We're a visa agency. We make our money by assisting with Schengen visas. And that's why we'll tell you honestly: Insurance is the only part of the visa process for which you don't have to pay intermediaries. Complete it yourself in 10 minutes. Below you'll find out why it's more cost-effective and how to get it right the first time.
Why it's better to get your own insurance: three reasons
1. Refund in case of visa refusal. Insurance companies refund the cost of your policy if your visa is denied. However, the refund is sent to the card you used to pay. If your policy was issued through an intermediary, the money will be returned to the intermediary, and you'll have to wait for them to remember you.
2. An insurance event is your contract with the insurance company. If you need a doctor while traveling, the person who purchased the policy will contact the insurance company. A policy on someone else's card and email address means wasted hours at the most inopportune moment.
3. The price is transparent. A Schengen visa policy costs €55–65 for a month-long trip. Intermediaries charge an additional €50–100 for the "processing"—for ten minutes of work you could easily do yourself.
What should be included in the policy: consulate requirements
- Coating at least 30,000 euros - medical expenses and repatriation.
- Action in all Schengen countries, and not just in the destination country.
- Policy dates - with two days to spare before departure and after return.
- Name exactly as in the passport, letter for letter.
- Coverage amount in euros. The consulate has the right to refuse a policy "for $50,000"—the requirements specifically state euros.
How to get an insurance policy in 10 minutes: step-by-step
- Open the website of an insurance company recognized by the consulates: AXA Schengen, Allianz Travel, or any major aggregator.
- Please indicate the destination country, travel dates with some extra time, and traveler's details - name in Latin characters as per their passport.
- Choose the basic plan with coverage of €30,000. This is sufficient for your visa—higher plans include baggage and trip cancellation fees, which the consulate doesn't require.
- Pay with your card. The certificate will be emailed to you in PDF format within a few minutes—print it in color for your records.
Visa Insurance Discounts and Promo Codes: Three Life Hacks
💡 Lifehack: Get an insurance promo code within one day of waiting. Fill out the application on the insurance company's website, provide your email address, and don't pay immediately. The insurance company will send you a payment by email within a day or two. discount 10% — this is how companies win back "forgetful" customers. There's no need to search for coupons on third-party websites: the best promo code for Schengen visa insurance comes directly from the insurance company.
The policy is returned if the visa is refused. AXA and most major insurers have this in their terms and conditions: show the refusal letter and get your money back. Purchasing insurance before a visa decision is a no-risk proposition.
Annual policy for frequent travelers. If you fly to Europe two or three times a year, an annual multi-entry policy is cheaper than three single-entry ones—and is suitable for a multiple-entry visa.
AXA Schengen policies are recognized and accepted by consulates in all Schengen countries, from France to Malta. And if you apply for visa to Malta from Dubai — for language courses or training—this is our specialty: we'll help with the entire package of documents, not just insurance.
Schengen visa insurance from the UAE: if you're applying in Dubai
If you live in Dubai, Astana, or Istanbul and apply for a Schengen visa based on your place of residence, the rules are the same, but there are some nuances. Your coverage must be specified. specifically in eurosLocal insurance companies often list amounts in dollars or dirhams, and visa centers may not accept such a certificate. It's easier to purchase a policy from an international insurance company online—the certificate is already in the required format.
Schengen visa for Russians in the UAE It's issued at your place of residence—documents are submitted at the visa center in Dubai. Insurance is the easiest item on this list. The actual document package for a Schengen visa from Dubai differs from the usual Russian one: you'll need an Emirates ID, proof of residency, and some documents with a certified translation. If you're unsure of your list— write to us, we will tell you what you need in your particular case.
Frequently asked questions
Will I get a refund for my insurance if my visa is denied?
Yes, with most major insurers, upon presentation of a denial letter. Money is refunded to the card used to pay for the policy. Another reason to pay with your own card, rather than through an intermediary.
Is it possible to get insurance for a child?
Yes. The policyholder is the parent, and the insured is the child. The certificate must contain the child's name exactly as it appears on their passport, as this is the document that is included in the visa file.
Will a policy purchased on the last day before filing be suitable?
Technically, yes—the certificate is issued instantly. But it's best to apply in advance and calmly check the name, dates, and coverage amount; any errors in the certificate will only be discovered at the visa center.
But this is where a mediator is really needed
You'll now be able to get insurance yourself—and you'll be doing the right thing. But you'll need to assemble a clean file, write a sponsorship letter, prepare documents for minors, and pass the serve without surprises — this is a job in which experience decides everything. This is what we do. Contact us on WhatsApp—we'll tell you honestly what you can do yourself, and where we can save you weeks.