How to Get a Schengen Visa: Step-by-Step Application Process (2025)

Applying for a Schengen visa follows a structured and standardised process, but many applicants face delays or refusals due to procedural mistakes rather than eligibility issues. Choosing the wrong country to apply to, submitting incomplete documents, or missing mandatory requirements are among the most common errors identified by consulates and VFS centers.

This guide explains how to get a Schengen visa step by step, based on how applications are actually processed by Schengen authorities. It covers the key stages of the application, from selecting the correct consulate to attending your visa appointment.

The 5 Mandatory Steps to Get a Schengen Visa

1๏ธโƒฃ Define the competent country : Identify which Schengen country is responsible for processing your visa application based on your travel itinerary.

2๏ธโƒฃ Complete the visa application form : Fill in the Schengen visa form online or on paper, depending on the country and consular system used.

3๏ธโƒฃ Gather all required documents : Prepare the mandatory documents, including passport, photo, travel insurance, and proof of travel purpose.

4๏ธโƒฃ Book a visa appointment : Schedule an appointment at VFS Global, TLScontact, or the relevant consular centre.

5๏ธโƒฃ Attend the appointment and wait for a decision : Submit your file, provide biometric data, and wait for the consulate to review and decide on your application.

What you need to know before applying for a Schengen Visa

  • A Schengen visa allows short stays across 29 European countries
  • You must apply through the correct country, based on your travel itinerary
  • Applications follow a clear sequence: documents โ†’ application โ†’ appointment โ†’ biometrics
  • Most applicants submit their files via VFS Global or TLScontact
  • Photo and travel insurance compliance are systematically checked
  • Many refusals are linked to wrong consulate selection or missing documents
  • Proper preparation significantly improves processing time and approval chances

To obtain your Schengen visa, you will need proof of insurance recognized by consulates and VFS centers. Purchasing through HelloSafe allows you to obtain immediate proof of insurance and receive a refund if your visa application is refused.

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Which country should you apply to for a Schengen visa?

One of the most critical steps in the Schengen visa process is determining which country you must apply to. Applying through the wrong consulate is a frequent and avoidable mistake that can lead to automatic refusal, regardless of the quality of the rest of your application.

Schengen rules clearly define which country is responsible for examining your visa application. This decision is based on your travel itinerary, not on personal preference or convenience.

Schengen authorities apply the following rules, in strict order:

๐Ÿงญ Travel situation
Competent country
๐Ÿ‡ช๐Ÿ‡บ Visiting only one Schengen country
The country you will visit
๐Ÿ—บ๏ธ Visiting several Schengen countries
The country where you will spend the most nights
โœˆ๏ธ Equal stay in multiple countries
The country of first entry into Schengen
Competent countries to apply Schengen visa

These rules apply to all short-stay Schengen visas, regardless of your nationality or travel purpose (tourism, business, family visit).

Consulates and VFS centers systematically check whether:

  • your itinerary matches the consulate you applied to,
  • your accommodation and travel bookings are consistent,
  • your main destination is clearly justified.

If the consulate determines that another country should have processed your application, your visa may be refused without examining the rest of your documents.

Warning

Always make sure your flight bookings, accommodation reservations, and travel plan clearly support the country you apply to. Ambiguous itineraries are a common source of refusal.

Practical examples to avoid mistakes

๐Ÿงณ Example itinerary
Where to apply
7 days in France only
France
3 days in Spain + 6 days in Italy
Italy
4 days in Germany + 4 days in Austria, entering via Germany
Germany
Example of country for application

If your travel plan changes after submission, it is strongly recommended to update or reapply correctly, rather than attend a VFS appointment with an inconsistent itinerary.

What documents are required to apply for a Schengen visa?

Preparing the right documents is one of the most decisive steps when applying for a Schengen visa. VFS centers and consulates follow strict checklists, and even a single missing or non-compliant document can lead to delays or refusal.

While document requirements may vary slightly depending on the country and the purpose of travel, Schengen authorities rely on a common core list of mandatory documents, supplemented by additional documents depending on your situation.

The following documents are required for all applicants, regardless of nationality or travel purpose.

