Schengen Visa Travel Insurance: Everything You Need to Know

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If you’re planning to travel to Europe and you’re not a citizen of the EU or EEA, then you may require a Schengen Visa to enter. One of the requirements for obtaining this visa is having adequate travel insurance that meets the minimum coverage requirements set by the Schengen Agreement. In this article, we’ll cover everything you need to know about Schengen Visa travel insurance, including the minimum requirements, how to choose the right policy, FAQs, and more.

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What is a Schengen Visa?

The Schengen Visa is a document that allows non-EU/EEA citizens to enter and travel within the Schengen Area for up to 90 days within a 180-day period. The Schengen Area consists of 26 European countries that have abolished border controls between them, making it easier for travelers to move around. These countries include Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

What is Schengen Visa Travel Insurance?

Schengen Visa travel insurance is a type of travel insurance policy that meets the minimum coverage requirements set by the Schengen Agreement. The policy must cover medical emergencies and repatriation, among other things, with a minimum coverage of €30,000 ($36,000 USD). The purpose of this policy is to ensure that travelers are financially protected in case of unexpected events such as accidents, illnesses, or injuries during their stay in the Schengen area.

What are the Minimum Coverage Requirements for Schengen Visa Travel Insurance?

The minimum coverage requirements for Schengen Visa travel insurance are set by the Schengen Agreement and are as follows:

Type of Coverage
Minimum Coverage Amount
Medical Emergencies and Repatriation
€30,000 ($36,000 USD)
Emergency Dental Treatment
€500 ($600 USD)
Emergency Hospital Treatment
€1,500 ($1,800 USD)
Emergency Medical Transportation
Unlimited
Repatriation of Remains
Unlimited

Note that these are the minimum requirements and some countries may require higher coverage amounts. It’s important to check the specific requirements of the country you’ll be visiting before purchasing a policy.

How to Choose the Right Schengen Visa Travel Insurance Policy?

When choosing a Schengen Visa travel insurance policy, here are some things to consider:

Coverage Amounts:

Make sure the policy you choose meets the minimum coverage requirements set by the Schengen Agreement. If the country you’re visiting requires higher coverage amounts, consider purchasing a policy that meets those requirements.

Duration of Stay:

If your trip is longer than 90 days, you may need to purchase a policy that covers the entire duration of your stay.

Pre-Existing Medical Conditions:

If you have a pre-existing medical condition, make sure the policy covers it or consider purchasing a policy with a pre-existing medical condition waiver.

Additional Coverage:

Consider additional coverage such as trip cancellation, trip interruption, or baggage loss/damage.

FAQs:

Q: Do I need Schengen Visa travel insurance if I have travel insurance from my home country?

A: Yes, you still need Schengen Visa travel insurance even if you have travel insurance from your home country. The policy must meet the minimum coverage requirements set by the Schengen Agreement.

Q: Can I purchase Schengen Visa travel insurance once I’m already in the Schengen Area?

A: No, you must purchase the policy before you enter the Schengen Area.

Q: How long does the Schengen Visa travel insurance policy need to be valid?

A: The policy needs to be valid for the entire duration of your stay in the Schengen Area.

Q: Can I purchase Schengen Visa travel insurance from any insurance company?

A: No, the policy must be purchased from an insurance company that is authorized to offer Schengen Visa travel insurance.

Q: Do I need to provide proof of Schengen Visa travel insurance when applying for the visa?

A: Yes, you need to provide proof of Schengen Visa travel insurance when applying for the visa.

Conclusion:

Having adequate Schengen Visa travel insurance is a requirement for obtaining a Schengen Visa and entering the Schengen Area as a non-EU/EEA citizen. Make sure the policy you choose meets the minimum coverage requirements and consider additional coverage if needed. By doing so, you’ll have peace of mind knowing that you’re financially protected during your stay in the Schengen Area.

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