Yes, you need a Schengen Travel Insurance Policy, as it is mandatory if you want to travel in any of the 26 countries constituting the Schengen continent.
When visiting Europe, travelers should be able to handle and financially cover medical services in case of an accident, injury or any other sudden event.
To take care of unexpected expenses that arise while travelling, having travel insurance has been proven to help travelers with financial support and comfort to continue their travel journey without worries.
Why do I need travel insurance to visit Europe?
A requirement for obtaining a Schengen Visa is to have insurance covering you in all states in the Schengen Area up to medical costs of €30,000. The easiest way to do this is to obtain Schengen travel and medical insurance from an accredited provider, such as Schengen Visa Itinerary, which is the leading brand for this type of insurance.
To make an affordable travel insurance you could use the services of Schengen Visa Itinerary. They also offer Flight Reservation and Hotel Reservation to complete your visa requirements.
If you are planning to travel to more than one Schengen country or want to be flexible with your itinerary, it is also a great way to ensure you are covered in the majority of countries in Europe.
What Does Europe Travel Insurance Policy Usually Cover?
A good travel insurance policy for Europe should cover the following costs:
• 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
• Hijacking
• Usually, the insurers cover pregnancy-related expenses, if the travel occurs during the first trimester. After that, insurance coverage varies from insurer to insurer.
Helpful Tips about Europe Visa Insurance
As aforementioned, before purchasing another travel insurance policy for your upcoming travel to Europe, ensure that the one you already have does not cover or alleviate any international health emergency costs.
If your policy covers some international medical costs, carefully check the restrictions and limitations of 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 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 is highly recommended for people with pre-existing 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, it is wise to carry the prescribed drugs in the amount needed for the days spent travelling in Europe.
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