Why do you need medical insurance for Schengen Visa?
When planning to travel through Europe, you must ensure to be adequately covered to overcome any unforeseen events. For this reason, on account of your comfort and safety, it is always recommended to buy travel insurance. Only in this way, you can receive financial and medical support so to enjoy your travel without worries.
In line with the European Regulation, applicants from non-EU countries must have insurance for Schengen Visa. Your policy must cover any urgent medical attention you may need while in Europe.
If you are traveling as a member of a group, you need to have your individual Schengen Visa insurance. Business travellers may already possess one policy through their employment contract.
Schengen Visa Insurance requirements
When you apply for a visa to travel to Europe, you must submit a copy of your policy along with your Schengen Visa form. If you fail to prove that you have existing insurance or if your minimum coverage is not enough, your request will automatically be rejected.
Before you purchase your medical insurance for Schengen Visa, you must choose one that meets the following criteria:
- A minimum coverage of €30,000. However, if you plan to take part in sports events or engage in similar activities, it is advisable to get some add-ons to be fully covered;
- The policy should cover all member states of the Schengen Area, or at the least the ones where you are allowed to travel.
- Your insurance must cover the entire period of your stay or transit in the Schengen Area;
- Your policy must cover several health expenses, such as repatriation for medical reasons.
If you are an EU or EEA national, you do not need a visa nor travel insurance to cross the Schengen Area borders. However, it is recommended to get health insurance to cover at least urgent medical issues.
Where to buy medical insurance for Schengen Visa
You can purchase your Schengen Visa insurance plan either online or from a travel agency. Several companies offer specific policies that already cover the Schengen Visa insurance requirements. However, you may also wish to add a range of extra benefits, such as cover for lost luggage or delayed departure.
Before you purchase your policy, you must make sure that EU embassies accept the provider of your choice. Most importantly, you must have the necessary level of insurance to protect you in the event of misfortunes.
What should your travel insurance for Schengen Visa cover?
When traveling, it is essential to get the appropriate level of cover in the event of accident or medical emergency. However, if you want to enter Europe, purchasing travel insurance for Schengen Visa is mandatory.
According to the Regulation (EC) No 810/2009 of the European Parliament and of the Council of 13 July 2009, your policy should cover the following:
- Medical emergencies, including sickness;
- Repatriation of remains in the event of death;
- Emergency evacuation;
- Accidental injuries;
- Return of a minor;
- Overseas funeral expenses.
It is worth noting that, generally, travel insurances do not cover pre-existing conditions, such as diabetes or asthma. In these cases, it is advisable to speak to your doctor and to choose a policy that can suit you the best.
If you want to enjoy your journey without worries, you can purchase a Europe travel insurance policy. These packages are designed for Schengen Visa travellers, and usually, also cover the following:
- Trip cancellation or interruption;
- Lost, stolen or damaged baggage;
- Delayed baggage;
- Flight connection missed due to weather or to airline schedule crash;
- Pregnancy-related expenses, if you travel during your first trimester.
If you are planning to engage in risky activities or to enter an endangered country, you may need to purchase a dedicated policy.
How to get travel insurance for Schengen Visa from the UK?
Even though the UK is an EU state member, it is not part of the Schengen Area. In other words, the UK operates the Common Travel Area border control with other EU and Schengen member countries.
British citizen can enter and remain in the Schengen Area without applying for a visa. However, if you are a UK resident but not an EU citizen, you may need to apply for a Schengen Visa. Subsequently, you will need travel insurance.
To be eligible, you must reside in the UK, Northern Ireland, Channel Islands, or the Isle of Man. You also need to be registered with a GP.
If you are in the UK for working or studying purposes, but you are not a permanent resident, you need to purchase your policy from your home country.
Need help with your Schengen Visa insurance?
Nowadays, travel insurance is a must for most travellers, who wish to feel safe in case of unexpected circumstances that may arise during one’s trip. Unforeseen events, such as sickness, medical emergencies, and even lost luggage, can ruin your trip.
Whether your reason for travelling, to enter the Schengen Area you must purchase a travel insurance policy. This is also one of the mandatory requirements to submit your application. However, to be eligible, your plan must meet specific criteria.
If you want to plan your trip to Europe less stressfully, one of our advisers will be happy to help you with your Schengen Visa application.
As part of our bespoke service, we can advise you on the best travel insurance for Schengen Visa for your needs. Your immigration expert will also prepare the additional support documentation that you will need for your application.
Get in touch today to learn more about our services and to start planning your perfect trip.