Buy Travel insurance for Schengen visa in UAE

What is Schengen Travel Insurance UAE?

Travel insurance for Schengen visa applicants is required by Schengen member countries. While travelling to any country in that zone from the UAE, you need a visa with a minimum medical coverage of EUR 30,000. Moreover, your policy must be valid throughout the travel period, irrespective of the Schengen countries you visit.

The benefits of insurance, however, are plenty. From medical cover to compensating you for a lost passport, the insurance policy covers multiple financial inconveniences.

Disclaimer: This is an informational piece. Coverages, exclusions, and riders for each plan differ. Read the policy wording carefully before buying a plan.

Compare Schengen Travel Insurance and Buy Plans via Policybazaar.ae

Policybazaar.ae is the best exclusive platform to find the best Schengen visa insurance in Dubai and other emirates. Simply follow the instructions given below and financially secure your trip:

1. Go to the travel insurance lead form
2. Provide your personal and travel details
3. Get personalised quotes based on the information provided
4. Compare the mentioned plans and read their policy wording
5. Buy and receive your policy document on the registered email ID, or access your policy via your Policybazaar.ae’s account

Wondering why people choose us?

• Top insurers have partnered with us
• A wide range of plans across providers to choose from
• Quick and easy insurance buying process
• Personalised expert assistance

Who Needs a Schengen Visa from the UAE?

UAE citizens or those who have a UAE passport can stay up to 90 days within a period of 180 days without a Schengen visa. On the other hand, UAE residents/foreign nationals must apply for a Schengen visa if their passport does not give them visa-free access to the area.

Travel Insurance for Schengen Visa - Key Features

While the specific details depend on the policy, you can understand the highlights of Schengen travel insurance uae:

Which are the Best Schengen Travel Insurance UAE Plans?

On Policybazaar.ae, you can find the top insurance plans in one place with us. This includes AXA travel insurance for Schengen visa, Dubai Insurance, GIG Gulf, and more:

Plan Name	Starting Premium*
Dubai Insurance Outbound Travel Enhanced	AED 37
AXA QIC Standard Traveler	AED 39
Watania Takaful Silver- Travel Insurance	AED 40
GIG Gulf (Previously AXA) Travel Schengen	AED 50
RAK Insurance Individual Prime- Schengen	AED 68

Note: The prices are as quoted on Policybazaar.ae. The above-mentioned plan premiums are exclusively based on a specific age (29 years), gender (male), number of policyholders (1), destination (Germany), and duration of visit (2 days). The plans and corresponding costs may change as per the details you enter.

What Does Travel Insurance for Schengen Visa Cover?

Here are the typical coverages in travel insurance for Schengen visa:

What are the Exclusions of Travel Insurance for Schengen Countries?

While the coverage varies between insurers, most Schengen insurance plans do not cover:

• Pre-existing medical conditions, unless specifically covered
• Travelling against medical advice
• Injuries caused by the influence of alcohol or drugs
• Self-inflicted injuries or attempted suicide
• Cosmetic or elective medical procedures
• Participation in hazardous or professional sports, unless an add-on is chosen
• Claims arising from illegal activities
• War, civil unrest, or terrorism (unless you’ve chosen an add-on)
• Travelling exclusively for medical treatment

Does Schengen Travel Insurance Provide Add-on Coverage?

Yes, many companies offer riders that you can buy for a minimal premium along with your basic travel insurance plan. Some of the common add-ons include:

• Adventure sports
• Terrorism extension
• Travel Smart Delay pass
• Winter sports extension
• Excess waiver
• Hazardous cover
• Business cover
• Golf extension

How to Claim Schengen Travel Insurance?

It’s always good to know the travel insurance claim process beforehand. This avoids unnecessary chaos at the time of claim. Here are general instructions on how to file a claim for your Schengen travel insurance:

Step 1: Inform Your Insurance Provider

Contact your insurer or emergency assistance provider as soon as possible after the incident.

