Buy Schengen Travel Insurance in UAE

Best Travel Insurance for Schengen Visa

Going abroad? Protect your trip with travel insurance
  • Traveling to the UAE
  • Traveling out of UAE
Accidental Death coverage
Accidental Death coverage
Emergency Medical Expenses Coverage
Emergency Medical Expenses Coverage
Loss of Baggage coverage
Loss of Baggage coverage
Trip Cancellation Cover
Trip Cancellation Cover

Travel across the Schengen countries without the worry of incurring any emergency medical expense, trip cancellation or baggage luggage loss at the airport. Schengen Travel Insurance has got you covered as you travel across 26 European countries. You can enjoy the scenic views of the Eiffel Tower, The Leaning Tower of Pisa, and the surreal countryside without the worry of unforeseen events during the trip. The best part is that people with Schengen Travel Insurance usually get Schengen Visa earlier than those who do not have one. The following article offers insights about the Travel Insurance for Schengen visa in Dubai, the benefits of the insurance, and the types of Schengen Travel Insurance UAE plans.

What is Schengen Travel Insurance UAE

Schengen travel insurance is a type of travel insurance online plan that offers international travel insurance for Schengen visa 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 for Schengen Visa are almost identical to the benefits you receive in other international travel insurance plans.

Schengen Travel Insurance – Insights

Number of Countries Covered

26 European Countries

Eligibility Criteria

UAE residents or citizens 30 days to 65-70 years old

Schengen Tourist Visa Duration 

90 days 

Major Benefits Included in the Plan 

Emergency medical expenses, trip cancellation and curtailment, baggage loss or delay, travel document loss, personal belongings theft covers

Minimum Sum Insured Required for Schengen Travel Insurance

30,000 euros 

Mandatory Status 


Covid-19 Cover Benefit

Available with most providers 

Automated Policy Extensions 

Available at the discretion of the provider

Claim Procedures 

Both online and offline 


Types of Schengen Travel Insurance Plans  

Travel insurance for Schengen visa 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 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, annual multi-trip 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.

Travel Insurance by Age Group 
Travel Insurance for over 65 Travel Insurance for over 70 Travel Insurance for over 75

Common Inclusions of Schengen Travel Insurance 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 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

Best Travel Insurance for Schengen Visa UAE

Here is a comprehensive list of cheapest Schengen travel insurance UAE

Plan Name  Medical Cover Max Duration Starting from Price
Alliance Insurance AED 150,000 90 days/trip AED 33
Orient Insurance AED 150,000 92 days/trip AED 183
See More Plans >>

Exclusions of Schengen Travel Insurance 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
Does Travel Insurance cover Pregnancy?

Schengen Visa: Procedure and Documents Required

UAE citizens holding a valid UAE passport are not required to get a Schengen visa to travel to Europe and other Schengen countries. Without obtaining a visa, UAE passport holders can enter the Schengen countries and stay there for up to 90 days. However, a Schengen visa is required for UAE residents and ex-pats. Given below is the complete procedure to obtain the Schengen visa for UAE residents: 

  • Collect the visa application form and fill it out. Print two copies of the form, fill them both and sign them properly at the required spaces. 
  • Check with an embassy or a travel consultant to find out which Schengen country would need to give you a visa, as the visa centre or embassy you will be required to visit will depend on the country you pick. 
  • Schedule an appointment with the visa centre in the UAE. Take your visa form and carry other required documents when you go for your appointment.
  • An interview will be conducted at the visa centre. Submit all the required documents and wait for the response. 
  • You will get a notification once your application has been processed and approved. 
UAE Family Residence Visa – Requirements, Costs

Documents Required

The application form – duly filled out and signed. 

Passport – Have your valid passport ready. The passport must not be more than 10 years old, and its validity must extend at least 3 months from your date of departure from Schengen countries. 

Photographs – Keep two passport size photographs ready as well. The photographs must not be older than 3 months and should have a bright coloured background.

