For anyone applying for a Tourist Schengen Visa, it is mandatory to have a valid travel insurance for Schengen Visa when you submit your application. A lot of people think that it doesn’t matter what type of travel insurance they have, but in fact there are many requirements that your Schengen Travel Insurance has to meet in order to be accepted, and it’s important that you read all the fine print so you are certain that your travel insurance will cover you in the events of an emergency.
Is Travel Insurance a must when applying for a Schengen Visa?
Yes, as per the Regulation (EC) No 810/2009 of the European Parliament and the Council of 13 July 2009”, which implemented on April 5 of 2010. its mentioned in the article 15.
the reason embassies require you to show proof of valid travel insurance is pretty simple; medical expenses are extremely costly, and if the different national governments didn’t require visitors to have their own insurance already in place, they would have to pay millions each year for travelers who either who are in need of medical care while visiting their country.
Travel Insurance for Schengen Visa differs somewhat from other travel insurances in that it has to meet specific requirements that apply to all Schengen country visa applications.
Are There Different Types of Travel Insurance For Schengen Visa?
When you apply for your Tourist Schengen Visa you can choose between applying for a single entry Schengen Visa, a double entry Schengen Visa and a multiple entry Schengen Visa. Because of the fact that there are three different types of visas, some people wonder if there are different requirements for the types of Travel Insurance for Schengen Visa. In short, the answer is, no there isn’t.
Travel Insurances in general can vary a lot, both in price and in coverage. Some travel insurances will cover you from A to Z, with no fine print to get in the way. Some insurance companies will charge you double of what others do, so we recommend that you start searching for the best travel insurance for you as soon as possible.
Some insurances will give you “basic coverage”, and these types usually cover most necessities in the case of an emergency, but will not cover for example lost baggage, delayed or missed flights, stolen personal belongings etc. For that you will usually have to choose an extended coverage, or total coverage plan. There are also big differences in the minimum coverage, and as the Travel Insurance for Schengen Visa has a minimum coverage requirement, it’s important that your travel insurance meets this criteria.
In addition you can usually choose whether your insurance needs to be valid for just one country, one continent or offer global coverage.
At Schengen visa flight reservation, we have just started an exciting new collaboration with some of the best & cheapest travel insurance for Schengen visa. Because we already have direct experience with applying for Tourist Schengen Visa ourselves, we know exactly what Schengen visa travel insurance requirements you need for your Travel for Schengen countries, including what type of insurance you need, minimum coverage and validity. Schengen visa flight reservation is dedicated to helping travelers from all countries and background make their dream trips come true, and offer low-cost visa services to all budget travelers. We also offer FREE visa consultations over WhatsApp. Contact us anytime for help with you visa inquiries, or questions about Travel Insurance for Schengen Visa.
Requirements For Travel Insurance For Schengen Visa:
The first thing you have to do, is make sure you know what the requirements are for your Travel Insurance for Schengen Visa, as it can be slightly different from other travel insurance requirements.
In general, a travel insurance will cover a lot more than the checklist below, however this checklist is what is mandatory for your Travel Insurance for Schengen Visa and your Tourist Schengen Visa Application. If your travel insurance does not meet these criteria, your application will be rejected. The mandatory medical insurance requirements for any travel Insurance accompanying a Schengen Visa application are:
- The insurance must cover urgent medical expenses as well as repatriation to your state of residence (in other words it must cover expenses in relation to your return to your home country)
- The insurance must be valid for the entire duration of your stay in the Schengen Member States
- The insurance must have a minimum coverage of €30,000
These are the mandatory requirements for any Travel Insurance for Schengen Visa, but make sure you read through the terms and conditions of your insurance thoroughly. For example, many insurance companies will not cover accidents caused by participating in “extreme sports”, but what many people don’t know is that even something as common as horse riding is in some cases considered extreme sport. Contact your insurance company if you are in doubt about your Travel Insurance For Schengen Visa.
What Is the Best Travel Insurance For Schengen Visa?
The best Travel Insurance for Schengen Visa depends on each individual traveler, and what type of traveling they intend to do. Are you backpacking, flash packing, or going on a Bear Grylls Adventure?
Like we mentioned before, many insurance companies will have a fine print that stretches over numerous pages explaining the terms of the insurance. Even if it is a boring task, we strongly recommend that you read through all of these terms so you know exactly what your insurance covers and what it doesn’t. No insurance companies will cover any sickness that was present before the trip commenced, for example chronic asthma, joint pain or any other disease that did not occur on the trip itself.
Remember to also check if your Travel Insurance for Schengen Visa covers damage or loss of personal belongings, and if it covers the other party should you have an accident involving other people as well.
Of course, none of us want to end up in a situation where we have to use our travel insurance. However, one of our staff here at Schengen visa flight reservation actually had to use her travel insurance twice already! None of the incidents were severe, but hospital visits were required both times, and would have ended up costing thousands of dollars had she not had the insurance. So not only is it mandatory for your Tourist Schengen Visa Application, it’s also very risky not to have travel insurance, both for the sake of your health and your wallet!
If you have any questions or doubts about what to do about your Travel Insurance for Schengen Visa, just drop us a line on WhatsApp or send us an e-mail, and we will get right back to you with all the information you need about flight reservations for visa applications, visa consultation or advice and info on our Travel Insurance for Schengen Visa.