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Travel insurance

Travel cover that matches your visa requirement and your trip

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Many embassies ask for travel medical insurance as part of a visa application. Schengen visas for Europe, for example, usually require travel medical insurance for the whole stay.

We help you choose cover that matches the visa requirement and your trip. The policy is issued by the insurer, and its terms and claim decisions rest with the insurer.

Why embassies ask for travel insurance

Medical treatment abroad can be expensive, and some countries want to know you can pay for it if you fall ill or have an accident during your visit. Where insurance is required, the checklist usually sets out what the policy must cover, such as medical emergencies and repatriation, and for which dates.

Requirements differ by country and change over time. We check the current embassy or VFS checklist before you buy.

Who it is for

  • Tourists and business travellers applying for a visa that requires insurance, such as a tourist visa for a Schengen country
  • Students going abroad, who may be asked for insurance for the visa or by their university
  • Parents and senior citizens visiting family abroad
  • Anyone who wants cover for medical emergencies and, depending on the policy, problems such as lost baggage or trip delays

What you’ll need

  • Your travel dates and the countries you will visit
  • The age of each traveller
  • Details of any pre-existing medical conditions, which insurers usually ask you to declare
  • Your visa checklist, if it sets out insurance requirements

How it works

  1. Tell us about your trip: where you are going, when, and who is travelling.
  2. Check the requirement: we check what your visa checklist asks the policy to cover.
  3. Compare cover: we explain suitable options, including what is covered and what is excluded.
  4. Buy and keep the policy: you receive the policy documents to submit with your visa application and to carry when you travel.

How Miras helps

  • Match the cover to your visa requirement and travel dates
  • Explain the policy terms and exclusions in plain language
  • Line up the policy dates with your flights and itinerary
  • Answer your questions before you travel

Contact us with your travel dates and destination, and we will explain the cover your visa needs.

Information last reviewed . Visa rules change often — we confirm the current checklist with you at consultation.

Frequently asked questions

Is travel insurance required for a visa?

For some visas, yes. Schengen visas for Europe usually require travel medical insurance, and other countries may ask for it or recommend it.

Requirements differ by country and change over time. We check the current checklist for your destination at consultation.

What if my visa is refused after I buy insurance?

Refund and cancellation terms are set by the insurer and depend on the policy. Some policies can be cancelled before the start date if a visa is refused, and others cannot.

We point out these terms before you buy, so you can decide with the full picture.

Do I need to declare a medical condition?

Insurers usually ask about pre-existing medical conditions, and cover for them varies from policy to policy. A condition that was not declared can affect a claim.

Tell us about any conditions when we discuss cover, and we will explain the options before you buy.

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