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!
Travel health insurance covers medical expenses related to an accident, illness or injury that occurred during the trip to the Schengen area. Health insurance is required when travelling to a foreign country. However, it depends on the country you want to visit and its ability to cover for all your health expenses during your stay. In any case, most people should be insured especially for the elderly and those with chronic diseases. Travel insurance is mandatory if you are travelling to an underdeveloped country.
In addition to medical costs, travel insurance is useful in case of loss or theft of personal belongings during travel not only abroad, but also in your home country. Loss of personal belongings or last-minute flight cancellations are common situations. Because of these situations, your trip may turn into a nightmare. A Travel insurance will provide for a cancellation cover. Refund may be in part or in full. You should know that the travel insurance policy covers the number of days you spent in the Schengen area. Rates vary accordingly.
Travel health insurance protects you from financial losses as a result of medical emergencies while you are visiting Europe. If you have a valid insurance policy during your trip, then when you seek medical attention, the insurance company will take over the costs. There are two ways it usually works:
1. The hospital sends the bill directly to the insurance company. You do not need to pay anything upfront.
2. You pay the bill yourself, and then make a claim with the insurance company to reimburse you. Make sure to save the bill you receive from the hospital.
If you are in an emergency situation, make sure to contact the assistance center as soon as you can so that they can help you or inform you on how to proceed.
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.
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