Planning a trip to the Schengen Area in Europe? Securing the right travel health insurance is not just a recommendation but a mandatory requirement, especially if you’re applying for a Schengen visa. In this blog post, we’ll delve into the Schengen Visa Insurance Requirements, explore the offerings from reputable providers like Europ Assistance and vti.travel, and address crucial questions related to COVID-19 coverage. Let’s navigate the intricacies of Schengen travel insurance to ensure your journey is not only safe but also financially secure.
Schengen Visa Insurance Requirements
1. Minimum Coverage:
When applying for a Schengen visa, your travel insurance must meet specific criteria. It should provide a minimum coverage of medical costs, amounting to at least 30,000 EUR (32,200 USD as of November 2023).
2. Coverage Criteria:
- The insurance should cover all member states of the Schengen Area.
- It must include expenses related to repatriation for medical reasons, urgent health attention, emergency hospital treatment, or death.
3. Recommended Providers:
Europ Assistance and vti.travel, in partnership with AXA, Allianz, and Mutuaide, offer essential insurance certificates required for Schengen visa applications. Comparing prices and coverage options on vti.travel allows you to find the best policy for your specific needs.
Who Must Purchase Schengen Travel Health Insurance?
1. Mandatory for Visa Applicants:
Travellers applying for a Schengen visa, regardless of their purpose (business, tourism, studying, holidays), are obligated to have travel insurance covering the entire period of their stay in Europe.
2. Non-Visa Travellers:
While it’s highly recommended for non-visa travellers to have travel insurance, it’s not mandatory. However, acquiring a policy ensures financial support and peace of mind during your journey.
Schengen Travel Insurance Plans and Costs
1. Schengen and Schengen Plus Plans:
Europ Assistance offers Schengen and Schengen Plus plans, covering the Schengen area and additional EU countries. The costs vary based on the duration of travel, with one-week policies starting as low as €18.
| Duration of Travel | Schengen (EUR) | Schengen Plus (EUR) |
| Up to 7 days | 18 | 28 |
| Up to 15 days | 30 | 49 |
| … | … | … |
2. COVID-19 Coverage:
Given the ongoing pandemic, it’s essential to consider COVID-19 coverage. Some policies cover COVID-related illness, including medical treatment and repatriation costs. However, quarantine-related expenses are generally not covered.
FAQs:
How to Obtain a Certificate with COVID Protection?
Ensure your insurance certificate explicitly mentions COVID protection. If not, request your insurer to provide one that does.
Can I Extend My Policy Due to COVID Travel Restrictions?
Contact your insurance company for information on policy extensions due to COVID-related travel bans. Be prepared to pay an additional charge.
What Does a Schengen Insurance Policy Usually Cover?
A comprehensive policy should cover medical emergencies, emergency evacuation, repatriation, return of a minor, accidental death or disablement benefit, and overseas funeral expenses.
Helpful Tips About Europe Visa Insurance
1. Assess Existing Coverage:
Before purchasing additional insurance, check if your existing coverage includes international health emergency costs.
2. Consider Combined Travel Insurance:
For those traveling by car, consider combined travel insurance covering health matters and valuable possessions to mitigate unforeseen expenses.
3. Address Preexisting Conditions:
Individuals with preexisting conditions should carry their medical files and prescribed medications. Chronic disease patients should ensure an adequate supply for the entire trip.
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Conclusion:
Securing the right travel health insurance is not just a legal requirement but a crucial step in ensuring a safe and worry-free trip to the Schengen Area. Whether you’re applying for a Schengen visa or planning a visa-free visit, understanding the insurance landscape is paramount. Choose a reliable provider, assess coverage needs, and travel with confidence knowing you’re financially protected. For more information and to compare policies, visit Europ Assistance or explore vti.travel’s offerings from AXA, Allianz, and Mutuaide. Travel smart, travel safely!
