Planning a trip to Europe? If you’re visiting countries in the Schengen Area, you’ll need to secure travel insurance as part of your visa application process.
To help you navigate this crucial step, we’ve compiled five essential tips for buying Schengen visa travel insurance.
1. Understand the Requirements
Before purchasing travel insurance for your Schengen visa, it’s vital to familiarize yourself with the specific requirements.
Travel insurance for a Schengen visa must meet the following:
- Minimum medical coverage of EUR 30,000
- Valid throughout the entire Schengen area
- Coverage for emergency medical expenses and repatriation
- Valid for entirety of your trip
Your travel insurance policy must meet these requirements in order to obtain a Schengen visa.
2. Choose the Right Coverage Duration
Your insurance policy must cover your entire stay in the Schengen Area. It’s important to choose the right coverage duration when securing your policy.
Here’s what to keep in mind:
- Match the policy dates to your planned travel dates
- Be sure to include the days you arrive and depart from the Schengen area
- If traveling in multiple countries within the Schengen area, make sure your policy covers the dates of all destinations
The right coverage duration is not only necessary for your visa application, but will also ensure that you are covered the entire time you are away from home.
3. Compare Plans
When choosing a Schengen visa travel insurance, you will have multiple options. Different plans will offer different benefits and pricing, so it’s important to compare options to find a policy that fits your needs, your budget, and meets the Schengen visa requirements.
Here are some important things to consider when comparing plans:
- Medical coverage amounts and policy maximum
- Benefits offered
- Deductible amounts
- Exclusions and limitations
VisitorsCoverage offers a user-friendly platform to compare various Schengen visa insurance plans, helping you find the best fit for your needs and budget.
4. Read the Fine Print
Before purchasing any insurance policy, it’s crucial to understand exactly what you’re getting. Reading a policy’s fine print will help you better understand what is covered and what isn’t under your insurance policy.
Be sure to pay attention to any possible exclusions and limitations, pre-existing condition clauses, and any requirements when it comes to using your policy such as pre-certification and the claims process.
If anything is unclear, don’t hesitate to reach out to the insurance provider or VisitorsCoverage’s Customer Success Team for clarification.
5. Purchase Early
Buying your travel insurance well in advance of your trip offers several advantages:
- Peace of mind knowing you’re covered
- More time to address any issues or make changes if needed
- Access to some benefits which may be time-sensitive
- Ample time for your Schengen visa application to be approved before your trip
Aim to purchase your insurance as soon as you’ve finalized your travel dates and are ready to file your Schengen visa application.
Common Mistakes to Avoid
When purchasing Schengen visa travel insurance, be wary of these pitfalls:
- Choosing the cheapest option without considering coverage
- Misunderstanding policy terms and conditions
- Forgetting to carry proof of insurance while traveling
- Purchasing from a provider that isn’t reliable or reputable
When you purchase a Schengen visa travel insurance, make sure that it meets Schengen visa requirements, that it includes the coverage you want for your trip, and that you choose a reputable travel insurance provider with excellent customer service to help you every step of the way.
How VisitorsCoverage Can Help
At VisitorsCoverage, we understand the importance of finding the right Schengen visa travel insurance. We offer:
- Travel insurance policies that meet the Schengen Visa travel insurance requirements.
- Instant purchase, completely online
- Affordable coverage
- A-rated travel insurance plans
- No paperwork necessary
- Get covered in less than 10 minutes
- Instant downloadable proof of insurance letter for your Schengen visa application
Remember, the right travel insurance isn’t just a visa requirement – it’s an essential part of smart, responsible travel. Stay protected, and enjoy your European adventure with confidence!
Still have questions? Reach out to our Customer Success Team for friendly assistance.
