Quick answer: For a Schengen visa from the UAE you need travel medical insurance with at least €30,000 cover, valid in all Schengen states for your full trip dates, including emergency medical evacuation and repatriation. For other destinations insurance is often recommended rather than mandatory, but check each embassy's checklist. EEC Travels arranges travel insurance policies through approved insurance providers, with the policy certificate sent to you digitally for your visa file.
When is travel insurance mandatory?
- Schengen visa (France, Germany, Italy, Spain, etc.): mandatory. Minimum €30,000 medical cover, valid across the whole Schengen area for every day of your stay.
- Other embassy visas: some embassies list travel insurance on their checklist; always follow the official checklist for your visa centre (VFS, BLS or TLScontact).
- Visa-free or eVisa trips: usually not required, but strongly recommended—medical bills abroad can be very expensive.
5 insurance mistakes that cause visa problems
- Cover too low: buying less than €30,000 medical cover for Schengen.
- Wrong territory: the policy names one country instead of "Schengen states" or "Europe/Worldwide".
- Dates do not match: the policy must cover departure to return, matching your flight reservation.
- No repatriation: emergency medical evacuation and repatriation must be included.
- Name or passport errors: the traveller name and passport number must match exactly.
Single-trip or annual multi-trip?
- Single-trip: best for one holiday or one visa application. You pay only for the days you travel.
- Annual multi-trip: better for frequent travellers making several trips a year. Check the maximum days allowed per trip.
What a good travel insurance policy should cover
- Emergency medical expenses and hospitalisation
- Emergency medical evacuation and repatriation
- Trip cancellation, curtailment and delays (plan dependent)
- Lost, delayed or damaged baggage (plan dependent)
- Personal liability (plan dependent)
Always read the policy wording for exclusions, such as pre-existing medical conditions, age limits for senior travellers, and adventure activities.
Can I use my credit card travel insurance?
Sometimes, but embassies usually want a certificate showing your name, travel dates, coverage amount and territory. Many card benefits do not provide this in a usable format, so a separate policy is often simpler for a visa file.
How EEC Travels arranges your travel insurance
- Send your passport copy, travel dates and destination on WhatsApp.
- We share suitable plan options from approved insurance providers with the price.
- After payment, you receive the policy certificate digitally (PDF) for your visa appointment.
Prices depend on destination, trip length, age and plan, so we quote per request.
Need a flight reservation too?
Many embassy checklists ask for both travel insurance and a flight itinerary. EEC Travels provides a genuine flight reservation for AED 80 — for embassy documentation only, not valid for travel.
Frequently asked questions
What is the minimum travel insurance for a Schengen visa?
€30,000 medical cover, valid in all Schengen states for the full stay, including repatriation.
Does insurance guarantee my visa approval?
No. Insurance is one document in your file; visa decisions are made by the embassy or consulate.
Can senior travellers get cover?
Usually yes, though age limits, premiums and medical conditions vary by provider. Share the traveller's age and we will check suitable options.
Can I get insurance for family members?
Yes, each traveller needs to be named on the policy. Send each passport copy with your request.
Disclaimer: Policies are issued by approved insurance providers and subject to their terms. EEC Travels is a service provider and does not issue visas; visa decisions are made by the relevant authorities.