Travel Insurance
Travel Insurance
Most embassies require travel medical insurance as part of a visa application, and every traveller benefits from cover against medical emergencies, trip disruption and lost baggage. Sky Travel & Tours arranges policies that meet Schengen and other embassy requirements.
Cover Typically Includes
- Emergency medical expenses and hospitalisation abroad
- Medical evacuation and repatriation
- Trip cancellation, curtailment and delay
- Loss of baggage, passport or personal documents
- Personal accident cover
- Schengen-compliant policies for European visa applications
Insurance for a Schengen Visa
European consulates set a specific standard rather than accepting any policy: cover must be valid across the whole Schengen area, run for the full duration of the intended stay, and include emergency medical treatment and repatriation up to the minimum sum the consulate specifies. Policies that fall short on any one of those points are rejected at the counter, and the application is delayed while a replacement is arranged. We issue policies written to meet that standard, with the certificate in the format the consulate expects.
Other Embassies
Requirements vary widely elsewhere. Some destinations mandate insurance as a condition of entry, some require it only for particular visa categories, and some simply recommend it. Where it is required, the wording on the certificate matters as much as the cover itself. We will tell you what your destination asks for rather than selling you more cover than you need.
What to Check Before You Buy
- The medical limit, and whether it is per person or shared across the family
- Whether repatriation and evacuation are included, not merely treatment abroad
- How pre-existing medical conditions are treated, and whether they must be declared
- Upper age limits, which apply on most standard policies
- Whether adventure activities — trekking, skiing, diving — are excluded
- The excess payable on a claim, and the deadline for notifying the insurer
Who Should Take Cover Even When It Is Not Required
A single night in hospital abroad can cost more than the whole trip. Older travellers, pilgrims performing Umrah, students leaving for a first term overseas, and anyone travelling with a young family are the groups most exposed. So is anyone on a non-refundable itinerary, where a cancellation for a covered reason is the difference between losing the fare and recovering it.
Making a Claim
Most insurers require the emergency line to be called before treatment where the situation allows, and almost all require original receipts and a medical report. Keep every document you are given abroad. If something goes wrong while you are travelling, call us as well — we can often deal with the insurer alongside you rather than leaving you to do it in a second language.
Frequently Asked Questions
Can I buy insurance after my visa is issued?
You can, but the consulate will have asked to see it at submission, so in practice the policy comes first. It should also start on the date you travel, not the date the visa is granted.
What happens if my visa is refused?
Many policies allow cancellation with a refund on proof of refusal. Ask us to confirm this for the policy you are considering before you buy.
Does it cover my existing medical condition?
Only if it has been declared and accepted, and often at an additional premium. An undeclared condition is the most common reason a genuine claim is refused.
Can I cover a whole family on one policy?
Yes, and family policies are usually cheaper than individual ones — but check whether the medical limit is per person or shared.
How We Help
- Expert visa consultation for your specific travel purpose and profile
- Reviewing and verifying your documentation before submission
- Guiding you through the complete application process
- Confirmed flight reservations and hotel vouchers for your file
- Travel medical insurance where the mission requires it