Travel within the Schengen zone conjures up images of pure joy and freedom of movement. Despite this, multiple countries still require overseas tourists to have insurance policies. Although visa-free travel has made an insurance package less mandatory for crossing the border in many states, is it worth neglecting it?
For some globetrotters, purchasing travel protection seems financially draining, as it is predominantly focused on hypothetical situations. Nevertheless, it is possible to insure yourself against such unforeseen circumstances as flight delays or cancellations, loss of luggage or documents, and other potential mishaps.
Let’s take a closer look at what to expect when obtaining your Schengen travel cover.
Things to Keep in Mind
Going without insurance while traveling within 29 countries of the Schengen space can cost a pretty penny. For example, in Norway, a visit to a family doctor for uninsured individuals can cost around €20, and a visit to a specialist in the Czech Republic may be priced at €30. In Germany, a day’s hospital stay can amount to approximately €125, while calling an ambulance in Switzerland can drive expenses up to €800.
If you are keen on doing sports or active recreation during your journey, you are strongly advised to select the appropriate travel insurance for all Schengen countries. Otherwise, in the event of a serious injury or incident, the insurance company may refuse to compensate for damage.
It is worth noting that the price of insurance can vary based on the type of sport and activity you will be doing. Swimming experience in Greece, for instance, will be cheaper than skiing in the Alps. In addition, extreme activities such as mountaineering or parachuting will incur higher insurance costs.
Since 2020, Schengen tourists should also consider the risks associated with COVID-19. This may encompass treatment, additional testing, or even quarantine in the host country. COVID-19-related risks should also be included in the policy.
Keep in mind that to obtain a Schengen visa, you need to be insured in place before your travel. This way, you will manage your security without drowning in uncertainties.
Cases to Be Insured Against
Europe positions itself as a territory of freedom and tranquility. However, practice shows that there are dangers for tourists in the Old World too. Here are some scenarios to consider:
- Austria and Switzerland are renowned for their ski resorts, so double-check coverage for winter sports in your tourist insurance policy.
- Italy and Spain are traditionally considered popular spots for gastronomic tourism. If you have chronic diseases of the digestive tract, make sure that the insurance covers the costs of stopping exacerbation symptoms.
- Germany attracts visitors year-round, especially in the fall, when Oktoberfest is held. To receive medical assistance due to intoxication, specify this requirement in the policy.
- Greece is famous for its nature, with rare species of flowers and trees growing there. To walk around the ancient ruins fearlessly, take out insurance against acute allergies.
- France often suffers from floods and floods. The large-scale natural disaster in 2016 once again reminded us of the relevance of insurance against natural cataclysms.
These are some examples of possible mishaps that await tourists while enjoying the beauties of the Schengen area.
Nuances to Be Wary Of
Schengen insurance has long been coupled with subtleties that are to be wary of when picking out your travel insurance.
- In some Schengen embassies, only original travel insurance papers are required to issue a visa. In others, such a rule simply doesn’t exist. It is advised to re-check it on the embassy website of your destination.
- As well, you might encounter the following quote: “The validity period of the insurance must exceed the number of days of stay by 15 days.” This rule exists, but you don’t need to worry too much about it. When applying for a travel policy, you must enter only the actual dates of your trip, and an extra half-month will be assigned to you automatically.
- Some embassies have turned into digitalized spaces, staying away from outdated ink-and-paper options. The reality is that a vast majority of Schengen embassies and consulates accept digitally issued insurance certificates for visa applications, provided the policy meets the required criteria. For that purpose, most trustworthy insurance companies offer policies that will suit most diplomatic offices.
- There is a popular belief that long-term insurance, such as coverage for multiple trips, is a crucial factor for obtaining a multiple-entry visa. In any case, long-term insurance issued by a reliable provider will certainly be a factor that matters greatly in the visa application process.
By keeping these details in mind, you can travel with greater serenity of mind while exploring the beauty of the Schengen zone.
The Bottom Line
Ultimately, traveling to the Schengen area provides a vibrant and seamless experience no matter what destination you choose. To explore its wonders, we recommend purchasing your optimal insurance package to feel sheltered and secure during your stay.
