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Venice may conjure up images of romantic gondola rides down the Grand Canal, but this European city isn't only for swooning lovebirds.
Schengen visa insurance satisfies consulate requirements.
Which Travel Insurance Should I Buy for Philippines Citizens (Schengen Visa)?
- Cheapest Schengen Travel Insurance for Philippines – Atlas International Insurance From $1 per day*
- Best Travel Medical Insurance for Philippines – Patriot International Lite Meets Schengen visa requirements Most Popular
- Popular Schengen Visa Insurance – Safe Travels International From $18 per week*
- Best Pre-Existing Condition Coverage – Travel Medical Global Choice Acute onset coverage (under 79 yrs)
Do I Need Travel Insurance for Philippines?
Yes. Travel insurance for Philippines is mandatory if you are applying for a Philippines visa. Your policy must meet Philippines visa travel insurance requirements, including:
- Minimum €30,000 (around US $35,000) medical coverage
- Emergency medical expenses
- Hospitalization
- Medical evacuation
If you do not need a visa, travel insurance is optional but still highly recommended due to potential high medical costs for foreigners.
What Are the Schengen Visa Travel Insurance Requirements?
Travelers applying for a Schengen visa must purchase travel medical insurance that meets all of the following mandatory requirements:
- Minimum coverage of €30,000 for medical emergencies and hospitalization.
- Valid in all 29 Schengen countries without exception.
- Includes emergency medical evacuation and medical repatriation (returning the traveler to their home country if needed).
- Must cover the entire duration of the stay in the Schengen Area — no gaps in travel dates.
- Insurance must provide 100% cashless coverage with no deductible/excess.
- Policy must clearly mention the traveler’s name, coverage dates, and coverage limits.
- The insurance provider must be recognized and accepted by Schengen embassies/consulates.
American Visitor Insurance provides a visa letter instantly after purchase that meets all these requirements.
library_books Procedure to get the Schengen visa application letter!
Tip: Always carry a printed copy and a digital copy of your insurance certificate. Embassies and border officers may ask for proof at any time.
What Does Schengen Visa Travel Insurance Cover?
✔
Satisfies Visa requirements
🚑
Medical evacuation
Emergency medical evacuation expenses to nearest available facility if needed.
🏥
Health care expenses
Covers emergency medical expenses for accidental injury or illness.
⚰️
Repatriation of Remains
Offers coverage for repatriation of remains expenses to home country in case of death.
🩺
Coverage for Pre-Existing Conditions
Travel insurance offers coverage for acute onset of pre-existing conditions.
How Do I Get an Instant Philippines Visa Insurance Letter Required by Consulate?
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1) Enter Details & GET QUOTE
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2) Compare plans & BUY NOW
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3) Download VISA LETTER
- Philippines travel insurance can be purchased online quickly and easily to meet Philippines visa insurance requirements and consulate guidelines.
- Provide relevant information such as traveler age, travel dates, and total medical coverage required in the quote form. A list of cheap Philippines travel insurance plans, along with premium costs and medical coverage details, will be displayed instantly.
- Compare multiple Philippines visa insurance quotes and choose the cheapest Schengen travel insurance for Philippines that meets the €30,000 minimum medical coverage and repatriation requirements.
- The applicant can buy the best Philippines visa insurance by completing the online application and secure credit card payment.
- After purchasing Europe travel insurance valid for Philippines, the traveler will receive complete insurance policy details, including a toll-free emergency assistance number, a virtual insurance ID card, and an instant Schengen visa insurance letter for Philippines.
- This visa insurance certificate for Philippines visa can be downloaded immediately and submitted to the Philippines Embassy or VFS Philippines as proof of travel medical insurance coverage for Philippines.
What Common Mistakes Do Philippines Travelers Make When Applying for a Schengen Visa?
Many Schengen visa refusals for Philippines travelers happen because of avoidable errors. Being aware of these common mistakes can greatly improve approval chances:
- Incomplete financial documents such as missing bank statements or statements with sudden large deposits.
- Weak ties to Philippines—not providing job letters, business proof, or family documents showing strong reasons to return.
- Mismatched travel dates between insurance, hotel bookings, and flight itineraries.
- Unverifiable or incorrect travel itineraries or booking fake reservations.
- Incorrect or insufficient sponsorship documents when someone else is paying for the trip.