Proof of Residence – A valid proof of residence in the UAE extending at least 3 months beyond your departure date from Schengen countries 

Flight Itinerary – Documented proof for travel flight tickets to and from the Schengen area, and proof of accommodation in the area

Cover Letter – A cover letter explaining your reason to visit the Schengen countries is also required

Proof of financial means showing that you can support yourself in the Schengen area 

Schengen Travel Insurance – Policy documents of your Schengen travel insurance 

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

Most types of Schengen travel insurance dubai plans now offer a specialized cover for Covid-19. Depending on your provider, your travel insurance for Schengen Visa may also come with a Covid-19 cover. Typically, a Covid-19 Schengen travel insurance Dubai 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 Dubai plans or any other kind of travel insurance for that matter.

Best Travel Insurance for Schengen Visa UAE

AXA Travel Insurance AIG Travel Insurance Allianz Travel Insurance Adamjee Travel Insurance Oman Travel Insurance
Emirates Travel Insurance Orient Travel Insurance RSA Travel Insurance Union Travel Insurance  

Eligibility Criteria for Schengen Travel Insurance in Dubai

You do not have to clear a specific eligibility criterion to buy travel insurance for Schengen Visa. Any resident or citizen older than 18 years can buy Schengen travel insurance 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 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 Dubai 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 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:















The Czech Republic














What are the Prerequisites for Schengen Travel Insurance in Dubai?

Travel insurance 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.


Types of Schengen Visa

Schengen visas can be categorised into several types as per the allowed number of entries and purpose of visit. The major types of Schengen Visas can be further divided into two levels of sub-categories. Given below is a complete guide for the classification system of Schengen Visas:

Types of Schengen Visas as Per Number of Entries Allowed

Uniform Schengen Visa

A Uniform Schengen Visa allows the holder to reside in a Schengen area for a maximum of 90 days. It can be obtained from any one of the Schengen countries or group members. As per the types of entry system allowed, a Uniform Schengen Visa can be further categorised into 3 types. Given below is a brief description of each kind of Uniform Schengen Visa:

Single-Entry Visa: As the term suggests, the holder of this Schengen visa can enter the Schengen area only once. Upon exit, the holder cannot return to the Schengen area on the same visa. One should note that this applies even when you haven’t completed the number of allowed days on your single-entry visa. 

Double-Entry Visa: The only difference between single and double-entry Schengen visas is that one allows single entry, while the other allows you to go into the Schengen area twice. However, the total number of days allowed in the Schengen area remains unchanged. 

Multiple-entry Visa: As evident from the title, holders of this visa are allowed multiple entries in the Schengen area. The visa holders cannot stay any more than 90 days within the 6-month duration allowed. This rule stays in place for all kinds of Schengen visas. Multiple-entry visas can be obtained across three different kinds of visas – 1 year, 3 years, and 5 years – as explained below:

1 Year Multiple-Entry Visa: You must have obtained at least 3 Schengen visas in the past 2 years and used them lawfully to get a 1-year validity multiple-entry visa. 

3 Year Multiple-Entry Visa: You must have used a 1-year multiple-entry visa to get a 3-year multiple-entry visa. 

5 Year Multiple-Entry Visa: You must have used any of the other two multiple-entry visas for 2 years in total in the past 3 years. 

Limited Territory Validity Visa

A limited territory visa allows you to enter only the Schengen countries mentioned on the visa. Unlike a uniform Schengen visa, you are not allowed to visit any Schengen country besides the mentioned one with a limited territorial validity visa. This visa is generally issued as an exception on humanitarian grounds. For instance, people travelling for a special authorised purpose without complete travel documents may get this visa. The holder of this Schengen visa is only allowed to visit or even transit through Schengen countries listed as the first and last destinations on the visa. 

National Visas

The national Schengen visa is a type of permanent resident visa for Schengen countries. This visa is given to people looking to move to a Schengen country for work or study purposes. A national visa can be granted as either a single or multiple-entry visa, depending on the applicant’s needs. For example, a single entry national Schengen visa may be granted to people who need to visit a Schengen area for medical treatment. 

Schengen Visas as Per the Purpose of Travel 

Airport Transit Visa: If you need to travel through the Schengen area to get to another country

Transit Visa: People who need to stop in the Schengen area and move ahead via the sea 

Tourist Visa: For people who are coming to the Schengen area on a vacation — it allows the holder to visit any of the Schengen countries 

Family or Friend Visit Visa: For people visiting family or friends legally residing in the Schengen area

Business Visa: For people travelling for work and business reasons 

Official Visit Visa: For people travelling for delegation-related purposes

Medical or Treatment Visa: For people requiring visas specifically to seek medical treatment in the Schengen area

Study Visa: For students ready to be admitted to one of the universities in the Schengen area

Cultural, Sport, or Other Event-Related Visa: For performers and other people who are a part of events in the Schengen area — if someone is a part of an event in the Schengen area but does not live there, they can obtain this visa for their visit. 

