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Travel Insurances

Travel Insurances

When visiting Europe, travellers should be able to handle and financially cover medical services in case of an accident, injury or any other sudden event.

To take care of unexpected expenses that arise while travelling, having travel insurance has been proven to help travellers with financial support and comfort to continue their travel journey without worries.

Visa Insurance Requirements

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

  • A minimum coverage of medical costs: at least 30,000 EUR (equivalent to 31,500 USD as of June 2022).
  • It should cover all member states of the Schengen Area.
  • Cover any expenses which might arise in connection with repatriation for medical reasons, urgent health attention and/or emergency hospital treatment or death.

Who Must Purchase Travel Health Insurance for Europe?

Anyone travelling temporarily to Europe from a country that is subject to visa requirements, be it individual visitors or group visitors, tourists, or business travellers.

Travel Insurance Is a Must When Applying for a Visa

Extract from “Regulation (EC) No 810/2009 of the European Parliament and of the Council of 13 July 2009”, which entered into force on April 5 of 2010:

“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.
The insurance shall be valid throughout the territory of the Schengen Area Member States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30,000”

Who Provides Travel Insurance?

First and foremost, the health insurance policy that you might already possess through your employment contract might cover international medical emergency expenses, however, there are usually limitations to what is covered. Therefore, one shall be well aware of what to expect and what not to expect when having a medical issue in Schengen territory.

Usually, travellers purchase an individual Schengen travel insurance policy for the days planned to spend in Europe at the rightful insurance provider.

Make sure the company you choose is licensed and accepted in the Schengen country you are planning to travel to.