Why travel insurance rejections happen
Every month, we get panicked WhatsApp messages from clients who downloaded a travel insurance policy from the internet and got rejected at the embassy. The problem is almost always one of three things:
1. The minimum coverage (€30,000) isn't clearly stated in English 2. The policy doesn't explicitly cover medical repatriation 3. The dates don't cover the full stay plus buffer days
What Schengen embassies require (exactly)
The official Schengen visa requirement for travel insurance is:
- Minimum coverage: **€30,000** (approximately ₱1,800,000+)
- Valid in **all Schengen states**
- Covers **emergency medical expenses AND repatriation**
- Valid for the **entire duration of the trip**
- Policy must be issued **before the visa appointment**
Most budget online policies fail at least one of these criteria.
What about Japan, UK and US visas?
Japan does not require travel insurance for the visa application but strongly recommends it. The UK and US don't require it either — but having it often strengthens your application by demonstrating financial responsibility.
How FUL issues Schengen-compliant policies
When you contact us, we:
1. Confirm your exact travel dates and all Schengen countries you'll visit 2. Issue a policy that explicitly states €30,000 coverage, repatriation, and your full itinerary dates 3. Provide a certificate in English suitable for embassy submission 4. Turnaround: within 1–2 hours during business hours
Single-trip premiums start at ₱1,200 for 7 days. Annual multi-trip plans (unlimited trips, up to 30 days each) start at ₱8,500/year — ideal for frequent travelers and OFWs on home visits.
Message us today — we've helped over 200 clients get their Schengen visas with zero embassy rejections.
Get a free consultation with John Carlo Tan
General Insurance Specialist · IC-licensed · Cebu IT Park
