Buying Schengen Travel InsuranceOnline made Quick, Easy & Affordable.
A simple and easy 3 step process to get your Schengen Travel Insurance online.
While saving your
Time, effort, and money.
A simple and easy 3 step process to get your Schengen Travel Insurance online.
While saving your
Time, effort, and money.
Applying for a Schengen visa from the UAE usually means you need travel insurance that meets strict embassy rules. The key is not just buying any travel insurance, but buying a certificate that is Schengen-compliant, shows the required medical limit, and is valid across the Schengen area for your full trip.
InsuranceHub.ae helps UAE residents compare travel insurance options and get an insurance certificate suitable for visa submission.
Schengen travel insurance is a travel medical policy designed to meet Schengen visa requirements. It focuses on emergency medical costs and assistance services while you are travelling in Europe, plus other optional travel protections depending on the plan.
For reference, the European Commission outlines travel medical insurance requirements for Schengen visas on its official guidance pages, including the required minimum medical cover and validity across Schengen states. You can start with the European Commission overview.
Medical cover Travel insurance provides financial protection for unexpected medical expenses during your trip, ensuring you can access necessary healthcare without incurring substantial costs.
Cancellation Protection Travel insurance safeguards your investment by reimbursing non-refundable expenses if you need to cancel or shorten your trip due to covered reasons, offering peace of mind against unexpected disruptions.
Luggage and Personal Belongings Travel insurance covers lost, stolen, or damaged luggage and personal items, allowing you to recover their value up to the policy's limits in case of unfortunate incidents.
Get Recommendation After submitting the form we will connect you to one of our Insurance advisors that would recommend you the Most affordable Insurance plan according to your needs.
Our In House experts do that task for you and it hardly takes a couple of minutes ( Depending on your needs ) for them to advise you on the best insurance that fits your needs
Compare and Buy This is the final and most easy step. Choose from the list of recommended products( Our Advisors will also help you out ) and Buy directly.
Because Schengen countries want assurance that visitors will not become a financial burden on the healthcare system. The policy must be valid for your trip dates and cover emergency medical expenses and repatriation.
Schengen visa insurance must typically provide at least EUR 30,000 in coverage for emergency medical expenses. It must also include repatriation (including medical evacuation and repatriation of remains
When comparing plans, ensure your certificate clearly shows:
If you are applying for a Schengen visa from the UAE, yes, it is generally compulsory as part of the visa checklist. Requirements can differ slightly by embassy or application centre, so always verify against the latest checklist for your destination country.
Embassies and visa centres commonly look for specific wording on the certificate and specific benefits in the policy.
Your policy should cover emergency treatment and hospitalisation during the trip. Always check exclusions, especially around pre-existing conditions, as these can affect claim acceptance
This is a core requirement. The certificate should indicate that repatriation and medical evacuation are included.
The policy should be valid throughout the Schengen territory, not just one country. If your trip includes multiple Schengen destinations, you still use one compliant policy, provided territorial coverage is correct
Your insurance should cover your entire trip, including entry and exit dates. If you are requesting a multi-entry visa, some applicants choose annual multi-trip insurance, but the coverage must still meet embassy expectations for medical limits and area validity.
Schengen insurance is relevant for many UAE-based travellers, not only tourists
Whether you are an expat resident or a UAE national applying through an embassy in the UAE, you will typically need a compliant insurance certificate.
If you are assisting a spouse or child with a Schengen visa application, you will need insurance that matches the applicant’s name, dates, and passport details.
Business travellers often benefit from plans that combine Schengen compliance with broader travel assistance (for example, luggage delay or trip interruption), depending on risk tolerance.
Students attending short courses and visitors on short stays generally need Schengen-compliant insurance for the travel dates, and sometimes additional cover depending on programme requirements.
The cost depends on the traveller’s risk profile and the policy design.
Daily cost varies by:
The most reliable approach is to compare quotes using your actual trip dates and traveller details.
Age of traveler
Older ages typically cost more due to higher expected medical risk.
Trip duration
Longer trips often increase premium as the insurer covers you for more days.
Coverage limits
Higher medical limits and broader benefits generally increase cost.
Add-ons selected
Add-ons like trip cancellation or expanded baggage cover can increase premium.
Cheapest options usually focus on minimum visa compliance rather than broad travel protections. Before choosing the cheapest plan, confirm it includes repatriation benefits and correct territory wording, and check exclusions that could matter to you.
A good comparison looks beyond price and focuses on acceptance and practical claim usability
Basic plans are often designed for visa compliance with core medical and repatriation benefits
Comprehensive plans may add benefits such as:
Single trip is ideal if you travel to Europe once.
