How To Buy A Travel And Medical Insurance Policy For A Multiple-Entry Schengen Visa
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How To Buy A Travel And Medical Insurance Policy For A Multiple-Entry Schengen Visa

Travel insurance for Schengen Visa is for individuals who need a visa to visit the Schengen Area in Europe. This insurance provides non-EU citizens travel and medical coverage across the Schengen Area.

Schengen Area is actually a group of 26 countries where people from all over the world, including inhabitants of the United Kingdom, can travel without going through border checks. A complete list of Schengen countries is as follows:

Countries represented include Austria, Belgium, Denmark, Estonia, Finland, France, Germany,Portugal, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, the Czech Republic, Luxembourg, Malta, the Netherlands, Norway, Poland,  Slovakia, Slovenia, Spain, Sweden, and Switzerland.

When There Is A Need For Travel Insurance In Europe

Under EU law, applicants for a Schengen visa need to provide proof that they have adequate travel insurance. On the website of the European Commission is a comprehensive list of people who require a Schengen visa.

As long as they do not stay in any one country for longer than 90 days every 180 days. Citizens of the United Kingdom do not need a visa to travel to any of the nations that make up the Schengen area and visit any of the Schengen countries.

However, even if you are not required to have travel insurance which is valid in Schengen to enter the Schengen zone, you should still consider purchasing it. Travel insurance covers medical emergencies, lost or stolen items, and cancellations.

What Does Travel Insurance For Schengen Cover Exactly?

Your Schengen travel insurance should cover at least the following for each of the 26 countries:

Coverage for medical expenses up to €30,000 is necessary for applicants seeking a Schengen visa; without it, they won’t be considered.

Coverage for damages to your personal possessions or travel documents in the event of loss, theft, or damage to your bags and passports

Cancellations and delays:  if your vacation is cancelled, delayed, or cut short in any way, you might be able to get some of the money back.

Repatriation is when the costs of bringing you back home if your airline goes out of business or you have a medical emergency.

What Is Not Part Of The Coverage Of A Typical Travel Insurance Policy?

The following are some scenarios in which your insurance might not cover you:

Undisclosed medical conditions If you don’t tell your insurer about previous conditions like asthma or diabetes, your claim may get refused.
If you declare any pre-existing medical issues, you may have to pay a little higher premium. If you get sick while travelling, you’ll have peace of mind knowing you’re well-hidden.

Accidents during high-risk activities like Adventure travel insurance is essential if you plan to ski, mountain bike, or swim overseas. Always check to be sure that your insurance covers the activities you plan to participate in.

Bottom Line

In order to successfully purchase a schengen europe travel insurance policy for a multiple-entry Schengen visa, it is important to understand the specific requirements of the Schengen area, carefully compare and choose an appropriate policy, and ensure that all necessary documentation is provided to the insurance provider.

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