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If you are planning to travel to Europe, you might need a Schengen visa. The Schengen Area is a group of 26 European countries that have abolished passport and other types of border control at their mutual borders. However, travelers from certain countries, including many non-EU countries, need to obtain a Schengen visa before they can enter the area.
What is a Schengen visa?
A Schengen visa is a short-stay visa that allows its holder to travel to and within the Schengen Area for up to 90 days within a 180-day period. The visa is issued by one of the Schengen countries, but it is valid for the entire area. This means that you can travel to multiple Schengen countries with the same visa, as long as you don’t stay longer than 90 days in total.
Do I need travel insurance for a Schengen visa?
Yes, if you are applying for a Schengen visa, you are required to have travel insurance that meets certain criteria. According to the Schengen Visa Code, the insurance must:
| Criteria | Minimum Coverage |
|---|---|
| Medical Expenses | €30,000 |
| Repatriation of Remains | €7,500 |
| Emergency Medical Evacuation | Full Coverage |
The insurance must also be valid for the entire duration of your stay in the Schengen Area and cover any expenses that might arise as a result of your repatriation for medical reasons, urgent medical attention, or emergency hospital treatment.
Why do I need travel insurance for a Schengen visa?
The purpose of requiring travel insurance for Schengen visas is to ensure that travelers are covered for any medical emergencies or other unforeseen circumstances that might occur during their stay in the Schengen Area. This not only protects the traveler from financial losses, but it also ensures that the healthcare systems of the Schengen countries are not overburdened with unpaid medical bills.
Where can I buy travel insurance for a Schengen visa?
You can buy travel insurance for a Schengen visa from any reputable insurance provider that offers coverage that meets the Schengen requirements. You can also buy it online or through a travel agency. Make sure to read the policy carefully and ensure that it covers all the necessary criteria.
What happens if I don’t have travel insurance for my Schengen visa?
If you don’t have travel insurance that meets the Schengen requirements, your visa application may be denied. Even if your application is approved, you may be denied entry into the Schengen Area at the border control if you are not able to provide proof of adequate travel insurance. In addition, you may face penalties and fines for not having insurance.
Conclusion
Travel insurance for a Schengen visa is not only a requirement, but it is also a wise investment in your health and safety while traveling. Make sure to purchase insurance that meets the Schengen criteria, and keep the policy documents with you at all times during your trip. Safe travels!