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Heading to Europe for a vacation or a business trip? You may need to get a Schengen travel insurance. The Schengen area is a group of 26 European countries that have abolished internal border controls, allowing travelers to move freely within the region. To enter this area, non-European Union citizens need a Schengen Visa which requires travel insurance as one of its mandatory requirements. But even if you don’t need a visa, it’s still a great idea to get a travel insurance that covers your European adventures.
What is Schengen Travel Insurance?
Schengen travel insurance is a type of travel insurance that meets the minimum coverage requirements set by the Schengen area. According to the Schengen Visa Code, the insurance policy should be valid in all Schengen states, cover the entire duration of your stay, and have a minimum coverage of €30,000 for medical and hospitalization expenses, including repatriation. It should also cover any expenses incurred in case of death.
Why Get Schengen Travel Insurance?
Getting Schengen travel insurance provides several benefits, such as:
- Medical expenses coverage – accidents and illnesses can happen while on vacation or on a business trip. Schengen travel insurance helps you cover any unexpected medical expenses.
- Cancellation or interruption coverage – in case you need to cancel or interrupt your trip due to unforeseen circumstances, such as a family emergency or a natural disaster, Schengen travel insurance can help you recover the cost of your flights, hotels, and other reservations.
- Travel delay coverage – if your flight is delayed, Schengen travel insurance can reimburse your additional expenses, such as meals and accommodation.
- Luggage loss or delay coverage – if your luggage gets lost or delayed, Schengen travel insurance can help you cover the costs of buying new clothes and other essentials.
- 24/7 assistance – in case of an emergency, Schengen travel insurance providers offer a helpline that you can call anytime to get help.
How to Choose the Best Schengen Travel Insurance?
When choosing the best Schengen travel insurance, here are some factors to consider:
- Price – compare the prices of different Schengen travel insurance policies to find the one that provides the best value for your money.
- Coverage – make sure the policy covers all the required Schengen Visa insurance requirements, as well as your personal needs.
- Exclusions – read the policy’s fine print to know what is NOT covered by the insurance.
- Provider’s reputation – choose a reputable insurance provider with a good track record of customer satisfaction.
- Customer service – check if the insurance provider offers 24/7 customer service and emergency assistance.
Where to Buy Schengen Travel Insurance?
You can buy Schengen travel insurance from different sources, such as:
- Insurance companies – contact a local or international insurance company that offers Schengen travel insurance.
- Travel agencies – some travel agencies offer Schengen travel insurance as part of their travel packages.
- Online – you can easily compare and buy Schengen travel insurance policies online.
Conclusion
Traveling to Europe can be an exciting adventure, but it’s essential to be prepared for any unexpected incidents that may happen. Getting Schengen travel insurance can give you peace of mind and protect you from any financial losses due to medical emergencies, trip cancellations, luggage loss, and other unforeseen circumstances. Choose the best Schengen travel insurance that meets your needs and enjoy your European trip with confidence!
| FAQ | Answers |
|---|---|
| What is Schengen travel insurance? | Schengen travel insurance is a type of travel insurance that meets the minimum coverage requirements set by the Schengen area. |
| Why do I need Schengen travel insurance? | To comply with the Schengen Visa requirements and to protect yourself from any unexpected incidents that may happen during your European trip. |
| How much coverage should my Schengen travel insurance have? | The policy should have a minimum coverage of €30,000 for medical and hospitalization expenses, including repatriation. |
| What other benefits does Schengen travel insurance provide? | Schengen travel insurance also covers trip cancellations or interruptions, travel delays, luggage loss, and provides 24/7 assistance. |
| Where can I buy Schengen travel insurance? | You can buy Schengen travel insurance from insurance companies, travel agencies, or online. |