How to Get Schengen Travel Insurance from Singapore
If you’re planning to visit the Schengen Area from Singapore, securing travel insurance is not just a wise choice — it’s a mandatory step. In this article, I’ll guide you through the process of obtaining Schengen travel Insurance from Singapore, ensuring that your journey is both compliant and worry-free.
Do Singaporeans Need Schengen Travel Insurance to Visit EU Countries?
When planning a trip to the European Union, Singaporeans often wonder whether Schengen travel insurance is a necessity. Not only does it fulfill the mandatory criteria for obtaining a Schengen visa, but it also provides a safety net against unexpected events such as medical emergencies, trip cancellations, or lost luggage. This can be particularly important in a region where healthcare costs vary significantly and can quickly become burdensome without adequate coverage.
The reality is that without it, travelers could face significant financial risks. In the event of a medical emergency, for example, costs can soar, leaving individuals to pay out of pocket in emergency situations.
Best European Travel Insurance Plans from Singapore
When planning a trip to Europe from Singapore, understanding the separate European travel insurance rules based on nationality is crucial for ensuring a smooth journey. Travelers need to be aware that each European country may have specific requirements that can vary significantly depending on one’s nationality. Here’s a list of the best plans available for Singaporean travelers heading to Europe:
Europ Assistance Schengen Plus
- This plan offers medical coverage up to €60,000
- Valid for single tourist, family and business travellers
- Reimbursement in case of visa refusal
- Support for sickness, injury trip cancellations, lost luggage and even personal liability
- Prices start from €5 per person.
- Support in case of death
- Geographic coverage
- Includes travel within the Schengen zone, as well as Cyprus, Ireland, and the UK
- Stay extension upto 12 months
- Return and placement of a travel companion
- Supervision of minors
- This insurance is accepted for Schengen visa applications from Singapore
Mondial Care Tourist Travel Insurance
- Healthcare Costs & Hospitalization Coverage up to €150,000
- If your personal luggage is lost, damaged, stolen, or destroyed, Mondialcare will reimburse you for up to €1,000 per person, which includes a maximum of €500 for valuable items.
- This applies to trips lasting up to 90 days within Europe and globally.
- Coverage for luggage and personal items, as well as for flight delays or trip cancellations are optional
- Coverage for bail expenses is also available as an option.
- This insurance is accepted for Schengen visa applications from Singapore
Schengen Visa Insurance Requirements for Singaporean Citizens/Residents
When planning a trip to the Schengen Area, Singaporean citizens and residents must be mindful of the specific insurance requirements to ensure a smooth journey.
- A valid Schengen Visa insurance must cover at least €30,000 in medical expenses, including emergency medical treatment and repatriation
- Insurance must also be valid across all Schengen countries
- It must align precisely with the length of stay in the Schengen Zone
- Insurance should include coverage for all expenses related to not just medical emergencies but also trip cancellations, loss of personal belongings, and even legal assistance.
How to Buy Schengen Travel Health Insurance from Singapore?
When purchasing Schengen travel health insurance from Singapore, it’s crucial to understand the specific requirements laid out by the Schengen visa regulations.
- To purchase this insurance from Singapore, start by visiting the websites of reputable providers like Europ Assistance or MondialCare.
- These platforms offer tailored policies that meet the Schengen visa requirements
- As you explore your options, pay attention to the coverage limits and specific benefits offered
- Click on the “quote” button to start your journey towards comprehensive coverage
- Fill out the form with essential details about your trip, including your destination and duration of stay
- Select the number of people traveling under the policy. This step allows you to customize coverage for family members or friends accompanying you
- After reviewing the options and benefits, complete your purchase effortlessly online
- With just a few clicks, you’ll have access to vital medical services and support
Who Can Apply for a Schengen Visa from Singapore?