- Lack of valid travel health insurance meeting the minimum €30,000 Schengen requirement.
- Inconsistent information between application form, documents, and cover letter.
- Submitting applications too late, especially during peak travel months.
Avoiding these mistakes increases the likelihood of quick approval and reduces the chance of embassy queries or delays.
Top Travel Insurance Recommendations for Philippines in 2026
Cheapest Philippines Travel Insurance
Atlas International Insurance
$8/week*Schengen-compliant medical coverage
- Medical coverage: $50,000 – $2,000,000
- Emergency medical evacuation up to $1,000,000
- Acute onset of pre-existing conditions covered (up to 79 yrs)
- Repatriation of remains included
Best Travel Insurance for Philippines
Patriot International Lite
$10/week*Balanced coverage for Europe travel
- Policy Maximum: $50,000 – $1,000,000
- Medical evacuation up to $1,000,000
- Acute onset of pre-existing conditions covered (under 70 yrs)
- Repatriation of remains up to $50,000
Other Recommended Plans
Travel Medical Global Choice
- Policy Maximum: $50,000 – $1,000,000
- Medical evacuation up to $500,000
- Acute onset of pre-existing conditions covered (under 79 yrs)
Starting at $10/week*
Learn More »Safe Travels International
- Policy Maximum: $50,000 – $1,000,000
- Medical evacuation up to $1,000,000
- Unexpected recurrence of pre-existing conditions covered (up to 70 yrs)
Starting at $18/week*
Learn More »* Prices shown are indicative for a 7-day trip, $50,000 coverage, $0 deductible, 30-year-old traveler.
How Much Does Philippines Travel Insurance Cost in 2026?
Europe Schengen travel insurance Cost in 2026Schengen insurance cost ranges between $8 to $15 per week for a 25-year-old traveler with a $50,000 medical maximum and $0 deductible.
All the insurance plans listed below
- Meet Schengen visa requirements
- Are accepted by Schengen embassies/consulates worldwide
- Include a downloadable Schengen insurance visa letter immediately after purchase
| Insurance Plans | Provider Network | Cost | How to download Schengen Visa letter |
|---|---|---|---|
| Atlas International | No PPO | $8 | WorldTrips insurance ID cards via Client Zone |
| Patriot International Lite | IPA Network | $10 | IMG insurance ID cards from My IMG |
| Atlas Premium International | No PPO | $11 | WorldTrips insurance ID cards via Client Zone |
| Travel Medical Global Choice | Wellabroad.com | $11 | Seven Corners insurance ID cards via Client Zone |
| Safe Travels International |  |
$15 | Trawick International insurance ID cards via Client Zone. |
Source: American Visitor Insurance ®
Cheapest travel insurance for Schengen Visa
Review Schengen Visa insurance plan benefits.
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Which Is the Best Schengen Travel Insurance With Pre-Existing Conditions Coverage?
Travelers with existing health concerns often need more than basic Schengen visa insurance.
- At American Visitor Insurance, we offer best Schengen travel insurance with pre-existing condition coverage, including top-rated options such as Travel Medical Global Choice Insurance and Safe Travels International, both providing premium benefits and acute onset protection.
- For budget-friendly choices, the cheapest travel insurance for Schengen visa includes Atlas International and Patriot International Lite Insurance, offering affordable coverage while still meeting all Schengen visa requirements.
Travelers can easily compare these best Schengen visa insurance for pre-existing conditions and choose the option that best fits their medical needs and budget.
Atlas International: Affordable Schengen travel insurance with pre-existing conditions providing essential medical coverage, emergency benefits and acute onset pre-existing condition protection for travelers under age 70.
- Acute Onset of Pre-Existing Condition Coverage: Covers up to the overall maximum limit for travelers under age 80.
- Emergency Medical Evacuation: Up to $25,000 lifetime maximum.
- Cost Example: A 25-year-old travelerpays about $8 for a 7-day trip, with $50,000 medical maximum and $0 deductible.
Patriot International Lite: Affordable Schengen travel insurance with pre-existing conditions providing essential medical coverage, emergency benefits and acute onset pre-existing condition protection for travelers under age 70.
- Acute Onset of Pre-Existing Condition Coverage:
- Age 64 and under without primary health plan: Maximum limit $20,000
- Age 64 and under with primary health plan: Up to the period-of-coverage limit
- Age 65 through 69: Maximum limit $2,500
- Cost Example: A 25-year-old traveler pays about $10 for a 7-day trip, with $50,000 medical maximum and $0 deductible.
