Schengen Visa Insurance
In 1985, five European countries signed an accord in the interest of promoting free travel within Europe. They envisioned a continent that allowed travelers to cross national lines quickly and easily, and today the Schengen Area includes 26 countries with open borders. If you are planning a European tour, chances are good that your many destinations are within that area. With the Schengen Visa, you are free to travel from country to country, and are granted a temporary stay of 90 days over the course of six months for business or tourism.
There are 38 countries (including the U.S.) whose citizens don’t even need to apply for a Schengen Visa to enter any of the Schengen countries. If you aren’t a citizen of any of those countries, or if your travel plans include working or staying for longer than three months, you will need to apply for a Schengen Visa. To apply, you will need to first identify the Schengen country where you will be spending the most time, and then visit that country’s embassy.
Get a Schengen Visa
Schengen Visa Countries
- Czech Republic
If you are planning on staying in the Schengen Zone for longer than 90 days in a six-month period, then you must apply for and receive a Schengen visa. The visa will allow you to travel and stay in the Zone for more than 90 days. If you stay for your 90-day allotment and leave the Schengen Zone, you cannot simply reenter. Without a visa, you cannot reenter the Zone until you have been out of it for at least 90 days. If you are planning on staying for more than 90 days, then here are the steps you must complete in order to receive your Schengen visa:
Steps for Getting a Schengen Visa
- Find Schengen visa insurance
- Determine your travel plans
- Complete and submit the Schengen visa application form
- Provide the proper documentation for your visa requirements to the embassy
- Find Schengen visa insurance. In order for your visa application to be processed and approved, you will need to be able to show that you have insurance that will keep you covered as you travel. In many cases, your domestic insurance will not provide you with the protection you need as you travel. Schengen visa insurance is designed to keep you protected while you travel in the Schengen Zone. Atlas Travel® insurance provides from fifty thousand dollars up to one million dollars in medical coverage for individuals needing Schengen visa insurance.
- Determine your travel plans. Before you can actually apply for your visa, you will need to determine which country you plan to visit. If you are going to travel to several countries within the Schengen Zone, then you will need to decide which country you will arrive to first. Once you know your first destination or your only destination country, you can then begin the application process for your visa.
- Complete and submit the Schengen visa application form. You will have to determine where the closest embassy or consulate for a Schengen country is in relation to where you are. Once you determine that, you will be able to fill out a Schengen visa application and submit it to that embassy or consulate. Each Schengen country processes application forms differently, so be sure to check with the embassy to see how you can submit your application.
- Provide the proper documentation for your visa requirements to the embassy. You must have a valid passport that will be valid for at least three months after the end of your trip. In order to have your application accepted, you must be able to show proof of financial support for your trip. This could be personal funding or funding that you are receiving from someone else. As mentioned earlier, you will also have to prove that you have purchased some type of Schengen visa insurance that will cover you for the duration of your trip in the event of illness or injury. Individuals who purchase Atlas International insurance are provided with a visa letter specifying covered countries, medical benefits, and insurance coverage period.
In some cases, traveling in the Schengen Zone will not require you to apply for a visa, but you need to know when it is necessary to have a Schengen visa. For those planning on traveling through Europe for more than 90 days, you will most certainly need to have an actual visa. If you are planning on only traveling throughout Europe for less than 90 days, then you will not need to go through the process of applying for a visa.
Traveling through Europe is a wonderful time to explore, learn, and discover. Because you will have freedom to visit so many places, you should be careful to take advantage of every opportunity that you come across. Traveling in Europe can be expensive. But by taking advantage of the rail system and the plentiful hostels, you can save money, which means you’ll have more left over for sightseeing, dining, and whatever else strikes your fancy. Of course, you also need to make sure you have proper documentation everywhere you go. In some cases, there may not be someone readily available to stamp your passport when you enter a new country. However, there are people at every port of entry that can provide you with this stamp, so you should seek them out. Having proper documentation on your passport is extremely important and will allow you to have a much safer and hassle-free experience.
