Schengen Neat insurance: answers to your questions

Are you planning a trip to Europe or the Schengen area and wondering whether Neat Travel Protect insurance is right for you? Whether you're an occasional traveler or a globetrotter, here's a complete FAQ to help you understand everything about our coverage, the procedures involved and the advantages of our embassy-approved insurance.

Is this insurance right for me? Can I buy it for a loved one?

Yes, you can take out Neat Travel Protect not only for yourself, but also for a family member or friend. All you need to do is enter your details when you subscribe. Once the contract has been validated, the insurance certificate is sent immediately by email, ready to be used when applying for a visa.

What's the difference between the Silver and Gold formulas? 

Neat offers two formulas: Silver and Gold. The main difference lies in the amount of medical cover. The Silver plan covers up to €30,000, while the Gold plan offers enhanced protection of up to €80,000.  

What should I do if I make a mistake when subscribing?

If you have made a mistake when entering your details, simply contact customer service at serviceclient@neat.eu, specifying the correction you would like to make. 

A new insurance certificate will then be emailed to you. 

Can I change or extend the dates of my contract?

Yes, you can adjust the dates of your contract, provided you apply before the effective date shown on your certificate. If your stay is extended, you can also extend the duration of your insurance, as long as your visa remains valid. 

You can do so from this form.  

Is the insurance refundable if my visa is refused?

If your visa application is refused, Neat will refund your insurance costs. Simply send an email to serviceclient@neat.eu , enclosing the official letter stating that your visa has been refused.  

Please note: the request for reimbursement must reach us before the effective date shown on your subscription certificate. 

When and where does Neat travel insurance work? 

Coverage begins on the date shown on your certificate, as soon as payment is made. It is valid in all Schengen countries, and worldwide depending on the plan chosen.

The contract must be taken out before you leave on your trip. 

How do I take out Neat travel insurance? 

Neat travel insurance is easy to apply for. Simply fill in our online form and complete your subscription in just a few clicks. No supporting documents are required. 

Payment is secure and made by credit card. You'll receive your insurance certificate by email in just a few seconds. 

Is Neat insurance recognized by embassies? 

Yes, Neat insurance is recognized and approved by the embassies and consulates of Schengen member countries. It meets all the official requirements for obtaining a Schengen visa, including medical cover (minimum €30,000), repatriation and territorial validity.  

For greater transparency, you can check the authenticity of your contract in the "Manage contract" section, or by clicking here. 

What's the difference between classic travel insurance and Schengen insurance? 

Unlike conventional travel insurance, Schengen insurance is designed to meet the specific requirements of embassies, including : 

• Medical coverage of at least €30,000 
• Repatriation in the event of serious illness or death 
• Valid in all Schengen countries 

Conventional travel insurance does not necessarily meet all these criteria, and is not recognized by embassies for Schengen visa applications. 

What happens in the case of Covid-19? 

You can take out a "COVID-19 Guarantee" extension for peace of mind when traveling.  

This option is available with all our formulas and covers in particular : 

• Repatriation/medical transport 
• Medical expenses (according to the amounts indicated in your contract) 
• COVID-19" quarantine accommodation costs 

Can I travel within the Schengen area without a visa if I hold a residence permit from one of the member countries? 

If you hold a residence permit issued by a Schengen country, you can enter and travel within the Schengen area without a visa.  

Please note: you must still be in possession of a valid passport and residence permit. 

How do I report a claim or request reimbursement? 

In the event of a claim, contact our VYV INTERNATIONAL ASSISTANCE center as soon as possible, 24 hours a day, 7 days a week, at +33.5.86.85.01.09 or by e-mail at ops@vyv-ia.com. 

When you call, you will be asked to provide certain information so that we can process your request as quickly as possible. Please have the following information ready: 

• First and last name 
• Contract number 
• Country and city where you are at the time of the call 
• Telephone number where you can be reached 
• Nature of your problem 

It is imperative to contact the assistance service before taking any action, failing which no cover will be granted. 

For all requests for reimbursement of your out-of-pocket expenses, please contact the same department. Reimbursements will only be made on presentation of original receipted invoices, corresponding to expenses incurred with our prior agreement.