If you are traveling to any of the 26 countries, you need to purchase a verifiable Schengen Visa Medical Insurance and show at the time of visa application, before a visa is granted:
Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.
What To Look For In A Schengen Visa Medical Insurance?
Not all travel insurance is created equal. Make sure you read the fine print of your policy. I can only tell you what we look for and you will have to decide for yourself. We look for travel insurance:
- Has sufficient coverage to pay for any medical expenses. Typically at least 100.000 USD, preferably more.
- Covers both injury and sudden illness
- Will cover emergency evacuation and care, so if I get injured on a trek in the jungle, it will cover the expenses to get me to the hospital.
- Will pay for transportation back home to my own country if necessary
- Includes the activities that I enjoy. If you think you might do a scuba diving course then make sure your insurance covers you for that. Sometimes you need to purchase extra coverage for more extreme activities like kitesurfing or horseback riding.
- Covers the countries I want to visit. Make sure your insurance covers you in high-cost countries like Japan and the US if you are traveling there.
- Can be extended while traveling if my travel plans change
- Covers my most important valuables should they get lost or stolen
- Has a twenty-four-hour emergency contact number I can call to get help
- Cover cancellations if myself or a family member get sick and we can’t travel after all
- Covers any political unrest or emergency situations that may result in the trip getting cut short
- Claims can be filed online
- Is reasonably priced
Is Schengen Visa Medical Insurance Expensive?
The price can vary depending on your age, medical history, where you are going, how long you will be traveling for, and what you planning to do during your trip. Activities like hiking in Nepal, which is considered a high-risk activity with potentially enormous costs for medical evacuation, will for instance often add a bit to the price of insurance.
But on average, for regular travel insurance, we are just talking a few dollars per day. Less than you spend on a smoothie, a coffee at Starbucks, or a beer!
Why Buy Schengen Visa Medical Insurance?
Schengen Visa Medical Insurance is peace of mind knowing that if the applicant gets sick, he does not run the risk of potentially running up huge medical bills and that there will be someone there to pick up the tab if he gets unlucky and need to go to the hospital.
It means that the applicant can do the activities that I love like skiing, surfing, diving, and kitesurfing without worrying about the financial consequences of an accident.
What is travel health insurance?
The concept of travel health insurance relates to cover your medical expenses in case of an injury or unexpected sickness arises during your trip. In case you are wondering if you need health insurance when traveling to a foreign country depends on the desired destination as well as the ability to personally cover any health care needs during the stay out in a certain foreign country.
However, travel insurance is a must for most people, especially the elderly, people who have predetermined medical conditions and are bound to constant therapy or most importantly if the traveler’s destination happens to be an underdeveloped region.
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