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schengen travel insurance

SCHENGEN TRAVEL INSURANCE

Schengen Travel Insurance for Europe (Official Visa-Compliant Coverage)

Travel Europe with total confidence. Get your Schengen-compliant insuance certificate instantly - from just AED 56 per person.

✅ Schengen visa insurance certificate issued instantly by email

✅ Up to USD $50,000 emergency medical cover (exceeds the €30,000 visa requirement)

✅ Covers all 29 Schengen Area countries

✅ Family plans - children travel at 50% off

✅ Trusted by millions worldwide - #1 global insurance brand for 7 consecutive years

Traveler age 1

We cover travellers from 0 to 85 years-old.

Traveler age 1

We cover travellers from 0 till 85 years-old

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🌍 #1 Global Insurance Brand

Ranked #1 worldwide for 7 consecutive years in a row by Interbrand

⚡Instant Certificate

Schengen-compliant certificate sent to your inbox within minutes

🏥 $50K Medical Cover

Exceeds the mandatory €30,000 Schengen visa requirement

🕐 24/7 Emergency Help

Round-the-clock global assistance helpline: +971 4 270 8705

What is Allianz Schengen Travel Insurance?

Schengen travel insurance is a specialised type of travel insurance designed to meet the mandatory requirements of the Schengen visa application process. It is a legal prerequisite for any non-EU traveller - including UAE residents and expatriates - who needs a visa to enter the Schengen Area.

The Schengen Area covers 29 European countries that have eliminated internal border controls, creating a unified travel zone spanning from Portugal to Finland. To obtain a Schengen visa, every applicant must provide proof of valid travel insurance that meets strict criteria set by the European Commission.

What Makes Allianz Insurance 'Schengen-Compliant'?

Not every travel insurance policy qualifies as Schengen visa insurance. To be accepted by European embassies and consulates, a Schengen travel insurance policy must:

  • Provide a minimum of €30,000 (approximately USD $32,000) in emergency medical coverage
  • Cover the entire duration of your intended stay in the Schengen Zone
  • Be valid across all 29 Schengen member states
  • Include emergency medical evacuation and repatriation of remains
  • Come with an official insurance certificate (not just a policy document) that embassies will accept
  • Allianz Schengen Travel Insurance from UAE provides USD $50,000 in emergency medical coverage - significantly exceeding the minimum requirement - along with an instantly issued, embassy-accepted certificate that is automatically sent to your email upon purchase.

Who Needs Schengen Travel Insurance?

Schengen visa insurance is required for travellers whose nationality requires a visa to enter the Schengen Area. Whether you are an Indian, Pakistani, Filipino, Egyptian, or other nationality residing in the UAE, if your passport requires a Schengen visa, you must hold valid Schengen travel insurance throughout your trip.

Even if you do not need a Schengen visa (e.g., US, UK, or Canadian passport holders), we strongly recommend purchasing travel insurance for Europe, as medical costs across Europe can be significant without coverage.

👤 Individual Travellers

Solo trips, business travel, or tourist visits to Europe. Any individual aged 0–85 years can be covered under our Schengen travel insurance policy.

👨‍👩‍👧 Families

Travel as a family with our special family package rates. 2 adults with unlimited children listed on a single, easy-to-manage policy. Plus, children travel at 50% off.

👵 Senior Travellers

We cover senior travellers up to 85 years of age. Our Schengen visa insurance for seniors ensures you have access to the medical support you need abroad.

Schengen Visa Insurance Requirements - What VFS Checks

When you submit your Schengen visa application at a European embassy or consulate in Dubai or Abu Dhabi, the visa officer will check your travel insurance against specific criteria. Here is exactly what your Schengen travel insurance must prove:

Minimum Coverage of €30,000

Your Schengen visa insurance must provide at least €30,000 (approximately USD $32,000) in emergency medical expense coverage. Allianz provides USD $50,000 - well above the minimum requirement.

Coverage for the Entire Schengen Zone

The policy must be valid in all Schengen Area countries - not just your primary destination. This is especially important for multi-country itineraries.

Coverage for the Full Duration of Stay

Your Schengen travel insurance must cover every day of your intended stay - from your entry date to your exit date. Coverage cannot be purchased after your trip has started.

Emergency Medical Evacuation and Repatriation

Your policy must include coverage for emergency evacuation to the nearest suitable medical facility and repatriation to your home country if medically necessary.

Official Insurance Certificate

You must submit an official insurance certificate - not a payment receipt or a policy summary. With Allianz, your Schengen-compliant insurance certificate is emailed to you instantly upon purchase and is accepted by all European embassies.

IMPORTANT: Your nationality - not your country of residence - determines whether you need a Schengen visa. Check with the relevant European embassy in the UAE to confirm your visa requirements before purchasing.

