Things to know about Schengen Travel Insurance
Europe, one of the world’s smallest continents with not-so-small dreams. This is a dream destination for a lot of travellers, because why not? Europe with its beautiful, vibrant countries is sure a delight to the eyes of a traveller. Famous for the northern lights in Norway to the alluring museums, artifacts, and nightlife in France, Italy, and Germany.
But things can go downhill at any time when traveling. Unexpected accidents can ruin your trip. Plus, the medical expenses in Europe are high enough to break your bank. But the possibility of these scenarios occurring is least if you are well prepared beforehand. One of the most important things, before you take your flight to Europe, is purchasing a Schengen Visa and Schengen travel insurance.
What is Schengen Visa?
Now that you know Schengen Visa is something you need to get for yourself, let’s see what it is. If you are not an American citizen and belong to the countries- India, China, Russia, etc; you need to get a Visa to enter the Schengen areas of Europe.
This visa, particularly called Schengen Visa allows free movement among the Schengen countries of Europe. The 26 countries that make the Schengen area includes- Austria, Belgium, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.
On the other hand, Schengen Visa insurance is an insurance plan that provides coverage related to accidents, emergency medical aid, and even death for visitors traveling to these countries.
The benefits of a Schengen Visa Insurance are-
- Emergency medical coverage.
- Coverage for the duration of stay.
- Emergency evacuation.
- Flight delay/interruption coverage and coverage of baggage loss.
In some cases, Schengen Travel insurance also provides coverage related to Covid-19. Hence it is advised that you go through all the details before purchasing one.
How to get Schengen Travel Insurance?
The process of purchasing a Schengen Travel Insurance is simple. You just need to visit a top-rated insurance company website and get your quote. Compare the different plans available and choose the one that best suits your requirement. In case you are stuck or confused, you can always reach out to insurance company customer service and get your queries cleared.
The cost of Schengen Visa insurance can be as low as 0.99 Euros per day. However, the total cost depends on the type of the insurance plan, the duration of stay, the amount of coverage required, the age of the traveller, etc.
Best Schengen Travel Insurance Plans
Although it is important to purchase your Schengen travel insurance, what’s even more important is to know which plans will serve your needs. There are several plans available for the same which makes it even harder to classify and choose the one that’s good enough. You can always ask for expert assistance before deciding which plan you should go for. However, some of the best Schengen travel insurance plans are-
- Maximum coverage ranges between $50,000 and $2 million.
- Provides coverage for hospital, doctor visits, prescription drugs as well as Covid- 19.
- Provides coverage for acute onset of pre-existing conditions.
- Coverage for a minimum of 5 days and a maximum of 1 year.
- Maximum coverage ranges between $50,000 and $1 million.
- Provides coverage for hospital expenses, doctor visits, prescription drugs as well as Covid- 19.
- Provides coverage for acute onset of pre-existing conditions.
- Coverage for a minimum of 5 days and a maximum of 2 years.
Conclusion
If you are from a country that needs to purchase Schengen Visa, you must get yourself Schengen visa travel insurance as well because prevention is always better than cure.
