European Travel Insurance FAQ and Answers

Following are the insurance requirements for Schengen Visa:
  • Medical evacuation/repatriation coverage of at least EUR 30,000
  • Insurance must be valid for duration of stay in the Schengen states
Currently, Twenty Six countries are covered under the Schengen Visa.
The plans satisfying Schengen visa requirements are:
  • American citizens who are planning to stay in schengen countries for more than 90 days need long term visa.
  • The medical expenses covered should be up to $50,000 (or the equivalent in euros)
  • The coverage should be valid for the entire period of stay in Schengen countries.
  • The insurance provider will give the visa letter with the details of coverage for medical expenses, emergencies and hospitalization for a long stay in Europe.
  • The visa letter will also show limitation in the amount of coverage if there is a limit or as "unlimited" if there is no limit on coverage.
The premium depends on different factors mainly the age of the applicant and period of coverage required. Higher the age of the traveller and the risk of expenses higher the premium. Likewise the premium is high for higher duration of coverage and coverage maximum.
Many customers are in a bit of a rush when getting their documents in order for the Schengen visa. For most clients, the visa letter can be obtained either Immediately after purchase or within an hour after purchase. Residents of Maryland (MD), however, need at least one business day (preferably two) because their letters have to be requested. For more information, please see our informative blog.
In order to obtain a visa for the Schengen countries of Europe, you are required to show a "visa letter" along with your application. This letter is written by the insurance company delineating the coverage benefits of the policy and signed by them. This makes it easy for consulates to verify that it meets with their requirements. Obtaining these letters is relatively easy, but the specifics depend on the company from which you purchase your policy. Two companies will send links to the letter in their confirmation email which you will receive immediately after your purchase. For a third company, you have to log onto the company's client website to download the letter (or our friendly agents can do this for you!). Finally, residents of Maryland, who cannot purchase from any of those companies will need one business day in advance so that we can request this letter from the company. The letters are sent electronically to your email and are considered official documents even though you print them out yourself. For more details, be sure to read our detailed blog on the subject.
SCHENGEN VISA LETTER
Yes. For any of the companies we recommend, you can get a full refund on the policy. (The one exception is the policy available for Maryland residents). However, you must cancel the policy BEFORE the start date AND you must contact the insurance company IN WRITING. They do accept email notification, so this is a very quick procedure and you can expect a refund onto the same credit card you used for your purchase within 7 to 10 business days. If you cancel after the start date, some companies will only refund full months and they may also charge a cancellation fee. So it is important to cancel as soon as you realize you will not be going on your trip. For more information, please check out our informative blog.
Yes, the Visa letter can be obtained in other languages. The options are available on the company client zones for some companies like International Medical Group and TokioMarine HCC within an hour after your purchase of the plan. We can also download these and forward them to you. For some companies like Seven corners and Trawick international the letter will be provided at the time of enrolment which can be used to obtain the Schengen visa letter.
Tokio Marine HCC offers visa letter in English and Spanish.
International Medical Group (IMG) offers visa letter in English, Spanish and French
For more information, read our blog on Schengen Visa.
Yes! In fact, all the policies we sell will cover you anywhere outside of your home country. So, if your trip will include other areas of the world besides those Schengen countries, buy your policy to cover your whole trip for the added security of knowing you will be covered in case of sudden illness or medical emergency! Furthermore, you will get some travel benefits like lost baggage and trip interruption as well. For more details, be sure to read the brochure of the policy you are considering. You can also read our blog on Schengen Visa.
The Schengen visa consulate haven't made this mandatory. However some consulates like th French consulate has insisted on having an $0 deductible insurance plan to satisfy their visa requirements. If you have already purchased a plan with a higher deductible and need a plan with $0 deductible. You can cancel the planand buy a new plan provided the plan coverage has not yet started.
Not all insurance plans pay everything. They may offer coverage to satisfy Schengen visa requirements but may have some limits on specific type of coverage. Do read through the insurance plan brochures to check what is covered and what is excluded. Some companies pay directly and only if you go to the hospital or doctor included in their provider network. Do check the company's list of provider network before you get treated.
The visa letter is applicable for all countries in the Schengen area. The traveller usually applies for the visa in the consulate of the country that you are first visiting within the Schengen area. The visa letter and the Schengen visa is valid in all 25 Schengen countries.
These are broadly the different visas issued for visiting and living in the Schengen states:
Schengen Visa based on the type of traveller:
  • Schengen tourist visa
    Visiting the Schengen area as a tourist or on a visit to meet family members living in the Schengen Zone.
    On a tourist visa travelers are allowed to reside in the designated Schengen country for the maximum of 3 months/90 days. During this time, the traveller is not allowed to work unless explicitly states in the visa differently. If the visitor is traveling a lot and not only in one Schengen country it is recommended to fill in the “multiple entry” gap in the application form. This allows the visitor to enter and leave Schengen Zone without constraints during the time allowed on the issued tourist visa. If the traveller desires to stay longer than the allowed period of time, he/she will have to apply again in the embassy to extend the visa.
  • Business visa
    This is issued to persons with the sole purpose of doing business in the designated Schengen country/countries. The business visa is commonly valid for stays no more than 90 days. Again, if the traveller is visiting other nations and not only in one Schengen country it is recommended to fill the “multiple entry” gap in the application. This will allow the visitor to enter and leave the Schengen Zone with flexibility during the time allowed on the visa.
  • Student visa
    This is a visa issued to students who are already accepted at a certified educational institution.
    For students planning to study in the Schengen country, it is mandatory to apply for a residency permit with the appropriate authority. Commonly, you apply for the residency permit after you arrive at the Schengen country with the Schengen visa.
    The good part of the residency permit is that it allows students to travel throughout the whole Schengen area, without any additional documents required. The residency permit is stamped on the students passport.
  • Work visa
    For the sole purpose of traveling in the Schengen states to work in a Company inside the Schengen Zone. The work visa goes under the long-term visa type which entitles the traveller to reside in the Schengen Zone for the time he/she is employed in the designated country. Immediately after settling, the traveller is obliged to apply for a residency permit which entitles the same rights as any other EU citizen.
  • Transit visa
    The Airport Transit Visa allows its holder to travel through the international zone of the Schengen Country Airport without entering the Schengen Country Area. The Transit visa itself allows its holder to transit within no more than 5 days through more than one Schengen country by car, coach or plane on the way to a non-Schengen country.
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AmericanVisitorInsurance and/or its associates have tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their plans/policies. AmericanVisitorInsurance is not liable for any problem resulting from the content on this FAQ. If you do not agree with the terms of this disclaimer, please do not use any information in this FAQ.

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