Travel insurance for Schengen Visa and travel to Europe

Travelling to Europe? Buy your Schengen insurance with Luma and receive your insurance certificate by email. All Luma Schengen Pass plans provide a medical coverage of at least 30,000 EUR and are accepted for Schengen visa applications.

BENEFITS (EUR) Plan 1 Plan 2 Plan 3
I. MEDICAL EXPENSES AND EMERGENCY ASSISTANCE: Covers the cost of medical treatment arising from illness or accident injury for both Inpatient and Outpatient. € 30,000 € 60,000 € 100,000
Medical Expenses: Fees for hospitalization, surgery, ambulance, medicine and tests with a maximum of 240 EUR per day for hospital room and board Up to Limit Up to Limit Up to Limit
Follow-up Care: Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to home country - € 3,000 € 5,000
Emergency Evacuation: Emergency Evacuation to the nearest facility capable of providing adequate Medical Care Up to Limit Up to Limit Up to Limit
Repatriation: Repatriation to the country of origin when the Company and attending physician determine that it is necessary Up to Limit Up to Limit Up to Limit
Hospital Cash Allowance: 40 EUR for each complete day the Insured Person is hospitalized over 24 hours as a result of a covered disability - - € 600
Additional Costs of Travel & Accommodation: 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 Evacuation of the Insured Person - € 500 € 800
Family Member Visit: 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 - € 500 € 800
Return of Children: Reasonable additional accommodation and travelling expenses for unattended insured children (age below 16) return to the country of origin - € 500 € 800
Mortal Remains: Transportation charges for Repatriation of the Mortal Remains to the country of origin € 1,800 € 1,800 € 1,800
II. PERSONAL ACCIDENT: Accidental death or permanent disability including loss of one or more limbs or loss of sight in one or both eyes. The limit of cover for children under 18 is 1,000 EUR - € 1,000 € 3,000
III. INCIDENTAL COVER: Covers incidents during the trip - - -
Baggage and Personal Effects: Loss or damage directly resulting from accident, theft, burglary, robbery or mishandling by carriers to the Insured Person's baggage or personal items carried. The limit is 200 EUR per item and 300 EUR per pair or set. Loss of laptop is limited to 300 EUR - € 300 € 700
Baggage Delay: Emergency purchases of essential items of toiletries and clothing up to a maximum of 53 EUR 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 - € 100 € 300
Loss of Travel Document: 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 120 EUR for plan 2 and 160 EUR for plan 3 - € 300 € 500
Personal Money: Loss of Cash, bank notes and travelers checks arising from theft, burglary or robbery - € 100 € 200
Travel Delay Cash Allowance: If the Insured Person need not pay additional travelling cost in the event of travel delay, the Insured Person will be indemnified at 20 EUR for each full 6 hours delay. - - € 100
Curtailment of Trip or Cancellation Charges: 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. - - € 2,000
Personal Liability: 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) - € 1,000 € 3,000
Rental Car Excess Cover: Reimbursement of Excess which the Insured Person is liable to pay for accidental Loss or damage to a Rental car. - - € 250
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.

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