Schengen Travel Insurance
Comprehensive coverage for travel to Schengen Area countries. Meet visa requirements and travel with peace of mind across Europe.
Overview
Schengen Area or Schengen States is a group of 26 countries in European Union that have agreed to remove border control between their mutual borders. For the purpose of international travel, Schengen Area is considered as a single country or jurisdiction. All Schengen States usually have uniform visa policy.
Thousands of travelers from Pakistan apply for Schengen visas every year in the relevant embassy in Pakistan. It is mandatory requirement of all Schengen embassies to have a valid travel insurance that covers entire stay of passenger while travelling. We provide travel insurance from authentic insurance companies which are honored and accepted by all Schengen embassies in Pakistan.
Currently, all Schengen Embassies in Pakistan require that each passenger must have a valid travel insurance that covers minimum EUR 30,000 or USD 50,000 emergency medical expenses. All our Schengen Insurance packages are compliant with this requirement.
Schengen travel insurance is a specific type of coverage required for travelers from Pakistan and many other countries when applying for a Schengen visa. The Schengen Area consists of 26 European countries that have abolished border controls, allowing you to travel seamlessly across these nations with a single visa. To obtain this visa, you must provide proof of Schengen travel insurance.
Why You Need Travel Insurance
- The Schengen states make it mandatory for visa applicants to have travel insurance to ensure adequate medical coverage, repatriation services, trip cancellation protection, and coverage for luggage and belongings.
- Medical treatment and hospitalization in Europe can be very expensive; a single emergency can cost thousands of euros.
- Consulates verify that your policy is valid for the exact dates of your trip and covers all Schengen countries.
- Without valid insurance, your Schengen visa application will be rejected.
Why Choose Our Coverage
Medical Coverage
Medical coverage provides financial protection for healthcare expenses in the event of illness, injury, or medical emergencies. Healthcare Expenses: Medical coverage typically includes the payment or reimbursement of medical expenses, which can encompass doctor's fees, hospitalization, surgeries, prescription medications, laboratory tests, and other necessary healthcare services. Emergency Medical Assistance: Many insurance policies that include medical coverage also provide access to emergency medical assistance, ensuring that policyholders can receive prompt and appropriate medical care when needed, even when traveling abroad. Peace of Mind: Medical coverage provides individuals and their families with peace of mind, knowing that they have financial support in case of unexpected health issues, reducing the financial burden associated with medical treatment.
Repatriation
Repatriation refers to the process of returning a person to their home country or place of residence. Emergency Evacuation: Repatriation often involves arranging and covering the costs of an emergency evacuation to transport an individual who is injured or seriously ill back to their home country for medical treatment when suitable healthcare is not available in the current location. Deceased Remains: In unfortunate cases of death during a trip or while residing in a foreign country, repatriation may include the transportation of the deceased person's remains to their home country, allowing them to be laid to rest in their place of choice. Logistical Support: Repatriation services handle all the logistical aspects, including obtaining necessary documentation, coordinating with medical facilities, and arranging transportation, ensuring a smooth and respectful return.
Trip Cancellation
Trip cancellation coverage is a feature in many insurance policies that provides financial protection when a policyholder needs to cancel a planned trip before it begins. Covered Reasons: Trip cancellation coverage applies when a trip has to be canceled for specific, covered reasons, such as sudden illness, injury, the death of a family member, natural disasters, or other unforeseen circumstances beyond the traveler's control. Reimbursement: With this coverage, the policyholder can often be reimbursed for non-refundable trip expenses, including airfare, hotel reservations, tour packages, and more, as long as the cancellation reason falls within the policy's terms and conditions. Financial Protection: Trip cancellation coverage offers peace of mind by protecting the financial investment in a trip.
Luggage and Belongings
Luggage and belongings coverage offers protection for a traveler's personal possessions during their journey. Coverage Scope: This coverage typically compensates travelers for the loss, theft, or damage of their luggage and personal belongings, which can include clothing, electronics, travel documents, and other valuables. Limits and Deductibles: Coverage often has predefined limits on the amount of reimbursement per item and per policy, as well as deductibles that the policyholder is responsible for before the coverage applies. Peace of Mind: This coverage provides peace of mind to travelers, knowing that they have financial protection against potential losses related to their personal belongings during their trip.
What's Covered
Emergency medical expenses
Doctor visits, hospital stays, surgery, and necessary medicines while in the Schengen Area. Minimum coverage of €30,000 or USD 50,000 as required by embassies.
Medical repatriation
Emergency evacuation to transport an individual who is injured or seriously ill back to Pakistan for medical treatment. Includes coordination with medical facilities and arranging transportation.
Trip cancellation & curtailment
Reimbursement for pre-paid, non-refundable trip costs if you cancel or cut short for covered reasons such as sudden illness, injury, or death of a family member.
Lost, stolen, or delayed baggage
Compensation for lost or delayed luggage and purchase of essential items. Coverage for theft or damage of personal belongings including electronics and valuables.
Travel delays & missed connections
Additional accommodation and necessary expenses if your flight or transport is seriously delayed.
24/7 emergency assistance
Round-the-clock multilingual support for medical referrals, cash advances, and coordination with hospitals and family back home.
Schengen Visa Insurance Requirements
- Minimum coverage of €30,000 or USD 50,000 for medical emergencies and repatriation.
- Valid for all 26 Schengen Area countries and the full duration of your stay.
- Policy must be purchased before you submit your visa application.
- Insurance should cover from the date of entry until the date of exit from the Schengen zone.
- Certificate must be accepted by all Schengen embassies in Pakistan.
Schengen Countries
Following is the list of Schengen Countries. Click a country to start booking and view our discounted rates. We offer up to 15% exclusive discount on Travel Insurance.
Travel Tips
- Buy your insurance as soon as you book your trip; some benefits (e.g. trip cancellation) apply from the date of purchase.
- Ensure the policy dates match your flight dates exactly—consulates may reject applications if there is a gap.
- Keep a printed copy of your certificate and the emergency assistance number with you while travelling.
- Check whether your destination requires COVID-19 or other specific coverage and confirm with your insurer.
- When choosing a policy, strike a balance between adequate coverage and affordability that meets Schengen visa requirements while staying within your budget.
Frequently Asked Questions
What is Schengen Travel Insurance?
Schengen travel insurance is a specific type of coverage required for travelers from Pakistan when applying for a Schengen visa. It covers medical emergencies, repatriation, trip cancellation, and lost baggage across all 26 Schengen countries.
Is Schengen travel insurance mandatory?
Yes. All Schengen visa applicants must provide proof of travel insurance that meets EU requirements with minimum coverage of €30,000 or USD 50,000. Without it, your visa application will not be processed.
How much coverage do I need for a Schengen visa?
The minimum required is €30,000 or USD 50,000 for medical emergencies and repatriation. All our Schengen policies meet or exceed this requirement and are accepted by all Schengen embassies in Pakistan.
Does it cover all Schengen countries?
Yes. One policy covers you in all 26 Schengen member states, so you can travel freely between countries without separate insurance.
When should I buy the insurance?
You should purchase the insurance before submitting your visa application. The certificate is required as part of your supporting documents. Buy as soon as you book your trip for maximum benefits.
Which countries are in the Schengen Area?
Austria, Belgium, Switzerland, Czech Republic, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Hungary, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Sweden, Slovenia, and Slovakia.