Travel Medical Global Choice Insurance: Best Schengen visa medical insurance for seniors with robust medical protection and acute onset pre-existing condition coverage, including cardiac issues, for travelers up to age 79
- Acute Onset of Pre-Existing Condition Coverage:
- 14 days to 64 years old: Up to $50,000
- 65 to 79 years old: Up to $10,000
- 80 years and older: Not Available
- Cost Example: A 25-year-old traveler pays about $11 for a 7-day trip, with $50,000 medical maximum and $0 deductible.
Safe Travels International: Premium-quality Schengen visa health insurance with pre-existing coverage designed for international travelers offering strong medical protection.
- Includes coverage for unexpected recurrence of a pre-existing condition
- Up to $2,500 for travelers up to age 69.
- Not available for ages 70+.
- Enhanced emergency coverage for cardiac or stroke-related events for senior travelers age 70 and above.
- Cost Example: A 25-year-old traveler pays about $15 for a 7-day trip, with $50,000 medical maximum and $0 deductible.
Which Is the Affordable Schengen Travel Insurance for Philippines Travelers?
The cheapest Schengen travel insurance for Filipino citizens starts as low as $1 per day. The price varies based on the traveler’s age, travel duration, and coverage selected. It is recommended to compare the best low-cost Schengen plans before purchasing.
One of the most affordable options for travelers from Philippines to Europe is Atlas International Insurance from WorldTrips, which offers strong medical benefits, Schengen-approved coverage, and easy online purchase through American Visitor Insurance.
Atlas International Insurance
Atlas International is a cheap Schengen visa insurance from Philippines designed for travelers outside their home country, including both U.S. and non-U.S. citizens.
This plan offers excellent Schengen-visa compliant coverage with flexible medical maximums, multiple deductible options, acute onset of pre-existing condition benefits, and 24/7 worldwide travel assistance.
- Ideal for travelers visiting Europe from Philippines and other countries.
- Covers acute onset of pre-existing conditions (up to policy maximum for travelers below 80).
- Renewable up to a total of 12 months.
- Policy maximum options from $50,000 to $2,000,000.
- Deductible options from $0 to $5,000.
- Coverage duration from 5 days to 364 days.
- Atlas International costs between $27 to $233 per month, depending on age and plan selections.
How Can I Buy the Best Travel Insurance for Schengen Visa?
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1: Find the Best Plans
Complete the Schengen visa insurance quote request form by providing details of the traveler and insurance requirements.
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2: Compare Travel Insurance Plans
Compare the price and the benefits of the different Schengen visa insurance options to identify what fits your needs best.
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3: Buy Your Preferred Travel Insurance Plan Online
Buy the plan that fits your requirements and budget best by using a credit card and completing the online application.
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4: Review Policy Details Before Traveling
Review the insurance documents & download visa letter is required.Compare Schengen Visa Travel Insurance
Atlas International
Insurance
Per Month
- Policy Maximum#1
- Deductible#2
- Schengen visa letter
Available from client zone - Covers complications of pregnancy in the first 26 weeks of gestation
- Acute onset of pre-existing condition coverage is available within the age of 79
Patriot International Lite
Insurance
Per Month
- Policy Maximum#1
- Deductible#2
- Schengen visa letter
Sent immediately after purchase - Does not offers coverage for pregnancy
- Acute onset of pre-existing condition coverage is available within the age of 70
Safe Travels International Insurance
Per Month
- Policy Maximum#1
- Deductible#2
- Europe visa letter
Sent immediately after purchase - Covers Emergency Medical Treatment of Pregnancy
- Covers unexpected recurrence of pre-existing conditions up to the age of 89 years
Travel Medical Choice Insurance
Per Month
- Policy Maximum#1
- Deductible#2
- Europe visa letter
Sent immediately after purchase
shopping_cart Purchase Now
Not Available in#3
Maryland, Washington, New York, South Dakota, Colorado.....
Maryland, Washington, New York, South Dakota, Colorado.....
#1 Policy Maximum is the maximum eligible medical expenses that the plan will cover.
#2 Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.
