The Schengen Visa is likely one of the hardest visas to get, particularly for Filipino vacationers. The sheer variety of necessities alone could make any nervous applicant assume twice about pursuing their utility. A few of them are fairly exhausting to safe, however there’s one merchandise that’s extremely straightforward to get on-line — journey insurance coverage.
Sure, a journey insurance coverage is required when making use of for a Schengen visa. And never simply any journey insurance coverage, it ought to meet the protection standards set by the embassies. On this article, we’ll stroll you thru the insurance coverage particulars it’s best to verify and conveniently buy one on-line.
WHAT’S COVERED IN THIS GUIDE?
What journey insurance coverage is authorised for Schengen visa?
The journey insurance coverage coverage you can purchase and undergo any Schengen embassy should meet the next necessities:
- It will need to have protection of at the very least EUR 30,000.
- It should be legitimate for all Schengen member states.
- It should cowl the complete period of the keep. (Notice: some embassies just like the Italian Embassy requires a further 15-day protection past the journey dates.)
- It should embody medical remedy in case of accident or sickness (together with COVID-19)
- It should embody transportation dwelling for remedy in case of sickness or harm, or repatriation in case of loss of life
- It should enable cashless settlements of claims with the toll-free quantity indicated.
- The insurance coverage firm should be accredited and reinsured.
There are a selection of insurance coverage corporations which are accredited by Schengen embassies, however the one we tried in our most up-to-date visa utility is PGA SOMPO, a three way partnership of the 2 of probably the most trusted insurance coverage corporations within the Philippines and Japan, which presents TravelJOY Plus.
TravelJOY Plus’s SUPREME plan is particularly designed for Schengen visa functions, and that is what we availed of. It was one of many least expensive we discovered and undoubtedly the best to e book! (We paid for our coverage in full, and sure, our utility was authorised.)
So when PGA SOMPO approached us for a function, we mentioned sure instantly. Now, The Poor Traveler readers like you possibly can get pleasure from a particular fee while you e book on the PGA Sompo web site and use the promo code: WORTHIT.
How you can E book Journey Insurance coverage On-line
1. Go to this web page.
The very first thing you’ll see is that this quick type:
Provide the next data:
- Journey kind (single or annual multi-trip): In case you want a coverage for only one journey, choose SINGLE.
- Bundle: Decide INDIVIDUAL.
- Locations: Enter ALL the international locations or territories that you just intend to go to. The system will select the suitable plan for you, relying on the international locations you choose. For instance, should you enter a rustic throughout the Schengen Zone, the system will robotically current the SUPREME PLAN, which meets the Schengen visa necessities.
- Depart Date: the date you’re leaving your common residence for the journey.
- Return Date: the date you’ll arrive at your common residence after the journey.
- Variety of Vacationers: You may choose as much as 5 vacationers. In case you’re a celebration of greater than 5, chances are you’ll e book one other batch.
- Promo/Product Code: Kind WORTHIT to get an reasonably priced fee.
As soon as the shape is crammed out, click on GET QUOTE.
2. Choose the SUPREME plan.
In case you entered a Schengen state within the earlier web page, you gained’t have another selection. It should robotically give you the SUPREME Plan, the Schengen-accredited coverage. It’s what I submitted in my most up-to-date utility.
Notice: The price of the plan varies relying on how lengthy your journey is and what international locations you may be visiting.
If every thing is to your satisfaction, click on BUY NOW.
3. Accomplish the non-public data type.
Kind your private particulars accurately in the suitable discipline.
Below Applicant Particulars, kind in your data. In case you’re a bunch, just one wants to finish this half. Beneath it are the fields for the insured individuals, which may be as much as 5 vacationers. In case you’re additionally touring, chances are you’ll simply tick the “Copy Applicant particulars to Insured Individuals” button to robotically duplicate your solutions and keep away from typing them yet again.
Listed below are a number of the particulars wanted:
- full identify
- delivery date
- contact quantity
- electronic mail handle
- ID kind and quantity
Within the backside part, enter the non-public particulars of your beneficiary. In case you skip this, the system will think about “Succession of Regulation” by default.
Comply with the Phrases and Circumstances in addition to the Privateness Coverage, and faucet CONTINUE.
4. Pay for the insurance coverage.
The subsequent web page will lead you to the PesoPay Cost Service, which is the official cost accomplice of PGA SOMPO. There are a selection of cost choices out there, particularly:
- Visa or MasterCard bank card or debit card
- BDO (over-the-counter)
- RCBC (over-the-counter)
- Bayad Middle
- EC Pay
Faucet on the emblem of your chosen cost methodology.
If through card, you’ll be required to enter your bank card or debit card particulars.
If through GCash, you’ll be required to log in to your GCash account.
As soon as cost is full, the display screen will present you a Transaction Consequence. Then click on CONTINUE. It should take you again to the PGA SOMPO web site with a abstract of your buy.
5. Make a copy of your Affirmation of Cowl.
Examine the inbox of the e-mail handle you entered within the earlier web page. It is best to obtain a duplicate of the Affirmation of Cowl (COC), just like this:
Save or print it out as wanted.
FREQUENTLY ASKED QUESTIONS
Is journey insurance coverage actually required when making use of for a Schengen visa?
YES. There’s no approach round it. You must have a journey insurance coverage. It is likely one of the most necessary paperwork the embassies have to see.
What are the international locations that require a Schengen visa?
What number of days ought to the journey insurance coverage cowl?
That relies on how lengthy your journey might be. Usually, the coverage ought to cowl your entire period of your journey, from the day you depart to the day you come back. However some embassies require further days. In our expertise, the Italian Embassy requires a further 15-day protection past your declared journey dates. We have been advised that the Swiss Embassy does the identical.
It’s greatest to double verify with the respective embassy to make sure.
What’s PGA SOMPO TravelJOY Plus? What are its advantages?
TravelJOY Plus is the journey insurance coverage supplied by PGA SOMPO, a three way partnership of Prudential Assure and Assurance, the highest non-life insurance coverage firm within the Philippines, and SOMPO Holdings, a number one non-life insurance coverage firm in Japan. Each are recognized for offering high-quality service.
Collectively, they put collectively TravelJoy, which may give vacationers such as you reduction and compensation for untoward incidents like private accidents, medical emergencies, flight or baggage delays, journey cancellation, evacuation, lack of cash, and extra! COVID-19 protection can be included!
How a lot is TravelJOY Plus?
One wonderful thing about TravelJOY Plus is its aggressive pricing. It is likely one of the most value-for-money journey insurance coverage merchandise on the market. The Schengen-accredited Supreme plan prices PHP 717 (1-4 days), and this additionally applies not simply to the international locations throughout the Schengen Zone but in addition the UK, Eire, Turkey, and European Russia.
Right here’s the total worth record. However simply in case there are value actions sooner or later, greatest to go to this web page to get a extra up to date quote.
Is there a GROUP or FAMILY possibility?
There was a FAMILY possibility, however it’s at the moment unavailable. Within the meantime, chances are you’ll select INDIVIDUAL and choose the variety of pax that applies to you.
Why select TravelJOY Plus?
Except for its aggressive costs, PGA SOMPO is a part of the SOMPO Group which is current in over 30 international locations around the globe. These SOMPO places of work worldwide can present mandatory help and help ought to the time come that you just want it.
How you can contact PGA SOMPO in case one thing occurs?
The TravelJOY Plus Hotline is +632 8866 7388. It’s open 24/7.
Disclosure: This text is made doable via collaboration with PGA SOMPO.