Core documents for Schengen Visa application

๐Ÿ“„ Document
Why it is required
Checked at VFS
๐Ÿ›‚ Valid passport
Confirms identity and travel eligibility
โœ”
๐Ÿ“ Schengen visa application form
Official request reviewed by the consulate
โœ”
๐Ÿ“ท Visa photo
Biometric identification
โœ”
๐Ÿฉบ Travel insurance
Covers medical risks and repatriation
โœ”
โœˆ๏ธ Travel itinerary
Justifies travel plans and dates
โœ”
๐Ÿจ Proof of accommodation
Confirms place(s) of stay
โœ”
๐Ÿ’ณ Proof of financial means
Demonstrates ability to support the trip
โœ”
๐Ÿ“‘ Copies of documents
Administrative verification
โœ”
Documents required for Schengen visa applications
Expert tip

VFS officers verify document presence and basic compliance, but consulates assess consistency and credibility. All documents must align in dates, destinations, and duration.

Additional documents depending on your travel purpose

In addition to the core documents, applicants must provide supporting documents based on the reason for travel.

๐ŸŽฏ Travel purpose
Additional documents usually required
๐Ÿ–๏ธ Tourism
Hotel bookings, travel plan, return ticket
๐Ÿ’ผ Business
Invitation letter from company, business contacts
๐Ÿ‘ช Family or private visit
Invitation letter, host ID/residence proof
๐Ÿš— Transit
Proof of onward travel and destination visa (if applicable)
Visa Schengen additional documents

Providing documents that do not match the declared travel purpose is a frequent reason for refusal.

Key documents that are most frequently checked and rejected

From practical experience, the following documents receive extra scrutiny at VFS and consulates:

  • Visa photo (size, background, recency) - read our guide on Schengen Visa Photo Size and Requirements
  • Travel insurance certificate (coverage, dates, territory)
  • Proof of accommodation (authenticity and consistency)
  • Financial documents (clarity and sufficiency)

For travel insurance in particular, consulates require coverage of at least โ‚ฌ30,000, valid for all Schengen countries and covering the entire duration of stay.

Many applicants rely on comparison platforms such as HelloSafe to identify insurance policies explicitly accepted by Schengen consulates, obtain an instant insurance certificate, and avoid issues related to unclear or non-compliant coverage. An additional advantage is the possibility of refund if the visa is refused, which reduces financial risk.

Get your instant, compliant Schengen visa certificate

How to fill in the Schengen visa application form?

Filling in the Schengen visa application form correctly is a mandatory step before booking a visa appointment. Errors or inconsistencies in the form are among the most common reasons for delays or refusals, even when all supporting documents are correct.

Depending on the country you apply to, the form may be completed online, printed and signed, or both.

Online application vs paper form: what depends on the country?

Schengen countries use different systems to collect visa applications, but the information requested is largely the same.

๐ŸŒ Application method
How it works
When it is used
๐Ÿ’ป Online application
Form completed on an official portal, then submitted or printed
Common for France, Germany, Netherlands
๐Ÿ“„ Paper form
PDF or paper form filled in manually and signed
Used by some consulates or via VFS
๐Ÿ” Hybrid process
Online form + printed confirmation
Very common at VFS centers
Online or paper application
Expert advice

Always use the official portal recommended by the consulate, not third-party websites that offer to โ€œfill the form for youโ€.

Information you must enter carefully

Consulates cross-check the application form with all supporting documents. The following sections require particular attention:

๐Ÿ“Œ Form section
What consulates verify
๐Ÿ›‚ Personal details
Match with passport exactly
๐Ÿ“… Travel dates
Consistency with itinerary and insurance
๐ŸŒ Main destination
Matches the consulate you apply to
๐Ÿจ Accommodation
Matches hotel or invitation letter
๐Ÿ’ผ Purpose of travel
Matches supporting documents
๐Ÿ–Š๏ธ Signature
Present and correctly placed
Important informations for Schengen visa application
How the application form is checked at VFS and by consulates

VFS officers verify that the form is complete, signed, and consistent with basic documentsConsulates assess the content, logic, and consistency of the information provided

This means that even if VFS accepts your file, inconsistencies may still lead to refusal during consular review.

Common mistakes that lead to rejection

From practical experience, these errors occur most frequently:

  • Selecting the wrong main destination
  • Entering travel dates that do not match bookings
  • Leaving mandatory fields incomplete
  • Using inconsistent spelling of names or passport numbers
  • Forgetting to print and sign the form when required
Expert tip

Never rush the form. A correctly completed application form strengthens the credibility of your entire file.

Read more on Visa Schengen Rejection Rates.

How to book a Schengen visa appointment at VFS or TLScontact?

