Schengen Travel Visa Insurance
When travelling abroad one has to keep in mind that numerous unexpected costs might pop up, therefore, we have the concept of travel insurance policy.
Schengen Visa Insurance is a must
Extract from “Regulation (EC) No 810/2009 of the European Parliament and of the Council of 13 July 2009”, which entered into force on April 5 of 2010:
“… Applicants for a uniform visa for one or two entries shall prove that they are in possession of adequate and valid travel medical insurance to cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death, during their stay(s) on the territory of the Member States.
The insurance shall be valid throughout the territory of the Schengen Area Member States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30,000” (…)
What is travel health insurance?
The concept of travel health insurance relates to covering up medical expenses in case an injury or unexpected sickness arises during one’s trip. In case you are wondering if one needs health insurance when travelling to a foreign country depends deeply on the desired destination as well as the ability to personally cover any health care needs during the stay out in the certain foreign country.
However, travel insurance is a must for most people, especially the elderly, people who have predetermined medical conditions and are bound to constant therapy or most importantly if the traveler’s destination happens to be an underdeveloped region.
Apart from medical expenses, travel insurance is destined to cover different losses suffered during the trip, including one’s own country as well as internationally. Unexpected happenings like lost luggage, cancellation of your flight at the last moment, travel agency or accommodation bankruptcy will most definitely ruin your trip. Therefore, travel insurance policy is designed to provide also cancellation insurance by means of full or partial refund.
Whether you are travelling once or several times during a short period of time, the travel insurance policy will match and cover the exact number of the days spent in the international territory, in this case, the Schengen territory, the price ranging accordingly.
Who must purchase Schengen Travel Insurance?
Anyone travelling temporarily to a Schengen area from a country that is subject to visa requirements, be it an individual visitors or group visitors, tourists, or business travelers.
The Schengen VISA Insurance policy can be purchased either online or conventionally depending on the chosen company.
Who provides Schengen Travel Insurance?
First and foremost, the health insurance policy that one already possesses through the employment contract might cover international medical emergency expenses. However, there are usually limitations to this offer, therefore one shall be well aware of what to expect and what not to expect when having a medical issue in a Schengen territory.
Usually, travelers purchase an individual Schengen travel insurance policy for the days planned to spend in a Schengen territory at the rightful insurance/travel agency. Make sure the company you choose is licensed and accepted in the Schengen country you are planning to travel to. We recommend Mawista VISUM – It is very cheap and it is accepted by Embassies and also you can cancel it for free of charge, subject to presentation of proof that a visa has been refused!
Helpful Tips about Europe Visa Insurance
As aforementioned, before purchasing another travel insurance policy for your upcoming travel make sure that the one you already have doesn’t cover or alleviate any international medical emergency costs.
In case your policy does cover some international medical costs carefully check the restrictions and limitations to the travel insurance policy. Surprises at this particular matter are never welcome.
If you are travelling by car in the Schengen region and can’t afford to pay crazy amounts of money in case of an unpredictable car accident – or simply you are not willing to give all that money away, you shall consider purchasing a combined travel insurance including health matters as well as valuable possessions.
Depending on the travel destination the risk of illness varies with the changes in the climate or the natural habitat (unfamiliar microbe residents). It highly recommendable for people with preexisting conditions like allergies, for example, to carry their medical file from their personal physician describing the condition and the drugs prescribed to maintain it. In case one has a chronic disease, again, it’s smart to be carrying the prescribed drugs in the amount needed for the days spent in the international domain.
What does Schengen Visa Travel Insurance usually cover?
- Medical emergency (accident or sickness) while in the Schengen Area
- Emergency evacuation
- Repatriation of remains
- Return of a minor
- Trip cancellation
- Trip interruption
- Accidental death, injury or disablement benefit
- Overseas funeral expenses
- Lost, stolen or damaged baggage, personal effects or travel documents
- Delayed baggage (and emergency replacement of essential items)
- Flight connection missed due to airline schedule crash
- Travel delays due to weather
- Usually, the insurers cover pregnancy-related expenses, if the travel occurs during the first trimester. After that, insurance coverage varies from insurer to insurer.
What is presumably excluded or optional in a common Schengen travel insurance policy?
Every travel insurance company is different; however, there are ones that offer to cover additional costs if necessary. If not, additional insurance must be purchased to cover explicit costs like:
- Preexisting conditions (e.g. Asthma, diabetes)
- Sports with an element of risk (e.g. Skiing, scuba diving)
- Travel to high-risk countries (e.g. Due to war, natural disasters or acts of terrorism)
- Acute onset of pre-existing conditions – It means a sudden and unexpected occurrence of pre-existing medical conditions without any prior warning from a medical professional. If you have pre-existing conditions, make sure to get this coverage to protect you against any emergency situation that arises due to pre-existing conditions in spite of taking care.
Travel Medical Insurance policies for travelling to Europe that fulfil Schengen Visa requirements can be purchased online here.
What are the common restrictions and limitations?
- As previously mentioned there are insurance companies that don’t provide coverage for a preexisting condition in an international domain. In case you have a condition prior to your departure, you’ve consulted a doctor and are already on treatment and you’ve decided to travel out of the country, in a Schengen region, in this case, you are not prone to any medical cost alleviations via your insurer. However, if one is proclaimed fit to travel having the condition under control, most commonly the travel insurance is ought to cover an unexpected emergency related to the condition when travelling in an international domain, an acute onset of the preexisting condition.
- Sports – Participation in high-risk activities such as extreme sports e.g., scuba diving, skydiving, etc., can be excluded.
- War – Policies may exclude coverage for injuries caused by war when travelling to an endangered war zone.
- Duration – Many policies specify a time limit for coverage (e.g., 60 days) and the costs differ accordingly.
- Suicide in an international or domestic domain is excluded from any insurance policy as well as the self-inflicted injuries.
- In a case of any substance abuse, drugs or alcohol, domestic or international the medical expenses won’t be covered by your insurance policy.