Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Planning a once-in-a-lifetime trip around the beautiful cities of Europe? If you’re travelling for more than three months, you may need to apply for a Schengen visa. With only a few insurers meeting the strict medical requirements, it can be hard finding the right policy to cover you. We're here to help make sure your insurance is up to scratch.
As you can imagine, this region has become a popular destination for not only Australians but travellers all over the world to visit. Whether you need a visa or not will depend upon your country of residence and details of your trip:
Australian residents can travel within the Schengen countries for up to 90 days for every half a year without having to buy a visa. However, if you’re staying for longer than this time, working or studying in a particular country, you will need to check the visa requirements with the relevant embassy or consulate.
Residents of other countries such as Fiji, China and Thailand must have the Schengen visa regardless of their length of stay.
Take your time when choosing what type of visa to get for your trip. If you get it wrong, you could find yourself stuck outside of the Schengen area and banned from going back in - eeek!
A Single-entry visa allows you to stay within the Schengen area for the specific number of days stated on your visa. Once you've left, you can't return, even if you have not used up all of your days.
A Double-entry visa works in a similar way to the single-entry however, you have a second chance to revisit if you leave. Again, make sure you're not over-staying the time period on your visa.
A Multiple-entry visa lets you come and go as you please. As long as you are abiding by the 90-day travel rule in every 180 days, there are no restrictions on how many times you can re-enter. For the spontaneous travellers out there, this visa is the one for you.
|Insurer||Underwriter||Overseas Medical Cover||Buy Now|
|Australia Post||Zurich Australian Insurance Limited||Unlimited medical cover including up to €30,000 for overseas funeral expenses or repatriation of your remains.|
|Columbus Direct||Certain underwriters at Lloyd's||Overseas medical expenses and emergency repatriation covered up to $25 million. No sub-limits stated for repatriation of mortal remains|
|Insure4Less||Berkshire Hathaway Specialty Insurance Company||Unlimited medical cover. No sub-limits stated for returning your remains to your normal country of residence.|
|Medibank Private||Zurich Australian Insurance Limited||Unlimited medical cover including up to €30,000 for overseas funeral expenses or repatriation of your remains.|
|Travel Insuranz||Berkshire Hathaway Specialty Insurance Company||Unlimited medical cover. No sub-limits stated for returning your remains to your normal country of residence.|
You will need to apply for your visa at least 15 days before your departure date but the earliest you can apply is 3 months before your trip. Start preparing your documents as soon as possible so you have everything ready to submit with your Schengen visa application.
No. Travel insurance doesn’t usually cover for failure to obtain the relevant visa or travel documents so it's important to make sure your travel insurance meets the medical standards and your application form has been filled out correctly.
The Consulate should reply within 10 working days of your visa being lodged. Bear in mind, in some extraneous situations, processing time can take up to two months so it pays to be organised.
Unfortunately, it’s up to you to do the hard work! Travel insurers can only give information on their policies, they won’t sign or review legal documentation to ensure their policy meets your needs. If in doubt, contact the relevant embassy for any specific questions you may have.
Depending upon your type of visa, you will be allowed just the one entry or multiple entries into the Schengen area. Make sure you choose the visa which is suited to your needs. If you purchase a single-entry visa and leave, you won’t be able to return on the same visa.
Do not fear! You can appeal the refusal decision. The reason for denial will be stated on your notification, along with how to appeal so you can amend your application accordingly and resubmit your application.
The visa costs approximately €60 for adults and €35 for children under the age of 12. Depending upon your reason for travel, you may be able to get the visa fee waived. Check with the consulate where you will be applying for further information.
After completing her psychology degree, Harriet left the UK for her Australian adventure – rafting, paragliding, shark-diving and jumping out of planes – before settling down in Sydney. Harriet has Tier 2 General Insurance General Advice certification and has specialised in travel insurance for the last two years. A foodie who loves learning all about local cuisines, she likes giving customers top travel insurance tips and restaurant recommendations.