Schengen Visa Insurance
That Works

Definitions

The stated below words and/or phrases wherever they appear have the following meaning:

Abroad

Outside the geographical borders of the country of residence.

Accident

The bodily Injury suffered during the validity of the policy, which derives from a violent, sudden, external cause and one that is not intended by the Insured.

Catastrophe

An event where the insured person is necessarily and unavoidably required to move from their pre-booked and pre-paid accommodation as a result of fire, lightning, explosion, earthquake, storm, tempest, hurricane, flood, medical epidemic, or Local Government directive.

Covered Trip

An intended and planned trip undertaken by the Insured outside his Usual Country of Residence. The maximum duration of any one Covered Trip is 92 consecutive days.

Deductible or Excess

The amount of expenses which is not Covered by the Insurer, and that are to be paid by the Insured Person before the Policy Benefits become payable.

Sudden Illness

Any sudden change in health diagnosed and confirmed by a legally recognized Doctor during the life of the policy and which is not comprised or derived from Congenital disease or Pre-existing disease.

(Refer to the full PDF document for the complete list of definitions including Hijack, Injury, Medical Supervision, Personal Money, etc.)

Personal Assistance & Medical Cover

1. Emergency Medical Expenses

In the event of an Accidental Injury or Sudden Illness occurring outside the Usual Country of Residence, the Assistance Company will meet the usual, customary, necessary, and reasonable costs of hospitalization, surgery, medical fees, and pharmaceutical products.

2. COVID-19 Coverage

If the appropriate additional premium is paid, coverage includes Emergency Medical hospitalization for COVID-19 (if PCR positive 72 hours after arrival). Limit: 10 days maximum hospitalization.

3. Emergency Dental Care

Restricted to the treatment of pain, infection, and removal of the affected tooth.

4. Medical Evacuation & Repatriation

The Assistance Company will take charge of transferring the Insured to a properly equipped medical facility or repatriating them to their country of residence if necessary.

Other Medical Benefits

• Extension of Stay: Costs of hotel/accommodation if extension is medically certified.
• Repatriation of Mortal Remains: Transport to the place of interment in the usual country of residence.
• Compassionate Visit: Travel and stay for one immediate family member if Insured is hospitalized for more than 7 days.
• Escort of Minor Child: Provision of a suitable person to look after children under 18 if the Insured is hospitalized.

Trip Cancellation & Delay

1. Trip Cancellation & Curtailment

Indemnification for irrecoverable deposits and charges if the trip is cancelled/curtailed due to:

• Death, injury, or illness of Insured or immediate family.
• Jury service, witness summons, or major damage to home.
• Strike, riot, fire, flood, or adverse weather affecting transport.
• Visa failure (if applied for 21 days prior).

2. Delayed Departure

Compensation for meals/accommodation after 24 hours delay due to strike, weather, or mechanical breakdown.

3. Missed Event

Reimbursement for ticket costs of sports/music events missed due to injury, illness, or transport breakdown.

4. Missed Flight Connection

Expenses for replacement flight tickets if a connecting flight is missed due to delay of the incoming public common carrier.

Luggage Assistance

1. Loss of Checked-in Luggage

Compensation supplementing the carrier's liability for lost luggage. Minimum 21 days for luggage to be considered lost.

2. Delayed Luggage

Reimbursement for essential clothing and toiletries if luggage is delayed (period specified in schedule).

3. Loss of Credit Card

Coverage for unauthorized transactions for the first 24 hours after loss/theft (must be reported within 6 hours).

4. Loss of Passport/Documents

Expenses for obtaining new passports, driving licenses, or national identity cards abroad.

5. Loss of Laptop

Coverage for loss/theft of laptop (police report required within 24 hours).

Personal Accidents

Coverage for bodily injury resulting solely from external, violent, visible, and accidental means causing:

• Accidental Death
• Permanent Total Disability
• Permanent Partial Disability

Disablement Scale (Examples)

(See full policy for complete scale)

Personal Liability & Legal

Personal Liability

Indemnification for legal liability for accidental bodily injury to third parties or damage to their property.

Advance of Bail Bond

Provision of bail bond required by criminal judicial authorities (must be refunded by Insured).

Legal Assistance

Reimbursement of expenses for judicial actions to obtain pecuniary repair of physical damage.

Hijack/Kidnap

Benefit per hour of incarceration if prevented from reaching destination due to hijack (limit applies).

Golf Section

Golf Equipment Cover

Cover for loss, theft, or damage to own golf equipment (repair or replacement cost).

Hole-in-one

Reimbursement for customary food and beverages up to $300 (excluding alcohol) for celebrating a hole-in-one.

Golf Liability

Indemnification for legal liability while playing or practicing on a recognized golf course.

General Exclusions

The following are generally excluded from cover:

• Pre-existing medical conditions (unless declared and accepted).
• Claims arising from war, terrorism, or radioactive contamination.
• Participation in hazardous sports (motor racing, skydiving, etc.) without extension.
• Suicide, self-inflicted injury, or mental disorders.
• Influence of alcohol or drugs.
• Pregnancy/childbirth complications.
• Pandemics/Epidemics (except specific COVID-19 cover if purchased).
• Travel against medical advice.

How to Request Assistance

In the event of a claim, contact Swan International Assistance immediately (24/7).

Contact Numbers

• USA / Canada: +1 (number in the policy)
• France / Europe: +33 (number in the policy)7
• International: +961 (number in the policy)
• Email: (Email in the policy)

Reimbursement Procedure

If you cannot contact assistance directly due to force majeure:

1. Obtain a "CASE NUMBER" from Swan International Assistance.
2. Send an explanation letter.
3. Submit official documents (Medical Reports, Police Reports, Original Receipts).