A Guide to Get Your Travel Insurance for the Schengen Visa

Going on a trip this year to a Schengen nation? Before you go on your trip, be sure to obtain travel insurance for a Schengen visa.

Travel insurance is designed to cover a variety of losses incurred during the journey, both domestically and abroad, apart from just medical costs. Unexpected events, such as misplaced baggage, last-minute airline cancellations, and travel agency or hotel bankruptcy, will undoubtedly disrupt your holiday. As a result, a travel insurance plan is created to provide cancellation protection through partial or full reimbursement. It also caters to

What is Schengen Travel Insurance?

The 26 nations that agreed to the Schengen Agreement in Luxembourg, Europe, in 1985 are known as Schengen countries. These nations include, among others, France, Germany, Belgium, Denmark, Switzerland, Austria, and Greece. Before visiting any of the listed Schengen nations, you need a Schengen visa and the required travel insurance for a Schengen visa.

Why Do You Need Travel Insurance for a Schengen Visa?

Travelers are required to get travel insurance along with a Visa for traveling to any of the Schengen nations. This insurance shields them from unforeseen circumstances that might affect their vacation by offering financial help in a variety of situations. These range from third-party damage to medical problems, hospitalization costs, accidents, missing or delayed luggage, missing passports, aircraft cancellations and delays, and several other travel-related situations.

Points to Consider for Getting Schengen Travel Insurance

It is quite simple to get travel insurance for a Schengen visa. Consider these points before purchasing travel insurance coverage.

1. Ensure that travel insurance satisfies the requirements for Schengen Insurance

Numerous foreign and Indian travel insurance organizations provide Schengen insurance online. However, a lot of them seem too good to be true. Some charge you much more, yet they provide protection and services that you do not need. The first and most crucial item you should look into is what is covered in any insurance plan particularly before comparing pricing.

Make sure the travel insurance for the Schengen visa you are thinking of getting satisfies the following requirements:

  • It must cover the whole Schengen area; otherwise, it is not Schengen travel insurance.
  • It covers the costs of medical emergencies, such as accidents and illness.
  • If you die away while traveling to the Schengen Area due to a natural cause or an accident, your body will be returned to India.
  • A minimum of €30,000 in financial insurance for medical emergencies or repatriation is required.

Additionally, check sure they are legitimate if you randomly located a Schengen insurance company online that only accepts Indian passport holders.

2. Check the reviews of the travel insurance provider

Most providers of travel insurance allow customers to rank and comment on their services. Even while this may not seem like the ideal approach to decide, it could be helpful. No matter how excellent the service is, some customers will always be dissatisfied. But you should also think about the overall ratings, and you might gain a lot from other people’s experiences.

3. Choose a reputed travel insurance company.

It is always preferable to choose reputable insurance companies with years of experience who have a lot of satisfied customers. By doing this, you can be sure that you are paying for the right insurance that satisfies the Schengen insurance requirements for travelers from India. Pick an insurance provider that is recognized by Indian consulates and embassy offices throughout Europe.

Steps to Obtain Schengen Travel Insurance

The information provided here includes step-by-step instructions on how to get travel insurance for a Schengen visa. You need to take the following simple steps to obtain the insurance:

  1. Visit the websites of the Insurance company.
  2. Select “quote” from the menu.
  3. Enter the arrival and departure dates from your European destination country in the appropriate sections.
  4. Decide how many individuals you wish to have insurance coverage for. The website will determine the cost and number of days the insurance will be valid for you as per travel coverage.
  5. Finish filling out the order form. Your name, surname, place of residence, and birth date will then be required on a new form that will be provided to you. You also have to give your email ID and complete the online payment.

Once you have finished all of these processes, an email confirming that you have acquired Schengen insurance will be sent to you. You may use this email to access the document once you have entered the Schengen area. On the day of your consultation, you should provide this insurance paper to the Embassy in India to get your visa.

Some Common Exclusions from Schengen Travel Insurance

Certain travel insurance providers don’t cover pre-existing illnesses abroad. If you have a problem before leaving, and you’re receiving treatment then you are not eligible for any reimbursements in medical expenses. However, if a person’s health is declared okay, then their travel insurance may cover an unforeseen illness while they are abroad. The following are often limited by insurance providers:

  • Sports that involve a high level of danger, such as scuba diving, skydiving, and other extreme sports, may be disallowed.
  • When traveling to a dangerous war zone, policies may limit coverage for injuries brought on by war.
  • Any insurance coverage excludes self-inflicted injury and suicide, whether domestic or international.
  • Your insurance coverage will not pay for medical expenditures if you misuse any drugs or alcohol, whether domestically or abroad.

Indian nationals who want to visit Europe must register for and obtain a visa before they go to the Schengen Zone. Each bearer of an Indian passport must comply with several steps and requirements to apply for a Schengen visa in India. The Indian applicants will need to gather documents during the application procedure to verify their eligibility for a visa. One of the most crucial papers is a confirmation of travel insurance coverage that is valid across the whole Schengen area and for the duration of the trip to Europe.

Disclaimer – The above information is for illustrative purposes only. For more details, please refer to policy wordings and prospectus before concluding the sales.


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