Travel insurance, including Schengen-compliant cover
Some destinations will not issue a visa without it, and every destination is a place where being uninsured can go badly. We arrange cover that meets the requirement and explain what it actually pays for.
- Based in Kampala
- Start on WhatsApp, by phone or email
- Booked and managed for you
- Not just a link to a booking site
- Costs explained up front
- Including what is not included
- Support while you travel
- A consultant you can actually reach
Who this service is for
If any of these sounds like you, this is the right place to start.
You are applying for a Schengen visa
Schengen states require medical cover meeting a set minimum across the whole area for your entire stay. The policy has to say so on its face.
You are travelling with family
One policy covering everyone travelling, rather than separate cover bought piecemeal.
You have a pre-existing condition
Declaring a condition matters. An undeclared one is the most common reason a claim is refused when it is needed most.
You are studying or staying long term
Longer trips need cover built for the duration, not a standard short-holiday policy extended.
What working with us looks like
Each stage has a clear purpose and a realistic timeline, so you always know where you are.
- 1
Tell us the trip
Same dayDestination, dates, who is travelling and any medical conditions that need declaring.
- 2
Check the requirement
Same dayWe confirm what your destination actually requires, which for Schengen visas is a specific minimum level of medical cover.
- 3
Policy arranged
1 to 2 daysCover put in place and the certificate issued in a form your embassy will accept.
- 4
Understand your cover
Before departureWe walk you through what is covered, what is excluded and the number to call if something happens abroad.
- 5
While you travel
OngoingIf you need to use the policy, we help you reach the insurer and understand the process.
What you get
Concrete deliverables, not vague promises.
- Cover that meets your destination's requirementIncluding the Schengen medical minimum
- An insurance certificate for your visa applicationShowing the dates, area and level of cover
- A plain explanation of what is coveredAnd, more importantly, what is not
- Correct declaration of medical conditionsSo a claim is not refused later
- Cover for everyone on the tripArranged together where that suits you
- Help if you need to claimReaching the insurer and understanding the process
What to have ready
None of this has to be final. Even approximate details are enough for us to start work.
Useful to have to hand
We tell you which of these apply to your trip
- Passport detailsFor everyone to be covered
- Travel datesCover must span the full trip
- Destination or destinationsSchengen cover must be valid across the whole area
- Ages of travellersPremiums and eligibility depend on age
- Any medical conditionsDeclaring these protects your claim
What this costs
Our service fee depends on the trip and how much of it we arrange, and it is always separate from the cost of the flights, accommodation, insurance premium or activities themselves. We quote the full amount before you commit to anything, and we tell you which parts of a booking are refundable and which are not.
Fares, room rates and premiums move constantly, so we confirm live prices at the time of booking rather than quoting figures that will be out of date by the time you read them.
Travelling somewhere that needs a visa?
Most destinations do. Check what your trip requires before you book anything, so your dates leave enough time to apply.
Questions about travel insurance
The questions clients ask us most about this service.
Still have a question?
Message a travel consultant in Kampala and get an answer today.
Ask on WhatsAppWhat insurance does a Schengen visa require?
Schengen states require travel medical insurance valid across the entire Schengen area for the full period of your stay, covering emergency medical treatment and repatriation to a set minimum amount. The certificate has to state the cover clearly. We check yours meets the requirement before you submit the application.
Do I need travel insurance for every destination?
Not every destination requires it as a condition of the visa, but that is a different question from whether you need it. Medical treatment abroad is expensive and is not covered by anything you hold at home. We will tell you where it is mandatory and where it is simply sensible.
What happens to my policy if my visa is refused?
That depends on the insurer's terms, and many policies bought for a visa application can be cancelled or refunded if the visa is refused, sometimes on production of the refusal letter. We check those terms before you buy so you know where you stand.
Should I declare a pre-existing medical condition?
Yes, always. An undeclared condition is the most common reason a claim is refused, and it tends to surface at the worst possible moment. Declaring it may change the premium or add an exclusion, but it means the cover you paid for will actually respond.
Does travel insurance cover trip cancellation as well as medical treatment?
Some policies do and some cover medical treatment only. Visa-driven policies are often medical-only, because that is what the embassy requires. If you want cancellation, lost baggage or delay cover as well, say so and we will arrange a policy that includes it.
Ready to plan your trip?
Tell us where you are going and when. We will come back with options and a clear price.