How to Get Accredited TRAVEL INSURANCE for SCHENGEN VISA Application Online

The Schengen Visa is one of the hardest visas to get, especially for Filipino travelers. The sheer number of requirements alone can make any nervous applicant think twice about pursuing their application. Some of them are quite hard to secure, but there’s one item that is incredibly easy to get online — travel insurance.

Yes, a travel insurance is required when applying for a Schengen visa. And not just any travel insurance, it should meet the coverage criteria set by the embassies. In this article, we’ll walk you through the insurance details you should check and how to conveniently purchase one online.

What travel insurance is approved for Schengen visa?

The travel insurance policy you should buy and submit to any Schengen embassy must meet the following requirements:

• It must have coverage of at least EUR 30,000.
• It must be valid for all Schengen member states.
• It must cover the entire duration of the stay. (Note: some embassies like the Italian Embassy requires an additional 15-day coverage beyond the travel dates.)
• It must include medical treatment in case of accident or illness (including COVID-19)
• It must include transportation home for treatment in case of illness or injury, or repatriation in case of death
• It must allow cashless settlements of claims with the toll-free number indicated.
• The insurance company must be accredited and reinsured.

There are a number of insurance companies that are accredited by Schengen embassies, but the one we tried in our most recent visa application is PGA SOMPO, a joint venture of the two of the most trusted insurance companies in the Philippines and Japan, which offers TravelJOY Plus.

TravelJOY Plus’s SUPREME plan is specifically designed for Schengen visa applications, and this is what we availed of. It was one of the cheapest we found and definitely the easiest to book! (We paid for our policy in full, and yes, our application was approved.)

So when PGA SOMPO approached us for a feature, we said yes immediately. Now, The Poor Traveler readers like you can enjoy a special rate when you book on the PGA Sompo website and use the promo code: WORTHIT.

How to Book Travel Insurance Online

1. Visit this page.

The first thing you’ll see is this short form:

Supply the following information:

• Trip type (single or annual multi-trip): If you need a policy for just one trip, select SINGLE.
• Package: Pick INDIVIDUAL.
• Destinations: Enter ALL the countries or territories that you intend to visit. The system will choose the appropriate plan for you, depending on the countries you select. For example, if you enter a country within the Schengen Zone, the system will automatically present the SUPREME PLAN, which meets the Schengen visa requirements.
• Depart Date: the date you’re leaving your usual residence for the trip.
• Return Date: the date you’ll arrive at your usual residence after the trip.
• Number of Travelers: You can select up to five travelers. If you’re a party of more than five, you may book another batch.
• Promo/Product Code: Type WORTHIT to get an affordable rate.

Once the form is filled out, click GET QUOTE.

2. Select the SUPREME plan.

If you entered a Schengen state in the previous page, you won’t have any other choice. It will automatically offer you the SUPREME Plan, the Schengen-accredited policy. It’s what I submitted in my most recent application.

Note: The cost of the plan varies depending on how long your trip is and what countries you will be visiting.

If everything is to your satisfaction, click BUY NOW.

3. Accomplish the personal information form.

Type your personal details correctly in the right field.

Under Applicant Details, type in your information. If you’re a group, only one needs to complete this part. Below it are the fields for the insured persons, which can be up to 5 travelers. If you’re also traveling, you may just tick the “Copy Applicant details to Insured Persons” button to automatically duplicate your answers and avoid typing them all over again.

Here are some of the details needed:

• full name
• birth date
• contact number
• email address
• nationality
• ID type and number

In the bottom section, enter the personal details of your beneficiary. If you skip this, the system will consider “Succession of Law” by default.

Agree to the Terms and Conditions as well as the Privacy Policy, and tap CONTINUE.

4. Pay for the insurance.

The next page will lead you to the PesoPay Payment Service, which is the official payment partner of PGA SOMPO. There are a number of payment options available, namely:

• GCash
• GrabPay
• Visa or MasterCard credit card or debit card
• BDO (over the counter)
• RCBC (over the counter)
• Bayad Center
• EC Pay

Tap on the logo of your chosen payment method.

If via card, you’ll be required to enter your credit card or debit card details.

If via GCash, you’ll be required to log in to your GCash account.

Once payment is complete, the screen will show you a Transaction Result. Then click CONTINUE. It will take you back to the PGA SOMPO website with a summary of your purchase.

5. Keep a copy of your Confirmation of Cover.

Check the inbox of the email address you entered in the previous page. You should receive a copy of the Confirmation of Cover (COC), similar to this:

Save or print it out as needed.

Disclosure: This article is made possible through collaboration with PGA SOMPO.

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