Does Travel Insurance protect my possessions too and what else does Schengen Visa Travel Insurance cover?

 

Yes, usually. The right policy can cover lost, stolen or damaged baggage and personal possessions. Be warned though, you probably will not be covered if you leave your belongings unattended, so do not go wandering off to the bar or pool, leaving your tempting beach bag behind – not even for a minute. You should also report any theft to the police as soon as possible, as some insurance providers require you to have done so within 24 hours for your claim to be valid.

Schengen visa Travel insurance policies can vary widely in the amount covered. It is important to check both the total limit your insurance provider will pay out if your baggage is lost, stolen or damaged and if they have a single item limit – the most they will pay out for any one high-value item. Depending on what you are packing, when you get a quote you may need to choose a higher limit to take your policy to the level of cover you need. This might depend on whether you are a minimal packer or if you bring your designer wardrobe in exclusive high-end luggage. If you are taking gadgets such as tablets, phones and laptops, you may want to consider travel gadget insurance.

What else does travel insurance cover?

As well as the cost of medical emergencies and lost or damaged personal possessions, your policy might also cover:

•        Cancellation of a pre-booked holiday because of unforeseen circumstances, such as a family bereavement or jury service.

•        Missed flights, cancellations and delays 24/7 assistance.

•        Personal liability cover if you cause an accident while you are away.

•        Coronavirus cover can help protect you financially. When you get a travel insurance quote with us, it is easy to compare levels of COVID-19 cover. Just use the ‘more details’ option on the quote results page.

Cancellations and delays will only be covered for valid reasons specified in your policy. If an airline offers compensation, most travel insurance providers won’t then pay out as well. And those that do will only usually cover the difference on top of the airline’s compensation – another reason to check the small print carefully.

We recommend Schengen Visa Itinerary where you can get support for most of your visa requirements such as Travel Insurance, flight itineraries and hotel reservations along with free consultation over email. Its services are cheap and genuine, and many people claim it has helped them a lot.