Compare Schengen Visa Insurance Policies
|Covered Benefits||Provided With Atlas Travel||Atlas Travel Competitors|
|Guaranteed Acceptance||Yes: No medical underwriting is required for eligible individuals. See the Description of Coverage for full eligibility.||Yes. Some companies offer guaranteed issue policies.|
|Coverage for pre-existing conditions||Partially: Up to $100,000 lifetime maximum for the eligible medical expense for the acute onset of a pre-existing condition. See the Description of Coverage for more details.||Coverage Varies. Some companies offer no coverage or very little coverage for pre-existing conditions to non-U.S. citizens and coverage amounts can be as little as $2500.|
|100% coverage for accidents and injuries outside the U.S.||Yes: We will pay 100% of eligible medical expenses after the deductible, up to the overall maximum limit of the policy. See the Description of Coverage for more details.||Coverage Varies. Some companies expect members to pay coinsurance outside the U.S. even when using their PPO network|
|100% coverage for accidents and injuries inside the PPO||Yes: For eligible expenses within the PPO Network. See the Description of Coverage for more details.||Coverage Varies. Some companies expect members to pay coinsurance even within the PPO.|
|Sports coverage at no additional charge||Yes: Coverage for eligible injuries or illnesses related to sports activities. See the Description of Coverage for limitations.||No. Up to 20% additional cost to add coverage for sports|
|Emergency medical evacuations available 24/7||Yes, $500,000 in cover regardless of policy maximum||Yes, but coverage amounts for medical evacuation are much lower.|
|Complete online enrollment capabilities & immediate fulfillment||Yes: Selecting 'Yes' to online fulfillment when purchasing will ensure your policy information will be available to print once your application has been processed and your credit card approved||Varies.|
|Crisis response benefit||Yes: $10,000 certificate period maximum covering losses resulting from kidnapping or express kidnapping||No. Competitor travel medical plans do not include a crisis response benefit.|
|Personal liability benefit||Yes: $10,000 lifetime maximum covering losses due to a third-party injury or damage/loss of third-party personal property or related-third-party personal property. This benefit applies only for court-entered eligible judgments or approved settlements.||No. Competitor travel medical plans do not include a personal liability benefit.|
Getting the Most Out of Your Schengen Visa
You have received a Schengen visa, and most of Europe is now accessible during your upcoming business trip or vacation. This means you are going to want to see and do as much as possible, which can become overwhelming when you consider that there is so much waiting for you. If you are coming from far away, you will want to make the most out of your time in the Schengen area. Here are some quick tips for doing just that:
Tips for Getting the Most Out of Your Schengen Visa
- Stay in Hostels
- Travel By Rail
- Document Your Trip
- Eat Where the Locals Eat
- Passes Are Your Friends
- Stay in Hostels: Lodging while traveling abroad can be expensive. Shrink your hotel budget, and extend your stay in Europe by making use of the extensive hostel network throughout the continent. Hostels are a great and cheap way to stay somewhere when you travel. You may have to share a room with someone you do not know, and you will most likely have to use a communal bathroom, but that is part of the fun. After all, one of the best ways to expand your worldly knowledge is by meeting and talking to people from different parts of the world and staying in a hostel provides you with that opportunity. Hostels have a reputation for attracting young folks. If you’re older but still want the hostel experience, investigate elder hostels.
- Travel by Rail: Airfare is costly, and travel by automobile can be lengthy. If you want to travel long distances within the Schengen area, include rail travel in your plans. Almost every country in Europe has a great internal rail system, but there is also an extensive rail system that connects most of Europe. When you travel by train, you do not have to worry about looking up directions or about the hassles of the airport. Instead, you get to sit back and watch the scenery. Traveling by train is one of the best ways to see more of Europe as you move from city to city and country to country.
- Document Your Trip: Make sure your visa is stamped when you first enter the Schengen area, and keep copies of every document you needed to apply for your visa. Border officials will use the stamp to gauge the length and legality of your stay. You will want to keep as many written records as possible because you never know when you might be stopped at a border.
- Eat Where the Locals Eat: As you travel, seek out local fare from local restaurants and cafes rather than searching for familiar chain restaurants. Dining where the locals do brings you closer to the culture and the people of the country or city you’re visiting. If you’re not sure what to order, ask your server what they recommend, or ask someone at a nearby table. You’ll make connections, eat amazing food, and create a lasting memory.
- Passes Are Your Friends: Many cities and some countries offer longer term passes that allow you to enter different historical sites, museums, and other locales. Generally speaking, when you price these things individually, the cost of admission can really start to add up. However, when you purchase passes you pay one flat price and receive entrance into multiple venues, which makes the price well worth it. You can usually purchase these passes ahead of time, which will make everything much easier once you arrive to your destination(s).
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HCC Medical Insurance Services, LLC (HCCMIS) is a service company that is a subsidiary of HCC Insurance Holdings Inc. HCCMIS is regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.