The Temperature in Schengen Countries





March – May

Low – 5° C

High – 14° C


June – August 

Low – 14° C

High – 24° C


September – November 

Low – 7° C

High – 14° C


December – February

Low – 0° C

High – 5° C

Best Time to Visit Schengen Countries

The Autumn season in the Schengen area gets more tourists than any other time of the year. The weather is pleasantly cold, and slight precipitation also graces the area with its presence. For people living in the UAE, the autumn season is one of the best possible times to visit Schengen countries like Belgium, Sweden, Netherlands, etc. Autumn is also the busiest season for countries like Italy and Spain. Just keep in mind the heavy crowds if you plan to visit these countries. 

On the other hand, if cold weather is your forte, visiting Iceland in summer will be a wonderful experience. This Viking country is filled with geological marvels and will certainly deliver a few surprises in culture, festivals, events, and cuisines. Winters in Schengen countries like Poland and Iceland, while especially cold, are definitely worth a visit. The temperature is almost always at 0°C or lower, with an icy blue blanket covering everything. 

Ideal Ways to Travel in Schengen Countries

Trains are a rather popular way to go around Schengen countries. Such exquisite train rides are perfect to get yourself acquainted with the raw beauty of Schengen countries. Additionally, most day-trip spots like Bruges, Antwerp, and Ghent are easily accessible via train. As an added advantage, public transportation will not only help you save extra cash on the trip but also relieve you from the pressure of driving on vacation. If you are in a country like Greece, consider taking ferry rides in addition to trains, as you will find it relaxing to spend your vacation days in the open calm waters. 

Bikes are also favoured when it comes to travelling in the Netherlands. You will see plenty of people cruising down the streets on their bikes. Meanwhile, if you are in Germany, buses, trains, and flights are all viable modes of transportation, and you can pick one as per your budget. 

In countries like Hungary, Austria and the Czech Republic, travelling via buses is generally considered the most suitable. In the end, you can pick any mode of transportation that suits your requirements and preferences the best, regardless of its popularity in the area. 

Things to Do in Schengen Countries

Given that you will only get a maximum of 90 days to spend in the Schengen area within any given period of 6 months, visiting all 26 Schengen countries is unrealistic. However, a few common Schengen destinations can be found on every list of favourites. Given below are a few exciting things you can do in some of the most popular Schengen countries among tourists:

Italy: Ancient Rome, Tuscan Hill towns, Lake Como tours, skiing on the Dolomites, listening to Opera, and visiting the infamous Colosseum are a few things you can consider adding to your to-do list. 

France: Home to the infamous Eiffel Tower, the Palace of Versailles, and the Notre Dame, France is easily one of the most-visited places in the world. Plan your trip to France around the glorious castles, historical monuments, and numerous beautiful restaurants and cafés. 

Iceland: When it comes to an out-of-the-world luxury experience, Iceland is surely among the top of the list any day of the year. A wonder to witness in any season, Iceland offers plenty of adventure activities, luxury-laden dips in hot springs, world-famous concerts and parties, and a glimpse of the Viking history and culture. You can include one element from each available variant to sculpt a fabulous trip. 

Germany: You can consider visiting beautiful castles of Germany, gardens, museums showcasing both historical and modern wonders, Berchtesgaden National Park, the famous cathedrals in the country. 

Spain: If UNESCO world heritage sites appeal to you, Spain has a lot in store for your travel. Besides fascinating museums, fun festivals, gardens, and castles, there are over 40 UNESCO world heritage sites in the country. Prepare your itinerary keeping every important tourist attraction in mind. 

Schengen Travel Insurance FAQs

Is Schengen insurance available for work trips?

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

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

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

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

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.

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

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.

How can I claim my travel insurance for Schengen Visa?

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.

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

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.

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

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

What does Schengen travel insurance UAE cost ?

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.

Reviews & Ratings

4.6 / 5 (based on   15,000 +google icon reviews)
More From Travel Insurance