All Allianz outbound travel insurance products from UAE are Schengen-compliant by default, meaning every policy meets these mandatory visa requirements from day one.

Why Choose Allianz for Your Schengen Travel Insurance?

Allianz is not just another travel insurance provider. With over 125 years of global insurance expertise and operations in more than 70 countries, Allianz Travel is the most trusted name in travel protection worldwide. Here is why over 96% of our customers report satisfaction:

🏆 #1 Global Insurance Brand

Rated the world's number one insurance brand by Interbrand for 7 consecutive years - a track record that no other insurer can match.

💰 Starting from AED 56

Affordable Schengen visa insurance that does not compromise on coverage. Get the protection you need at a price that makes sense for your budget.

⚡ Instant Certificate Delivery

Your official Schengen insurance certificate is generated and emailed to you the moment you complete your purchase - ready for your visa appointment.

👨‍👩‍👧 Family-Friendly Plans

Children under 18 travel at 50% off when added to a family Schengen travel insurance policy. Cover everyone in one simple plan.

🌐 Covers All 29 Schengen Countries

Whether you are visiting France for the Eiffel Tower, Germany for Oktoberfest, or Italy for the Amalfi Coast, one Allianz policy covers your entire European journey.

🕐 24/7 Assistance

Our emergency helpline is available round the clock. Whether you need emergency medical support in Vienna or trip assistance in Barcelona, we are always a call away.

How Much Does Schengen Travel Insurance Cost from UAE?

Schengen travel insurance from Allianz starts from just AED 56 per person for a single-round-trip policy. Your exact premium depends on:

  • Duration of your trip (number of days in the Schengen Area)
  • Number of travellers (including family members)
  • Your selected coverage plan
  • Age of the travellers

Use the quote calculator above to get your exact Schengen insurance price in under 60 seconds. No phone calls. No paperwork. Just instant online coverage.

Calculate My Schengen Insurance Price

Schengen Travel Insurance By Country

Planning to visit a specific European destination? Our Schengen travel insurance is valid across all 29 member states, but if you want country-specific guidance on visa requirements, embassy contact details, and travel tips, explore our dedicated country pages:

Schengen Travel Insurance for Belgium

Schengen Travel Insurance for Denmark

Schengen Travel Insurance for Estonia

How to Buy Schengen Insurance Online - 3 Simple Steps:

Buying your Schengen visa insurance from Allianz takes less than 3 minutes. Here's how:

Step 1 - Enter Your Trip Details

Enter your destination (up to 3 Schengen countries), your travel dates, your country of residence, and the number of travellers. If you have a promotional code, enter it here.

Step 2 - Select Your Plan and Review Coverage

Review the coverage options and select the plan that best fits your needs. Our single-trip Schengen plan is the most popular choice for first-time European travellers from the UAE.

Step 3 - Pay and Receive Your Certificate Instantly

Complete your secure online payment. Your official Schengen-compliant insurance certificate will be emailed to you instantly - ready to attach to your Schengen visa application.

Buy Schengen Insurance Now

What UAE Travellers Say About Our Schengen Insurance

Don't just take our word for it. With a 4.5/5 eKomi rating from verified policyholders, Allianz Travel UAE is the Schengen insurance provider trusted by thousands of UAE-based travellers every year.

eKomi Seal
Schengen Product
4.4 / 5
Rating based on 84 reviews

Frequently Asked Questions

We're here to help! Below are answers to some of the most commonly asked questions about our Schengen travel insurance. If you need further assistance or have additional questions, please feel free to reach out to us at [email protected]. Our team is ready to assist you.

Schengen Visa Requirements

Yes. Schengen visa insurance is a legal requirement for all non-EU nationals who require a Schengen visa to enter Europe. Without valid Schengen travel insurance, your visa application will be rejected. The insurance must provide a minimum of €30,000 in emergency medical coverage, cover the full duration of your stay, and be valid across all Schengen Area countries.

Allianz provides an instantly issued, embassy-accepted certificate that meets all these requirements.

Even if you already have international health insurance, you may still need to purchase a travel insurance policy that specifically meets Schengen visa requirements. This includes clearly defined coverage limits, eligible territories (Schengen area), and compliance with embassy criteria. Not all health insurance policies meet these requirements, so it’s important to ensure your coverage is fully compliant.

You can get your Schengen insurance for just AED 56 per person. This varies per duration and number of travellers. You can get an instant quote easily.

Regular travel insurance is a broad category of trip protection that varies widely in what it covers. Schengen travel insurance is a specific subset of travel insurance that is engineered to meet the European Union's mandatory requirements for Schengen visa applicants - including the minimum €30,000 medical coverage, repatriation cover, and multi-country validity.

All Allianz outbound travel insurance products from UAE are Schengen-compliant, meaning even our standard single-trip and annual multi-trip plans qualify for Schengen visa purposes.

