Euro coverage €45k/€60k • Accepted for Schengen visas • Seniors up to 100

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Why You Need Schengen-Approved Insurance

A Schengen visa application requires proof of travel medical insurance covering your entire stay in Europe. It must include emergency medical treatment and repatriation, with a minimum €30,000 coverage (most embassies prefer €45,000 or €60,000). Having the correct, visa-compliant policy helps prevent delays or re-submission of documents.

A quick story: A Filipino couple in their late 60s flew to Italy to visit family. During their trip, one of them slipped on a cobblestone street and needed hospital care. Their Schengen-approved Pacific Cross policy covered more than €1,200 in emergency treatment and medication—saving them from out-of-pocket costs and letting them continue their vacation worry-free.

Visa-Compliant Options (Pacific Cross Travelsafe – Euro Plans)

• Euro Schengen Plans (€45,000 / €60,000) – meet or exceed embassy requirements for medical care + repatriation.
• Valid for multi-country Schengen itineraries.
• Certificate of Insurance issued in English with exact travel dates (add buffer days).

💡 ILINK.PH recommends adding 1–3 buffer days beyond entry/exit dates to accommodate possible flight or visa changes.

Who Can Apply & Processing Time

• Ages 0–75: Issued immediately after details + payment (Mon–Sat, 5 PM cut-off).
• Ages 76–100: Processed manually (no medical check-up). Submit:
  • Signed application form
  • Passport bio page
  • Flight ticket or itinerary

  → 3–5 working days processing before issuance.

Coverage Highlights

• Emergency medical treatment & hospitalization (Schengen minimums met)
• Emergency evacuation & repatriation
• Personal accident & liability
• Trip cancellation, delay, or interruption
• Baggage loss or damage
• 24/7 worldwide assistance hotline

(Refer to policy schedule and TACTIC for inner limits.)

Common Embassy Checks (Avoid Re-Work)

• Coverage must match entire travel period + buffer days
• Coverage amount ≥ €30,000 (preferably €45k or €60k)
• Certificate shows Schengen/Europe coverage
• Names & passport numbers must match exactly.
• Check policy rules for visa denial refunds or date changes

Key Exclusions (Manage Expectations)

• Pre-existing conditions — only emergency in-patient care within inner limits is covered.
• Routine check-ups / maintenance meds – not covered.
• Travel for medical treatment – excluded.
• Hazardous sports or extreme activities – excluded unless endorsed.
• Pregnancy-related, mental health, or self-inflicted injuries – excluded.
• Unattended or unreported baggage losses – not covered.

See the Travel Insurance Contract (TACTIC) for full definitions and conditions.

Preparing for Your Schengen Visa Appointment

1. Decide your trip dates + 1–3 buffer days.
2. Select coverage (€45k or €60k Euro plan).
3. Double-check passport names and numbers.
4. Print your Certificate of Insurance for your visa application.
5. Keep digital copies for check-in or immigration.

Quick FAQs

• Is the policy accepted by embassies?
  Yes — Pacific Cross Euro plans are Schengen-approved and accepted for visa applications.
• Can I change dates after issuance?
  Minor corrections may be allowed before travel; terms depend on the insurer.
• Do I need separate insurance for each country?
  No. One Schengen-compliant policy covers all Schengen countries.

Related ILINK.PH Guides

• Travel Insurance in the Philippines – Ages 0–100
• Travel Insurance for Seniors in the Philippines (Ages 60–100)
• Travel Insurance for Filipinos – International & Domestic Coverage