Step 2: Seek Medical Treatment (If Required)

If it is a case of medical emergency, visit the nearest hospital or clinic. After the treatment, collect all medical reports, prescriptions, invoices, and payment receipts.

Step 3: Collect Supporting Documents

Depending on your claim, you may need the following:

• Your policy document
• Passport copy
• Visa copy
• Flight tickets
• Medical reports
• Hospital bills and payment receipts
• Police report (for theft, passport loss, or accidents)
• Airline documents (for baggage delay, trip cancellation, or flight delay)
• Any other documents requested by the insurer

Step 4: Submit the Claim

Complete the insurer's claim form with the correct details. Submit all supporting documents within the specified time mentioned in your policy.

Step 5: Claim Assessment

The insurer will verify the documents and evaluate your claim. Once approved, the claim amount will be settled according to the policy terms and conditions.

Points to Remember

• Notify the insurer immediately after an emergency
• Submit complete, accurate, and signed documents
• Keep original receipts and invoices with you
• Read policy wording carefully to understand coverage, exclusions, and other information
• Follow the claim submission timeline mentioned in your policy

List of Schengen Countries

How to Apply for a Schengen Visa from the UAE?

Find below the steps to successfully apply for a Schengen visa from the UAE:

1. Choose your visa type and start the application
2. Complete your application and schedule a visa appointment
3. Pay the Schengen visa application fee
4. Visit the consulate or embassy’s visa centre you chose for the visa interview
5. Submit all the documents and biometrics
6. Wait for the approval

Note: The visa centre at the embassy or consulate may take up to 10-15 days to process your visa application.

What are the Requirements for a Schengen Visa?

Although the exact Schengen requirements may vary as per the embassy or consulate, applicants generally need:

• A completed Schengen visa application form
• A passport valid for at least three months after your intended departure
• Recent passport-size photographs
• Valid Schengen travel insurance
• Confirmed return flight reservation
• Proof of accommodation
• Travel itinerary
• Proof of sufficient financial means
• Employment or business documents (if applicable)
• UAE residence visa with validity
• Payment of the applicable visa fee
• Additional supporting documents requested by the embassy

What are the Different Types of Schengen Visas?

Based on the purpose and duration of the stay, you can find several categorisations of Schengen visas:

• Type A Visa (Airport Transit Visa)

This visa lets you transit through the international zone of a Schengen airport without entering the country to a non-Schengen area. It becomes mandatory when changing flights in the Schengen zone without leaving the international or customs airport area.

• Type C Visa (Short-Stay or Tourist Visa)

This is the most common Schengen visa. It allows you to stay for up to 90 days within a 180-day period. This one is for purposes like business, tourism, family and friends visits, medical treatment, or studies.

• Type D Visa (National or Long-Stay Visa)

The Type D visa is for long-term stays exceeding 90 days for purposes such as employment, higher education, or family reunification. It applies only to a specific Schengen country, not the entire Schengen zone.

• Limited Territorial Validity (LTV) Visa

It allows entry only into the specific Schengen country or countries mentioned on the visa, rather than the entire Schengen Area.

Schengen Visa Categorisation Based on the Number of Visits

• Single-Entry Schengen Visa

This visa is issued only for one-time entry to the Schengen area. Once you leave, the visa expires, irrespective of its validity period. The number of entries mentioned on the visa sticker is 1.

• Double-Entry Schengen Visa

You can enter the Schengen area twice with a Double-entry Schengen visa. This means that after you depart from a Schengen country once, you can enter the Schengen zone for the second time, as long as the visa is valid. The visa sticker mentions “2”.

• Multiple-Entry Schengen Visa

This visa gives you unlimited entries to the Schengen zone during its validity. However, the 90/180 stay rule is applicable in this case. It means you cannot stay for more than 90 days with a 180-day period.

Schengen Travel Insurance FAQs

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