Which travel insurance is the best for a Schengen visa?

Planning a trip to Europe and thinking, “Do you need travel insurance for Schengen visa’? The answer is yes, you do, as travel insurance is most likely the one non-negotiable need you have encountered. It's not only a formality; your visa application depends on this insurance, which also guarantees your peace of mind throughout travel. But with so many options out there, figuring out which travel insurance is actually the best for a Schengen visa can feel pretty overwhelming.

In this blog, we will outline exactly what you need to know in order to choose the right travel insurance. Whether you’re travelling for a few days or several weeks, knowing which travel insurance is best for Schengen visa, and comparing top providers will save you time and stress.

What are the Schengen visa travel insurance requirements?

One of the most important topics you will hear about if you are considering a trip to Europe and require travel insurance for Schengen visa. What are the prerequisites for obtaining a Schengen visa, and why are they so crucial?

Let's put it in plain language.

●        To begin with, travel insurance for Schengen visas is not merely a luxury; it is a need. If you have any sort of medical emergency while travelling in the Schengen Area, the insurance will cover it. After all, medical fees can quickly mount up if you get sick or have an accident overseas, and insurance helps shield you from those unforeseen expenses.

●      What must the insurance cover, then? A minimum coverage of 30,000 euros (approximately $33,000) for medical expenses is the regulatory requirement. The policy covers medical movables, hospital stays, and emergency medical evacuations in case you need to be transferred to a specialized medical facility or returned to your home country.

●        An additional important point is that the insurance must last the whole time you are travelling. This implies that you must have complete coverage from the time you enter the Schengen Area until you depart. It should also be valid in all Schengen countries, so if you plan to visit more than one, check that your insurance covers them all.

Note – Not everyone is compelled to carry travel health insurance, although it is a worthwhile investment for all visitors to Europe. Only tourists who are applying for a Schengen visa must have health insurance. Regardless of whether travellers come to Europe for business, pleasure, education, vacation, or another purpose, this group must always have sufficient coverage for the duration of their trip.

Key features of the Schengen travel insurance plan

Travel insurance for Schengen visas comes packed with several essential features.

Here are some of the highlights:

●        Schengen visa compliance – The plan offers minimal coverage of €30,000 for medical extremities, including hospitalisation, critical medical attention, and extradition, and complies with the conditions of the Schengen visa. This ensures a flawless and trouble-free visa operation process.

●      Comprehensive medical coverage – The policy covers hospital stays, traditional medicine costs, and medical expenses if you fall ill or have an accident during your trip. It also protects you from unexpected medical costs abroad by covering medical transport and the return of remains in case of death.

●        Travel inconvenience benefits – Disruptions to travel can be distressing. This plan provides coverage for missed connections, flight delays, and trip cancellations, paying for non-refundable prices, and additional expenses brought on by such unanticipated circumstances.

●        COVID-19 coverage – The plan also covers COVID-19-related medical costs in the current global context, protecting you from pandemic-related health problems when travelling.

●        Quick and easy claim process – With Zurich Kotak Travel Insurance, you can be ensured and guaranteed a simple procedure with prompt verification and settlement in the event that you need to make a claim, reducing stress during trying circumstances.

How to choose the right insurance based on your trip type

While it's thrilling to plan a trip, knowing which travel insurance is suitable for Schengen visa can be inviting, let's face it. How can you choose a plan or content that truly suits your holiday when there are so many options available? Fortunately, it does not have to be delicate.

Following guide will assist you in selecting the best travel insurance for Schengen visa

●        Family travel insurance plan – Are you and your loved ones travelling? Be aware that family members who are insured under a family travel insurance policy are covered by the policy. It is not only convenient and cost-effective, but it also ensures the safety of every traveller, regardless of age. 

●        Single-trip insurance plan – Single Trip Travel Insurance is your best option if you only travel once or twice a year. Benefits including medical costs, trip cancellations, and more are covered for a single trip. It's perfect for both work and vacation travellers.

●        Annual multi-trip insurance plan – A yearly multi-trip policy saves time and money for frequent travellers. You are protected for a number of excursions throughout the year rather than purchasing insurance for every trip. This is a practical and economical choice if you're constantly on the run.

●        Student travel insurance plan – Although studying overseas is a thrilling experience, there are risks involved. The purpose of student travel insurance is to safeguard students against medical crises, passport loss, disruptions to their studies, and even sponsor protection. Anyone going abroad for studies needs to have it.

●        Business travel insurance plan – Travelling for a business trip? Any setbacks along the way, such as missed flights, misplaced business equipment, or medical emergencies, are covered by business travel insurance. Certain plans even cover trip cancellations brought on by job obligations.

●        Group travel insurance plan – This coverage protects everyone under a single plan, whether you travel in a group for a wedding, business function, or vacation with friends. Compared to individual coverage, it is frequently more economical and easy.

Final thoughts

Do you need travel insurance for Schengen visa? Yes, you do, because purchasing travel insurance for a Schengen visa is more than just checking a box; it's an essential component of your trip preparation that guarantees you will fulfil visa requirements and shields you from unforeseen medical expenses while in Europe.

In the end, having the best travel insurance for Schengen visa gives you peace of mind so you can concentrate on having fun on your European vacation rather than worrying about potential problems. So go ahead and arrange your insurance and enjoy a worry-free vacation!