TRAVEL insurance EUROPE FOR PEACE OF MIND

Baggage

Baggage Protection

Follow up care

Follow-up Care

Schengen Insurance, Schengen Insurance

Flight Delay

Schengen Insurance, Schengen Insurance

Trip Cancellation

Personal money

Personal Cash

No Waiting Period

No Waiting Period

Covers more than just Covid-19

Covers more than just Covid-19

Medical Coverage

Medical Coverage

Schengen Insurance, Schengen Insurance

Emergencies & Repatriation

By Europ Assistance

Europ Assistance travel insurance

Schengen Pass Travel Insurance Benefits

PLAN 1

USD 15

for 1 week

Covered up to
EUR 30,000

Medical Expenses for hospitalization up to EUR 30,000:
Fees for hospitalization, surgery, ambulance, medicine and tests with a maximum of 240 EUR per day for hospital room and board.

COVID-19 Insurance up to EUR 30,000:
Good news, COVID insurance is included in your insurance.

Emergency Evacuation up to EUR 30,000:
Emergency evacuation to the nearest facility capable of providing
adequate medical care.

Repatriation up to EUR 30,000:
Repatriation to the country of origin when the Company and attending physician
determine that it is necessary.

Mortal Remains up to EUR 1,800:
Transportation charges for repatriation of the mortal remains to the country of origin.

PLAN 2

USD 25

for 1 week

Covered up to
EUR 60,000

Medical Expenses for hospitalization up to EUR 60,000:
Fees for hospitalization surgery, ambulance, medicine and tests with a maximum of 261 USD per day for hospital room and board.

Follow Up Care in Home Country up to EUR 3,000:
Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country.

COVID-19 Insurance up to EUR 60,000:
Good news, COVID insurance is included in your insurance.

Emergency Evacuation up to EUR 60,000:
To the nearest facility capable of providing adequate medical care.

Repatriation up to EUR 60,000:
Repatriation to the country of origin when the Company and attending physician determine that it is necessary.

Mortal Remains up to EUR 1,800:
Transportation charges for repatriation of the mortal remains to the country of origin.

Additional Costs of Travel & Accommodation up to EUR 500:
Additional travelling costs of the Insured Person for returning to the country of origin and additional costs of accommodation incurred by the Insured Person or an insured immediate family member or traveling companion when such costs arise from hospitalization due to a covered disability necessitating medical treatment of the Insured Person.

Family Member Visit up to EUR 500:
Travelling costs for 1 immediate family member to join the Insured Person who is confined in hospital for more than 5 days or is dead abroad.

Return of Children up to EUR 500:
Reasonable additional accommodation and travelling expenses for unattended insured children (age below 16) return to the country of origin.

Personal Belongings up to EUR 300:
Directly resulting from accident, theft, burglary, robbery or mishandling by carriers to the Insured Person’s baggage or personal items carried. The limit is 217 USD per item and 435 USD per pair or set. Loss of laptop is limited to 435 USD. Mobile phone and other accessories are excluded.

Baggage Delay up to EUR 100:
Emergency purchases of essential items of toiletries and clothing up to a maximum of 57 USD per article when the checked baggage is delayed for at least 6 hours from the time of arrival in the eligible countries within the zone of coverage.

Loss of Travel Document up to EUR 300:
Cost of obtaining replacements of passport, air tickets; travel expenses and accommodation incurred to obtain such replacement arising from theft, burglary, robbery and accidental loss. Maximum limit per day for travel and accommodation expenses is 130 USD for Business plan.

Loss of cash up to EUR 100:
Bank notes and travelers checks arising from theft, burglary or robbery. A police report is required.

Personal Liability up to EUR 1,000:

Indemnity against legal liability to a third party as a result of accidental injury or
loss or damage to property during the Period of Insurance. (This benefit does not apply to the use or hire of motorized vehicles).

วีซ่าเชงเก้น
วีซ่าเชงเก้น
วีซ่าเชงเก้น

PLAN 3

USD 30

for 1 week

Covered up to
EUR 100,000

Medical Expenses for hospitalization up to EUR 100,000:
Fees for hospitalization surgery, ambulance, medicine and tests with a maximum of 261 USD per day for hospital room and board.

Follow Up Care in Home Country up to EUR 5,000:
Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country.

COVID-19 Insurance up to EUR 100,000:
Good news, COVID insurance is included in your insurance.

Emergency Evacuation up to EUR 100,000:
To the nearest facility capable of providing adequate medical care.

Repatriation up to EUR 100,000:
Repatriation to the country of origin when the Company and attending physician determine that it is necessary.

Mortal Remains up to EUR 1,800:
Transportation charges for repatriation of the mortal remains to the country of origin.

Hospital Cash Allowance: EUR 600:
For each complete day the Insured Person is hospitalized over
24 hours as a result of a covered disability

Additional Costs of Travel & Accommodation up to EUR 800:
Additional travelling costs of the Insured Person for returning to the country of origin and additional costs of accommodation incurred by the Insured Person or an insured immediate family member or traveling companion when such costs arise from hospitalization due to a covered disability necessitating medical treatment of the Insured Person.

Family Member Visit up to EUR 800:
Travelling costs for 1 immediate family member to join the Insured Person who is confined in hospital for more than 5 days or is dead abroad.

Return of Children up to EUR 800:
Reasonable additional accommodation and travelling expenses for unattended insured children (age below 16) return to the country of origin.