Allianz Schengen travel insurance covers all 29 countries in the Schengen Area: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

A single policy covers your entire multi‑country European itinerary - you do not need separate policies for each country.

If your nationality is visa-exempt for the Schengen Area (such as UK, US, Canadian, or Australian passport holders), you are not legally required to hold Schengen travel insurance. However, we strongly recommend purchasing Europe travel insurance regardless. Medical treatment in Europe is extremely expensive - a single day of hospitalisation in Switzerland can cost over USD $1,000. Without insurance, you would be personally liable for any medical bills, evacuation costs, or trip disruption expenses.

Coverage & Benefits

Allianz Schengen travel insurance provides the following core coverage:

  • Emergency medical expenses up to USD $50,000 (hospitalisation, surgery, outpatient treatment)
  • Emergency medical evacuation and repatriation to your home country
  • Repatriation of mortal remains
  • Return of dependents (under 18) if you are hospitalised 
  • Emergency family travel - a close relative can be flown to your bedside
  • Emergency dental treatment (up to USD $100)
  • Trip cancellation (up to USD $2,000)
  • Baggage loss (up to USD $1,000) and baggage delay (up to USD $200)
  • Search and rescue (up to USD $1,000)

All Allianz Schengen travel insurance policies are compliant with the mandatory €30,000 minimum medical coverage requirement for Schengen visa applications.

Allianz has one of the largest global medical networks and, in most cases, can arrange direct billing with healthcare providers, so you do not need to pay upfront.

However, coverage and payment method are always subject to the policy terms and conditions. In certain situations, you may need to pay initially and submit a claim for reimbursement.

For any medical emergency, please contact our 24/7 Emergency Assistance Team immediately:

Purchase & Documentation

Your insurance policy documents will be sent immediately after payment to the email address provided during the booking process.

If you do not receive your documents for any reason, please contact us at [email protected] or call +971 4 270 8705 for assistance.

Your policy will include all key details required for travel and visa purposes, such as:

  • Policy number
  • Insured person(s) names
  • Dates of birth
  • Passport number(s)
  • Policy purchase date
  • Coverage start and end dates
  • Premium paid
  • Selected destination country/countries
  • Coverage territory (Schengen Area)

Yes, your Certificate of Insurance will include a digital stamp and a digital signature, making it fully valid and acceptable for official use, including visa applications.

You should purchase Schengen travel insurance before submitting your Schengen visa application - not before your travel date. Since visa processing can take 2 - 4 weeks or more, it is advisable to buy your Schengen visa insurance at least 3 - 4 weeks before your intended departure.

Note that once purchased, the dates on your policy cannot be changed, so confirm your travel dates before buying.

All valid policies must be purchased prior to your departure from the United Arab Emirates (UAE).

Policies purchased after departure will be deemed as invalid.

Cancellations & Refunds

Once a policy has been issued, changes to travel dates are not allowed. However, you may request a cancellation and refund, provided that:

  • Your trip has not started, and
  • The policy has not yet incepted, and
  • No claims have been made

You can then purchase a new policy with the correct travel dates.

Yes. Visa rejection is one of the covered conditions under Trip Cancellation. If your schengen visa application is rejected, you can request a policy cancellation and refund - even beyond the standard 14-day cancellation period - provided that:

  • Your trip has not started yet, and
  • No claims have been made on the policy, and
  • You submit a copy of the official visa rejection letter from the embassy.

Please contact the Allianz Travel UAE team as soon as you receive the rejection to initiate your request. 

Claims & Assistance

To make a claim on your Allianz Schengen travel insurance policy:

  • Online Claim Portal: You can open a claim through our Online Claim Portal. Simply access the portal, select the appropriate type of claim (e.g., trip cancellation, medical), and follow the steps to enter the requested information and upload the necessary documentation. Once completed and submitted, you will receive a confirmation email from us. Our Travel team will then contact you to continue the process.
  • Phone: Call us at +971 4 270 8705 for assistance with your claim.
  • Email: Send your claim details to [email protected] for support
  1. Keep all original receipts and medical reports from your trip. The sooner you submit your claim after returning, the faster the processing time.

You can submit a non-medical claim by:

Eligibility

This policy is intended for UAE residents traveling to Schengen countries for short-term visits (up to 90 days), with the intention of returning to the UAE.

It does not cover non-UAE residents or individuals traveling for the purpose of migration, long-term residence, or relocation.

Allianz Schengen travel insurance covers travellers from 0 to 85 years of age.

Children (aged 0–18) can be added to a family policy at 50% of the adult premium. Senior travellers up to 85 years old are fully eligible - though premiums may be higher due to age-related medical risk factors.

Use our online quote widget to confirm pricing for your specific age group.