Good travel insurance protects your trip and, for Schengen visas, is often mandatory. This page explains what we do, what we don't do, and what you must check yourself.
Last updated: 23 September 2026
Oxford Holidays is a travel consultancy, not an insurer or insurance broker. We can explain the cover levels typically required for Schengen visa applications and highlight features worth checking, but the decision to buy a policy — and its suitability for you — is yours.
Insurance policies are contracts between you and the insurer, subject to the insurer's own terms, exclusions and claims process.
Schengen visa applications generally ask for travel medical insurance that:
Whichever policy you choose, confirm that it:
Failing to declare a medical condition can invalidate a policy. Answer every insurer question fully and honestly, and keep a copy of your declarations with your travel documents.
We do not provide medical advice. Before travelling, check official guidance such as the NHS Fit for Travel service and your destination's entry requirements, carry prescribed medicines in original packaging with supporting documentation, and speak to a medical professional about vaccinations or health concerns.
Claims are handled by your insurer, not by Oxford Holidays. Keep policy documents, receipts and incident reports safe, and contact your insurer's emergency line as soon as an issue arises.
Speak to the Oxford Holidays team before you book — we are happy to explain anything in plain language.
