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Schengen visa Insurance – A safety tool for travelers

June 27, 2019

Do the unexpected bad incidents scare you? Do the sudden accidents frighten you? Are you afraid to fall sick on your tour? Travelers, it’s time to overcome all your worries. The Schengen Visa Insurance has been introduced by the European Parliament!

 

Schengen Visa Insurance

 

Visa Travel Insurance – A policy to financially secure the travelers to meet any unanticipated expenses on Europe tour. When it comes to Europe, France is the first holiday destination that comes to mind. Its popular and hidden gems make it the first choice of many tourists. However, the risk of breaking a limb, sudden accident or a health complication, stops many people to embark their journey. Hence, along with France Schengen visa, do not forget to get your travel insurance prior to the trip.

 

The visa insurance will help you to easily access medical care in case you got trapped in any misfortune on your trip. Remember, the insurance policy does not cover any pre-existing health condition.

Schengen Visa Insurance Requirements

 

To get the best travel insurance for Europe, you have to meet the following criteria:

 

Schengen Insurance

  1. A minimum coverage of at least 30,000 EUR (50,000 USD)
  2. All member states of the Schengen area should be covered.
  3. Visa travel insurance should cover the repatriation expenses for medical reasons. It includes urgent health attention, emergency hospital treatment and death.

Even though, Schengen visa insurance is of utmost importance, yet not all travelers are bound to have it. For few nationalities, it is not mandatory to have insurance policy along with their France visa. There is a group of nations, who are required to have the insurance coverage throughout their journey to Europe. Irrespective of their purpose to travel, visa insurance is mandatory.

Tips about Europe Visa Insurance

 

If you already have any travel insurance policy, check if it covers any international health emergency cost. If the answer is yes then, carefully check the restrictions to the travel insurance.

In case if you do not have any previous travel insurance, make sure to purchase the best Schengen visa Insurance from a licensed company.

 What does Insurance for Europe usually covers?

A good visa insurance policy should cover the following unanticipated expenses:

  1. Medical Emergency while in Schengen zone. It includes accidents and unexpected sickness.
  2. Emergency Evacuation
  3. Repatriation of remains
  4. Return of a minor
  5. Trip Cancellation
  6. Trip Interruption
  7. Benefits for accidental death or disablement
  8. Hijacking

The list is long! Before purchasing your insurance policy, make sure to check, if the policy covers all the costs or not.

 

Schengen Travel Insurance Cost

The cost for insurance policy varies from company to company. In addition, the duration/ number of days of your travel are a major factor in determining the insurance policy cost. It is advisable to compare the cost of visa insurance policy of different companies before buying one. This comparison will help you to get the cheapest travel insurance for Schengen visa.

 

Common Restrictions of Schengen Visa Insurance

As stated earlier, the visa travel insurance does not provide coverage to any pre-existing conditions. It means, if you are already undergoing a medical treatment prior to your departure, you are not prone to any coverage by your insurer. The unexpected health emergencies that occur during your Europe trip will be covered under the insurance policy.

 

Apart from this, there are a few more situations, which are the restrictions to the visa travel insurance. Let’s have a look on them:
  1. Sports: The participation in high-risk sports is excluded from the travel insurance policies.
  2. War: The travel insurance policies exclude the coverage of endangered war zones. If the injury is caused by war, you cannot avail your insurance policy.
  3. Suicide: The suicidal cases are excluded from any insurance policies. Be it in international domain or domestic, the insurer is not liable to pay in case of suicide.
  4. Duration: Many travel insurance policies specify the time duration for coverage. The time limit is usually 60 days.

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