#3 Europe travel insurance for US residents Click here to read more »Travel Health Insurance From Philippines to Europe – FAQ's
1. Do Filipino Citizens need a Visa to enter the Schengen region of Europe?
Yes, Filipino citizens must have a valid Schengen visa to enter any country in the Schengen Zone.
The following are some categories of people living in Philippines that are exempt from the Schengen visa requirement:
- Citizens of countries living in Filipino who do not need a Schengen visa for short travel (usually up to 90 days)
- Filipino citizens who have a dual citizenship in one of the Schengen nations
2. What travel documents do Filipino citizens need to travel to the Schengen region?
Filipino citizens traveling to the Schengen region will need to carry the following documents:
- A valid passport: The passport must be valid for at least three more beyond the departure date from the Schengen Area.
- A valid Schengen Visa: The Schengen visa must be valid for the entire length of travel to the Schengen region.
- Proof of finances: Documents reflecting adequate financial means to visit the Schengen region.
3. Can I buy Schengen travel insurance online from Philippines?
Yes, Filipino travelers can purchase Schengen-compliant insurance online. The policy certificate is issued instantly and can be submitted with the visa application.
4. Can I get Schengen insurance for a long stay of more than 90 days?
No. Schengen insurance is valid for stays up to 90 days. Longer stays require a National (D) Visa and corresponding long-term health insurance.
5. Can my Schengen visa be rejected due to invalid travel insurance?
Yes. Visa applications can be rejected if the insurance has insufficient coverage, incorrect dates, or is not valid across all Schengen states.
6. Can Filipino students use Schengen insurance for study visas?
No. Students applying for long-term study visas must purchase long-term health insurance instead of short-term Schengen insurance.
7. Does Schengen insurance cover medical repatriation?
Yes. All Schengen-compliant plans include emergency medical evacuation and repatriation of remains back to Philippines if required.
8. How long does it take to receive the Schengen insurance certificate?
You receive the insurance certificate instantly by email after purchasing online. It is ready to be attached to your visa documents.
9. Does Schengen travel insurance cover flight delays or cancellations?
Only if you choose a plan that includes trip delay, missed connection, or trip cancellation benefits. Basic medical-only plans usually exclude this.
Schengen Visa Travel Insurance Reviews
Reviews, Ratings and Experiences from our customers
Karen
"I am always appreciating good business conduct and when I am coming back here for the longer time span."
Margaret
"Thank you for your prompt response. Your prompt response will be highly appreciated."
Connie
"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company."
Why Should I Buy Schengen Visa Insurance on American Visitor Insurance?
We serve as a trusted marketplace for Schengen travel insurance with over 20 years of experience, helping you easily compare top-rated plans that meet Schengen visa requirements.
- Side-by-Side Plan Comparison: With American Visitor Insurance, you can easily compare Schengen visa travel medical insurance plans, costs and benefits from top insurers - all in one place.
- Visa-Compliant & Comprehensive Protection: All plans meet Schengen visa requirements and include coverage for medical emergencies, hospitalization, accidents, repatriation, and unforeseen health issues abroad.
- Affordable & Transparent Pricing: Get the best price directly from the insurer — no hidden fees. Receive an instant quote and purchase your policy online quickly and hassle-free.
- Expert Support & Assistance: Our licensed customer support team is available 24/7 to
- Guide you through plan selection and online applications
- Help with policy renewals or extensions
- Assist with cancellations if travel plans change
- Support filing insurance claims
- Peace of Mind While Traveling: Enjoy your trip to the Schengen Area knowing you are protected with trusted insurance coverage.
What Are the Factors That Affect the Cost of Europe Travel Insurance From Philippines?
The cost of Schengen visa travel insurance from Philippines depends on key factors:
- Age of the traveler: The older the Schengen visa holder, the more expensive the monthly plan cost.
- The maximum medical coverage selected: The options range from $50,000, up to $1,000,000, the higher the coverage amount, the higher the premium.
- The selected deductible: A 'deductible' is the amount of the medical costs the customer pays before the insurance plan provides any coverage. Most plans provide several options ranging form $0 to $2500 (travelers over age 60 years may not have the $0 deductible option). The lower the deductible, the higher the premium.
- The co-insurance on the plan: 'Co-insurance' is the percentage on medical expenses borne by the customer AFTER the deductible is paid. The cheapest travel health insurance for schengen visa will have the highest co-insurance.
