Introduction
Applying for a Schengen visa requires a lot of preparation. One of the important things you need to consider is getting travel insurance. In this article, we will discuss everything you need to know about travel insurance for Schengen visa – from its importance to its coverage.
What is Travel Insurance for Schengen Visa?
Travel insurance for Schengen visa is a type of insurance that provides coverage to individuals traveling to countries within the Schengen area. The Schengen area comprises 26 countries in Europe that have agreed to eliminate internal borders for free movement of people.
Why Do You Need Travel Insurance for Schengen Visa?
Travel insurance is a mandatory requirement for obtaining a Schengen visa. It is designed to provide financial protection and assistance to travelers who may encounter unforeseen events while abroad. The insurance policy must meet certain requirements set by the Schengen member states, such as:
- Medical expenses coverage of at least €30,000
- Emergency medical evacuation and repatriation coverage
- Coverage of the entire duration of the stay in the Schengen area
- Validity in all Schengen member states
What Does Travel Insurance for Schengen Visa Cover?
Travel insurance for Schengen visa covers a wide range of events that may occur during your trip. Here are some of the essential coverage:
Medical Expenses
The insurance policy must cover medical expenses of at least €30,000. It should include emergency medical care, hospitalization, and repatriation of remains in the event of death.
Emergency Medical Evacuation and Repatriation
In case of a medical emergency, the insurance company will arrange for your transportation to the nearest medical facility or back to your home country for further treatment.
Personal Accident
The insurance policy must cover accidental death and permanent disability due to an accident.
Trip Cancellation and Interruption
The insurance policy should cover trip cancellation or interruption due to unforeseen events, such as illness, injury, or death of a family member.
Luggage and Personal Belongings
The insurance policy should cover loss or theft of your luggage or personal belongings during your trip.
How to Purchase Travel Insurance for Schengen Visa?
You can purchase travel insurance for Schengen visa from various insurance providers, both online and offline. It is essential to ensure that the insurance policy meets the requirements set by the Schengen member states. You can check with the embassy or consulate of the country you’re planning to visit for a list of approved insurance providers.
Conclusion
Travel insurance for Schengen visa is a crucial requirement for individuals planning to travel to countries within the Schengen area. It provides financial protection and assistance in case of unforeseen events while abroad. Make sure to purchase insurance from an approved provider and that the policy meets the requirements set by the Schengen member states.
