What is travel insurance, and how does it work when traveling?

Travel insurance is designed to protect travellers from unexpected expenses, emergencies, or losses that may occur before or during a trip. It provides financial coverage and assistance services to ensure unforeseen events do not cause major disruptions or costs.

How it works when traveling

1.    Purchase before your trip – Select a travel insurance policy tailored to your destination, trip duration, and needs (e.g., medical coverage, trip cancellation, baggage protection).

2.    Coverage begins – Certain benefits, such as trip cancellation, start as soon as the policy is issued, while others, like medical coverage, apply only during your travel dates.

3.    If something happens – In the event of a covered situation (e.g., sudden illness, lost luggage, travel delay), you can contact the insurer’s 24/7 assistance line or file a claim.

4.    Claim process – The insurance provider will review your claim, and if it meets the policy terms, they will reimburse your expenses or pay service providers directly (e.g., a hospital abroad).

Common coverage areas

• Medical emergencies abroad – Hospital bills, doctor visits, ambulance services, and medical evacuation.
• Trip cancellation or interruption – Refunds for prepaid travel expenses if you cannot travel for a covered reason.
• Lost, stolen, or delayed baggage – Compensation for personal belongings or emergency purchases.
• Travel delays – Reimbursement for additional accommodation, meals, and transportation costs.
• Emergency assistance services – 24/7 support for locating hospitals, arranging transportation, or contacting family.

In simple terms, travel insurance acts as a safety net, ensuring unexpected problems during your trip do not become major financial or logistical challenges. Choosing the right travel insurance ensures you can travel stress-free, with financial protection against unexpected events. Whether you are traveling domestically or internationally, having the right coverage is essential. For those seeking a reliable option, Schengen Visa Itinerary offers comprehensive protection, a seamless claims process, and affordable premiums, making it a smart choice for all travellers.

Our team has developed tailored travel insurance packages to meet the needs of various types of travellers. Each package includes not only travel insurance for your trip and visa applications but also other essential supporting documents, such as confirmed hotel bookings and flight itineraries. This all-in-one approach makes the visa application process faster, easier, and more convenient.

If you have any questions or require further assistance from our experienced professionals, please do not hesitate to contact us. We will be happy to assist you and provide full support to ensure your trip is smooth, enjoyable, and stress-free.