After completing your application form, the next mandatory step is to book a Schengen visa appointment. In most countries, applications are submitted through an external visa application centre, mainly VFS Global or TLScontact, acting on behalf of Schengen consulates.

You cannot submit a Schengen visa application without a confirmed appointment.

What is the role of VFS Global and TLScontact?

VFS Global and TLScontact are official intermediaries appointed by Schengen countries to manage the administrative part of visa applications.

Their role includes:

  • collecting visa applications and documents
  • verifying basic compliance (presence, format, signatures)
  • collecting biometric data (fingerprints and photo)
  • forwarding files to the consulate for decision

They do not decide whether a visa is approved or refused. The final decision is always made by the consulate.

How to book your Schengen visa appointment step by step

The booking process generally follows this sequence:

๐Ÿ“Œ Step
What you need to do
๐Ÿ–ฅ๏ธ Create an account
Register on the VFS or TLScontact website
๐ŸŒ Select country & visa type
Choose the consulate and visa category
๐Ÿ“… Choose a date
Select an available appointment slot
๐Ÿ’ณ Pay service fees
Visa fee + service fee (if applicable)
๐Ÿ“„ Download confirmation
Appointment receipt to bring on the day
Schengen appointment booking
Expert advice

Appointment availability varies greatly by country and season. During peak periods, slots can be limited, so early booking is strongly recommended.

What documents must you bring to your VFS or TLS appointment?

On the day of your appointment, you must bring a complete physical file, even if part of the process was completed online.

๐Ÿ“„ Document
Required at appointment
๐Ÿ›‚ Passport
Original + copies
๐Ÿ“ Application form
Printed and signed
๐Ÿ“ท Visa photo
Physical photo (if required)
๐Ÿฉบ Travel insurance certificate
Mandatory
โœˆ๏ธ Travel documents
Itinerary, accommodation
๐Ÿ’ณ Proof of means
Bank statements or equivalent
๐Ÿ“… Appointment confirmation
Printed
Documents for VFS or TLS appointment

If a mandatory document is missing or non-compliant, VFS or TLS may refuse to accept your file, requiring you to book a new appointment.

What happens during the visa appointment?

The appointment itself is usually straightforward and lasts 15 to 30 minutes.

๐Ÿงพ Stage
What happens
๐Ÿ“‘ Document intake
File checked for completeness
๐Ÿงฌ Biometrics
Fingerprints and photo collected
๐Ÿ’ฐ Fee confirmation
Visa and service fees verified
๐Ÿ“ฆ File submission
Application forwarded to consulate
Schengen visa appointment

Biometric data is mandatory unless you have given fingerprints for a Schengen visa within the last 59 months (some applicants may still be asked to provide them again).

Common reasons applications are blocked at the appointment stage

From field experience, the most frequent issues at VFS or TLS are:

  • incomplete document sets
  • non-compliant visa photos
  • insurance certificates not covering all visa Schengen countries or dates
  • inconsistencies between form and documents
  • missing copies or unsigned forms

This is why documents such as the visa photo and travel insurance are considered critical. Many applicants choose solutions that provide clear, immediately verifiable insurance certificates aligned with consular standards, reducing the risk of rejection at the counter.

After your appointment: what happens next?

Once your file is accepted:

  • your application is forwarded to the consulate
  • processing time begins
  • you can track your application online
  • your passport is returned once a decision is made

The next step in the process is understanding how long it takes to get a Schengen visa and when to apply to avoid last-minute issues.

How long does it take to get a Schengen visa?

The processing time for a Schengen visa is not the same for all applicants or all countries. While Schengen rules define a legal framework, actual timelines depend on the consulate, the country of application, the season, and the completeness of your file.

Understanding these timelines is essential to avoid travel disruptions or missed departure dates.

Official processing time defined by Schengen rules

Under Schengen regulations, consulates are expected to process short-stay visa applications within:

  • 15 calendar days in standard cases
  • Up to 30 days when additional checks are required
  • Up to 45 days in exceptional situations

These timelines start after your application is officially accepted at VFS or TLScontact, not on the day you book your appointment.

How early should you apply for a Schengen visa?

To minimise risk, applicants are advised to:

๐Ÿ—“๏ธ Recommendation
Explanation
Apply at least 3โ€“4 weeks before travel
Allows time for processing and delays
Avoid last-minute applications
Increases refusal or missed travel risk
Apply earlier during peak season
Summer and holidays cause delays
Recommanded time for visa application
Expert advice

While some visas are issued in under 10 days, this cannot be guaranteed and should never be relied on for urgent travel.

