How to buy Schengen Travel insurance from Algeria?

Date: 22/10/2024

Whether you are from Algiers, Oran, Constantine or Tamanrasset, all Algerian citizens need to apply for a Schengen visa to visit France, Belgium, Italy or any other country of the Schengen area. Whatever your reasons for travelling (tourism, business, sports competition, etc.), subscribing to medical travel insurance is compulsory in order to obtain your visa.

Here’s all you need to know to subscribe to Schengen travel insurance from Algeria.

• Schengen travel insurance is compulsory
• Schengen travel insurance must meet several criteria to be accepted
• When should you subscribe to travel insurance in your Schengen visa application process?
• How to obtain quickly your visa travel insurance certificate?
• Why choose AXA Schengen travel insurance?
• What are the three AXA Schengen visa insurance options?

Travel insurance is compulsory to obtain a Schengen visa

To obtain a visa allowing you to enter, travel and stay in the Schengen area, you will need to provide proof that you are covered by travel insurance during the entire duration of your trip. This insurance is mandatory. Without it, no visa will be delivered.

While it is compulsory, it is not included with the visa itself and cannot be obtained from the same authorities delivering visas. You must thus subscribe to insurance with a private company.

Beware! Make sure this coverage complies with the criteria defined by Schengen authorities in order for your travel insurance to be considered as valid, a necessary condition to obtain your visa.

Schengen travel insurance must meet several criteria to be accepted

In the visa Code, European authorities have defined the criteria which must be met by travel insurance in order for a visa application to be examined:

• It must cover all expenses concerning medical care and emergency hospitalisation which you might need during your stay, as well as expenses entailed by sanitary repatriation or repatriation of remains in case of death.
• Medical expense coverage must be minimum €30,000. It can of course go beyond.
• It must provide coverage for the entire duration of your stay.
• It must be valid in all Schengen member countries (not just the ones you plan to visit)
• It must be purchased from an insurance company validated by the consular authorities of all Schengen countries.

Before subscribing to travel insurance, make sure it meets all the Schengen requirements.

When should you subscribe to travel insurance in your Schengen visa application process?

When you apply for your visa, i.e. several weeks prior to your scheduled departure, you will need to provide an insurance certificate. Subscribing to travel insurance before handing in your application is thus necessary as the certificate must be enclosed with your visa demand.

Good to know : When subscribing, you will enter the dates of your stay and will only pay for that duration, not from the day you originally subscribed.

How to obtain your visa travel insurance certificate quickly?

As your travel insurance certificate must be enclosed with your Schengen visa application, insurance companies deliver it when you subscribe to Schengen travel insurance. It is either given to you directly by your insurance agent or, if you subscribe online, automatically sent via email or made available in your personal account.

Why choose axa Schengen travel insurance?

• Its coverage meets the requirements necessary to obtain a Schengen visa, including in terms of risks (medical expenses, hospitalisation, death), minimum expense (€30,000) and geographical scope (valid in all the Schengen area and further more).
• It is certified and thus accepted by the consulates and embassies of all the countries of the Schengen Area.
• Expenses are fully covered, without any deductible applied.
• Subscription is carried out online: simple and easy
• Your insurance certificate is immediately available to enclose with your visa application.
• If your visa is denied, your subscription will be refunded. The official documents stating the refusal will need to be provided.
• According to the chosen option, you will enjoy additional benefits.
• It is affordable and its daily cost decreases for long stays.
• Top-quality, professional remote video and phone medical consultations — in English, French, and several other languages — with our unique and free “Doctor, please!” service.
• Three different options are adapted to all needs and budgets.

What are the three Schengen visa insurance plans?

1. The Schengen Low Cost option

It is the most accessible and affordable option, offering basic but complete coverage required to obtain a Schengen visa:

• • It protects you during the entire length of your stay (up to 180 consecutive days).
  • You are covered in all the countries of the Schengen Area + the 4 European micro-States (Andorra, Monaco, San Marino and the Vatican).
  • Your medical expenses, emergency hospitalization, sanitary repatriation and expenses in the event of death are covered for up to €30,000.
  • The cost of insurance is calculated per range, according to the number of days covered

1. The Schengen Europe Travel option

An extended offer compared to the Low Cost option, its cost is also calculated per range, depending on the numbers of days of the trip:

• The zone covered is extended to all countries of the Schengen area + European Union + the European micro-States as well as the United Kingdom.
• Expenses are covered up to €100, 000.
• Coverage includes search and rescue costs up to €5, 000.
• It also covers the repatriation costs of the other insured people travelling with the hospitalised or ill traveller.
• In case of hospitalisation, it offers assistance to the insured if they are travelling alone, a daily compensation for expenses, the payment of the costs entailed by the extension of their stay if necessary, as well as accommodation for the person travelling with the insured and/or their children.
• If the insured is not able to take care of their underage children (aged under 18), it covers the costs of the return trip of a person chosen by the family to collect the children and bring them back to their home country.
• In case of death, it covers the costs of the anticipated repatriation of the other insured parties and their luggage.
• It also includes several other additional services such as the transmission of urgent messages, coverage of communication expenses, theft of identity or travel documents, anticipated return trip in case of emergency, delivery of medication, glasses, prosthesis necessary for the insured to continue their stay.

1. The Multi-trip option

This offer is identical to the Europe Travel option when it comes to coverage and services.

The difference resides in the fact that it is available as a yearly subscription.

It allows holders of a Schengen multiple-entry visa who travel regularly to the Schengen countries during the year, to enjoy permanent coverage during their trips as soon as they enter the European zone. As a result, they don’t have to worry about subscribing to new travel insurance every time they go on a trip.

Get your free no-obligation Schengen Travel Insurance quote
 

You might also find these articles interesting

• What type of Schengen visa do I need?
• What documents are required for a Schengen Visa Application?
• How Long Does It Take to Get a Schengen Visa?
• ETIAS - NEW requirements to travel to Europe

FAQ

Where can I get a travel insurance certificate?

When you subscribe to insurance, your provider must automatically deliver a certificate which proves to a third party (the owner of your apartment for example) that you are covered against a certain number of risks. It is even more important when it comes to Schengen travel insurance, as a certificate must be enclosed with your visa application.
When you subscribe to axa travel insurance, you will immediately obtain your insurance certificate. Find out where you can find your travel insurance certificate.

Is travel insurance included with the Schengen visa?

No, even if it is compulsory to obtain a Schengen visa. A visa is an administrative authorisation to enter, travel and stay in the Schengen area. Without travel insurance, the visa will not be granted. It is your responsibility to subscribe with a private insurance company.

What doesn’t Schengen travel insurance cover?

When you subscribe to Schengen travel insurance, the general terms and conditions of the contract detail precisely the risks covered, and services provided. It also indicates the possible restrictions and exclusions of usual coverage (natural disasters, wars, terrorism, recklessness, situations brought on by alcohol or drug use, etc.). For some activities entailing specific risks, such as the practice of extreme sports, you will have to subscribe to specific insurance.