Schengen Europe
€30,000 minimum medical
Mandatory for every Schengen visa application, valid across all 29 Schengen countries for your full stay.
- Embassy-accepted certificate
- Repatriation cover included
- Issued before your appointment
Travel Insurance
Travel protected, from take-off to touchdown
Medical cover, cancellation protection and luggage cover — matched to your visa requirements and issued alongside your trip.
What's Covered
Protection that travels with you
Every policy we arrange can be tailored — these are the covers travelers ask for most.
Emergency medical cover
Hospital visits, emergency treatment and medical evacuation abroad — the cover most embassies ask to see.
Trip cancellation & curtailment
Recover prepaid flights and hotel costs if illness, visa refusal or emergencies force you to cancel.
Lost or delayed luggage
Compensation for bags that go missing — plus essentials cover while the airline tracks yours down.
Flight delays & missed connections
Meals, hotels and rebooking costs when delays disrupt your itinerary through no fault of your own.
Personal belongings & documents
Cover for passports, phones, laptops and valuables lost or stolen while you travel.
Emergency assistance line
Most plans include an emergency assistance line for medical and travel emergencies abroad — the hours and languages covered are set out in your policy documents.
Cover By Destination
Policies built around where you're going
Each destination has its own minimum requirements — we match the plan to the embassy checklist.
United Kingdom
Recommended for visitors
Travel medical insurance is recommended for UK visitors. There is no standard visa-mandated minimum medical cover for ordinary UK Standard Visitors, but appropriate cover can help protect against unexpected medical and travel costs.
- Emergency medical & dental
- Trip cancellation cover
- Covers UK domestic connections
United States
Higher cover limits advised
Higher medical cover limits may be appropriate because healthcare costs in the United States can be substantial. We arrange high-limit medical plans through our insurance partners.
- High medical limits
- Emergency evacuation
- Optional adventure-sport add-on
Worldwide
Single or annual multi-trip
One policy that follows you across Asia, Africa, the Middle East and the Americas — ideal for frequent flyers.
- Annual multi-trip option
- Family and group cover
- Emergency assistance line (availability depends on the policy)
Why Arrange It With Us
Insurance that fits your itinerary
We match the policy to your visa requirements — Schengen, UK, US and student visas all have different requirements.
We arrange your certificate ahead of your visa appointment or departure, with dates aligned to your itinerary.
If you ever need to claim, we guide you through the paperwork instead of leaving you to figure it out alone.
Good to Know
Travel insurance FAQs
Is travel insurance mandatory for my visa application?
For Schengen visas, yes — travel medical insurance with at least €30,000 cover is a strict requirement. The UK, US, Canada and UAE don't always require it, but we strongly recommend it for every international trip regardless of visa rules.
How much does travel insurance cost from Nigeria?
Prices vary by destination, age, trip length, travel dates and level of cover. Annual multi-trip policies can be better value if you travel three or more times a year — send us your trip details and we will quote current options from our insurance partners.
When should I buy my travel insurance?
As soon as your trip is booked — especially if you want cancellation cover, which only protects bookings made after the policy starts. For visa applications, we issue the certificate to match your appointment timeline.
Does travel insurance cover visa refusal?
Some policies include a visa-refusal benefit that refunds certain non-refundable costs, but it's not standard on every plan. Tell us if this matters to you and we'll include it in the options we quote.
Please note: Bemer Travels arranges travel insurance through licensed insurance partners. Policies are underwritten and issued by the insurance provider, and claims are assessed by them under the policy terms. We'll always share the full policy wording with you before you pay.
Add insurance to your trip in one message
Tell us your destination and dates — we'll quote cover options, and your certificate may be available promptly after purchase, depending on the provider and policy.
Get a cover quoteRequest a travel insurance quote
Send us your destination, dates and travellers — we quote cover options, and your certificate may be available promptly after purchase, depending on the provider and policy.