Who Must Purchase Schengen Visa Travel Insurance and How Exactly Does Travel Insurance Work?

Generally, anyone who is traveling to any of the countries in the Schengen area needs to take out travel insurance. However, for citizens who enjoy visa-free status it is not mandatory to have travel insurance although it is still a good idea to have some. For citizens who need a visa to be able to enter the Schengen area, as mentioned above, it is a mandatory requirement of the visa application process. Proof of travel insurance must be provided to the embassy to avoid a rejected application.

How Exactly Does Travel Insurance Work?

Travel health insurance protects you from financial losses as a result of medical emergencies while you are visiting Europe. If you have a valid insurance policy during your trip, then when you seek medical attention, the insurance company will take over the costs. There are two ways it usually works:

1.       The hospital sends the bill directly to the insurance company. You do not need to pay anything upfront.

2.       You pay the bill yourself, and then make a claim with the insurance company to reimburse you. Make sure to save the bill you receive from the hospital.

If you are in an emergency situation, make sure to contact the assistance center as soon as you can so that they can help you or inform you on how to proceed.

To assist you through this process smoothly, our team at Schengen Visa Itinerary has created several packages to suit the needs of different kinds of travelers. These packages not only include travel insurance for visa, but other required documents too, such as Hotel Booking for Visa Application, flight itinerary for visa application.

We are here to help you with your travel insurance requirements easily, without any hassle. We have years of experience in helping customers with their visa applications and can tell you what travel insurance plans would be suitable for a Schengen visa.

Additional Coverage for Europe

Some health insurance companies might also cover these incidents or disturbances, which can happen during your trip to Europe:

•        Trip interruption. If you have to return home in the middle of the trip to Europe or cancel for reasons outside your control, travel insurance reimburses some of your non-refundable costs.

•        Flight delay. If your trip to Europe is delayed while you are travelling, then the company pays for accommodation and food during the waiting time.

•        Loss or theft of baggage. The company reimburses some of the lost costs if your baggage and belongings are stolen or damaged while travelling to Europe.

•        Personal liability. If you damage property or you cause bodily injury to someone else while in Europe, travel medical insurance covers the resulting costs.

•        Adventurous activities. You may be able to extend coverage for injuries related to certain “adventure” sports, such as skiing or scuba diving. Other sports which are deemed too risky are always excluded.

If you need support with an upcoming trip to the Schengen Area, please contact us today.