Travel Insurance For Schengen, Dubai Visa etc. Apply – Covid-19

Travel Insurance For Schengen, Dubai Visa, and Others – Apply. Covid-19 Trips (Coronavirus)

Travel insurance for Schengen, Dubai visa, and other countries is now essential for any trip/travel.

If you are traveling to any of the Schengen countries listed below, be it leisure or business, you need to provide proof of adequate medical travel insurance coverage at the time of visa application and after. The same applies when traveling to Dubai and other countries. Due to the novel Coronavirus (Covid19), every applicant may need to show travel insurance and PCR test, at the port of entry or before boarding a flight. Click here to apply for travel insurance.

One travel insurance covers your stay in all 26 Schengen states. Subsequently, we will show you the list of Schengen states your travel insurance cover below.

What Does Travel Insurance Cover?

We will show why you must book travel insurance before you take that trip and the extra value you get when you book with us.

Flight cancellation / Interruption

Travel insurance aims at dealing with all the contingencies that you might face during the course of travel. Flight delays and flight cancellations are such scenarios wherein your travel itinerary may get hampered. For flight cancellation, usually, the cancellation has to be due to a valid reason such as weather disturbances, terrorism activity, or natural disaster.

When your trip is interrupted after you’ve left for a covered reason, your travel insurance can reimburse the unused portion of your prepaid expenses, excluding any refunds you receive. Additionally, if your trip is interrupted for a covered reason, reasonable transportation expenses to get you to your original destination via alternative means can be claimed for as well. Finally, in the unfortunate scenario that a traveling companion is hospitalized, a maximum of $100 per day for up to five days may be reimbursed for additional accommodation and transportation expenses.

Baggage Loss/Damage Delay

If your baggage is lost, damaged, or stolen while you’re traveling, travel insurance can reimburse you for the actual price, actual cash value, repair, or replacement. However, this is based on the limits in your insurance policy’s letter of confirmation. To be eligible for this benefit, you must take reasonable steps to keep your baggage safe and recover it, as well as file a report with the appropriate authorities with all the needed details outlined in your policy.

When your baggage is delayed by a common carrier, hotel or tour operator for 12
hours or more, travel insurance can reimburse you for reasonable essential items up to the specific policy’s limit until your baggage arrives. If your plan includes SmartBenefitsSM, you can opt to receive a fixed inconvenience payment of $100 per insured person, per day, for a covered baggage delay (up to the maximum no-receipts limit). No receipts required — just proof of a covered delay.

Air Ticket Change Fees

If you have to change the dates on your airline ticket for a covered reason, travel insurance can reimburse you for the fees charged by the airline to change these dates up to the benefit limit described in your plan’s letter of confirmation. (Covered reasons include having your trip canceled or interrupted for a covered reason listed — with the exception of cessation of operations — or because you or a traveling companion are delayed by severe weather on the way to your flight as long as you allowed enough time to board your flight as scheduled).

Benefits you get when you apply with us

  • Emergency Medical & Associated Expenses
  • Medical Evacuation
  • Emergency Family Travel
  • Repatriation of remains
  • Dental
  • Transportation and accommodation expenses in case you are hospitalized for more than 5 days
  • Accommodation expenses of close relatives or traveling companions (in case of hospitalization over 48 hours)
  • Loss of Travel Documents including Passport
  • Loss of Personal Money
  • Baggage Delay
  • Baggage Loss
  • Missed Departure / Missed Connection
  • Trip Delay
  • Legal expenses
  • Bail Bond
  • Travels Assistance services

Travel Insurance For Schengen Visa

Travel insurance for Schengen visa is mandatory to everyone traveling temporarily to Europe from a country that is subject to visa requirements. Be it an individual visitors or group visitors, tourists, or business travelers, valid travel insurance for Schengen visa is essential and part of your supporting documents in the Schengen area. Click here to apply for Schengen travel insurance.

Extract from “Regulation (EC) No 810/2009 of the European Parliament and of the Council of 13 July 2009”, which entered into force on April 5 of 2010:

“… Applicants for a uniform visa for one or two entries shall prove that they are in possession of adequate and valid travel medical insurance to cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death, during their stay(s) on the territory of the Member States.
The insurance shall be valid throughout the territory of the Schengen Area Member States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30,000”.

One travel insurance covers for all the Schengen area you visit. So, what are the Schengen area or countries your insurance covers for? See the details below.

Schengen Area includes the following 26 European countries

Austria Hungary Norway
Belgium Iceland Poland
Czech Republic Italy Portugal
Denmark Latvia Slovakia
Estonia Liechtenstein Slovenia
Finland Lithuania Spain
France Luxembourg Sweden
Germany Malta Switzerland
Greece Netherlands


Nationals required to purchase travel insurance for Schengen visa

Nationals of the following countries need to buy travel insurance in order to be able to apply for a Schengen visa.

Afghanistan Gabon Oman
Algeria Gambia Pakistan
Angola Ghana Papua New Guinea
Armenia Guinea Palestinian Authority
Azerbaijan Guinea-Bissau Philippines
Bahrain Guyana Qatar
Bangladesh Haiti Russia
Belarus India Rwanda
Belize Indonesia Sao Tome And Principe
Benin Iran Saudi Arabia
Bhutan Iraq Senegal
Bolivia Jamaica Sierra Leone
Botswana Jordan Somalia
Burkina Faso Kazakhstan South Africa
Burma/Myanmar Kenya South Sudan
Burundi Kosovo Sri Lanka
Cambodia Kuwait Sudan
Cameroon Kyrgyzstan Suriname
Cape Verde Laos Swaziland
Central African Republic Lebanon Syria
Chad Lesotho Tajikistan
China Liberia Tanzania
Comoros Libya Thailand
Congo Madagascar Timor-Leste
Cote D’ivoire Malawi Togo
Cuba Maldives Tonga
Dem. Rep. Of Congo Mali Tunisia
Djibouti Mauritania Turkey
Dominican Republic Mongolia Turkmenistan
Ecuador Morocco Uganda
Egypt Mozambique Uzbekistan
Equatorial Guinea Namibia Vietnam
Eritrea Nepal Yemen
Ethiopia Niger Zambia
Fiji Nigeria Zimbabwe
North Korea Northern Mariana’s


Travel Insurance For Dubai Visa / Trip

When traveling to Dubai, a copy of your travel insurance is essential for your trip. The UAE immigration has put some things in place regarding the new Dubai visa requirements for Covid19 policies.

You need to purchase Travel Insurance for Dubai visa if you intend to visit the country even for a day. This is mandatory as the Dubai authority has made this requirement a part of your documents when visiting the UAE.

In conclusion, all nationals irrespective of the visa category, are required to get valid travel insurance for their trip.

Click here to apply for your travel insurance for Dubai visa here.

This post is about Schengen travel insurance and Dubai travel insurance.

Also read: Spain visa for Nigeria


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