Good travel insurance for a Schengen visa should fulfil all legal obligations and provide good support in case of emergencies without a complicated claims process. Always research and compare policies, check reviews, and ensure that the insurer is familiar with the process in the embassies before you submit your visa application.
Travelling to the Schengen region for purposes like work, visiting relatives, holidaying or studying requires more preparations than just an itinerary. Among the documents needed for your visa application, travel insurance is critical. The one that adheres to the Schengen area rules. But among the sea of insurers, one might wonder which travel insurance is right for a Schengen visa? The answer to this varies based on several aspects such as coverage, trustworthiness, cost and embassy approval. In this article, we cover how to choose a Schengen travel insurance policy that gives you the best value.
Why is travel insurance mandatory for a Schengen visa area?
The Schengen Visa Code states that travellers who apply for the visa must provide evidence of travel insurance which satisfies the conditions mentioned below-
- A minimum of 30,000 euros should be covered
- Medical treatment in case of emergency should be covered
- The policy should be valid across every Schengen country
- The policy should be valid for the entire trip
Features of a good Schengen travel insurance
To ensure you can travel to every Schengen country. The policy must clearly specify the limit of cover and the events that are covered, such as hospital admission, operations and outpatient services.
Evacuation of the patient and repatriation
During a medical emergency, a well-equipped facility may not always be available. Your travel insurance must cover transport to the hospital or the return of remains to the home country.
Validity of insurance in the whole Schengen area
Even if you are planning to visit only a few countries, the policy should cover the entire Schengen area. Policies mentioning only a few European countries may lead to visa rejection.
Coverage duration includes dates of travel.
Check the policy period and ensure that it is in line with the travel dates. However, be sure to include a few additional days in case of a change in travel plans.
Proper documentation for the embassy
Furthermore, the insurer should provide a visa letter ot certificate guaranteeing that the policy fulfils the Schengen visa needs. This makes the
The verification process is easier when attending the visa interview.
How to compare the right Schengen travel insurance
Many insurers offer policies online, allowing you to compare available products and find the best one.
Annual vs 90-day Schengen insurance packages
You can choose from two Schengen travel insurance plans, depending on the number of trips you take annually.
Single-trip insurance- This is best for one-time trips since the insurance period is usually 90 days. Suitable for tourists or people who do not travel frequently.
Annual policies- These cover numerous trips within the Schengen area. These often give you one year coverage consisting of several entries per year, with some limit on the number of days in each visit.
Some insurers also offer package deals for business or student travellers, as well as families, with additional options included.
What not to do while buying a Schengen travel visa insurance
- Do not opt for low-cost policies that provide less than 30,000 euros
- Do not opt for policies that cover only some parts of the Schengen area
- Do not buy a Schengen travel insurance without repatriation and evacuation coverage
- Do not opt for insurance with unclear terms and conditions
- Do not opt for insurance with poor reviews or limited support
Food travel insurance for a Schengen visa should fulfil all legal obligations and provide good support in case of emergencies without a complicated claims process. Always research and compare policies, check reviews, and ensure that the insurer is familiar with the processes in the embassies before you submit a visa application. It is worth noting that this travel insurance is not solely for visa application approval. It provides you with the necessary coverage when abroad. With an appropriate Schengen travel insurance, you will avoid any hassle with your visa application.
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