Annual multi-trip can be cost-effective if you travel frequently, but always check maximum trip length per journey and ensure the certificate wording meets visa requirements.
Always read the policy schedule and key exclusions. Two plans can both be “Schengen compliant” but differ significantly in claims support, limits, and exclusions.
Coverage varies by insurer, but common inclusions are below.
This is the main Schengen requirement and should include emergency treatment and hospitalisation for sudden illness or accident.
Some policies may include COVID-19 related medical treatment, subject to policy wording. If this matters for your travel, confirm it in writing.
Some comprehensive plans include cancellation or interruption for defined reasons (for example, serious illness), subject to exclusions and documentation.
Many plans include assistance and reimbursement for loss, theft, or delay, within specified limits.
Understanding exclusions is as important as understanding benefits.
Many plans exclude pre-existing conditions unless declared and accepted under special terms. If you have a condition, confirm how it is handled before purchase
Skiing, certain water sports, or other higher-risk activities may be excluded unless an add-on is purchased.
If you travel despite a medical professional advising against it, claims can be rejected.
Buying online is fast if your details match your visa application
Usually, you will need:
Some insurers may request additional details depending on age or medical declaration.
Acceptance depends on compliance with the checklist, correct certificate wording, and valid coverage dates
Many applicants submit documents through VFS Global or embassy-appointed centres, which follow the destination country’s checklist. Check your destination’s latest checklist using official sources such as VFS Global for country-specific application routes and documentation.
Many embassies accept printed certificates or PDFs, but requirements vary. If the checklist mentions original documents or stamping, follow that specific instruction.
Schengen insurance should cover travel across the Schengen area.
Austria, Belgium, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland.
Yes, as long as the policy territory is the full Schengen area and your travel dates are covered. This is common for multi-city itineraries.
If you want to avoid buying the wrong certificate and wasting time, using a comparison and advisor-led platform can reduce errors.
InsuranceHub.ae lets you compare travel insurance options without contacting each insurer separately.
For many plans, you can get your certificate quickly after purchase, which is helpful when visa timelines are tight.
The goal is a certificate that clearly shows Schengen territory, travel dates, and required medical limits.
If you need guidance on what to submit or how to correct certificate details, local support is useful, especially for urgent applications.
Schengen Travel Insurance | Schengen Visa Insurance | Schengen Insurance Policy | Europe Travel Insurance | Travel Insurance for Europe | Schengen Travel Insurance UAE | Schengen Visa Insurance Dubai | Europe Travel Insurance from UAE | Schengen Insurance Abu Dhabi | Best Schengen Insurance UAE | Cheapest Schengen Travel Insurance |
Mobashar Hussain I had a great experience with Insurancehub. It is so easy to reimburse your claims with them. I would call their customer service team for help and they have been responsive and they care about your inquiry. Thank you Insurancehub team!
Alka Edvin Insurancehub provides good customer service and they really care about their clients. I was able to talk to Mr. Jibin, he helped to understand my case, my benefits and also explained the process of taking approvals. Thank you Jibin for helping me.
Anas Maqbool Great service from team Insurancehub. They were very helpful and promptly updated my documents without any hassle. The teams very helpful and replying patiently to all my queries with atmost professionalism. Kind regards, Anas Maqbool.
Most of our First Time customers couldn’t believe that Buying Insurance Online is as simple and affordable.
We help you to get the Best Deal on any Insurance at a very affordable price ( Insurancehub. ae Customers save almost up to 40% as compared to others )
Save more than you expect. Our Insurance Advisors will help you to find the best deals that will save you not only cover all your needs but would help you save a lot of your Money, Time, and Effort.
Saving is the Ultimate Mantra…
We just don’t treat our customers as Just customers rather friends. And Insurancehub is that friend who will never forget you whenever you’re in Need. We take this part of our Operations were carefully so that you get a seamless experience.
Typically, at least EUR 30,000 for emergency medical expenses, plus repatriation benefits, valid across the Schengen area.
You can, but most applicants buy it before submission because it is required for the application. If your visa is already approved, you may still want insurance for travel protection.
It is not always listed as mandatory, and requirements can vary by embassy. If it is important for you, choose a policy that explicitly includes it (if offered) and keep proof.
Yes. The certificate must be in the traveller’s name with their passport details and travel dates.
It covers Schengen countries if the territory is Schengen. Europe includes non-Schengen countries too, so confirm coverage if you are visiting places like the UK or Ireland.
Some insurers allow extensions if requested before expiry and subject to underwriting rules. Check your policy conditions and contact support early.
Still not able to decide whether Insurancehub would be a good fit for you or not.
Fill out the form Complete the basic form that hardly takes 3 mins of your time.