LUMA Insurance logo
button toggle btn toggle close
Get Quote
+66 2 494 3600 +66 2 494 3600
Get Quote
+66 2 494 3600

Travel Insurance for Schengen Visa

Apply for a Schengen Visa with LUMA’s fully compliant Schengen travel insurance.

Schengen Travel Insurance, Travel Insurance for Schengen Visa

Accepted by all Schengen visa countries.

Schengen Travel Insurance, Travel Insurance for Schengen Visa

Instant insurance certificate via email.

Schengen Travel Insurance, Travel Insurance for Schengen Visa

100% refund for visa refusal.

Buy Now

Schengen Visa-Compliant Travel Insurance

LUMA’s travel insurance complies with all Schengen Visa requirements, including:

Schengen Travel Insurance, Travel Insurance for Schengen Visa

Approved by Schengen embassies.

Schengen Travel Insurance, Travel Insurance for Schengen Visa

Medical, repatriation, and hospitalization coverage over 30,000 EUR (1,094,190 THB).

Schengen Travel Insurance, Travel Insurance for Schengen Visa

Protection through your entire Schengen trip

Schengen Travel Insurance, Travel Insurance for Schengen Visa

Valid in all Schengen countries

Buy Now

Who is LUMA’s Schengen Visa insurance for?

Schengen Travel Insurance, Travel Insurance for Schengen Visa

Those aged 1–75 years

Schengen Travel Insurance, Travel Insurance for Schengen Visa

People departing from South East Asia

Schengen Travel Insurance, Travel Insurance for Schengen Visa

Those traveling to the Schengen Area

Why LUMA Schengen Travel Insurance?

We offer the best travel insurance for a Schengen Visa in Asia, and over 100,000 travelers have experienced our reliable coverage.

Our policies provide the coverage you need to visit Europe worry-free—whether it’s a short weekend getaway or a longer, multi-destination trip.

Schengen Travel Insurance, Travel Insurance for Schengen Visa

Trusted by over 100,000 travelers.

Schengen Travel Insurance, Travel Insurance for Schengen Visa

English-speaking medical team

Medical and travel support experts are on hand to assist you during emergencies.

Schengen Travel Insurance, Travel Insurance for Schengen Visa

Global presence

Global presence with offices in South East Asia and Europe.

Schengen Travel Insurance, Travel Insurance for Schengen Visa

Available 24/7

We’re available around the clock to assist with urgent medical situations.

Reviews from LUMA travelers

I was having difficulties with paying for a Schengen policy with my credit card and Tangmo went out of her way to make sure we were able to pay for the policy in another way. She spent time to walk us through the steps for applying and paying for the policy, and, after our purchase, followed up to see if we had any more questions. We felt very comfortable working with Tangmo and feel she gave us 110% of her time and effort. If I need the services of Luma again, I hope Tangmo will be the one to help us.
Sincerely, Wan Aubboon and Peter Geiger
Pete Geiger
Pete Geiger
After looking at many other companies, I decided to use Luma. Excellent product options and value for money. The staff explained my product options to me and were always helpful. Answering my questions promptly. The overall service was excellent.
Stephen Roberts
Stephen Roberts
Great service and really helpful staff. Naly was exceptionally supportive throughout the process!
Bryan
Bryan
Get A Quote

Enjoy Peace of Mind with LUMA Schengen Travel Insurance

Emergency medical costs are high in European countries. You could face a hefty bill if you are injured or fall ill while traveling there. 

LUMA Schengen travel insurance is designed for travelers from Asia who are visiting Europe. 

It provides visitors to the Schengen Area with suitable medical and travel expenses coverage.

Schengen Travel Insurance, Travel Insurance for Schengen Visa

Medical expenses cover

30,000 EUR minimum coverage for hospitalization and outpatient care bills. Coverage for unlimited costs is also available.

Schengen Travel Insurance, Travel Insurance for Schengen Visa

Emergency evacuation and repatriation

30,000 EUR minimum coverage for medical evacuation costs if no adequate facilities are nearby (subject to approval).

Schengen Travel Insurance, Travel Insurance for Schengen Visa

Trip cancellation

Reimbursement of irrecoverable prepaid travel expenses up to 2,000 EUR (6,931 THB) per person.

Schengen Travel Insurance, Travel Insurance for Schengen Visa

Trip interruption

Reimbursement of up to 2,000 EUR (6,931 THB) if your trip is cut short.

Schengen Travel Insurance, Travel Insurance for Schengen Visa

Emergency evacuation and repatriation

Insure longer visits for as little as 250 USD (8,665 THB).

Schengen Travel Insurance, Travel Insurance for Schengen Visa

Lost baggage

Loss or damage to baggage covered up to 1,500 EUR.

Trusted Global Partners

We work with global partners to deliver insurance services, emergency medical assistance, and travel support.

Country Guides for Schengen Visa Requirements

We’ve created a detailed guide for each Schengen Visa country. Each includes country-specific information on requirements and how to apply:

Get A Quote

Frequently Asked Questions about LUMA Schengen Insurance

Where is LUMA located?