Factors that affect real processing times

Several elements influence how long your application takes:

  • country and consulate you apply to
  • nationality of the applicant
  • time of year (peak vs low season)
  • need for additional verification
  • completeness and consistency of documents

Applications that require follow-up requests or clarification naturally take longer.

Delays caused by document issues

From practical experience, delays are often linked to:

  • non-compliant visa photos
  • unclear or insufficient travel insurance
  • missing or inconsistent documents
  • itinerary inconsistencies

When consulates request additional documents, the processing clock may effectively pause. This is why many applicants choose clear, consulate-accepted insurance certificates that are immediately verifiable and cover the full duration of stay, reducing the likelihood of follow-up requests.

Can you track your Schengen visa processing time?

After submitting your application, you can:

  • track your file via the VFS or TLScontact portal
  • receive notifications when your passport is ready
  • collect your passport once a decision is made

However, tracking does not speed up processing, and consulates rarely provide individual status updates beyond the standard system.

๐Ÿง  Expert tip to avoid last-minute issues

The most effective way to avoid delays is to submit a fully compliant application from the start. Files that meet photo, insurance, and document requirements in full are typically processed faster, with fewer requests for additional information.

What are the most common reasons for Schengen visa refusal?

A Schengen visa refusal is rarely arbitrary. In most cases, it results from clear and identifiable issues related to documents, consistency, or credibility. Understanding these reasons helps applicants anticipate risks and correct weaknesses before submission.

Below are the most frequent refusal grounds observed by consulates, even when applications pass the VFS intake stage.

Incomplete or inconsistent application documents

One of the leading causes of refusal is a lack of consistency between documents.

โŒ Issue
Why it leads to refusal
How to avoid it
๐Ÿ“„ Missing documents
File considered incomplete
Follow the official checklist strictly
๐Ÿ”„ Inconsistent dates
Raises credibility concerns
Align itinerary, form, insurance
โœ๏ธ Unsigned form
Application legally invalid
Check signatures before appointment
Incomplete or inconsistent application documents

Consulates do not request missing documents systematically. In many cases, the application is refused directly.

Applying through the wrong Schengen country

Choosing the incorrect consulate is a procedural refusal, regardless of travel purpose.

โŒ Situation
Consular interpretation
๐Ÿ—บ๏ธ Wrong main destination
Jurisdiction not respected
โœˆ๏ธ First entry not justified
Application lacks legal basis
๐Ÿ“ Itinerary unclear
Possible forum shopping
Applying through the wrong Schengen country
Expert insight

This type of refusal can usually be avoided by clearly demonstrating the main destination through accommodation and travel planning.

Non-compliant visa photo

Visa schengen photo size and requirements are checked both at VFS intake and during consular review.

โŒ Photo issue
Why it is rejected
๐Ÿ“ Incorrect size
Biometric standards not met
๐ŸŒ‘ Dark background
Facial recognition impaired
๐Ÿ˜ƒ Facial expression
Biometric mismatch
๐Ÿ“… Photo too old
Identity not reliably confirmed
Non-compliant visa photo

Even minor deviations can result in refusal or file rejection at the counter.

Travel insurance not meeting Schengen requirements

Schengen visa Travel insurance is one of the most strictly verified documents.

โŒ Insurance issue
Consular concern
๐Ÿ’ถ Coverage below โ‚ฌ30,000
Insufficient medical protection
๐ŸŒ Limited geographic scope
Not valid for all Schengen states
๐Ÿ“† Dates not covering stay
Gap in coverage
๐Ÿ“„ Unclear certificate
Impossible to verify compliance
Schengen travel insurance mistakes

To avoid this risk, many applicants use platforms such as HelloSafe, which allow them to compare only travel insurance policies accepted by Schengen consulates, generate an immediate and clearly formatted certificate, and ensure coverage dates exactly match the application. An additional advantage is the refund option in case of visa refusal, which reduces financial exposure.

Insufficient proof of financial means

Applicants must demonstrate they can support themselves during their stay.

โŒ Issue
Interpretation
๐Ÿ’ณ Low account balance
Risk of illegal stay
๐Ÿ“‰ Irregular transactions
Unstable financial situation
๐Ÿ“„ Unclear statements
Lack of transparency
Insufficient proof of financial means

Each country sets its own minimum thresholds, but credibility and clarity are always assessed.

Doubts about intention to leave the Schengen area

This is one of the most subjective refusal grounds.

