Category Archives: F.A.Q.

Frequently Asked Questions Regarding International Medical Insurance.

What are the Schengen Countries Insurance Requirements?

The following countries are included in the Schengen Area and have special travel medical insurance requirements:

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.

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Travel Insurance Rules for Schengen Area

  • Medical Health Insurance Coverage of 30,000 Euro ($41,000 US)
  • Policy must cover emergency medical evacuation and return of mortal remains

Essentially, the Patriot Plan will meet these requirement without any problem. Once you purchase your plan you will get an email almost instantly. The email will have a link to a Visa Letter. The Visa letter can be printed and should be kept with you when you pass through customs. The Visa Letter includes full contact information so customs could call and validate coverage if they desired to do so. Here is an excerpt of the Visa Letter used for a primary destination of Italy with a $50,000 policy limit:

Medical coverage is provided while traveling worldwide outside of the insured person’s Home Country including ITALY, per the policy provisions. Coverage includes the Schengen states per the policy provisions. Emergency evacuation (also known as Repatriation) is provided up to a maximum benefit of 500,000.00 USD, and Return of Mortal Remains benefits up to a maximum of 50,000.00 USD are included. A copy of the Schedule of Benefits providing an outline of coverage provided, limitations and maximum benefits, is attached, as well as the Declaration Page of the Certificate indicated above. This information will verify that Eligible Expenses, including Hospitalization expenses, are subject to an annual deductible. The maximum limit of coverage for the lifetime of the coverage is 50,000.00 USD.

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