LUMA’s headquarters is in Bangkok, Thailand. We also have offices in Bordeaux, France.

We’re experts at insuring people traveling to and from Asia. We’ve provided thousands of travelers in the region with Schengen Visa Travel Insurance, giving them peace of mind while traveling abroad in the European Union.

Our other worldwide locations include:

  • Ho Chi Minh City, Vietnam
  • Phnom Penh, Cambodia
  • Bordeaux, France

Who are LUMA’s partners?

We collaborate with global partners to provide insurance and services. Bao Long underwrites our travel insurance, while Europ Assistance provides medical evacuation.

Is Schengen Visa Insurance mandatory?

Yes, all Schengen visa applicants must have a comprehensive plan covering: 

  • Medical expenses
  • Emergency evacuation
  • Repatriation 

The minimum required coverage is €30,000.

Schengen Visa travel insurance requirements

Requirements for Schengen Visa Travel Insurance:

  • The policy must cover you for at least €30,000.
  • The travel insurance policy must cover all Schengen countries.
  • The dates of your medical insurance policy must cover the entire duration of your trip in the Schengen Area.
  • You should be covered for medical expenses, emergency evacuation, and repatriation.

Please note that travel requirements change frequently, so check with your embassy or consulate for the latest information before you travel.

How much does travel insurance for a Schengen Visa cost?

The cost of your travel insurance policy depends on:

  • The duration of your overseas trip 
  • Your departure country
  • The amount you want to be covered for
  • The activities that you will be engaging in
  • The number of travelers included in your policy

What's the cost of travel insurance with 30,000 Euros coverage?

You can get comprehensive travel insurance with minimum medical coverage of 30,000 EUR for only $15 for one week, or about $2.20 per day. This will meet the travel insurance requirements of the Schengen Visa.

Europe travel insurance vs. Schengen Insurance: What's the difference?

The main difference between Europe travel insurance and Schengen insurance is in their coverage areas. Europe travel insurance provides coverage for the entire European continent, while Schengen insurance is designed specifically for the Schengen zone.

Your choice of travel insurance depends on your travel plans. Europe travel insurance may be a better option if you intend to visit countries beyond the Schengen area. 

On the other hand, if you only need to meet the Schengen visa requirements, it’s best to opt for a Schengen visa-specific travel insurance policy, as it is designed for your specific requirements.

Review the countries covered by your chosen travel insurance policy to ensure you have the correct coverage.

What should my travel insurance for Europe cover?

In general, your Travel insurance for Europe should cover:

  • Emergency medical and hospital expenses, both public and private, as well as repatriation.
  • Trip cancellation or curtailment due to unforeseen circumstances.
  • Lost or stolen travel documents
  • Flight/ Baggage delays or cancellations, including additional accommodation and travel expenses.
  • Personal liability for accidental damage or injury to others.
  • Recreational winter sports coverage, not including professional sports competitions.

What are the countries covered by LUMA Schengen Visa Travel Insurance?

LUMA travel insurance can go beyond the Schengen Area, providing extensive European coverage. 

It includes not only Schengen Area countries but also the whole of Europe, including: 

  • The United Kingdom
  • Monaco
  • Andorra
  • San Marino
  • Vatican City

LUMA ensures your travel insurance needs are met while you explore a wide range of European destinations.

Useful information about Schengen

Which nationalities require a Schengen Visa?

Travelers from the following countries require a Schengen Visa:

  • Afghanistan
  • Algeria
  • Angola
  • Armenia
  • Azerbaijan
  • Bahrain
  • Bangladesh
  • Belarus
  • Belize
  • Benin
  • Bhutan
  • Bolivia
  • Botswana
  • Burkina Faso
  • Burundi
  • Cape Verde
  • Cambodia
  • Cameroon
  • Central African Republic
  • Chad
  • China
  • Comoros
  • Congo
  • Côte d’Ivoire
  • Cuba
  • Djibouti
  • Dominican Republic
  • DR Congo
  • Egypt
  • Equatorial Guinea
  • Ethiopia
  • Ecuador
  • Eritrea
  • Fiji
  • Gabon
  • Gambia
  • Georgia
  • Ghana
  • Guyana
  • Guinea
  • Guinea-Bissau
  • Haiti
  • India
  • Indonesia
  • Iraq
  • Iran
  • Jamaica
  • Jordan
  • Kazakhstan
  • Kenya
  • Kyrgyzstan
  • Kosova
  • Kuwait
  • Laos
  • Lebanon
  • Lesotho
  • Liberia
  • Libya
  • Marshall Islands
  • Madagascar
  • Malawi
  • Maldives
  • Mali
  • Morocco
  • Mauritania
  • Micronesia
  • Mongolia
  • Mozambique
  • Myanmar
  • North Korea
  • Northern Mariana Islands
  • Namibia
  • Nauru
  • Nepal
  • Niger
  • Nigeria
  • Oman
  • Philippines
  • Pakistan
  • Palau
  • Papua New Guinea
  • Qatar
  • Rwanda
  • Russia
  • South Africa
  • Saudi Arabia
  • Solomon Islands
  • Samoa
  • Sao Tome and Principe
  • Senegal
  • Sierra Leone
  • Syria
  • Somalia
  • Sudan
  • Sri Lanka
  • Suriname
  • Swaziland
  • Tajikistan
  • Thailand
  • Tanzania
  • Timor-Leste
  • Togo
  • Tonga
  • Tunisia
  • Turkey
  • Turkmenistan
  • Uganda
  • Ukraine
  • Uzbekistan
  • Vanuatu
  • Vietnam
  • Yemen
  • Zambia
  • Zimbabwe

