The Schengen Visa is among 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 software. A few of them are fairly laborious to safe, however there’s one merchandise that’s extremely simple 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 is best to examine and tips on how to conveniently buy one on-line.
WHAT’S COVERED IN THIS GUIDE?
What journey insurance coverage is accepted for Schengen visa?
The journey insurance coverage coverage you can purchase and undergo any Schengen embassy should meet the next necessities:
- It should have protection of at the least EUR 30,000.
- It should be legitimate for all Schengen member states.
- It should cowl the complete length of the keep. (Notice: some embassies just like the Italian Embassy requires a further 15-day protection past the journey dates.)
- It should embrace medical therapy in case of accident or sickness (together with COVID-19)
- It should embrace transportation dwelling for therapy in case of sickness or harm, or repatriation in case of loss of life
- It should permit 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 might be accredited by Schengen embassies, however the one we tried in our most up-to-date visa software is PGA SOMPO, a three way partnership of the 2 of probably the most trusted insurance coverage corporations within the Philippines and Japan, which gives 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 most cost-effective we discovered and undoubtedly the simplest to e book! (We paid for our coverage in full, and sure, our software was accepted.)
So when PGA SOMPO approached us for a characteristic, we stated sure instantly. Now, The Poor Traveler readers like you’ll be able to take pleasure in a particular fee once you e book on the PGA Sompo web site and use the promo code: WORTHIT.
Ebook Journey Insurance coverage On-line
1. Go to this web page.
The very first thing you’ll see is that this brief kind:
Provide the next data:
- Journey sort (single or annual multi-trip): For those who want a coverage for only one journey, choose SINGLE.
- Package deal: Choose INDIVIDUAL.
- Locations: Enter ALL the international locations or territories that you simply intend to go to. The system will select the suitable plan for you, relying on the international locations you choose. For instance, in the event 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 standard residence for the journey.
- Return Date: the date you’ll arrive at your standard residence after the journey.
- Variety of Vacationers: You possibly can choose as much as 5 vacationers. For those who’re a celebration of greater than 5, it’s possible you’ll e book one other batch.
- Promo/Product Code: Sort WORTHIT to get an reasonably priced fee.
As soon as the shape is stuffed out, click on GET QUOTE.
2. Choose the SUPREME plan.
For those who entered a Schengen state within the earlier web page, you received’t have some other selection. It would robotically give you the SUPREME Plan, the Schengen-accredited coverage. It’s what I submitted in my most up-to-date software.
Notice: The price of the plan varies relying on how lengthy your journey is and what international locations you’ll be visiting.
If every thing is to your satisfaction, click on BUY NOW.
3. Accomplish the non-public data kind.
Sort your private particulars accurately in the precise subject.
Below Applicant Particulars, sort in your data. For those who’re a gaggle, just one wants to finish this half. Under it are the fields for the insured individuals, which might be as much as 5 vacationers. For those who’re additionally touring, it’s possible 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 here are a number of the particulars wanted:
- full identify
- beginning date
- contact quantity
- electronic mail tackle
- ID sort and quantity
Within the backside part, enter the non-public particulars of your beneficiary. For those who skip this, the system will think about “Succession of Legislation” by default.
Comply with the Phrases and Situations in addition to the Privateness Coverage, and faucet CONTINUE.
4. Pay for the insurance coverage.
The following web page will lead you to the PesoPay Fee Service, which is the official cost accomplice of PGA SOMPO. There are a selection of cost choices accessible, particularly:
- Visa or MasterCard bank card or debit card
- BDO (over-the-counter)
- RCBC (over-the-counter)
- Bayad Heart
- EC Pay
Faucet on the emblem of your chosen cost technique.
If by way of card, you’ll be required to enter your bank card or debit card particulars.
If by way of 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 Outcome. Then click on CONTINUE. It would take you again to the PGA SOMPO web site with a abstract of your buy.
5. Make a copy of your Affirmation of Cowl.
Verify the inbox of the e-mail tackle you entered within the earlier web page. You need to obtain a duplicate of the Affirmation of Cowl (COC), much 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 method round it. You need to have a journey insurance coverage. It is among the most vital paperwork the embassies must see.
What are the international locations that require a Schengen visa?
What number of days ought to the journey insurance coverage cowl?
That is dependent upon how lengthy your journey might be. Generally, the coverage ought to cowl the whole length of your journey, from the day you depart to the day you come. However some embassies require extra days. In our expertise, the Italian Embassy requires a further 15-day protection past your declared journey dates. We have been informed that the Swiss Embassy does the identical.
It’s finest to double examine with the respective embassy to make certain.
What’s PGA SOMPO TravelJOY Plus? What are its advantages?
TravelJOY Plus is the journey insurance coverage provided 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 can provide 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 also be included!
How a lot is TravelJOY Plus?
One wonderful thing about TravelJOY Plus is its aggressive pricing. It is among 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 additionally the UK, Eire, Turkey, and European Russia.
Right here’s the complete value listing. However simply in case there are value actions sooner or later, finest to go to this web page to get a extra up to date quote.
Is there a GROUP or FAMILY choice?
There was a FAMILY choice, but it surely’s at present unavailable. Within the meantime, it’s possible you’ll select INDIVIDUAL and choose the variety of pax that applies to you.
Why select TravelJOY Plus?
Apart from 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 vital help and help ought to the time come that you simply want it.
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 by collaboration with PGA SOMPO.