Why Should You Buy Travel Insurance for Europe and What Does the Schengen Visa Travel Insurance Cover?

 

While you review your itinerary and travel plans in Europe, do not forget to include one crucial factor that will make your adventure much more enjoyable travel insurance. While this may seem the least exciting part of the trip, travel insurance is an essential part of your visit to Europe, which makes sure you are ensured in any event you may require medical or emergency services.

If you need a visa to enter any country in the Schengen area, then you must have travel insurance that meets all the Schengen insurance requirements. You have to submit proof of having obtained it when you apply for a Schengen visa. If you do not have a travel insurance policy, your Schengen visa application is automatically rejected.

To buy a suitable policy, you must first understand what is typically covered, where you are usually covered in Europe, and the cost of a basic insurance plan. This way, you will be set for a safe and memorable European trip.

What Does Schengen Visa Travel Insurance Cover?

Schengen visa travel insurance plans typically cover the following:

•        Medical bills. The medical insurance company will cover your medical treatment bills if you get into an accident or suddenly fall ill while you are in Germany or another Schengen country. This includes hospitalization, doctor visits, prescription medication, surgery, etc.

•        Emergency medical evacuation and repatriation. Suppose you have a major medical emergency while you are in Germany or another Schengen country, and you need to be evacuated to your home country for treatment. In that case, the travel insurance company covers the cost of things such as an air ambulance. Repatriation covers the costs of returning the body home if the traveller passes away while in Europe.

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.

Additionally, if you are looking for an 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.