For nationals of Singapore, applying for a Schengen Visa is a relatively straightforward process, given their strong passport status. It’s essential to note that even Singaporean citizens must meet specific criteria to ensure their application is successful. Individuals who plan to visit the Schengen Area for tourism, business, or family visits can apply, but they must provide adequate documentation, including proof of accommodation and financial means. Those who have been previously denied or banned from entering any Schengen country may face additional scrutiny, making it crucial to address any past issues transparently in their application.
Can I Buy Travel Insurance From a Singaporean Travel Health Insurance Company?
Yes, you can buy travel insurance from a Singaporean travel health insurance company, and it’s a wise decision for anyone venturing abroad. Singapore boasts a robust list of approved travel insurance providers, ensuring that you have ample options tailored to your unique needs.
However, it’s important to note that Singaporean senior citizens over 75 may face restrictions with some insurance policies.
List of Approved Travel Insurance Providers (TMI) in Singapore
| Insurance Provider | Policy name – Adult Age below 70 years | Coverage Area | Medical cover (Sing dollar) | Medical Evacuation cover (Sing dollar) | Repatriation cover (Sing dollar) |
| AXA | Travel Insurance AXA Smart Voyage – Platinum Plan | Schengen Area Global | Euro 100,000 250,000 | Euro 100,000 Unlimited | Euro 100,000 50,000 |
| AIG | AIG Travel Guard – Classic Plan + Standard Plan | Worldwide/ Zone 3 | 200,000 200,000 | 500,000 200,000 | Unlimited 500,000 |
| Allianz | Allianz Travel Insurance – Bronze Plan | Global | 400,000 | 500,000 | 50,000 |
| AIA | AIA Round the World Plus – Classic Plan | Worldwide | 200,000 | 500,000 | As Charged |
| Chubb | Chubb Voyage Guard – Essential Plan | Worldwide | 500,000 | 500,000 | 500,000 |
| Etiqua | Etiqua – ePROTECT Travel – Basic Plan | Worldwide | 250,000 | 1,500,000 | 1,500,000 |
| Great Eastern | GE Travel Smart Premier – Classic Plan | Zone 2 | 300,000 | 1,000,000 | 50,000 |
| MSIG | MSIG Enhanced Travel Protector – Gold Plan | Area C | 250,000 | 1,000,000 | 1,000,000 |
NTUC Income | NTUC Travel Insurance – Classic Plan | Worldwide | 250,000 | 50,000 | 50,000 |
| Sompo | Sompo TravelJOY – Vital Plan | Area D | 150,000 | 600,000 | 600,000 |
| UOI | Insure & Travel Policy – Essential Plan | Worldwide | 300,000 | Unlimited | Unlimited |
Conclusion
In conclusion, obtaining Schengen travel insurance from Singapore is a straightforward process that ensures peace of mind while you explore Europe. By understanding the specific requirements of the Schengen visa and selecting a policy that covers medical emergencies, trip cancellations, and other unforeseen events, you can travel confidently. It’s essential to compare different insurance providers to find a plan that best suits your needs and budget. Remember to read the policy details carefully to ensure it meets all Schengen requirements.
FAQ
Can I use my existing health insurance for Schengen travel?
It depends. Your existing health insurance may not meet the specific requirements of Schengen travel insurance, so it’s essential to check with your provider.
How long does it take to get Schengen travel insurance?
Typically, you can obtain Schengen travel insurance almost instantly online, often within minutes of completing your application.
What should I do if I need to make a claim while in Europe?
Contact your insurance provider immediately for guidance on how to file a claim. Keep all relevant documents and receipts related to the incident.
Do non-Singaporean citizens need Schengen travel insurance to visit EU countries?
Yes, all travelers, including non-Singaporean citizens, are required to have valid Schengen travel insurance when visiting EU countries that are part of the Schengen Agreement.
Are Europ Assistance or MondialCare insurances available to buy from a broker in Singapore?
Yes, both Europ Assistance and MondialCare provide options through brokers in Singapore, allowing you to compare plans and find the best coverage for your needs.
Should Singaporean residents purchase travel insurance that cover all Schengen countries?
Yes, it is highly recommended for Singaporean residents to purchase travel insurance that covers all Schengen countries.
