You bought insurance for your Schengen visa appointment, but it was denied. Learn how Baraglo refunds 100% in 5-10 business days, what documents you need, and why you can buy without risk.
## What happens to your insurance if your Schengen visa is denied?
One of the biggest concerns for **Dominicans, Peruvians, Ecuadorians, Bolivians**, and other citizens applying for a **Schengen visa** is this:
> *“If I buy the insurance to present at the embassy appointment and then my visa is denied, do I lose the money?”*
**The short answer: with Baraglo, NO. We refund 100%.**
This complete guide explains exactly how the refund policy works, what documents you need, how long the process takes, and why you can buy your insurance **from {{schengen_price}} USD/day** with complete peace of mind.
## Why do you need to buy insurance BEFORE your visa appointment?
The **Schengen Agreement** requires every visa applicant to present:
1. ✅ Travel medical insurance valid for the 29 Schengen countries
2. ✅ Minimum coverage of **€30,000** (~$33,000 USD)
3. ✅ Validity for **the entire requested travel period**
4. ✅ Coverage for medical expenses, hospitalization, and repatriation
Without presenting this document at the appointment at VFS Global, BLS, or directly at the consulate (Spain, France, Italy, Germany, etc.), **your application will be automatically rejected** for incomplete documentation — they won't even evaluate your case.
This is why you must buy the insurance **before the appointment**. The fear of “losing money if the visa is not approved” is understandable, but unfounded with the correct refund policy.
## Baraglo Refund Policy (official summary)
| Aspect | Detail |
|---|---|
| Offers refund? | ✅ **Yes, 100% of the paid value** |
| Required document | Official rejection letter from the embassy or consulate |
| Processing time | **5 to 10 business days** |
| Refund method | Same original payment method (card, transfer) |
| Main condition | Policy must not have been used |
| Processing fee | **Free (no commissions)** |
| Applies to | Schengen, Standard, Premium Plans |
## Step-by-step process to request your refund
### Step 1: Receive the rejection letter from the embassy
The embassy will provide you with an official document called **“Visa refusal notification”** or **“Refus de visa”** stating the reasons for the rejection. You usually receive it on the same day you pick up your passport.
### Step 2: Contact Baraglo
You have two options:
- 📧 Send an email to **soporte@baraglo.com** with the subject: “Refund request for rejected visa”
- 💬 Write via **WhatsApp** from the website chat
Include in the message:
- Your Baraglo policy number
- Your full name
- Email registered at the time of purchase
- Date of the embassy appointment
### Step 3: Submit the required documentation
Attach the following documents:
1. **Clear photo or scan** of the embassy's rejection letter
2. **Copy of your passport** (data page)
3. **Proof of insurance payment** (received by email)
### Step 4: Receive confirmation
Within **24-48 business hours**, you will receive an email confirming that your request was approved and the refund was processed.
### Step 5: Receive your money back
- **Credit/debit card**: 5-10 business days (depending on the issuing bank)
- **Bank transfer**: 3-5 business days
- **PayPal**: 24-72 hours
## Why does this policy matter?
Many Dominicans and Latin Americans **postpone buying insurance** for fear of losing money, which leads to two serious problems:
1. **They don't have insurance at the appointment** → visa is automatically rejected for incomplete documentation
2. **They buy cheap, uninsured insurance at the last minute** → if rejected, they lose everything
With Baraglo's 100% refund policy, you can buy your insurance with the peace of mind that **if the visa doesn't come through, your investment returns to your pocket**.
## Comparison of refund policies by insurer
| Insurer | Refunds for rejected visa? | Percentage | Time |
|---|---|---|---|
| **Baraglo** | **✅ Yes** | **100%** | **5-10 days** |
| Assist Card | Partial | 70-80% | 15-30 days |
| World Nomads | Case-by-case | Variable | 30-60 days |
| Allianz Travel | Yes with conditions | 90% | 20-45 days |
| AXA Schengen | Yes | 100% (with fees) | 30-45 days |
| IATI | Yes partial | 80-90% | 15-30 days |
**Baraglo leads the market** with the fastest and most transparent policy.
## Cases where the refund does NOT apply
To avoid misunderstandings, please be aware that the refund **DOES NOT apply** in these cases:
- ❌ The policy has already been **used** (assistances were activated)
- ❌ The trip has already **started** (the dates have already begun)
- ❌ You do not have the **official letter** of rejection from the embassy
- ❌ You request the refund **more than 60 days** after the rejection
- ❌ The policy was issued with **false data**
## Frequently Asked Questions
### Can I use the same insurance if I apply for the visa again?
No. If your original policy is refunded, you will need to **purchase a new one** with new travel dates when you reapply.
### Does the refund apply if my visa is denied for a reason other than insurance?
**Yes.** The reason for the rejection does not matter (insufficient funds, ties, purpose of travel, etc.). As long as you have the official rejection letter, your refund will proceed.
### What happens if I withdraw my application before the embassy decides?
A **90%** refund applies (we deduct 10% for administrative costs), provided the trip has not started.
### Does it apply to all Baraglo plans?
Yes, it applies to **Schengen Plan ({{schengen_price}}/day), Standard ({{standard_price}}/day), and Premium**.
### I am Peruvian/Ecuadorian/Bolivian, does it also apply?
Yes. The policy applies to **any nationality** requesting a Schengen visa and required to present insurance as a prerequisite.
### What if my visa for a NON-Schengen country (United Kingdom, Ireland) is rejected?
It also applies, provided you purchased Baraglo insurance suitable for that destination.
### Do I need to notarize the rejection letter?
No. A **clear photo or scan** of the original document is sufficient.
## Peace of mind from day one
The process of obtaining a Schengen visa already generates enough stress: documents, appointments, funds, ties… It makes no sense to add the worry of “will I lose the insurance money?”.
With Baraglo, that concern disappears:
- ✅ Buy your insurance in advance for your appointment
- ✅ If approved: you travel with full coverage
- ✅ If rejected: you get 100% back in 5-10 days
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**Buy risk-free** — [Schengen insurance with refund guarantee from {{schengen_price}} USD/day →](/seguro-schengen?utm_source=blog&utm_medium=article&utm_campaign=blog-relinked-v2)
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