What are the common restrictions and limitations and what are the Helpful tips about the Schengen Visa Travel Insurance?

 

The common restrictions and limitations about the Travel Insurance:

•           As previously mentioned there are travel insurance companies that don’t provide coverage for a preexisting condition internationally. In case you have a condition prior to your departure to Europe, you’ve consulted a doctor and are already on treatment and you’ve decided to travel out of the country, in this case, you are not prone to any medical cost alleviation 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.

 

Helpful Tips about Europe Visa Travel Insurance

As aforementioned, before purchasing another travel insurance policy for your upcoming travel to Europe make sure that the one you already have doesn’t cover or alleviate any international health emergency costs.

In case your policy does cover some international medical costs carefully check the restrictions and limitations to the travel insurance policy.

If you are travelling by car in the Schengen region and cannot 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 should consider purchasing 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’s highly recommended 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 travelling in Europe.