Countries requiring a Schengen visa are subject to change, so travelers are advised to check the list published by the EU before applying.

What countries are part of the Schengen Area?

The following countries are part of the Schengen Area:

  • Austria
  • Belgium
  • Bulgaria
  • Czech Republic
  • Croatia
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • Slovenia
  • Slovakia
  • Spain
  • Sweden
  • Switzerland

Where can I travel with a Schengen Visa?

A Schengen Visa allows you to travel to all countries in the Schengen Area listed above. 

It also allows you to travel to non-Schengen European countries that accept Schengen visas, including:

  • Albania
  • Antigua and Barbuda
  • Belarus
  • Bosnia and Herzegovina
  • Bulgaria
  • Colombia
  • Croatia
  • Northern Cyprus
  • Georgia
  • Gibraltar
  • Kosovo
  • Mexico
  • Montenegro
  • North Macedonia
  • Romania
  • Sao Tome and Principe
  • Serbia
  • Turkey

Please note that your Schengen Visa Travel Insurance may not cover these countries. Please check the details in the terms and conditions of your selected insurance policy.

Do I need a Schengen Visa to travel to the Schengen Area?

Depending on the nationality of the traveler, a Schengen Visa might be required. Please check your eligibility in the list above.

Which type of Schengen Visa do I need?

There are several types of Schengen Visa you can apply for, make sure to choose the visa type that matches your situation.

  1. Uniform Schengen Visa (USV)

Category A: Airport Transit Visa

Category B: Transit Visa

Category C: Short-term Visa

  1. Single-entry visa
  2. Double-entry visa

iii. Multiple-entry visa (1 year/ 3 years/ 5 years)

  • Limited Territorial Validity Visa (LTV)
  • National Visa (Category D)

The USV is the most common type of Schengen Visa for tourists, as it covers categories A, B, and C. Please note that a Schengen Visa is valid for up to 90 days within a 180-day period.

LTV visas are often used for special cases such as humanitarian visits, while National Visas are for study.

 

Where can I apply for a Schengen Visa?

You can apply for a Schengen Visa at the embassy or consulate of your destination country or at a visa application center.

If you are traveling to more than one Schengen country, you can file your application at the embassy or consulate of either the country you will travel to first or where you will spend the most days.

What are the required documents to apply for a Schengen Visa?

Required documents for Schengen Visa:

  • Completed Schengen Visa application form
  • Valid passport
  • Two identical photos
  • Round trip reservation or flight itinerary
  • Provide proof of accommodation
  • Provide proof of means of subsistence
  • Travel insurance certificate with at least 30,000 Euros in coverage 

Please note that the indicated documents above are the standard required documents. Please double-check the requirements for your visa type, as the specifications may differ from one type to another.

How much does it cost to get a Schengen Visa?

The cost of a Schengen Visa depends on the applicant’s age:

  • Applicants aged 13+: 90 Euros
    Children aged 6-12: 40 Euros
  • Children aged 6: Free

How long does it take to get a Schengen Visa?

A Schengen Visa takes approximately 2 weeks to process. However, if there are complications with your application, the processing time may be up to 30 days or even longer in some cases. 

The delay typically happens during the high season, when there is an increased demand for travel.

When should I apply for a Schengen Visa?

The earliest you can file a visa application is 6 months before the travel date, and the latest you can file a visa application is 15 working days before the travel date. 

It is recommended to file a visa application at least three weeks before your trip. However, consider starting your application even earlier during the high season.

Does my travel insurance need to have COVID-19 coverage?

Most travel insurance policies cover COVID-19 treatments, but some do not. It is recommended that you find a policy with COVID-19 coverage, as a policy without coverage may be rejected by the embassy or consulate.

“LUMA Travel Insurance” is the commercial name of the travel insurance policy insured by Bao Long Insurance Corporation, distributed globally by Luma International and serviced by Luma Care Co. Ltd.

5 (1)
LUMA Care Application
Luma Health Insurance logo
ios
googleplay
Insurance
Members
LUMA
Contact Us
  • call +66 2 494 3600 (24/7 Emergency Hotline)
    Customer Service Mon - Fri 09.00 - 18.00 (UTC+7)
  • email (4) (1) [email protected]
SSL logo

Copyright © 2025 lumahealth.com. All Rights Reserved.   Privacy Policy & Terms of Conditions