Why You Need Travel Insurance for Schengen Visa: A Comprehensive Guide
Introduction:
Traveling is one of the most rewarding experiences one can have, and exploring new places can be a great way to relax and unwind. However, while traveling, one should always be prepared for the unexpected, as mishaps can occur at any time. One such mishap is falling ill or getting injured while traveling. This is why having travel insurance for Schengen visa is crucial.
What Is Schengen Visa?
Schengen visa is a type of visa that allows the holder to travel within the Schengen Area, which comprises of 26 European countries. These countries have abolished internal border controls, allowing free movement of people and goods within the area. Citizens of many countries, including the USA, Canada, Japan, Australia, and most European nations, can visit the Schengen Area for up to 90 days without a visa.
Why Do You Need Travel Insurance for Schengen Visa?
While traveling to the Schengen Area, one must have travel insurance coverage. The Schengen visa requirements mandate that the insurance has to cover medical expenses, emergency hospital treatment, and repatriation to the home country if required. Having travel insurance guarantees that in the unlikely event of falling ill or getting injured, medical expenses will be covered, and you won’t have to worry about hefty bills.
What Does Schengen Visa Travel Insurance Cover?
Travel insurance for Schengen visa provides various benefits, such as:
Medical expenses:
Schengen visa travel insurance covers medical expenses resulting from an emergency such as injury or illness. This includes hospitalization, medication, and treatment costs incurred.
Emergency evacuation:
Travelers can be returned to their country of origin if repatriation is essential due to a medical emergency. The travel insurance policy must cover terrorism and civil war, which are the most common reasons for emergency evacuation.
Personal liability:
This coverage pays for damages and losses incurred by a third party due to an accident that occurred on the policyholder’s trip. For example, if a traveler drops their camera while on a trip and damages a third party’s property, the insurance company will cover the damages.
What Is the Cost of Schengen Visa Travel Insurance?
The premiums for Schengen visa travel insurance vary depending on the coverage selected, the duration of the trip, and the age of the traveler. However, travelers should ensure that the travel insurance policy selected meets the minimum requirements specified by the Schengen Area authorities.
Closing Thoughts
Traveling to the Schengen Area is an adventure of a lifetime. However, the possibility of an unexpected medical emergency can dampen the entire experience if you are not adequately prepared. Therefore, it is wise to have Schengen visa travel insurance to ensure that medical expenses are covered, and you can focus on enjoying your trip without any worries.
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