Schengen Travel Insurance
Things you need to know.

Schengen Travel Insurance – European Travel Insurance.

The 26 Schengen countries are Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

If you are looking to travel to any of the above Schengen countries, you must make sure that your Travel Insurance covers all of the Schengen Visa requirements. Your travel insurance must be suitable for all the countries you will be visiting and be it must be able to financially cover any medical services in case you have an accident, injury, or any other sudden event.

When you make the choice to travel within Schengen countries you should bear in mind that the unexpected could happen and therefore you must ensure that your travel insurance policy can take care of any unexpected expenses that arise while you are on the road but bear in mind that insurance is something that you need but never want to use rather than need but not have. Having the right travel insurance policy will help you with financial support and some degree of comfort to continue your travel journey without any worries.

Travel Insurance is mandatory when you apply for a Schengen Visa and the EU country that is the sole or the main destination of the visit is responsible for examining the visa application. If the main destination cannot be determined, it becomes the responsibility of the country of first entry into the Schengen area.

At YallaClick, all our policies are Schengen compliant and even the basic ones will provide the mandatory insurance certificate required when applying for a Schengen visa.

Schengen Travel Insurance - Visa Issuance Requirements.

Medical insurance for a Schengen visa must meet the following criteria:

  1. Applicants for a uniform visa for one or two entries shall prove that they are in possession of adequate and valid travel medical insurance to cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death, during their stay(s) on the territory of the Member States.
  1. Applicants for a uniform visa for more than two entries (multiple entries) shall prove that they are in possession of adequate and valid travel medical insurance covering the period of their first intended visit. In addition, such applicants shall sign the statement, set out in the application form, declaring that they are aware of the need to be in possession of travel medical insurance for subsequent stays.
  1. The insurance shall be valid throughout the territory of the Member States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30000. When a visa with limited territorial validity covering the territory of more than one Member State is issued, the insurance cover shall be valid at least in the Member States concerned.
  1. Applicants shall, in principle, take out insurance in their country of residence. Where this is not possible, they shall seek to obtain insurance in any other country. When another person takes out insurance in the name of the applicant, the conditions set out in paragraph 3 shall apply.
  1. When assessing whether the insurance cover is adequate, consulates shall ascertain whether claims against the insurance company would be recoverable in a Member State.
  1. The insurance requirement may be considered to have been met where it is established that an adequate level of insurance may be presumed in the light of the applicant’s professional situation. The exemption from presenting proof of travel medical insurance may concern particular professional groups, such as seafarers, who are already covered by travel medical insurance as a result of their professional activities.
  1. Holders of diplomatic passports shall be exempt from the requirement to hold travel medical insurance.

 

Coronavirus & Travel Insurance Restrictions in Schengen Countries,

On March 11, 2020, The World Health Organization (WHO) declared COVID-19 a pandemic. Your insurance must cover you for COVID-19 if you are travelling throughout Europe.

Do Schengen Visa Insurance Plans Cover COVID-19?

Yes, some Schengen insurance policies cover COVID-related illness, provided that when you travel, you respect the laws and regulations of your country’s government and the World Health Organization (WHO).

COVID-19 insurance must also cover the following:

Health emergencies related to COVID-19, including medical treatment, medication, and hospitalisation.

Whether an insurance company covers COVID will be stated in their policy features and terms and conditions, so make sure you read the terms and conditions of your policy.

What if the embassy asks for a Schengen insurance certificate with COVID protection?

If your insurance policy includes Schengen protection, then it should state so on the certificate. If your insurance certificate does not explicitly state that you have COVID protection, you could ask your insurer to provide you with one that does.

What Does Europe Travel Health Insurance Policy Usually Cover?

  • A good travel insurance policy for Europe should cover the following costs:
  • Medical emergency (accident or sickness) while in the Schengen Area
  • Emergency evacuation
  • Repatriation of remains
  • Trip cancellation or curtailment
  • Accidental death, injury or disablement benefit
  • Lost, stolen or damaged baggage, personal effects or travel documents
  • Delayed baggage (and emergency replacement of essential items)
  • Flight connection missed due to airline schedule crash
  • Travel delays due to weather
  • Terrorism or Hijacking (which is usually an optional cover)

Should Travel Visa Insurance Policy Cover All Schengen Area Countries?

Yes, travel health insurance policy should cover all member states: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.

Are pre-existing illnesses covered a Common Schengen Insurance Policy?

The simple answer is no but then you will find exceptions. For a definitive answer check your insurance policies Terms and conditions carefully.

What else is excluded in a policy?

For a definitive answer, you will need to read the terms and conditions for each policy but generally the following are excluded or require additional optional add-ons.

  • Pre-existing conditions (e.g. Asthma, diabetes)
  • Sports with an element of risk (e.g. skiing, scuba diving, mountain climbing)
  • Travel to high-risk countries (e.g. Due to war, natural disasters or acts of terrorism or countries that state on the FCO website that they Advise against all travel to xxxx)
  • Acute onset of pre-existing conditions – It means a sudden and unexpected occurrence of pre-existing medical conditions without any prior warning from a health care professional. If you have pre-existing conditions, make sure to get this coverage to protect you against any emergency situation that arises due to pre-existing conditions in spite of taking care.

Don’t let price determine your selection.

Not all low-cost travel insurance policies contain low-quality services and not all expensive insurance plans have high-quality covers. The easiest way to properly choose a travel policy that is suitable for your is to carefully go through all of the terms and conditions and decide which policy covers all of the areas that are required by the Schengen visa application requirements.

What is Travel Health Insurance?

Not all low-cost travel insurance policies contain low-quality services and not all expensive insurance plans have high-quality covers. The easiest way to properly choose a travel policy that is suitable for your is to carefully go through all of the terms and conditions and decide which policy covers all of the areas that are required by the Schengen visa application requirements.

Travel insurance should be an essential part of travelling and we advise never to travel without it.

Apart from medical expenses, travel insurance is destined to cover different losses suffered during the trip. Unexpected occurrences such as lost luggage, cancellation or curtailment of your flights definitely or the loss of a passport or money will certainly ruin your trip.

Whether you are travelling once or several times during a year a travel insurance policy will match and cover the exact number of the days spent in the international territory, in this case, the Schengen territory, the price ranging accordingly.

What are the common restrictions and limitations?

As previously mentioned, there are travel insurance companies that don’t provide coverage for pre-existing conditions.

  • Sports – Participation in high-risk activities such as extreme sports e.g., scuba diving, skydiving, etc., can be excluded or require an additional add-on
  • War and terrorism – Policies may exclude coverage for injuries caused by war when travelling to an endangered war zone. To see if the country you are travelling to is covered, we suggest checking on the FCO website. If they Advise against all travel to your destination country then you will not be covered.
  • Duration – Many policies specify a time limit for coverage (e.g., 90 days) and the costs differ accordingly. Usually multi-trip policies cover you for a maximum of 90 days for each trip but you should check your policy for more details.

Even though travel medical insurance is not mandatory for visa-free third-country nationals it is highly recommended to get one in case of travel to the Schengen countries.

If you want a no obligation Travel Insurance quote then just YALLACLICK here and use our portal.

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