Who needs travel insurance, and why do I need travel health insurance when traveling?

Generally, anyone who is traveling to a country 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 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 rejection of the application.

Why do I need travel health insurance when traveling?

Travel health insurance is important because it protects you from unexpected medical costs and emergencies while abroad.

Here are the main reasons why you need it when traveling:

1. High Medical Costs Abroad – Healthcare in some countries can be very expensive, and even a minor accident or illness can result in large bills if you are uninsured. 

2. Emergency Medical Evacuation – If you become seriously ill or injured, you may need to be transported to another hospital or even repatriated to your home country. These costs can be extremely high without insurance. 

3. Visa Requirements – Many countries, including those in the Schengen Area, require proof of valid travel health insurance before granting a visa. 

4. Peace of Mind – Knowing you are covered allows you to enjoy your trip without worrying about potential “what if” situations. 

5. Coverage for Unexpected Events – Travel health insurance may also cover situations such as trip interruptions due to illness, hospital stays, or extended travel delays caused by medical emergencies. 

6. Limited Domestic Coverage Abroad – Your regular health insurance may not cover you outside your home country, or the coverage may be very limited. 

Additionally, if you are looking for an affordable travel insurance provider, our team at Schengen Visa Itinerary has crafted several tailored packages to make the process seamless. These packages are designed to meet the needs of various types of travellers and include not only travel insurance for the visa but also other essential documents, such as hotel bookings and flight itineraries for visa applications.

If you still have questions or need professional assistance with travel insurance for your visa application, please feel free to contact the team at Schengen Visa Itinerary.