Going abroad? Protect your trip with travel insurance

Schengen Travel Insurance in the UAE

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Going abroad? Protect your trip with travel insurance

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Heavenly lavender fields and Eiffel tower, the leaning tower of Pisa, breakfast with coffee and croissants, and the surreal countryside, planning for a month-long vacation to Europe is a dream come true for most of us. But to get to Europe, you need to plan in advance since there are several documents to collect and formalities to take care of. One of these important things is Schengen travel insurance. A special visa – the Schengen Visa is required to travel to most European countries, also known as Schengen countries. Every traveler needs a special Schengen travel insurance plan first to get a Visa. Let’s break down what Schengen travel insurance in Dubai is, what makes it special, and all the other things you must know about it.

What is Schengen Travel Insurance in the UAE?

Schengen travel insurance is a type of travel insurance plan that offers international travel insurance coverage in all Schengen countries. Schengen travel insurance plans, no matter the provider, are designed as per the pre-requisite mandatory standards of travel insurance for tourists laid out by the authorities. This makes it mandatory for everyone going to Schengen countries on traveler’s or visitor’s Visa to have a proper Schengen travel insurance plan. A traveler can use the same Schengen travel insurance plan to travel to any of the 26 Schengen countries included in the group. The benefits provided in travel insurance coverage for Schengen Visa are almost identical to the benefits you receive in other international travel insurance plans.

Types of Schengen Travel Insurance Plans  

Travel insurance plans for Schengen countries can be divided into two basic parts based on the length and frequency of trips.

Single-trip Schengen Travel Insurance: As the name suggests, a single-trip Schengen travel insurance plan is designed for single trips only. It pairs with a Type C single-entry Schengen Visa. It can be bought as an individual plan for solo travelers, family travel insurance plans for families and groups of friends, and as a part of senior citizen plans.

Annual Multi-Trip Insurance: Ideal for people who travel frequently to Schengen countries, an annual multi-trip Schengen travel insurance covers all the trips you take within the tenure of the plan. The tenure is generally one year long. This type of travel insurance should be bought together with the Type C multiple-entry Schengen Visa. Again. The plan can be bought as an individual, family, and senior citizen plan.

Common Inclusions of Schengen Travel Insurance in the UAE

The inclusions and benefits can differ as per the comprehensiveness of the plan and the provider of your choice. Below are the most commonly included benefits in Schengen travel insurance in the UAE:

Travel Medical Insurance Benefits

  • Emergency medical treatment expenses – includes hospitalization, intensive care, daycare, and other medical services required
  • Accidental injury treatment expenses
  • Personal accident cover
  • Emergency medical evacuation
  • Emergency dental treatment
  • Repatriation expenses
  • Compassionate visit from a family member in case of illness or injury
  • Daily allowances for hospital

Trip Inconvenience Benefits

  • Trip cancellation or curtailment compensation
  • Flight delay benefit
  • Missed connection flights
  • Delayed or lost checked-in baggage
  • Theft of personal effects and money
  • Flight hijack compensation
  • Personal liability cover
  • Financial assistance
  • Lost travel documents like passport
  • Return trip for children in an emergency
  • Burglary cover for home country

Exclusions of Schengen Travel Insurance in the UAE

  • Treatment for pre-existing diseases
  • Treatment when traveling against the advice of a doctor
  • Trips taken solely for medical and treatment purposes
  • Cosmetic and fertility treatments as well as congenital anomalies
  • Damages incurred due to substance abuse – includes damages to property, injuries, and illnesses
  • Damages caused by wars or an act of war
  • Damages/injuries caused when involved in an unlawful activity
  • Treatment expenses related to normal pregnancies
  • Routine check-up expenses

Is Covid-19 Cover Offered in Schengen Travel Insurance in Dubai?

Most types of travel insurance plans now offer a specialized cover for Covid-19. Depending on your provider, your travel insurance coverage for Schengen Visa may also come with a Covid-19 cover. Typically, a Covid-19 travel insurance cover will activate when you are diagnosed positive with Covid-19 during your travels. Your insurance company will cover the cost of mandatory quarantine that comes after the positive test results up to a certain number of days. The coverage generally offered is for 7 days. However, it can differ from provider to provider. Mandatory quarantine upon arrival is not covered by Covid-19 travel insurance cover in Schengen travel insurance plans or any other kind of travel insurance for that matter.

Eligibility Criteria for Schengen Travel Insurance in Dubai

You do not have to clear a specific eligibility criterion to buy travel insurance coverage for Schengen Visa. Any resident or citizen older than 18 years can buy Schengen travel insurance in the UAE in their name. Children under the age of 18 years can be included as dependents in the plan of parents. Any child older than 30 days can be insured with Schengen travel insurance in Dubai. The buyer must be able to produce the required identity proof in the form of a passport, resident’s visa, and Emirates ID, as asked by the insurance company. Folks older than 65-70 years can buy Schengen travel insurance for senior citizens.

