TravelJOY Plus?
Aside from its aggressive costs, PGA SOMPO is a part of the SOMPO Group which is current in over 30 international locations all over the world. These SOMPO places of work worldwide can present vital help and assist ought to the time come that you simply want it.
How to contact PGA SOMPO in case one thing occurs?
The TravelJOY Plus Hotline is +632 8866 7388. It’s open 24/7.
Disclosure: This article is made attainable by means of collaboration with PGA SOMPO.
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