What does the Schengen Visa Travel Insurance Cover?

 

The details of travel insurance for Schengen visa can differ between insurers, and you should always check the policy wording before you buy your policy to be certain of what you’re covered for. In general, most travel insurance covers:

•        Possessions: When items such as your luggage, important document, or cash up to a certain amount are lost or stolen

•        Medical treatment: Insurers generally include cover for emergency medical treatment, though if you haven’t declared any pre-existing medical conditions, treatment for that condition likely won’t be covered

•        Holiday disruptions: Reimbursement for disruptions to your travel or living arrangements, such as involuntary abandonment or missed departures, delayed flights, cancelled flights or accommodation, or a curtailed trip

•        Legal costs: For if you have to pay legal fees for an incident that wasn’t your fault. If you have to pay personal liability if an incident was your fault, your insurer may also pick up the cost

There are also some common things that most travel insurance policies won’t cover, so be sure to check the policy documents. In these cases, it’s often possible to buy extra cover for an additional price.

Typical things that may not be covered as standard by travel insurance include:

•        Adventurous activities: Winter sports or other potentially hazardous activities like climbing, shark cage diving and white-water rafting may not be automatically insured, but you may be able to take out extra cover

•        Expensive items: Gadgets, designer clothes or sports and music equipment are often excluded from standard travel Itinerary policies. If you’re taking your laptop, fancy sunglasses or a guitar with you, check if you’ll need additional cover as some insurers will have a maximum price limit for individual items that you can claim for

Labour-induced injuries: If you injure yourself working a temporary job while you’re backpacking, for example, you may not be covered

For more information, please visit: https://www.schengenvisaitinerary.com/