Why Would You Need Schengen Travel Insurance?

  • Fulfills Visa Requirements: Travel insurance for Schengen Visa helps ideally in fulfilling the legal. Mandatory requirements are set by the Schengen Visa authority. It is necessary to have proper travel insurance for Schengen Visa that meets all the requirements set by the Visa authority for traveler’s insurance.
  • Immediate Medical Cover in Emergencies: You get to have instant access to insurance-covered treatment in top network medical facilities around the Schengen countries. Without your travel insurance coverage for Schengen Visa, you would end up spending thousands of Euros on even the most trivial emergency medical care facilities.
  • Complete Baggage Cover: Losing your belongings while in a new country or during the flight itself can be a very unfortunate thing to happen during your vacation. Luckily, travel insurance for Schengen Visa offers due compensation for lost and delayed baggage so that you do not have to face additional losses or unplanned expenses during your trip.
  • Covid-19 Cover: In the light of the recent pandemic, it becomes necessary to have a Covid-19 cover before you leave the UAE. Your Schengen travel insurance plan will ensure that your quarantined stay is covered if you end up being diagnosed positive with Covid-19.
  • Travel Inconvenience Support: From theft to personal liability and trip curtailments, several things can happen when you are on your trip to the Schengen countries. Your travel insurance plan covers all unannounced inconveniences and offers smart compensation for them.
  • One Plan for Travels in Multiple Countries: The best thing about your travel insurance coverage for Schengen Visa is that one plan will cover you in every Schengen country that you visit during your trip. It is a one of a kind travel insurance and deserves the appreciation it gets.
  • Peace of Mind: Most of all, travel insurance, any type, and kind, offers great peace of mind. You are assured that not you and your family are protected during your trip but your possessions back home are also safe and sound.

Which Countries Are Included in the Schengen Group?

There are a total of 26 countries in the Schengen group of countries. This makes most of the European countries except for Ireland, Romania, Croatia, Cyprus and the countries that are going to be a part of the latter group. The included 26 Schengen countries are given below:

Austria

Denmark

France

Hungary

Latvia

Netherlands

Norway

Belgium

Estonia

Germany

Greece

Lithuania

Liechtenstein

Poland

The Czech Republic

Switzerland/td>

Slovakia

Sweden

Luxembourg

Spain

Slovenia

Finland

Malta

 

Italy

Portugal

Iceland

 

What are the Prerequisites for Schengen Travel Insurance in Dubai?

Travel insurance coverage for Schengen Visa is required to have an assured sum of at least 30,000 Euros. It must cover all kinds of medical emergencies, repatriation expenses, and accidental treatment and hospitalization costs. The validity of the plan must match the length of your trip in Schengen countries. Every available Schengen travel insurance in Dubai comes with a minimum of the aforementioned benefits. The better, more comprehensive plans will have the higher assured sum and other travel inconvenience benefits as well.

Schengen Travel Insurance FAQs

Q1. Is Schengen insurance available for work trips?

Ans. Yes, Schengen travel insurance plans can be bought as business travel insurance plans as well.

Q2. Can I cancel my travel insurance coverage for Schengen Visa and get a refund if my Visa application gets refused?

Ans. Yes, most travel insurance companies allow you to cancel your travel insurance coverage for Schengen Visa if your Visa application gets rejected. You also get a refund since the trip has not begun yet.

Q3. Is Schengen travel insurance available for both individual travelers and groups like family and friends?

Ans. Yes, you can buy Schengen travel insurance as both individual and family travel insurance. The availability of the plan variations can depend on the provider you choose.

Q4. Do I have to buy a separate Schengen travel insurance plan for senior citizens?

Ans. Yes, senior citizens, mostly over the age of 65, would be required to buy a separate Schengen travel insurance plan. They can not be included in a family Schengen travel insurance plan.

Q5. How can I claim my travel insurance coverage for Schengen Visa?

Ans. Contact the insurance provider when faced with an inconvenience. The concerned representative will initiate a claim request and inform you about the steps to be followed next and documents to be collected. Prepare the claim form and documents to submit an official claim request online or offline.

Q6. Do I need a travel insurance certificate to get Schengen Visa?

Ans. Yes, a travel insurance certificate or proof of travel insurance is a mandatory document to get your Schengen Visa. Ask your insurance company to provide you with the certificate when you finalize your purchase.

Q7. Can my Schengen travel insurance plan cover me in countries that are not a part of the Schengen group?

Ans. Generally, travel insurance coverage for Schengen Visa only covers you in the Schengen group of countries.

Q8. What does Schengen travel insurance cost in the UAE?

Ans. Schengen travel insurance costs can differ as per the plan benefits and the provider that you have chosen. However, the starting Schengen travel insurance cost in Dubai can be anywhere between AED 40 to AED 50 on a per-day basis.