Travel Insurance for Schengen Visa from the Philippines

Planning to visit Europe? If you’re applying for a Schengen visa, travel insurance isn’t optional—it’s a required part of the application process. In this guide, we’ll walk you through why insurance is needed, what kind of coverage is accepted, and where to get a compliant policy here in the Philippines.

🛂 Why You Need Travel Insurance for a Schengen Visa

One of the official requirements when applying for a Schengen visa is proof of travel insurance with minimum medical coverage of €30,000. You’ll need to submit this as part of your visa application—no exceptions.

✅ Be valid for all 27 Schengen countries
✅ Cover emergency medical expenses and repatriation
✅ Be valid for the entire duration of your trip

That’s why getting this early in your application process is critical.

💼 Pacific Cross Travelsafe Plans Meet Schengen Requirements

At Triphappy.ph, an Authorized Agent of Pacific Cross, we offer plans that meet all Schengen embassy standards.

You’ll receive an official certificate of coverage that can be attached to your visa application—and in most cases, it’s accepted without issue by European embassies and consulates.

💸 What If Your Visa Gets Denied?

We understand that not all applications are approved. That’s why we offer a 50% refund on your travel insurance premium if your Schengen visa application is denied, subject to these conditions:

The policy must be unused (no claims made)
You must present proof of visa denial
Refund request must be submitted within a reasonable time

Reach out to us if this happens—we’ll guide you through the process. You can also view your options for travel insurance in the Philippines on our site.

📋 What Should Your Schengen Travel Insurance Cover?

Here’s a checklist of what to look for in a compliant policy:

✅ At least €30,000 medical coverage
✅ Covers emergency hospitalization and repatriation
✅ Valid throughout the Schengen area
✅ Covers the entire duration of your stay
✅ Issued by a reputable provider
✅ Provides a certificate of coverage for embassy submission

Good news: All of these are included in our Pacific Cross plans.

Note: As per Schengen visa policy guidelines, applicants must present travel insurance with a minimum of €30,000 medical coverage, valid across all 27 Schengen countries. This requirement is outlined by the European Commission and enforced by embassies including those in the Philippines. See official reference: European Commission Visa Policy.

✈️ More Than Just Medical Coverage

A good travel insurance policy does more than just meet visa requirements. With Pacific Cross, you’re also covered for:

🦠 COVID-19 in-patient care
💻 Lost or stolen gadgets
🧳 Baggage delays or damage
⚖️ Personal liability
🛬 Flight delays and trip cancellations
🚑 Medical evacuation and repatriation

Read our full guide on Travel Insurance Inclusions and Exclusions to see everything that’s covered (and what’s not).

📚 Related Travel Insurance Guides

✈️ Get Your Schengen Visa Travel Insurance Today

Ready to secure your policy? We make it easy.

You can get Schengen-compliant travel insurance here—backed by Pacific Cross and supported by a licensed team in the Philippines. We’ll issue your certificate fast and ensure your coverage meets embassy requirements.

❓ Quick FAQs

✅ Is travel insurance required for Schengen visa applications?

Yes, it’s mandatory. You must submit travel insurance with at least €30,000 coverage for medical emergencies and repatriation.

💸 What happens if my visa is denied?

We offer a 50% refund of your insurance premium (subject to terms) if your visa is denied and the policy hasn’t been used.

🗺️ Does the insurance need to cover all 27 Schengen countries?

Yes. The policy must be valid for the entire Schengen area, not just one country.

📍 Where can I get Schengen-compliant travel insurance in the Philippines?

Right here—you can compare travel insurance plans from Triphappy.ph with embassy-ready documentation.

📆 How long should the policy be valid?

It should cover the entire duration of your trip, and ideally extend a day or two beyond your return date in case of delays. However, note that different embassies may have specific minimum coverage duration requirements – always check the requirements of the embassy you’re applying to.

⚠️ Disclaimer

The information provided above is for general guidance only. Specific embassy requirements may vary depending on country, purpose of travel, and applicant profile. Always double-check with the embassy or consulate you’re applying to, and read the full policy terms and conditions before purchase.