Schengen visa travel insurance from the Philippines: what you need
If you are applying for a Schengen visa from the Philippines, you must show proof of travel medical insurance. Consulates check it, and a policy that does not meet the rules can delay your application. This guide explains what the insurance needs to cover, and when to buy it.
What Schengen travel insurance must cover
The general Schengen requirements for the policy are:
- Medical cover of at least 30,000 euros.
- Cover for emergency medical treatment, urgent hospital care and repatriation for medical reasons or death.
- Validity in every Schengen country you will visit.
- Validity for your whole stay, from the day you enter to the day you leave.
When to buy it
You normally need the insurance certificate when you submit your visa application, so buy the policy before you apply. Make sure the dates on the policy match your planned trip.
Check the requirements for your case
Requirements can differ by consulate and can change, so check the current rules of the embassy you are applying to. An insurance policy does not guarantee that a visa will be granted. The consulate makes that decision.
Beyond the minimum
The minimum is designed to satisfy the visa rule, not to be the best cover for you. Hospital costs in Europe can be high, so many travellers choose more than the minimum. A licensed advisor at Crux Consultants Ph can go through the tiers with you, and confirm what a plan covers before you buy. The first 15-minute consultation is free.
Common questions
Do I need travel insurance for a Schengen visa from the Philippines?
Yes, applicants generally need to show proof of travel medical insurance that meets the Schengen requirements. Check the current rules of the embassy you apply to.
How much cover does Schengen travel insurance need?
At least 30,000 euros of medical cover, valid in all Schengen countries for the whole stay, including emergency treatment and repatriation.
Does having insurance guarantee my visa?
No. Insurance is one requirement. The consulate decides on the visa.
General information only. It is not a quote, and the policy wording decides what is covered.