Travel Insurance For Schengen Visa In Pakistan

When people plan their vacations, they usually look at a number of things, such as the cost, the location, and the activities that are present at that resort. People often overlook the fact that travel insurance is important, and they do not understand its importance when they choose an Italy visa in Pakistan. The first question that might pop up in your mind is: why do you need a visa for a country you already intend to visit?

Traveling to Italy? Request your Italy visa online, here at Touriago.com. The Italian government has announced that they will start denying the Italian Visa application from Pakistanis in August this year. Find out more…

Whether you’re dreaming of an Italy trip or you’re already there, Touriago.com can be your ultimate travel companion and make sure you visit all the places with peace of mind. For a hassle-free trip and to avoid unnecessary stress, you should definitely consider getting a travel insurance—a cost-effective way to secure your trip and make sure the unexpected doesn’t ruin it. Getting an Italy Visa can be hectic, especially if your plans are short notice or last minute, but with our top-notch customer service there’s no need to worry: our online visa application service will make it easy for you to apply, get a visa as soon as possible, and have time to organize all the other arrangements for your trip. We know that planning a vacation can be stressful, often because you’ve got to fit in too much into too little time. There are many things for travelers to confer about when preparing for their trip; cases in point are itineraries, visas, insurances and above all security.

Touriago.com is a leading travel insurance provider in Pakistan. We offer affordable, comprehensive and accessible travel insurance plans to all our clients at an affordable price. Our policies are designed to cover you for any contingency so you can get back on your feet if anything happens.

Our plans are designed to cover you for the following:

• Medical expenses

• Emergency medical evacuation

• Personal liability

• Travel delay

• Baggage loss or damage

• Trip cancellation and interruption

We are here to provide the best travel insurance for Italy visa in Pakistan.

We have a team of experts who have years of experience in this field and have helped thousands of people get their visas. We have the best deals on our services which are affordable and reliable. Our team is available 24/7 to answer any questions you may have about your travel plans or visa application process.

Medical travel insurance

Visa applicants are required to have medical travel insurance. It must cover any costs that may be incurred in connection with emergency medical aid, urgent hospital treatment or transport to the country of origin for medical reasons or in the event of death. The insurance has to cover the intended period of stay in the Schengen area according to article 15 and article 24, Schengen visa Code 810/2009.

The insurance is to cover costs totaling at least EUR 30 000 and be valid in all Schengen countries. The insurance has to cover the intended period of your stay in the Schengen area, according to article 15 and article 24, Schengen visa Code 810/2009. The mentioned requirements should clearly be stated in the insurance documents presented to the Embassy when submitting your application.

First of all you are obliged to arrange an insurance in Bangladesh. Under “Accepted providers”, there is a list of companies that offer insurance, approved by the local Schengen cooperation. Exemptions are although granted for some well-known insurance companies situated in the Schengen area, the Embassy retain the right to decide. You also have to show that the insurance is paid and valid.

When applying, you must be able to provide proof that you have medical travel insurance and your name should be mentioned in the insurance even if it is a group insurance. You should also take your insurance certificate with you during the trip since you may need to show it, e.g. at an entry checkpoint.

Failure to fulfill the mentioned requirements above will automatically result in dismissal.  

Exemptions

Exempted from the medical insurance requirement are those who:

Travel with a diplomatic passport

Travel with an official passport with a Note Verbal

Apply for an airport transit visa

 Are relatives of an EU citizen (other than Swedish), i.e. his/her
– husband or wife
– registered partner
– common law spouse
– children under 21 years of age
– older children who are financially dependent on their parents living in the Schengen area.
– parents who are financially dependent on their children living in the Schengen area. 

Schengen Visa Insurance Requirements

Medical insurance for a Schengen visa must meet the following criteria:

• A minimum coverage of medical costs: at least 30,000 EUR (equivalent to 31,500 USD as of June 2022).
• It should cover all member states of the Schengen Area.
• Cover any expenses which might arise in connection with repatriation for medical reasons, urgent health attention and/or emergency hospital treatment or death.

Travel insurance companies Europ Assistance and AXA provide the mandatory insurance certificate required when applying for a Schengen visa.

Even though travel health insurance is worth having for all travellers to Europe, not everyone is required to have it. A travel insurance policy is a mandatory requirement only for travellers who need to apply for a Schengen visa. This group of travellers is always required to have the needed coverage for the entire period of their stay in Europe, regardless if they go there for business, tourism, studying, holidays, or other reasons.

Foreign travellers visiting Europe who enjoys visa-free travel to the Schengen zone can get their preferred travel insurance policy if they want to and while it is highly recommended – they are not required to.

Travel insurance plans Schengen Plus from Europ Assistance and Europe Travel from AXA not only provide the mandatory insurance certificate needed for a Schengen visa but also offer extended coverage wherever you travel in the Schengen area or in the EU. The countries covered include the Schengen area, plus EU countries: Bulgaria, Romania, Croatia, Cyprus and Ireland.

Travel Insurance Is a Must When Applying for a Schengen Visa

Extract from “Regulation (EC) No 810/2009 of the European Parliament and of the Council of 13 July 2009”, which entered into force on April 5 of 2010:

“… Applicants for a uniform visa for one or two entries shall prove that they are in possession of adequate and valid travel medical insurance to cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death, during their stay(s) on the territory of the Member States.
The insurance shall be valid throughout the territory of the Schengen Area Member States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30,000” (…)

Who Must Purchase Travel Health Insurance for Europe?

Anyone travelling temporarily to Europe from a country that is subject to visa requirements, be it individual visitors or group visitors, tourists, or business travellers.

The Europe travel health insurance policy can easily be purchased online from Europ Assistance or AXA at a very low cost.

Who Provides Schengen Travel Insurance?

First and foremost, the health insurance policy that you might already possess through your employment contract might cover international medical emergency expenses, however, there are usually limitations to what is covered. Therefore, one shall be well aware of what to expect and what not to expect when having a medical issue in Schengen territory.

Usually, travellers purchase an individual Schengen travel insurance policy for the days planned to spend in Europe at the rightful insurance provider.

Make sure the company you choose is licensed and accepted in the Schengen country you are planning to travel to.

We recommend buying Schengen visa insurance from Europ Assistance or AXA. All these companies are accepted by European Embassies and Consulates worldwide. You can also cancel it free of charge if you present proof that your visa has been rejected.

How Much Does Schengen Insurance Cost?

Schengen travel insurance can be very affordable, with prices for a one-week insurance policy as low as €18 – €20. However, the cost of Schengen insurance ultimately depends on several factors – your age, how much coverage you want, the trip duration, as well as the specific insurance company.

• AXA Assistance
• Europ Assistance

Here are the insurance premiums from AXA Assistance.

Duration of travel	AXA Low Cost (Schengen area only)	AXA Europe Travel (Extended protection, Schengen + EU countries)
up to 8 days	20 EUR	30 EUR
up to 16 days	36 EUR	55 EUR
up to 31 days	56 EUR	74 EUR
up to 45 days	65 EUR	103 EUR
up to 62 days	73 EUR	117 EUR
up to 90 days	89 EUR	152 EUR
up to 105 days	110 EUR	176 EUR
up to 180 days	168 EUR	271 EUR
up to 365 days	–	298 EUR (AXA Schengen Multi Trip)

Conclusion

It is indeed a very serious matter to travel abroad, especially if you are traveling under Schengen Visa, which requires the traveler to have a valid Travel Health Insurance. You need to see that you are covered for all the illness and health emergency for no extra cost in your Schengen Visa application. Besides this, insurers do not provide coverage for pre-existing conditions.