Personal Belongings up to EUR 700:
Directly resulting from accident, theft, burglary, robbery or mishandling by carriers to the Insured Person’s baggage or personal items carried. The limit is 217 USD per item and 435 USD per pair or set. Loss of laptop is limited to 435 USD. Mobile phone and other accessories are excluded.

Baggage Delay up to EUR 300:
Emergency purchases of essential items of toiletries and clothing up to a maximum of 57 USD per article when the checked baggage is delayed for at least 6 hours from the time of arrival in the eligible countries within the zone of coverage.

Loss of Travel Document up to EUR 500:
Cost of obtaining replacements of passport, air tickets; travel expenses and accommodation incurred to obtain such replacement arising from theft, burglary, robbery and accidental loss. Maximum limit per day for travel and accommodation expenses is 130 USD for Business plan.

 

Loss of cash up to EUR 200:
Bank notes and travelers checks arising from theft, burglary or robbery. A police report is required.

Curtailment of Trip or Cancellation Charges up to EUR 2,000:
Reimbursement of irrecoverable prepaid travel arrangement deposits or any increased cost of travel in the event of death, serious injury or illness of the Insured Person, immediate family members, close business partner or travel companion of the Insured Person; witness summons, jury service; natural disasters at the planned destination or complete destruction of the Insured Person’s principal residence.

 

Travel Delay Cash Allowance up to EUR 100:
If the Insured Person need not pay additional travelling cost in the event of travel delay, the Insured Person will be indemnified at 22 USD for each full 6 hours delay.

Personal Liability up to EUR 3,000:

Indemnity against legal liability to a third party as a result of accidental injury or
loss or damage to property during the Period of Insurance. (This benefit does not apply to the use or hire of motorized vehicles).

Terms and Conditions for Luma SCHENGEN Pass:
  1. 1. The earliest policy start date shall be the purchase date, not before.
    2. The maximum period of insurance for this Policy shall be 180 consecutive calendar days.
    3. Applicants must be aged from 4 weeks to 75 years old.
    4. Children under the age of 7 years old must be accompanied by an adult who is also insured under the same Policy.
    5. The sum insured for Personal Accident for children under 18 years old shall not exceed 1,000 EUR.
    6. Policy holders shall submit claims within 6 months after occurred date of the claims.
    7. There is no direct billing for medical expenses unless the arrangement is coordinated by the Insurer or its designated assistance company.
    8. This policy does not cover preexisting conditions, general exclusions nor medical expenses exclusions as stated in the Policy Wording.
  2. 9. The zone of coverage of Luma Schengen Pass refers to the countries eligible for coverage as stated in the Certificate of Insurance. You will be covered during your insurance policy period for regional or multiple trips within countries included in the zone of coverage.
  3. 10. This Policy is only valid for leisure travel or business travel (limited to administrative and non manual works only) and NOT cover for travel to any of the countries within the zone of coverage to seek for medical treatment.
  4. 11. In case the Insured’s country of origin is one country within eligible zone of coverage, the Policy does NOT cover for any losses or expenses arising from the country of origin of the Insured.
  5. 12. In case the Insured would like to purchase another policy after first policy expires, there shall be no gap in coverage and total duration of coverage of all policies combined shall not exceed 180 days.
    Policy holders reaching 76 years old during the policy are not eligible to purchase a new policy.
    Any event or condition that occurred before the new policy start date is considered pre-existing and the Insured is not able to claim for any of these conditions under the new policy. Should the Insured be actively treated or under the supervision of a Physician or Surgeon, the Insured is not eligible to purchase another policy.

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What countries are part of the Schengen Area?

Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

 

 

 

Where can I travel to with a Schengen Visa? 

All countries of the Schengen area listed above, and non-Schengen European countries accepting Schengen visas:

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 these refer to countries where the Schengen visa is accepted. For insurance coverage, 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 refer to the official list from the European Commission to check your eligibility.

 

 

 

Which type of Schengen Visa do I need?
 

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

 

1. Uniform Schengen Visa (USV)

      – Category A: The Airport Transit Visa

      – Category B: The Transit Visa

      – Category C: Short-term Visa

            i. Single-entry visa

            ii. Double-entry visa

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

 

2. The Limited Territorial Validity Visa (LTV)

3. The National Visa (Category D)

 

For tourists, USV is the most common type of Schengen Visa, 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.

 

 

 

Where can I apply for a Schengen Visa?

You can apply for the Schengen Visa at the embassy or consulate of the destination country or 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 the country you will travel to first.  

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

 

 

 

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

  • Completed application form
  • Valid passport
  • Two identical photos
  • Round trip reservation or flight itinerary
  • Proof of accommodation
  • 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?

  • Adults: 80 Euros
  • Children aged 6-12: 40 Euros
  • Children aged <6: Free

Please note that the visa fee is non-refundable if your visa has been refused. 

 

 

 

How long does it take to get a Schengen Visa?

A Schengen Visa takes approximately 2 weeks to be processed. However, the processing time takes up to 30 days, or even longer in some cases depending on the complications with your application. The delay typically happens during the high season, when there is a high 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 highly recommended to find a travel insurance policy with Covid-19 coverage, as a policy without Covid-19 coverage may be rejected by the embassy or consulate.

 

“Luma SCHENGEN Pass” 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.