What is covered and what is not covered under Travel Insurance for Schengen Visa?

Generally, travel insurance covers you for medical expenses for injury or sickness while you are visiting a foreign country. It is important that when you travel outside of your own country you have travel insurance to prevent you from having to pay expensive medical bills. Travel insurance doesn’t just over health related issues, most policies also cover against lost baggage and cancellation of flights, so it really is a good idea to consider this type of insurance before you travel – you just don’t know what might happen, so it’s best to cover against all potential disasters!

Travel insurance policies vary depending on the insurer, but most cover the follow risks:

1.       Medical emergencies for accident or sickness

2.       Emergency evacuation

3.       Repatriation of remains

4.       Return of a minor

5.       Trip cancellation

6.       Trip interruption

7.       Accidental death, injury or disablement benefit

8.       Overseas funeral expenses

9.       Lost, stolen or damaged baggage, personal effects or travel documents

10.     Delayed baggage (and emergency replacement of essential items)

11.     Flight connection missed due to airline schedule crash

12.     Travel delays due to weather

13.     Hijacking

14.     Pregnancy related expenses (if travel occurs during the first trimester after which this type of cover varies by insurer)

What is not covered under Travel Insurance?

There are certain things that are not covered by travel insurance and you need to know what they are. When you are considering which policy to buy, you must take note of these exclusions. In addition, the terms and conditions regarding any exclusions may vary between insurance companies, so it is advisable to check thoroughly before purchasing the policy. If these are not covered, you may wish to consider taking additional cover to ensure you are fully protected.

1.       Pre-existing conditions such as asthmas or diabetes

2.       Any sports which are deemed as high-risk such as skiing or scuba diving

3.       Travel to high-risk countries where there could be war, natural disasters or terrorism

4.       Acute onset of pre-existing conditions. This means a sudden or unexpected outbreak or recurrence of a pre-existing condition, which occurs spontaneously, and without advance warning either by a physician’s recommendation or by symptoms, is of short duration, is rapidly progressive and requires immediate care

Additionally, if you are looking for affordable Travel Insurance provider then give it a try Schengen Visa Itinerary. They are offering Flight Reservation for visa, Hotel Booking at your destinations and Travel Insurance for any Schengen visa country.