Traveling to Europe? Buy your Schengen insurance with Luma and receive your insurance certificate by email. All Luma Schengen Pass plans provide medical coverage of at least 30,000 EUR and are accepted for Schengen visa applications.
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, and 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?
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 Coverage
Claims
Terms and Conditions for Luma SCHENGEN Pass:
- 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. Policyholders shall submit claims within 6 months after the 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. - 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.
- 10. This Policy is only valid for leisure travel or business travel (limited to administrative and nonmanual works only) and does NOT cover travel to any of the countries within the zone of coverage to seek medical treatment.
- 11. In case the Insured’s country of origin is one country within an eligible zone of coverage, the Policy does NOT cover any losses or expenses arising from the country of origin of the Insured.
- 12. In case the Insured would like to purchase another policy after the first policy expires, there shall be no gap in coverage and the total duration of coverage of all policies combined shall not exceed 180 days.
Policyholders 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.