Schengen Visa Insurance: What Every Traveler Must Know
Are you planning to visit Schengen countries but worried about unexpected health issues? Schengen visa insurance protects you in case of medical emergencies, hospitalisation, repatriation, or even death within the Schengen area. If you fall ill abroad and need treatment, then your travel insurance will cover it, not the host country.
The most common problem that visitors face is purchasing the wrong policy, Often it does not meet the minimum of €30,000, is not recognised by all 27 Schengen states, and furthermore, lacks essential coverages like medical repatriation. These tend to be expensive delays or even a flat refusal of visas.
At Holidays Experts, we make the process simple. We take you to the right Schengen visa travel insurance, ensure it is embassy-compliant, and give you peace of mind that your visa won’t be refused because of something as simple as a lack of insurance. Your European journey starts with confidence, not confusion, with Holidays Experts.
Choosing the Right Insurance Provider
Choosing the right Schengen visa insurance provider is just as important as preparing for the documents. However, a minor mistake can lead to the rejection of a Schengen visa application. Unfortunately, many travelers unknowingly fall into this trap by purchasing incorrect and cheap plans. The wrong choices can lead you to face unnecessary delays.
The Holidays Experts team provides end-to-end guidance on picking the right insurance policy that meets your travel needs. We ensure that your plan meets all the requirements set by the embassy, Moreover, it includes minimum coverage validity across all the Schengen countries, and the important documentation.
With our 24/7 expert support, you will never have to worry about making mistakes. Whether you need help clarifying policy details, checking documents, or handling emergencies. Our services are just a call away. By choosing Holidays Experts, you are not only buying insurance, you are also ensuring peace of mind for the entire Schengen journey.
Minimum Requirements For Schengen Visa Travel Insurance.
Before applying for a Schengen visa your travel insurance must meet the embassy’s standards set by the embassy. These requirements ensure that travelers are financially protected during their stay in Europe. Here’s what your policy needs to include.
- Minimum of €30,000 Coverage. The coverage must pay a minimum of €30,000 in medical expenses.
- Accepted Across the Entire 27 Schengen Countries. The insurance should be accepted throughout the whole of the Schengen states and not for individual countries.Moreover, it must meet the standard requirements set by all member nations to ensure smooth visa approval and hassle-free travel.
- Coverage Full Length Of Stay. Your insurance must still be valid for the entire duration of your trip. From the moment you arrive until the day you leave.
- Emergency Medical and Repatriation Costs. This policy must cover the emergency medical treatment, hospitalization, and repatriation should you need to be flown back.
- Embassy Approved Standards. The insurance should meet the Schengen visa requirements; otherwise, your visa will be denied.
Make sure to read them carefully while selecting your insurance provider.
What Schengen Visa Travel Insurance Must Include.
When traveling to Schengen Area nations, a comprehensive travel insurance policy is essential. Not only is it a requirement for obtaining a visa in most instances, but it will also cover you in the event of unexpected situations. Below are the most vital elements that your Schengen visa insurance must cover:
1. Emergency medical treatment.
2. Repatriation costs.
3. Hospitalisation and ambulance services.
4. Emergency dental coverage.
5. Lost passport and visa coverage.
6. Liability and accident coverage.
Top Companies That Provide Schengen Visa Insurance.
Here are the top 3 companies that provide Schengen visa insurance.
AXA Schengen Insurance.
AXA is the most popular Schengen visa insurance. They have various plans, Basic, Essential and Premium, all of which meet embassy requirements. Limits range from €30,000 for medical expenses up to €2 million, so AXA is a good option for budget travelers and those who want high coverage limits.
Europ Assistance.
Europ Assistance specializes in travel and medical protection tailored for Schengen visa applications. Their plans meet the €30,000 minimum requirement while offering extra benefits like emergency dental care and hospitalization. They are known for quick policy issuance and reliable customer service, Moreover, they are a convenient option for visa applicants.
Voyager Europa
Voyager Europa provides Schengen-compliant insurance with flexible cover levels. Travelers can choose between policies covering €1 million or €5 million in medical expenses, along with baggage, liability, and cancellation benefits. It’s a strong choice for those who want more than just the minimum requirement and prefer comprehensive protection.
Insurance cost
Below is a clear breakdown of what each company charges for Schengen travel insurance. Additionally, it highlights the coverage they provide to help you choose the best option.
