How to buy Schengen visa insurance from Morocco?

Whether you are ready to leave Essaouira to go surfing in aljezur, abandon the good life of Casablanca to undertake an internship in Paris, take a break from your busy schedule in Rabat to enjoy a wedding in Brussels or cross the Mediterranean Sea to meet future business partners in Andalusia, as a Moroccan citizen you will need to apply for a Schengen visa and thus subscribe to compulsory travel insurance!

Here’s all you need to know about subscribing to Schengen travel insurance from Morocco.

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

Travel insurance is compulsory to obtain a Schengen visa

Subscribing to travel insurance is one of the compulsory requirements to obtain a Schengen visa which will allow you to enter, travel and stay in the Schengen area. Without proper travel insurance, your Schengen visa application will be denied.

However, while mandatory, travel insurance is not included with the visa and is not delivered by the authorities in charge of granting Schengen visas. It is your responsibility to subscribe with a private insurance company. Make sure the travel insurance you choose meets the requirements defined by Schengen authorities in order to accept your visa application.

Schengen travel insurance must meet several criteria to be accepted

Article 15 of the Schengen visa Code, defines the criteria which compulsory Schengen travel insurance must meet:

• It must cover all expenses concerning emergency medical care, hospitalisation as well as expenses entailed in case of death.
• It must provide coverage for the Insured’s sanitary repatriation.
• Coverage must be minimum €30,000.
• It must be valid for the entire duration of your stay.
• It must be valid in all Schengen member States (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.

Many different travel insurance offers exist. Before subscribing, make sure to check it meets all the Schengen requirements.

When should you buy your Schengen visa insurance?

Your Schengen travel insurance certificate must be enclosed with your visa application. Consequently, your subscription must be done prior to your visa application.

Do not mistake date of subscription and validity period!

When you subscribe to travel insurance, you will indicate your entry and exit dates from the Schengen area. Therefore, even if you subscribe to Schengen travel insurance weeks before your scheduled travel dates, you will only pay for the actual duration of your stay within the Schengen territory.

How to obtain your visa travel insurance certificate quickly?

When you subscribe to Schengen travel insurance, the insurance provider must provide an insurance certificate. When you subscribe online, you will receive it automatically by email. If you choose to subscribe in an agency, it will be handed to you directly.

Why choose axa Schengen travel insurance?

• Its coverage meets the requirements necessary to obtain a Schengen visa, concerning risk coverage (medical expenses, hospitalisation, in the event of death), minimum expense (€30,000) and geographical scope (valid in all the Schengen area and beyond);
• It is certified, which means it will automatically be accepted with Schengen visa applications by the embassies and consulates of all the Schengen member States;
• No deductible applies. You will be reimbursed of all your medical expenses;
• You can subscribe online: simple and fast, your insurance certificate is immediately available to enclose with your visa application;
• It is refundable if your application is denied;
• It offers additional coverage depending on the chosen option;
• It is affordable and its daily cost decreases depending on the duration of your stay;
• It includes free telemedicine consultation with our Doctor Please! service;
• Its 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 simplest yet efficient option. Its coverage meets all the minimum criteria to obtain a Schengen visa at a very affordable price.

• 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.

2 The Schengen Europe Travel option

An extensive 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 and the European Union + the 4 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 hospitalization, it offers assistance for the Insured if they are travelling alone, the payment of the costs entailed by the extension of their stay, a daily compensation for some expenses 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 forgotten items necessary for the Insured to continue their stay such as medication, glasses or prosthesis.

3. The Multi-trip option

This offer is identical to the Europe Travel option when it comes to coverage and services but it is available as a yearly subscription and not based on the duration of your stay.

This plan is ideal for frequent travelers and it allows holders of a Schengen multiple-entry visa who travel regularly to the Schengen countries during the year, to enjoy continuous 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.

To find out which option is the most suited to your travel needs,
compare the different AXA Schengen travel insurance coverage plans.

Get your free no-obligation Schengen Travel Insurance quote!

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• What type of Schengen visa do I need?
• 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 that you are covered against a certain number of risks. It is one of the mandatory documents which needs to 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?

A visa is an administrative authorisation to enter, travel and stay in the Schengen area. It does not include travel insurance even if it is compulsory to obtain a Schengen visa. Without it, the visa will not be granted. It is your responsibility to subscribe with a private insurance company.

What doesn’t Schengen travel insurance cover?

Insurance covers the risks defined and mentioned in the insurance contract. While it cannot list all the situations it doesn’t cover, its general terms and conditions state the possible restrictions and exclusions of usual coverage (natural disasters, wars, terrorism, recklessness, situations brought on by alcohol or drug use, etc.).