In this guide, we’ll be showing you how to get travel insurance for Schengen visa application. If you intend to visit any of the Schengen countries from Ghana, then you’ll sure need to provide valid travel insurance from an accredited travel insurance provider.
Traveling around the world especially to Schengen countries requires a lot of research. As exciting as the idea is, but what happens when you need emergency medical attention, lose your luggage. The essence of the travel insurance is to cover for these unforeseen expenses.
If you’re traveling to another country for holiday, school, business or medical tourism, you’ll be required to present a travel cover at the designated embassy as part of your visa application requirements.
Travel Insurance is Compulsory for Schengen Visa
Your travel insurance must cover the entire period of your stay and be valid throughout the territory of all the Schengen states: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.
The travel insurance is intended to cover all expenses that may be caused by trip cancellation, baggage loss, accident, medical care, and possible repatriation. You’ll be denied a Schengen visa if you use a substandard insurance cover. Moreover, you enjoy all the insurance policy has to offer including free medical care while abroad.
Minimum Amount For Schengen Travel Insurance
The minimum coverage for Schengen travel insurance is 30,000 EUR (equivalent to 50,000 USD). The travel insurance policy must cover any expenses which might arise in connection with repatriation for medical reasons, urgent health attention and/or emergency hospital treatment or death.
The standard insurance policy is designated to protect you when visiting Schengen Areas. And it must be applicable to any of the 26 states of the Schengen countries.
You may be refused a Schengen visa application if your insurance is less than the requirement. You might ask where do I get this amount of money? Well, no one expects you to have 30,000 EUR in your account before applying for a Schengen visa. This fee will be provided by the accredited insurance company in Ghana.
Duration of Schengen Travel Insurance
The Schengen travel insurance must be cover your period of stay in a Schengen region. It must also be valid throughout all the Schengen states. If you intend to visit a Schengen state for 60 days, your insurance policy must be valid for at least 60 days. It’s even better if your cover exceeds your travel period. This encourages the visa officer to grant more days for the visa.
Your travel insurance activates right from the first day of your start date. So, a ten days insurance policy starting on March 4, 2020, will expire on March 14, 2020.
In all cases, you must always get an insurance policy that extends beyond your proposed return date to Ghana. In case you cannot, get a policy that expires on your departure date.
Why Do You Need A Schengen Travel Insurance
The most important thing about Schengen travel insurance is that it qualifies you for Schengen visa. Other benefits of travel insurance are highlighted below:
Free Emergency Medical Treatment
Your Schengen travel insurance gives you the opportunity to receive free standard medical treatment when you fall sick abroad. All costs (or a substantial part of the cost) for medical treatment in the case of an injury sustained in an accident will be covered by your Schengen travel insurance.
Free Emergency Medical Repatriation
Schengen travel insurance policy takes care of the cost of transporting you to the nearest medical centre when you fall sick or become injured. This policy could also help cover the cost of transporting you back to Ghana, while you are recuperating from your illness.
Covers Cost of Trip Interruption
It is common for travelers to suspend their vacation and return home earlier than they have planned. While there are several reasons why they do so, changes in travel plans usually attract additional fees for flight day-change and other necessities. Whenever you find the need to shorten your travel period, your Schengen travel insurance may absorb additional costs that come with emergency trip interruption.
Covers Cost of Returning Mortal Remains
Death is inevitable, meaning it can happen at any time. In an instance where a traveler falls ill and dies, Schengen travel insurance could cover the cost of returning the remains to Nigeria.
On a regular, the cost of returning a corpse back to Ghana is very expensive. A good policy in place could lessen the monetary effects of this on the family members of the deceased.
Approved Travel Insurance Agencies for Schengen Travel Insurance in Ghana
Below is a list of the accredited insurance companies offering such a cover and presently fulfilling the requirements. Please note that this list is not conclusive. Other insurance policies that comply with the above-mentioned requirements are also accepted.
Activa International Insurance Co. Ghana Ltd.
6th Avenue, Heritage Tower, West Ridge, Accra
Tel: +233 30 2 686352, 672145, 685118
Contacts: Ylvana Awoonor-Williams or Margareth Pempreh
Allianz Insurance Company Ghana
No. 79 Achimota Road, Ebony Crescent (Off the Olusegun Obasanjo Highway) Opposite Roman Ridge Accra,
Address: PMB CT 353, Cantonment-ACCRA Contact Person: Felix Boateng
Tel: (233-302) 764 893-94 Mob: 0245 809 629
Fax: (233-302) 765140
Bupa International Company plan
Donewell Insurance Company Ltd
Kuku Hill, Osu
Tel: +233 30 2 – 763065, 763171
Contact: 0202077001- Asantewaa Grace
Enterprise Insurance Co. Ltd.
Glico Life Insurance Company Ltd.
Hollard Insurance (former Metropolitan Insurance Company Ltd)
Capital Place, 11 Patrice Lumumba Road, Airport Residential Area, Accra
Tel: +233 (0)302 220966 | 227439 | 241322 | 225296 | (028) 9120070/1
Contact: Gustav Bruce
NSIA Insurance Company
Phoenix Insurance Co. (Gh) Ltd.
6th Ringway Link Estates, Accra
Tel: 0302246319 – 246322, 0244228377 (Paa Kwamena Daniels)
Contact: Paa Kwamena Daniels
2nd Floor, Platinum Place, Ridge – Accra,
P. O. BOX GP 21222, Accra
Tel : 0501447072 / 0275197275
Email : firstname.lastname@example.org
Contact: Isaac Kwakwa-Sarpong
Old Mutual (used to be called: Provident Insurance Co. Ltd)
Quality Insurance Company Ltd.
*QIC insurance document should be on letter headed paper, it should have a company stamp and one of the two signatures: Cecil Rebeiro or Yvonne Balogun
Star Assurance Co. Ltd
1st Floor, Stanbic Heights Building, 215 South Liberation Link, Airport City, Accra
Tel: 0302245906 / 0302245908
Contact: Catherine Danquah (head of retail) – 0302247463
SIC Insurance Co. Ltd
Unique Insurance Company
Vanguard Assurance Co. Ltd
No 47 Independence Avenue
Tel: 0302 666 485-7, 0244948335
Contact: (Bernice Esenam Tettedjie) Email: email@example.com
35, Aviation Road, Airport Residential Area Contacts:
- Abayomi Ogunshola tel. 0554310109 email: Abayomi.Ogunshola@wapic.com
- Gladys Kumi 0244547916 email: Gladys.firstname.lastname@example.org
- Daniel Otoo 0507149983 email: Daniel.NunooOtoo@wapic.com
How Much is Schengen Travel Insurance in Ghana
Now that you are ready to get your Schengen travel insurance, the question is how much is much is travel insurance in Ghana? Well, the Schengen travel insurance isn’t that expensive.
It all depends on your length of stay in a Schengen state and your age. The insurance policy varies widely.
According to prime insurance, the premium insurance price is $14 for 7 days, $27 for 21 days, $30 and $48 for 30 days and 60 days respectively. For 180 days you’ll have to pay $80 for it.
What are the Requirements for a Schengen Travel Insurance?
All you need to get Schengen travel insurance is a valid international passport. Before applying, you must have planned for your trip because information about your period of travel is also required for the insurance.
What is the Validity of a Schengen Travel Insurance Certificate?
Your insurance certificate will only last you for the duration of your travel. You can’t use one insurance policy for two different trips except you are moving within the Schengen states. You need a new one for every fresh trip from Ghana.