While gathering documents for your Schengen visa application in Nigeria, you discover that the Schengen travel Insurance certificate is one of the documents that you must submit at the embassy. You make arrangements for a travel insurance certificate and, hopefully, you get one. But how much do you know about Schengen Travel Insurance?
It is a popular knowledge that Schengen Travel Insurance certificate is a requirement when applying for visas at Schengen embassies in Nigeria. You must present an original copy of the certificate for verification.
This insurance policy is expected to cater for the costs that accrue from accidents or emergencies when traveling. It cushions the effects of travel mishaps. But besides these basic nuggets of information, there is more to Schengen Travel Insurance for Schengen visa. Unfortunately, you may be ignorant about these vital details – and you could ruin your chances of getting your Schengen visa because of it.
More Details About the Schengen Travel Insurance
You must get a Schengen travel insurance cover when applying for a visa to any of the following 26 Schengen countries:
Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxemburg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland
You may compare Schengen travel Insurance to the vehicle insurance. Just as you cannot drive your car if you don’t have a valid motor insurance, you cannot travel to a Schengen state if you don’t have a medical insurance cover.
Now, this does not refer to your personal, local health insurance. As most will not be applicable to your journey overseas. After you may have secured your visa (multiple entry visa), you must always get a new Schengen travel insurance when traveling.
A standard Schengen travel insurance policy must be capable of covering fees for illnesses, medical care, likely repatriation or accidents to the tune of 30,000 Euro. Also, it should be valid all through the duration of your trip.
Again, you will be denied your Schengen visa without a credible insurance cover. An added advantage to getting a Schengen travel insurance for your trip is that you get to enjoy the numerous benefits of getting a travel health insurance package.
Why You Need Schengen Travel Insurance
The foremost importance of Schengen travel insurance to you, a Schengen visa applicant, is that it qualifies you for Schengen visa. Other benefits of the travel insurance policy are discussed below:
Free Emergency Medical Treatment
Putting your Schengen travel insurance in place will give you the opportunity to receive standard medical treatment when you fall sick abroad, without drilling a hole in your pockets.
All costs (or a substantial part of the cost) for medical treatment in the case of an injury sustained in an accident will be covered by your Schengen travel insurance as well. In most cases, these costs run into a huge amount of money.
Free Emergency Medical Repatriation
Schengen travel insurance policy takes care of the cost of transporting you to the nearest medical centre when you fall sick or become injured. This policy could also help cover the cost of transporting you back to Nigeria, while you are recuperating from your illness.
Covers Cost of Trip Interruption
It is common for travelers to suspend their vacation and return home earlier than they have planned. While there are several reasons why they do so, changes in travel plans usually attract additional fees for flight day-change and other necessities. Whenever you find the need to shorten your travel period, your Schengen travel insurance may absorb additional costs that come with emergency trip interruption.
Covers Cost of Returning Mortal Remains
Death is one of the characteristics of a living thing, which man is. In an instance where a traveler falls ill and dies, Schengen travel insurance could cover the cost of returning the remains to Nigeria.
Regularly, the cost of returning a corpse back to its family at home is expensive. And a good policy in place could lessen the monetary effects of this on the family members of the deceased.
Approved Travel Insurance Agencies for Schengen Travel Insurance in Nigeria
Specific travel insurance companies have been approved for issuing travel health insurance for Schengen visa application. You should endeavour to get your Schengen Insurance package from any of the companies below for a credible insurance and a successful Schengen visa application:
AXA-MANSARD Insurance PLC
AXA Mansard is a member of the AXA Group, the worldwide leader in insurance and asset management with 166,000 employees serving 107 million clients in 64 countries. The group is a conglomerate of independently run businesses, operated according to the laws and regulations of many different countries.
AIICO partners with Chartis, a South African company, in providing standard Schengen Travel Insurance to travelers. Their package is adequate to cover emergencies and illnesses when you travel abroad.
Mutual Benefits Assurance Plc
Also MBA Plc, Mutual Benefits is one of the most reputable insurance firms in Nigeria. The company is a recognised issuer of Schengen Travel Insurance. The company’s travel health insurance or visa insurance program (VIP) is acceptable at Schengen embassies.
Unitrust Assurance Company Limited
Unitrust Assurance Company is an accredited insurance company. Unitrust is in partnership with Evasan, an insurance company in Switzerland, to provide insurance covers to travelers.
United Healthcare Travel Health Insurance
Also known as UHI, United Travel Health Insurance is another insurance company that can be trusted for authentic insurance certificate for your Schengen visa application. This company, like other standard insurance companies, provide insurance cover that is sufficient for health emergencies during visit to Schengen countries.
Common Concerns About Schengen Travel Insurance
Ready to get your Schengen travel insurance but still bothered about some issues? Here are answers to some of the queries that you may have:
Isn’t it Expensive, How Much?
Schengen travel insurance cover is not expensive to get. It all depends on your length of stay in a Schengen state, and your age.
The insurance premium (price) for applicants between three months and 71 years starts from 3,250 Naira for three days. It goes for 3,750 Naira for a week and 8,750 Naira for a month. Yes, it is that cheap. Kindly visit our travel insurance page to know the price of the travel health insurance of your choice and for your status.
What are the Requirements for a Schengen Travel Insurance?
All you need for a Schengen travel insurance is a valid international passport document. You must have also planned for your trip because information about your period of travel is needed for the insurance.
What is the Validity of a Schengen Travel Insurance Certificate?
Your insurance certificate will only last you for the duration of your travel. You need a new one for a fresh trip.
How Quick Can I Get One?
Under thirty minutes. If you order your Schengen travel insurance from us at Gulfvisa Travel & Tours, we will send your insurance certificate to your email in ten (10) minutes.
You may check out our travel insurance page to start processing your travel insurance. Once you fill out the form and make payment, we will finalise the process and send you a soft (electronic) copy of your insurance certificate.
You may visit our office or any of the AXA-Mansard Insurance offices nationwide to collect your insurance certificate.
You cannot wish away Schengen travel Insurance if you desire to travel to a Schengen country. Schengen travel insurance is affordable and easy to get.
You can get your Schengen travel insurance with GulfVisa. In partnership with AXA-Mansard Insurance, we provide credible Schengen travel insurance for your Schengen visa application and trip. You do not have to pay extra fees and you can get your insurance with ease; and in the comfort of your home or office.