- The Insurance underwriter: There are different underwriters such as AIG, Lloyds, Nationwide, etc. Premium will vary for different underwriter.
What Is Europe Medical Insurance for Schengen Visa?
What Are the Different Types of Schengen Visas Available for Filipino Citizens?
| Visa Type | Description | Duration / Notes | Subtypes (if any) |
|---|---|---|---|
| Schengen Visa (Type C) | Short-term visa for travel and stay in Philippines and the Schengen area. | Up to 90 days within a 180-day period | Single-entry, Double-entry, Multiple-entry |
| National Visa (Type D) | Long-stay visa for stays in Philippines exceeding 90 days. Issued under national legislation. | Long-term; Examples: student visas, work visas, residence permits | None |
| Airport Transit Visa (Type A) | Allows transit through the international transit area of Philippines airport without entering the country. | Required for certain citizens connecting through Philippines to a non-Schengen destination | None |
| Transit Visa (Type B) | Allows transit through Philippines to reach a final destination outside the Schengen area. | Valid for a maximum of 5 days | None |
What Are the Popular tourist destinations in Europe?
Things to Know Before Traveling from the Philippines to the Schengen Zone
1. Schengen Visa Required: Filipino citizens must obtain a Schengen visa for short stays up to 90 days. Apply through the embassy or VFS center of your main destination.
2. Apply Early: Visa processing usually takes 15–45 days, so it’s recommended to apply at least 4–6 weeks before your travel date.
3. Travel Insurance Is Mandatory: Schengen rules require insurance with at least €30,000 medical emergency and repatriation coverage. Submit the certificate with your visa documents.
4. Prepare Key Documents: Make sure you have your passport, application form, photos, itinerary, hotel booking, flight reservation, bank statements, and proof of employment or business.
5. Follow the 90/180 Rule: Travelers can stay only 90 days within a 180-day period across the Schengen zone.
6. Be Ready at Immigration: Keep printed copies of your accommodation details, return ticket, and financial proof. Immigration officers may ask for them upon arrival.
7. Currency: Most Schengen countries use the Euro (€). Carry both cash and an international debit/credit card.
8. Weather & Packing: Europe’s weather varies greatly by season. Pack suitable clothing based on the time and place you’re visiting.
9. Emergency Numbers: The universal emergency number in Europe is 112. Also keep your travel insurance helpline and contact information of the nearest Philippine embassy.
Popular Flight Routes from the Philippines to Europe
Filipino travelers flying from the Philippines to Europe typically take connecting flights through major global hubs. Popular routes include Manila → Dubai/Doha → Europe via Emirates or Qatar Airways, offering smooth links to cities like Paris, Amsterdam, and Rome.
Many also prefer transits through Singapore or Hong Kong using Singapore Airlines or Cathay Pacific for convenient European connections.
Another widely used option is Manila → Istanbul with Turkish Airlines, providing access to over 100 European destinations. Routes through Abu Dhabi, Bangkok, Kuala Lumpur, and Seoul are also common, giving Filipino travelers multiple choices for flexible and affordable travel to Europe.
What Does Travel Insurance for Schengen Visa Usually Not Cover?
Travel health insurance for Schengen visa usually provides coverage for injury, sickness and unplanned medical expenses, emergency medical evacuation, and repatriation of remains in case of death. However, there are certain situations and items that are not covered by Schengen Visa insurance. These include:
⚕️ Pre-existing medical conditions
Schengen Visa insurance usually excludes or provides limited coverage for any medical conditions that existed prior to the start of the policy. This means that if you have a pre-existing condition, any related treatment may not be covered.
💊 Treatment for chronic illnesses
Most Schengen Visa medical insurance plans do not cover ongoing treatment for chronic illnesses such as diabetes or heart disease. Travelers needing long-term care should look for specialized insurance coverage.
🏥 Non-emergency medical treatment
Schengen travel insurance is designed for emergencies. It typically does not cover routine check-ups, vaccinations, or elective procedures.
🏄♂️ Adventure and extreme sports
Many Schengen Visa health insurance plans exclude coverage for high-risk activities such as bungee jumping, skiing, or scuba diving. If you plan to join such activities, consider additional adventure sports coverage.
🧠 Mental health conditions
Most Schengen Visa insurance policies do not include coverage for mental health conditions like anxiety or depression. Specialized plans may be needed for such care while abroad.
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