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 software. A few of them are fairly arduous 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 you need to verify and the best way to 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 not less than EUR 30,000.
- It have to be legitimate for all Schengen member states.
- It should cowl the total period of the keep. (Word: 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 damage, or repatriation in case of dying
- It should permit cashless settlements of claims with the toll-free quantity indicated.
- The insurance coverage firm have to be accredited and reinsured.
There are a variety of insurance coverage corporations which can 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 least expensive we discovered and undoubtedly the best to guide! (We paid for our coverage in full, and sure, our software was authorised.)
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 price if you guide on the PGA Sompo web site and use the promo code: WORTHIT.
Learn how to Ebook 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): If you happen to want a coverage for only one journey, choose SINGLE.
- Package deal: Choose 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, if you happen to enter a rustic inside 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 normal residence for the journey.
- Return Date: the date you’ll arrive at your normal residence after the journey.
- Variety of Vacationers: You may choose as much as 5 vacationers. If you happen to’re a celebration of greater than 5, it’s possible you’ll guide one other batch.
- Promo/Product Code: Kind WORTHIT to get an reasonably priced price.
As soon as the shape is stuffed out, click on GET QUOTE.
2. Choose the SUPREME plan.
If you happen to entered a Schengen state within the earlier web page, you received’t have every other alternative. It’s going to robotically give you the SUPREME Plan, the Schengen-accredited coverage. It’s what I submitted in my most up-to-date software.
Word: The price of the plan varies relying on how lengthy your journey is and what international locations you can be visiting.
If all the pieces is to your satisfaction, click on BUY NOW.
3. Accomplish the non-public data kind.
Kind your private particulars accurately in the proper subject.
Below Applicant Particulars, sort in your data. If you happen to’re a bunch, just one wants to finish this half. Under it are the fields for the insured individuals, which could be as much as 5 vacationers. If you happen to’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 over again.
Listed below are among the particulars wanted:
- full title
- delivery date
- contact quantity
- e mail tackle
- ID sort and quantity
Within the backside part, enter the non-public particulars of your beneficiary. If you happen to skip this, the system will think about “Succession of Regulation” by default.
Conform to 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 Fee Service, which is the official fee companion of PGA SOMPO. There are a variety of fee choices obtainable, particularly:
- 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 fee 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 fee is full, the display screen will present you a Transaction End result. Then click on CONTINUE. It’s going to 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 tackle you entered within the earlier web page. It is best 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 means round it. You must have a journey insurance coverage. It is without doubt one of the most vital 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 will likely be. Generally, 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 had been instructed that the Swiss Embassy does the identical.
It’s finest 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 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 wonderful thing about 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 inside the Schengen Zone but additionally the UK, Eire, Turkey, and European Russia.
Right here’s the total worth 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 possibility?
There was once a FAMILY possibility, nevertheless it’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 all over the world. These SOMPO workplaces worldwide can present obligatory help and assist ought to the time come that you just want it.
Learn how to 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 potential by means of collaboration with PGA SOMPO.