Yes, if you need to apply for a Schengen visa, travel insurance is a mandatory requirement. If you do not have a valid insurance policy, the Embassy will automatically reject your visa application.
On the other hand, if you do not need a visa to travel to the Schengen Area, then you are not required to get travel insurance, although it is still highly recommended!
Although many people do not initially think of getting visitors insurance when going on a trip, it is extremely worthwhile in the long run. It is easy to think “why should I get Schengen visa travel insurance, what could possibly go wrong” until something does go wrong, and you find yourself with a hefty bill in case travel medical insurance was not purchased. If you need a Schengen visa for your trip, you may find that you have to get Schengen visa travel insurance in order for your application to be accepted.
Generally, travel insurance covers you for medical expenses for injury or sickness while you are visiting a foreign country. It is important that when you travel outside of your own country you have travel insurance to prevent you from having to pay expensive medical bills. Travel insurance doesn’t just over health related issues, most policies also cover against lost baggage and cancellation of flights, so it really is a good idea to consider this type of insurance before you travel – you just don’t know what might happen, so it’s best to cover against all potential disasters!
Why do you need travel insurance for visa application?
There are many documents that are needed for a visa application, in most cases travel medical insurance is one of them. The embassies need to see proof that you will be covered whilst you are away as fees and medical bills can easily run into the thousands and tens of thousands of pounds very easily. If you are not covered and do not pay your outstanding medical fees then the authorities will have to spend a lot of time, money and resources to track you down as well as the hospital being at a loss.
Things you should know about visitors insurance for visa
When applying for travel insurance for visa you will need to disclose any health conditions e.g. cancer, diabetes, asthma, etc. this will then ensure you receive the correct insurance policy that will fully cover you. You may find that, if you do have a health condition, your insurance cover will be more expensive. This is because you have a higher chance of needing medical assistance during your trip. If you purchase travel medical insurance and do not disclose any medical conditions that you are aware of, your insurance will become invalid if you result in needing medical treatment. You will end up having to pay the bill and you will not be covered by your travel insurance. Most policies will cover pregnancy in the first trimester as long as your doctor has deemed you safe for flying.
Additionally, if you are looking for an affordable Travel Insurance provider then give it a try Schengen Visa Itinerary. They are offering Flight Reservation for visa, Hotel Booking at your destinations and Travel Insurance for any Schengen visa country.
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