Insurance Products
Travel Health and Schengen Visa Insurance
Travel health insurance covers sudden illness, accidents, baggage loss and trip cancellation on domestic and international journeys. It is mandatory for Schengen visa applications.
At a glance
- Status
- Optional
- Core cover
- 5 sections
- Quote turnaround
- Same business day
Schengen visa applications require a travel health policy with a minimum of EUR 30,000 cover valid for the entire trip. The policy must cover the destination country and the whole Schengen area, and its validity dates must match the travel dates. Policies that fail these conditions can lead to visa refusal.
Cover matters just as much outside visa requirements. Treatment costs abroad following sudden illness or an accident can be extremely high depending on the country. The policy covers emergency medical treatment, hospital transfer, medical repatriation and repatriation of remains.
Optional extensions broaden the policy: baggage loss and delay, flight delay, trip cancellation or curtailment, passport loss and legal assistance. For professionals travelling several times a year, annual multi-trip policies are more economical than buying cover for each journey.
What Is Covered
- Emergency medical treatment
- Covers treatment costs for sudden illness and accidents occurring during the trip.
- Medical transport and evacuation
- Covers ambulance, air ambulance and repatriation costs where medically necessary.
- Baggage loss and delay
- Compensates airline-caused baggage loss and delays beyond a set period.
- Trip cancellation and delay
- Covers costs of a trip cancelled for reasons specified in the policy.
- Repatriation of remains
- Covers the cost of returning remains to Türkiye in the event of death abroad.
Who Is It For?
- Travellers applying for Schengen and other visas
- Those planning holidays, study or business trips abroad
- Professionals travelling more than once a year
- Travellers on long domestic trips and camping expeditions
What Is Not Covered
- Planned treatment of pre-existing chronic conditions
- Travel undertaken for medical treatment and planned surgery
- Professional and extreme sports unless added as an extension
- Incidents occurring under the influence of alcohol or drugs
What Affects the Price
Premiums vary between insurers according to the factors below. We compare 27 partner insurers to find the best fit for your profile.
- Trip duration and destination country or region
- Age of the insured
- Coverage limit (EUR 30,000 / 50,000 / 100,000)
- Single trip versus annual multi-trip cover
Frequently Asked Questions
What cover does a Schengen visa require?
A policy with at least EUR 30,000 cover valid across the entire Schengen area for the full duration of the trip.
When should I buy the policy?
Before submitting your visa application. Policies are usually issued the same day and sent by email.
Is the premium refunded if my visa is refused?
Most insurers cancel the policy and refund the premium on presentation of the refusal document. Terms vary by insurer.
Is annual travel cover available?
Yes. Annual multi-trip policies remove the need to buy a new policy for every departure.