When an annual travel policy is enough, and when a Schengen visa still needs a single-trip certificate with dates and €30,000 cover. Annual travel insurance can cover several UK trips in a year. A Schengen visa appointment often still wants a certificate that names this trip, these dates, and the Schengen Area with at least €30,000 medical cover. We check whether your annual policy prints that, or whether a single-trip visa policy is the safer paper for the embassy.
Send your ages, dates and whether you already have annual cover. WhatsApp +44 7853 751403. Annual vs single-trip travel insurance is written for UK travellers who need a certificate an embassy will actually accept. Robin Holidays arranges Schengen-compliant travel insurance from Oxford Street, Mayfair.
WhatsApp +44 7853 751403 or email info@robinholidays.co.uk. Company number 16799461. Schengen rules ask for at least €30,000 of medical cover, valid for every country in the Area for the whole stay, including emergency treatment and repatriation. A cheap annual policy can fail the file if the certificate does not name the Schengen Area, the dates, or the travellers as they appear in the passports.
Family policies must list every applicant. Pre-existing conditions have to be declared before cover starts; undeclared conditions are the usual reason a claim is refused. If the visa is refused and you have not travelled, many insurers refund the premium against the refusal letter. Ask for that wording before you pay.
We match the certificate to the appointment dates so you are not reprinting cover the morning of biometrics. Annual vs single-trip travel insurance should sit with the rest of the visa file: flights or a flexible hold, hotels you can cancel, and funds that cover the itinerary. Single-trip cover is often the safer visa document even if you already hold an annual policy, because the embassy wants dates and territory printed clearly. We check that the certificate is in English or accompanied by a translation if the centre asks.
Names, dates of birth and passport numbers must match the application form. We also book the holiday the insurance is meant to protect. Start from the travel insurance page or send an inquiry if you need the certificate and the visa appointment in the same week. Phone +44 7853 751403.
This is information for travellers from the UK, not a medical or legal opinion.