Key Features to Look for When Buying Schengen Travel Insurance

When you plan to travel to a country in the Schengen Area, you have to purchase Schengen travel insurance. According to visa guidelines, it is mandatory for all visitors visiting the Schengen Region to buy travel medical insurance.

So, when looking for a travel insurance plan, it would be helpful to search for one designed specifically for the Schengen Region and one that complies with that region’s legal travel advisories.

Key Features to Look for When Buying Schengen Travel Insurance

Coverage for Medical Emergencies

When you buy travel insurance for a Schengen Visa, the first key feature to look for is medical coverage. Make sure that the policy provides sufficient coverage for medical expenses arising due to emergencies like falling ill or an accident. The minimum medical emergency cover required is EUR 30,000 for Schengen travel insurance. This cost includes repatriation, hospitalisation and outpatient care.

Entire Schengen Area Coverage

Before you buy travel insurance for a Schengen visa, you must ensure that the policy is valid across all 29 countries that fall under the Schengen Region. This is irrespective of which country you plan to visit. To qualify as Schengen travel insurance, the policy should cover all the Schengen countries. Moreover, the travel insurance should cover your entire stay duration in the Schengen Region.

Trip Cancellation Coverage

You must get travel insurance for a Schengen visa with coverage for trip cancellation. There are times when you might have to cancel your trip after making all the necessary reservations. In such cases, your Schengen travel insurance should be able to reimburse you for the financial loss due to non-refundable tickets and pre-booked accommodation.

Coverage for Loss or Delay of Checked-in Baggage

Your travel insurance online for a Schengen visa should cover you in case your checked-in baggage is delayed for more than 12 hours or lost altogether. The policy should also reimburse you for purchasing emergency essentials, like toiletries, clothes, etc.

Passport Loss Coverage

It is also important that the travel insurance for Schengen Visa online provides coverage in case your passport is stolen or lost. The Schengen travel policy you buy should reimburse you for the expense involved in reissuing your passport.

Other Important Features to Look for in Schengen Travel Insurance

• Dental Treatment - The policy should cover the expenses of anaesthetic dental treatment, including treatment due to an accident.
• Personal Liability Cover - The policy should provide protection against legal liability in case of accidental injury or property damage to a third party.
• COVID-19 Cover - Expenses involved with treatment of COVID-19 if contracted during your travel, should also be covered by the policy.

To Conclude

Finally, make sure that the Schengen travel insurance you buy covers you in case of a personal accident that may lead to permanent disablement or death during your trip. Keeping these features in mind while looking for Schengen travel insurance will ensure proper coverage for your trip.