Is Travel Insurance Necessary for Traveling to Europe, and What Are the Benefits of Having It?

Yes, travel insurance may be necessary depending on your situation. 

• If you are applying for a Schengen visa, travel insurance is mandatory. The policy must provide at least €30,000 in coverage for medical emergencies, hospitalization, and repatriation, and it must remain valid across all Schengen countries for the full duration of your stay. 

• If you are from a visa-exempt country (such as the US, UK, Canada, Australia, or Japan), travel insurance is not legally required. However, it is strongly recommended because healthcare costs in Europe can be high. 

What Are the Benefits of Having Travel Insurance for Traveling to Europe? 

Besides being a mandatory prerequisite for visa applicants, European travel insurance offers several benefits: 

• Coverage for Medical Emergencies: Travel insurance provides protection for hospitalization, doctor’s visits, and even emergency medical evacuation. 

• Trip Cancellation or Interruption Coverage: This benefit can reimburse non-refundable expenses if you must cancel or shorten your trip due to unforeseen circumstances such as illness, injury, or the death of an immediate family member. 

• Lost or Stolen Luggage Coverage: Travel insurance can help compensate for losses if your belongings are lost, stolen, or damaged after check-in. 

• Coverage for Other Unexpected Events: Policies may also cover flight delays, missed connections, and natural disasters. 

• Ultimate Peace of Mind: While exploring Europe’s cultural richness and diversity, having coverage for medical and non-medical emergencies allows you to relax and enjoy your trip with confidence. 

However, it is important to note that the specific benefits of travel insurance depend on the policy you choose. Selecting the right travel insurance ensures a stress-free journey by offering financial protection against unexpected risks. Whether traveling domestically or internationally, having adequate coverage is essential. 

For travellers seeking a reliable option, Schengen Visa Itinerary provides comprehensive protection, a seamless claims process, and affordable premiums—making it a smart choice. Additionally, the service includes flight and hotel reservations to help meet visa requirements.

Start your journey with Schengen Visa Itinerary and secure affordable travel insurance for your visa application—in just a few minutes.