Schengen visa insurance – Travel insurance Europe for the Schengen visa
Before travelling to Europe, you must purchase a Travel Insurance. Indeed, no one is immune from a health issue or an accident. Travel insurance covers for medical expenses, for illnesses, injuries, hospitalisation or other unfortunate events. Simply put, travel insurance helps travellers cope better with unexpected expenses. With this financial support, travellers will have peace of mind.
Schengen visa: Insurance requirements
To obtain the Schengen visa, you must take out a medical insurance. This insurance shall meet strict criteria, including:
- It must guarantee a minimum coverage of €30,000 or $34,000;
- It must cover all Schengen member countries;
- It must cover the costs in the event of repatriation to your country of origin, death or emergency health care.
Mondialcare.eu and Visa-Schengen-Assurance.com are among the travel insurance programs that provide the precious insurance certificate. If you wish to travel to the Schengen area, you will only have to apply with one of these two groups.
Purchasing a travel insurance also covering for illness is mandatory, but only for travellers who want to travel to the Schengen area. Indeed, they must be covered during their stay in the European territory. This applies to anyone, from students to holidaymakers, tourists and people on business trips.
In case you have been granted a visa exemption, you may choose the Visa Insurance of your choice, if you wish to do so. This is not mandatory, but strongly advised because the costs in case of an accident are very high in the Schengen area.
Travel insurance is mandatory
“Regulation (EC) No. 810/2009 of the Parliament and the European Council of 13 July 2009” in force since 5th April 2010, provides that:
« …Applicants for a Uniform visa for one or two entries must prove that they have a proper and valid travel medical insurance that covers the costs you may incur as part of repatriation for medical reasons, emergency medical care and/or emergency hospital care or death, during your stay on the territory of the Member States »;
The insurance is valid in all Schengen countries. It covers the duration of the stay in Europe. Elle couvre toute la durée du séjour en Europe.
Schengen travel insurance: Who shall take out this insurance?
Who issues a Schengen travel insurance?
The insurance policy covers for medical expenses when you are abroad. There is however, a liability limit. That’s why it’s important to check with a travel agency or an insurance company. Generally travellers purchase travel insurance based on the number of days they will stay in Europe.
You are surely asking yourself this question: which insurance policy shall I choose? We recommend Mondialcare.eu or Visa-Schengen-Assurance.com. These two companies have been issuing insurance policies approved by the European Community, its delegations and European consulates around the world for almost 25 years. If your visa is denied, you will only have to show it to your insurer. The latter will be able to cancel it free of charge. In any case, you need to find out about the Schengen travel insurance policy you want to choose. Indeed, the policy must be accepted in the country of entry in the Schengen area you wish to go.
Tips on the Visa insurance for Europe
Before you take out any other travel insurance, you need to make sure that the insurance you now have covers all emergency medical expenses. If your insurance policy covers your medical expenses abroad, consider checking the limitations and restrictions of your travel insurance.
If you plan to travel by car to one of the Schengen countries but have a limited budget, it is recommended that you take out a travel insurance covering your luggage, including for theft, loss or car accident.
The risk of illness depends on the destination you chose. It varies with climate change. People with illnesses such as allergies are required to provide their medical records to their insurer. The record must include all your medical history. In case of chronic illness, it is advisable to take the necessary amount of medication with you.
What does the Schengen travel insurance policy cover?
The Schengen travel insurance policy must cover the costs related to the following situations:
- Accidents ;
- Illnesses ;
- Emergency evacuation ;
- Cancellation and interruption of travel ;
- Repatriation of corpse in the event of death ;
- Return of an under aged person ;
- Travel delays ;
- Theft or loss of personal belongings ;
- Delayed personal effects ;
- Compensation for accidental disability, injury and death ;
- Funeral expenses abroad ;
- Missed flight due to a schedule issue ;
- Plane hijacking ;
Usually, the travel insurance cover the costs associated with a pregnancy complication, especially during term one. Beyond that, coverage may vary depending on the insurer. If you have met all the Schengen visa requirements, you may purchase your medical insurance online on Mondialcare.eu and Visa-Schengen-Assurance.com.
Does travel insurance cover Schengen member states?
The answer is yes, travel insurance pays for all medical expenses in all Schengen countries:
What is generally not covered under the travel insurance policy?
