What Does Travel Insurance Policy Usually Cover for Europe and What Is Presumably Excluded or Optional In a Common Schengen Travel Insurance Policy?

 

A good travel insurance policy for Europe should cover the following costs:

•        Medical emergency (accident or sickness) while in the Schengen Area

•        Emergency evacuation

•        Repatriation of remains

•        Return of a minor

•        Trip cancellation

•        Trip interruption

•        Accidental death, injury or disablement benefit

•        Overseas funeral expenses

•        Lost, stolen or damaged baggage, personal effects or travel documents

•        Delayed baggage (and emergency replacement of essential items)

•        Flight connection missed due to airline schedule crash

•        Travel delays due to weather

•        Hijacking

•        Usually, the insurers cover pregnancy-related expenses, if the travel occurs during the first trimester. After that, insurance coverage varies from insurer to insurer.

Travel Insurance policies for travelling to Europe that fulfil Schengen Visa requirements can be purchased online directly on the website of Schengen Visa Itinerary. They are offering Flight Reservation for visa, Hotel Booking at your destinations and Travel Insurance for any Schengen visa country.

What Is Presumably Excluded or Optional In a Common Schengen Insurance Policy?

Every travel insurance company is different; however, there are ones that offer to cover additional costs if necessary. If not, additional insurance must be purchased to cover explicit costs like:

•        Pre-existing conditions (e.g. Asthma, diabetes)

•        Sports with an element of risk (e.g. skiing, scuba diving)

•        Travel to high-risk countries (e.g. Due to war, natural disasters or acts of terrorism)

•        Acute onset of pre-existing conditions – It means a sudden and unexpected occurrence of pre-existing medical conditions without any prior warning from a health care professional. If you have pre-existing conditions, make sure to get this coverage to protect you against any emergency situation that arises due to pre-existing conditions despite taking care.