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How to Apply for a Schengen Visa if You’re Jamaican Part Three – Travel Insurance

by Stephanie Koathes Jan 6, 2020

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In Find Yello’s series on how to apply for a Schengen visa if you’re Jamaican, we’ve shared information on how to fill out the application form and what documents you need. Now, with the help of Schengen Visa Info, we’re sharing everything you need to know about travel insurance for your trip.

For Jamaicans wanting to travel to the Schengen area, proper health insurance is not just a recommendation, but a requirement for visa application and approval.

According to the latest statistics, in 2018, more than 5,300 people from Jamaica applied for Schengen visas. Over 5,000 entered the largest border-free area in the world on a Schengen visa.

Schengen health insurance is something that must be put in place to have your visa application approved and have a safe and comfortable journey as well. It is an aspect of the visa process that some people find challenging.  With that in mind, here are four top things to keep in mind when looking for proper health insurance to travel to the Schengen area.

Find a cost-efficient Schengen health insurance company

You’d expect that cost and coverage go hand in hand, but unfortunately, that is not often the case with health insurance providers. There are many companies offering health insurance plans and you have to be able to make informed decisions to sort out the most convenient ones both in terms of price and coverage. You don’t want to get stuck with an expensive health insurance plan which does not offer proper coverage.

AXA Schengen health insurance is one of the most recommended by experts and travellers in the Schengen area. It offers a wide selection of health insurance plans at affordable prices and with lots of benefits. Better still, under AXA’s health insurance, you won’t need to present any statement from a doctor for your actual health care situation. With AXA and similar online Schengen health insurance providers such as Mawista, you purchase your coverage and can print your statement immediately.

Passport with Schengen visa and stamps from Schengen countries.

You can also look to local providers of valid travel insurance for Schengen visas such as Guardian Life, Sagicor Life, Grace Kennedy Insurance, and Key Insurance. You must have a minimum of 30,000 euros in coverage Schengen-wide, and your provider must have a representative office in at least one Schengen country.

Check with your insurance company to see if you’re covered. If you’re adequately covered, you will need to give the visa officer a letter from your provider confirming this when you attend your visa interview.

Pay extra attention to timing

First and foremost, lay out a detailed schedule of your planned visit even if that includes taking some notes. Do keep in mind that the processing of visa applications takes some time and applicants are required to submit them at least three months before the intended visit. Being aware of this will allow you to set a validation period for your insurance that matches your time in the Schengen zone.

Existing rules are very clear in that they specify you must have health insurance for the entire period of your stay in the Schengen zone. On a Schengen visitor’s visa, you can enter and reside in the territory of member states for stays up to 90 days.

Your planned visit and insurance plan have to match up

When selecting Schengen travel health insurance, the company will ask you about the day you are planning to travel to the area. Similarly, when applying at the Schengen embassy or the application centre officials, there will ask you the same question. Always make sure those dates match. You will not be issued a visa for dates not covered by your insurance.

You still need to pay upfront

If you need to see a doctor while travelling in the Schengen area, always remember that you have to pay upfront. So, when setting your financial plan for your trip to Europe, take this into account. Many, who fail to recognise this, take money only for other predictable expenses and when faced with unwanted medical issues, realise they don’t have enough money.

Thank you to Granit Sadiku at Schengen Visa Info for sharing information on travel insurance for Jamaicans going to Europe.

We hope this makes your visa application go smoothly!

Remember to check out our guide to applying for a Schengen visa if you’re Jamaican, the documents you need, and ways to visit Europe without breaking the bank.