โŒ Risk factor
Why it raises concerns
๐Ÿ  Weak ties to home country
Risk of overstay
๐Ÿ“„ Unclear employment status
Lack of return incentive
๐Ÿ”„ Previous overstays
Negative travel history
Doubts about intention to leave the Schengen area

Supporting documents such as employment letters, proof of studies, or family ties are critical in addressing this risk.

Can you reapply if your Schengen visa is refused?

Yes. A Schengen visa refusal does not permanently prevent you from applying again. In most cases, applicants are allowed to submit a new application immediately, provided that the reasons for refusal are clearly identified and properly addressed.

However, reapplying without correcting the issues that led to the refusal significantly reduces the chances of approval.

Understanding the refusal decision

When a Schengen visa is refused, the applicant receives a refusal notice indicating:

  • the legal grounds for refusal (ticked boxes),
  • a brief explanation of the reasons,
  • information about the right to appeal.

This document is essential. It explains what must be corrected before submitting a new application.

Reapplying vs appealing: what is the difference?

Applicants generally have two options after a refusal.

๐Ÿ” Option
What it means
When to choose it
๐Ÿ“ Reapply
Submit a new application with corrected documents
Most common and fastest option
โš–๏ธ Appeal
Formally contest the decision
Used when refusal is clearly unjustified
Reapplying vs appealing
Expert advice

Appeals can take several weeks or months and are rarely successful unless there is a clear administrative error. Reapplying with a stronger file is usually more effective.

What must be corrected before reapplying?

Before submitting a new application, it is crucial to fix the exact issues mentioned in the refusal notice.

โŒ Refusal reason
What to improve
๐ŸŒ Wrong consulate
Apply through the correct country
๐Ÿ“„ Incomplete documents
Add missing or clearer documents
๐Ÿ“ท Photo non-compliance
Submit a fully compliant visa photo
๐Ÿฉบ Insurance issues
Provide insurance meeting all Schengen criteria
๐Ÿ’ฐ Financial doubts
Strengthen proof of financial means
๐Ÿ”„ Return doubts
Provide stronger ties to home country
How to improve refusal

Submitting the same documents without changes often leads to repeat refusal.

Does a previous refusal affect future applications?

A previous refusal does not automatically prevent approval in the future. However:

  • consulates see your full application history,
  • repeated refusals without improvement damage credibility,
  • corrected and well-documented applications are often approved.
Expert insight

Consulates focus on whether the risk factors identified previously have been resolved, not on the refusal itself.

Practical advice to improve approval chances after refusal

To strengthen a new application:

  • clearly address each refusal reason in your documents,
  • ensure full consistency between the application form and supporting evidence,
  • submit compliant photos and clear insurance certificates,
  • avoid rushing a new application without preparation.

Many applicants choose to reassess critical documents such as travel insurance, ensuring coverage, dates, and territorial scope fully align with Schengen requirements. Using comparison tools like HelloSafe helps identify consulate-accepted policies, generate an instant certificate, and reduce the risk of technical refusal in a new application.

Key takeaway for reapplication

A Schengen visa refusal is not the end of the process. Reapplying with a corrected, well-prepared application is often the most effective way to obtain approval.

How much does a Schengen visa cost?

The cost of a Schengen visa is composed of several elements, not just the official visa fee. While the visa fee itself is standardised across Schengen countries, additional service and administrative costs may apply depending on where and how you submit your application.

Understanding the full cost helps avoid surprises on the day of your VFS or TLS appointment.

Official Schengen visa fees

Schengen visa fees are set at EU level and apply to all Schengen countries.

๐Ÿ‘ค Applicant category
Visa fee
๐Ÿง‘ Adult (12 years and older)
โ‚ฌ80
๐Ÿ‘ถ Child (6โ€“11 years)
โ‚ฌ40
๐Ÿง’ Child under 6
Free
Schengen visa fees

These fees are non-refundable, even if the visa is refused.

VFS Global and TLScontact service fees

In addition to the visa fee, most applicants must pay a service fee to the visa application centre handling their file.

๐Ÿข Service provider
Typical service fee
๐Ÿท๏ธ VFS Global
Around โ‚ฌ20โ€“โ‚ฌ30
๐Ÿท๏ธ TLScontact
Similar range, varies by country
VFS Global and TLScontact service fees

These fees cover administrative services such as appointment management, document intake, and biometric collection.

