The Schengen Visa is without doubt 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 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’s best to verify and the best way 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 a minimum of EUR 30,000.
- It should be legitimate for all Schengen member states.
- It should cowl the complete period of the keep. (Observe: some embassies just like the Italian Embassy requires an extra 15-day protection past the journey dates.)
- It should embody medical therapy in case of accident or sickness (together with COVID-19)
- It should embody transportation house for therapy in case of sickness or damage, or repatriation in case of demise
- 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 variety 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 provides TravelJOY Plus.
TravelJOY Plus’s SUPREME plan is particularly designed for Schengen visa purposes, and that is what we availed of. It was one of many least expensive we discovered and undoubtedly the simplest to guide! (We paid for our coverage in full, and sure, our utility was accepted.)
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 price while you guide on the PGA Sompo web site and use the promo code: WORTHIT.
E-book Journey Insurance coverage On-line
1. Go to this web page.
The very first thing you’ll see is that this quick kind:
Provide the next data:
- Journey sort (single or annual multi-trip): Should you 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, for those who 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 regular residence for the journey.
- Return Date: the date you’ll arrive at your regular residence after the journey.
- Variety of Vacationers: You may choose as much as 5 vacationers. Should you’re a celebration of greater than 5, you could guide one other batch.
- Promo/Product Code: Sort WORTHIT to get an inexpensive price.
As soon as the shape is crammed out, click on GET QUOTE.
2. Choose the SUPREME plan.
Should you entered a Schengen state within the earlier web page, you received’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.
Observe: The price of the plan varies relying on how lengthy your journey is and what international locations you’ll be visiting.
If every part is to your satisfaction, click on BUY NOW.
3. Accomplish the non-public data kind.
Sort your private particulars accurately in the fitting subject.
Underneath Applicant Particulars, sort in your data. Should you’re a gaggle, just one wants to finish this half. Beneath it are the fields for the insured individuals, which will be as much as 5 vacationers. Should you’re additionally touring, you could simply tick the “Copy Applicant particulars to Insured Individuals” button to robotically duplicate your solutions and keep away from typing them another time.
Listed below are a few of the particulars wanted:
- full title
- start date
- contact quantity
- e mail deal with
- ID sort and quantity
Within the backside part, enter the non-public particulars of your beneficiary. Should you skip this, the system will take into account “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 following web page will lead you to the PesoPay Fee Service, which is the official cost associate of PGA SOMPO. There are a variety of cost choices obtainable, specifically:
- Visa or MasterCard bank card or debit card
- BDO (over-the-counter)
- RCBC (over-the-counter)
- Bayad Middle
- EC Pay
Faucet on the brand 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 will present you a Transaction Outcome. 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.
Verify the inbox of the e-mail deal with you entered within the earlier web page. You must obtain a replica 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 means round it. It’s a must to have a journey insurance coverage. It is without doubt one of the most essential 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 depends upon how lengthy your journey might be. Most often, the coverage ought to cowl the complete period 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 an extra 15-day protection past your declared journey dates. We have been instructed that the Swiss Embassy does the identical.
It’s finest to double verify with the respective embassy to make certain.
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 identified for offering high-quality service.
Collectively, they put collectively TravelJoy, which may give vacationers such as you aid 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 beauty of TravelJOY Plus is its aggressive pricing. It is without doubt 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 complete worth listing. However simply in case there are price 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 possibility?
There was a FAMILY possibility, however it’s presently unavailable. Within the meantime, you could select INDIVIDUAL and choose the variety of pax that applies to you.
Why select TravelJOY Plus?
Other than 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 workplaces worldwide can present obligatory help and assist 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 way of collaboration with PGA SOMPO.