Coverage may vary from a company to another. Some companies offer extended coverage. If your insurance company does not cover for additional costs, then you may buy additional insurance. It must cover the following costs:
- Extreme sports: scuba diving, skiing, etc. ;
- Chronic illness, diabetes, asthma, etc.;
- Pre-existing medical conditions: If you have a chronic illness, make sure you purchase a protection cover for any possible emergency situation;
- Travel to a high-risk country: acts of terrorism, war, etc.;
This type of complementary policy is interesting, uncommon in the market and is always quite expensive.
How do I find a cheap travel insurance to travel to Europe?
Looking for a cheap travel insurance is no an easy task. This is a difficult task that requires extensive research. It is recommended to compare offers and products between different Insurance companies. So you are sure to find the one with the most interesting offer. Be careful not to be seduced by too competitive rates. A low-cost insurance policy is not necessarily worse than an expensive insurance policy. To make sure you choose the right insurance policy, refer to the one that offers the most comprehensive coverage with clear wording.
Why choose Mondialcare.eu and Visa-Schengen-Assurance.com?
In terms of travel insurance, Mondialcare.eu and Visa-Schengen-Assurance.com offer approved insurance programmes throughout Europe. But not only that, these two companies meet all the requirements for obtaining the Schengen visa. Their offers are ideally intended for:
- Business travellers
- Individual or group visitors ;
Their main advantages? If your visa application has been denied, they will refund the money in full. But that’s not all, once your Schengen visa is granted, you can immediately download your insurance certificate and much more on their website. (dedicated online customer login to change travel date, to access your contracts, to use the website from smartphone available depending on your geolocation, on the doctor’s address, medical laboratory, medical imaging center, or nearby public or private hospital you can call directly.
Purchasing a travel insurance on Mondialcare.eu and Visa-Schengen-Assurance.com is ensuring a smooth trip to the Schengen area.
Which nationals are required to take out travel insurance for the Schengen visa?
In order to obtain a Schengen visa, foreign nationals are required to purchase travel insurance. These nationals are:
|AFRIQUE DU SUD||GHANA||OMAN|
|BAHREÏN||INDONÉSIE||RÉPUBLIQUE D’AFRIQUE CENTRALE|
|BANGLADESH||IRAK||RÉPUBLIQUE DÉMOCRATIQUE DU CONGO|
|BURUNDI||LAOS||SOUDAN DU SUD|
|CORÉE DU NORD||MALDIVES||TCHAD|
Buy your travel medical insurance from Mondialcare.eu and Visa-Schengen-Assurance.com to travel with peace of mind.
What is a traveler’s health insurance?
Travel health insurance covers medical expenses related to an accident, illness or injury that occurred during the trip to the Schengen area. Health insurance is required when travelling to a foreign country. However, it depends on the country you want to visit and its ability to cover for all your health expenses during your stay. In any case, most people should be insured especially for the elderly and those with chronic diseases. Travel insurance is even more mandatory if you are travelling to an underdeveloped country.
In addition to medical costs, travel insurance is useful in case of loss or theft of personal belongings during travel not only abroad, but also in your home country. Loss of personal belongings or last-minute flight cancellations are common situations. Because of these situations, your trip may turn into a nightmare. A Travel insurance will provide for a cancellation cover. Refund may be in part or in full. You should know that the travel insurance policy covers the number of days you spent in the Schengen area. Rates vary accordingly.
Are there any restrictions and limits?
As mentioned above, some insurance companies do not cover pre-existing conditions in foreign countries. If you have a confirmed medical condition prior to your departure, or you are undergoing a medical treatment and you need to travel to one of the Schengen countries, then your insurer will not cover the medical expenses in relation to this pre-existing or chronic condition. However, if it turns out that your condition is under control, a travel insurance shall therefore cover an unfortunate event that may occur during your trip to the Schengen area.
- Sports – Participation in extreme sports is excluded: skydiving, diving, etc.
- War – If you are travelling or visiting a war zone, the travel insurance policy may cancel coverage for war-related damage.
- Duration – Many insurance policies require longer coverage terms than your most common 60-day stay. Rates may vary accordingly.
- Injuries you inflict on yourself or suicide are not covered under the travel insurance policy.
- If you use illegal substances such as drugs, your medical expenses are not covered under the insurance policy.
When is a travel medical insurance not mandatory?
For some countries, the visa is not mandatory. As a result, nationals of these countries may choose whether or not to take out a travel medical insurance. However, you should take out this insurance if you want to travel to one of the Schengen countries. Purchase a competitively priced and fully comprehensive Schengen insurance on the Mondialcare.eu or Visa-Schengen-Assurance.com website.
Do I have to purchase an insurance with a EUR 0 deductible ?
You don’t necessarily have to take out travel insurance with a deductible of €0 because they are often much more expensive.