Additional costs to consider

Beyond visa and service fees, applicants may incur additional expenses depending on their situation.

๐Ÿ“Œ Cost type
Examples
๐Ÿ“ท Visa photo
Studio or biometric photo service
๐Ÿฉบ Travel insurance
Mandatory Schengen coverage
๐Ÿ“„ Document copies
Printing, scanning, translations
๐Ÿšš Optional services
Courier, SMS updates, premium lounges
Schengen visa additional costs

These costs vary by country and service provider.

Important notes about payment

  • Visa fees are usually paid in local currency, based on exchange rates set by the consulate
  • Payment methods (cash, card) vary by country and centre
  • Visa fees are not refunded if your application is refused
Expert advice

Make sure you know which fees are paid online and which are paid at the appointment, as rules differ by country.

Managing costs and avoiding unnecessary expenses

While the visa fee itself cannot be reduced, some costs can be optimised. For example, choosing a travel insurance policy that is clearly accepted by Schengen consulates, provides an instant certificate, and offers a refund in case of visa refusal helps limit financial risk. Comparison platforms such as HelloSafe allow applicants to compare compliant insurance options transparently and select coverage aligned with consular requirements.

Choose insurance with a refund if your visa is refused

FAQ

You can generally apply for a Schengen visa up to 6 months before your planned travel date (and up to 9 months for certain nationalities such as seafarers). However, most applicants are advised to apply at least 3 to 4 weeks before departure. Applying too late increases the risk of delays, especially during peak travel seasons.

A Schengen visa allows travel within the 29 Schengen countries, but it does not automatically grant access to all European countries. Countries such as the United Kingdom, Ireland, or Cyprus are not part of the Schengen Area and require separate visas depending on your nationality.

It depends on your nationality and the airport. Some travellers require an Airport Transit Visa (ATV) even if they do not leave the international transit area. This requirement is nationality-specific and should always be checked with the consulate of the transit country.

In most cases, applicants must apply from their country of residence, where they can provide proof of legal stay (residence permit, long-term visa). Applying from a country where you are only temporarily present is usually not allowed, except in justified and documented cases.

Yes. Travel insurance is mandatory for all Schengen visa applications. It must cover at least โ‚ฌ30,000 in medical expenses, be valid for all Schengen countries, and cover the entire duration of stay. Applications without compliant insurance are systematically refused.

No. Flight and accommodation bookings do not guarantee visa approval. They are used to demonstrate your travel plan, but consulates primarily assess credibility, financial capacity, travel purpose, and intention to leave the Schengen Area. Refundable or provisional bookings are commonly accepted.

Yes. Providing all documents does not automatically guarantee approval. Consulates also assess consistency, credibility, and risk factors, such as insufficient ties to your home country or doubts about your intention to return.

If your visa is refused, you receive a refusal notice explaining the reasons. You may either reapply with corrected documents or submit an appeal, depending on the situation. In most cases, reapplying with a stronger and more consistent file is the fastest and most effective option.

A previous refusal does not automatically prevent future approval. However, consulates will review your application history. If the issues that caused the refusal are not resolved, the risk of repeat refusal increases. Correcting the identified problems significantly improves approval chances.

To reduce refusal risk:

  • apply through the correct consulate,
  • ensure full consistency between documents,
  • submit compliant visa photos and insurance,
  • clearly demonstrate travel purpose and return intention,
  • and prepare a complete, well-organised file.

Many applicants also choose to secure consulate-accepted travel insurance with clear coverage and immediate certificates, which helps avoid technical refusals at VFS or during consular review.

No. ETIAS is not a visa. It is an upcoming travel authorisation system for visa-exempt travellers. If your nationality requires a Schengen visa, ETIAS does not apply to you.

Antoine Fruchard โ€” Founder & Travel Insurance Expert
A. FruchardFounder & Travel Insurance Expert
With over 11 years of experience in travel insurance brokerage, Antoine has worked with every major player in the industry: insurers, tour operators, brokers, and distributors. He has analyzed hundreds of policies, compared guarantees, exclusions, deductibles, and pricing, and thoroughly studied customer feedback regarding claims and reimbursements. Holding an MBA in Economics and Finance, he also cofounded two insurtech companies specializing in travel insurance before launching HelloSafe, with a clear mission: bringing transparency and expert insight to a market that is often opaque. Today, he leverages his unique expertise to guide travelers, offering reliable comparisons, practical advice, and precise recommendations to help them find the best travel insurance tailored to their real needs.

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