AXA Schengen Insurance.
AXA has three types of Schengen area travel insurance schemes, all of which meet the requirements for a Schengen Visa.
But the one that’s right for you will depend on your trip.
Basic, from as little as €22/week. This policy covers medical expenses up to €30,000 within all Schengen countries and also covers you in the event of hospitalization and/or repatriation.This policy is best for those who need basic coverage and are traveling on a budget.
Essential, which costs €33/week, can pay €100,000 for several reimbursed expenses and to help in cases of lost baggage or documents, searches and rescue, etc. Essential has one extra: it turns out that of the 27 Schengen states which it covers, EU countries not in are also covered, and the countries of Andorra and Monaco, San Marino, Vatican City and the United Kingdom.
Annual, available from €349,9/year is ideal for those who plan to make a Schengen visa short stay travel often. It offers all the benefits of Essential, but not only that; you are also able to make multiple entries over the period of your stay inside Schengen visa and outside. This policy is for those who frequently travel.
Europ Assistance.
Basic Plan Cost: From €15 per month,Medical Coverage: €60,000 (no deductibles)
Extra Benefits:Student discounts available and Lower rates for longer durations
Extended Plan Cost: From €26 per month,Medical Coverage: €150,000 (no deductibles),Civil Liability: €80,000,Baggage Insurance included
Extra Benefits:Student discounts available and Lower rates for longer durations
Europ Assistance is a budget-friendly plan that gives you good medical coverage, civil-liability protection and baggage benefits for low-cost monthly plans. Its features position it as a dependable choice for Schengen visa applicants seeking to ensure embassy notice and further peace of mind.
Voyager Europa
Schengen visa insurance on two levels is being offered by Voyager Europa. Moreover, both of their plans are entirely approved for Schengen visa application. In addition, their policies are designed to give visitors live peace within the Schengen area. This protection is also price-worthy.
Tier 1-Essential Cover
- Emergency Medical Expenses: Up to £/€1 million
- Repatriation for Medical Reasons: Up to £/€1 million
- Personal Liability cover: Up to £/€1 million
- Cancellation or Curtailment: Up to £/€1,500
- Baggage Cover: Up to £/€350
- Excess: £/€85
Tier 2-Comprehensive Cover
- Emergency Medical Expenses: Up to £/€5 million
- Repatriation for Medical Reasons: Up to £/€5 million
- Personal Liability Cover: Up to £/€2 million
- Cancellation or Curtailment: Up to £/€3,000
- Baggage Cover: Up to £/€1,000
- Excess: £/€85-100
Both tiers provide Schengen visa-approved coverage. Tier 2 gives travelers who want complete peace of mind, especially during longer or high value trips, significantly more protection than Tier 1.
Final Thoughts
Schengen Visa Insurance is not only something you must have for your visa application, but it also covers you when you are traveling through Europe. The insurance insures you against unforeseen medical expenses, handles emergencies, and lets you enjoy yourself while on your trip.
Most visitors struggle to make the correct policy choice. As a result, the incorrect policy results in the application being rejected, delayed, or undercovered. Therefore, this highlights the importance of seeking professional guidance.
At Holidays Experts, we make the process easy. We assist you in acquiring proper travel insurance for your Schengen visa so that it meets all the embassy requirements and you can have confidence that your visa application is solid and complete. It’s not insurance; it’s your peace of mind and hassle-free start to your European journey.
Frequently Asked Questions
Q1. What’s included in schengen visa travel insurance?
The policy has an impact on trip cancellation, emergency medical care, lost luggage, personal liability, and important documents such as passports or visas.
Q2. Does it cover health issues you already have?
Most policies won’t pay out to treat existing health problems unless you agree to it, and it’s written in your policy.
Q3. How much medical coverage do you get?
You’ll receive up to £20,000,000 for emergency medical care. This covers hospital treatment, getting you back home, and urgent dental work.
Q4. Will insurance protect my luggage if someone takes it or it goes missing?
Yes, insurance covers bags up to £1,000. Just remember, pricey items have a £200 limit each. Also, the policy might not pay if you don’t keep an eye on your stuff.
Q5. Can I get a refund if I choose to drop my insurance?
Yes, you have the chance to cancel within 14 days after you buy the policy (they call this the cooling-off period). You’ll get all your cash back as long as you haven’t started your trip or filed any claims.