Travelling to Europe is a dream for many, and the Schengen Agreement has made it easier for tourists to explore multiple countries without dealing with the hassle of multiple visas. The Schengen area comprises 26 European countries, including popular destinations like France, Germany, Switzerland, and Greece. However, before you pack your bags, you must consider an essential aspect: Schengen travel insurance.
What is Schengen Travel Insurance?
Schengen travel insurance is a mandatory requirement for anyone travelling to the Schengen area. This insurance provides coverage for a range of unforeseen events that could disrupt your travel plans and cause financial loss. It is a critical safeguard for travellers, ensuring they are protected against medical emergencies, hospitalization expenses, accidents, lost or delayed baggage, misplaced passports, flight delays, cancellations, and even third-party damages.
Why Do You Need Schengen Travel Insurance?
While the primary reason for obtaining Schengen travel insurance is its mandatory nature, there are several other compelling reasons to secure this coverage:
1. Medical Emergencies
Imagine falling ill or getting injured while exploring historic European lanes and vibrant cafes. Schengen travel insurance covers the expenses of medical emergencies, ensuring you receive the necessary treatment without the burden of exorbitant medical bills.
2. Travel Disruptions
Unexpected events like flight delays, cancellations, or lost passports can derail travel plans. Schengen travel insurance reimburses you for these inconveniences, allowing you to continue your journey with minimal financial impact.
3. Protection for Loved Ones
If an emergency back home requires your immediate attention, Schengen travel insurance can cover the costs of an early return. Additionally, it offers financial protection against theft or damage to your home while you are away.
Benefits of Schengen Travel Insurance
Securing Schengen travel insurance offers several benefits, ensuring a worry-free travel experience:
1. Medical Cover
Future Generali and other insurers provide immediate financial assistance for medical emergencies, accidents, and even fatalities. The insurance also covers the costs of medical evacuation to India if necessary.
2. Baggage Cover
Suppose your baggage is delayed, lost, or stolen. In that case, Schengen travel insurance covers the costs of your personal belongings, allowing you to replace essential items and continue your trip without hassle.
3. Journey Cover
Travel insurance for a Schengen visa includes coverage for flight delays, cancellations, trip curtailments, and other disruptions. This ensures you are financially protected against any event that may derail your travel plans.
4. COVID-19 Cover
Given the ongoing threat of COVID-19, Schengen travel insurance provides coverage for medical expenses, trip cancellations, and refunds for bookings affected by the virus.
Types of Schengen Visas
Before purchasing international travel insurance for a Schengen visa, it is important to understand the types of visas available:
- Uniform Schengen Visa (USV)
- Type A Visa: This is a transit visa for travellers passing through a Schengen country by air, allowing a stay of up to 24 hours.
- Type C Visa: This is a short-term visa for stays of up to 90 days. It can be issued as a single-entry, double-entry, or multiple-entry visa.
- National Schengen Visa
This visa is for travellers intending to stay in a Schengen country for academic courses, professional work, or due to medical emergencies. It is suitable for international students, researchers, and professionals.
Documents Required for a Schengen Visa
To apply for a Schengen visa from India, you need to have the following documents ready:
- A duly filled and signed visa application form.
- Two recent passport-sized photographs with a light background.
- A valid Indian passport not older than 10 years, with at least three months’ validity from the intended travel date.
- Proof of accommodation during your stay.
- Schengen travel insurance covers at least 30,000 euros, including medical emergencies, accidents, and medical evacuations.
- Flight tickets and itinerary.
- A cover letter stating the purpose of your visit.
- Proof of civil status, such as a marriage certificate, birth certificate of children, and bank statements.
- Proof of financial means to support your stay.
- Proof of admission if you are an international student or a letter of employment for work purposes.
Choosing the Best Travel Insurance for Schengen Visa
When selecting travel insurance for your Schengen visa, consider the following factors:
- Comprehensive Coverage: Ensure the policy covers medical emergencies, travel disruptions, baggage loss, and COVID-19-related issues.
- Reputation of the Insurer: Opt for reputable insurers like Future Generali that offer reliable and extensive coverage.
- Cost: Compare the cost of different policies and choose one that offers the best value for your needs.
- Ease of Purchase: Many insurers offer the option to buy travel insurance online, making the process quick and convenient.
When to Apply for a Schengen Visa?
Once you’ve secured your travel insurance for a Schengen visa, whether offline or online, you’re ready to apply for the visa itself. It’s best to start your Schengen visa application process 30 to 60 days before your planned departure.
While the absolute deadline is 15 days before your trip, keep in mind that embassies or consulates can take anywhere from two weeks to two months to process your application. Planning ahead can save you a lot of last-minute stress!
Final Word
Travelling to Europe is an exciting adventure, but being prepared for any eventuality is essential. Schengen travel insurance provides the financial protection you need to enjoy your trip without worry. Whether it’s a medical emergency, a lost passport, or a flight cancellation, having the right insurance ensures you are covered.
Before you embark on your journey, make sure to secure comprehensive travel insurance for your Schengen visa. This will not only fulfil the mandatory requirement but also provide peace of mind, allowing you to fully enjoy your European adventure. Don’t wait until the last minute—buy travel insurance for a Schengen visa today and travel with confidence.
