When travelling to Europe or to any other countries in the world, one has to keep in mind that numerous unexpected costs might pop up, therefore, we have the concept of travel insurance policy.
Travel medical insurance for Europe is recommended for all travelers visiting Europe for vacation, business, stuyding, and other purposes.
Schengen Visa Insurance is a must
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” (…)
What is travel health insurance?
The concept of travel health insurance relates to covering up medical expenses in case an injury or unexpected sickness arises during one’s trip. In case you are wondering if one needs health insurance when travelling to a foreign country depends deeply on the desired destination as well as the ability to personally cover any health care needs during the stay out in the certain foreign country.
However, travel insurance is a must for most people, especially the elderly, people who have predetermined medical conditions and are bound to constant therapy or most importantly if the traveler’s destination happens to be an underdeveloped region.
Apart from medical expenses, travel insurance is destined to cover different losses suffered during the trip, including one’s own country as well as internationally. Unexpected happenings like lost luggage, cancellation of your flight at the last moment, travel agency or accommodation bankruptcy will most definitely ruin your trip. Therefore, travel insurance policy is designed to provide also cancellation insurance by means of full or partial refund.
Whether you are travelling once or several times during a short period of time, the 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.
Who must purchase Schengen Travel Insurance for Europe?
Anyone travelling temporarily to Europe from a country that is subject to visa requirements, be it an individual visitors or group visitors, tourists, or business travelers.
The Schengen VISA Insurance policy can be purchased either online here or conventionally depending on the chosen company.
Who provides Schengen Travel Insurance?
First and foremost, the health insurance policy that one already possesses through the employment contract might cover international medical emergency expenses. However, there are usually limitations to this offer, therefore one shall be well aware of what to expect and what not to expect when having a medical issue in a Schengen territory.
Usually, travelers purchase an individual Schengen travel insurance policy for the days planned to spend in Europe (Schengen Area) at the rightful insurance/travel agency. Make sure the company you choose is licensed and accepted in the Schengen country you are planning to travel to. We recommend Mawista VISUM – It is very cheap and it is accepted by European Embassies and also you can cancel it for free of charge, subject to presentation of proof that a visa has been refused!
Helpful Tips about Europe Visa Insurance
As aforementioned, before purchasing another travel insurance policy for your upcoming travel to Europe make sure that the one you already have doesn’t cover or alleviate any international medical emergency costs.