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Your Comprehensive Guide to Schengen Travel Insurance Shutterstock

Your Comprehensive Guide to Schengen Travel Insurance

Written by  The Dubrovnik Times Jan 12, 2022

Schengen refers to the passport-free area in Europe that consists of 26 countries. These countries allow people to travel freely within their boundaries using a standard visa policy. And with the world’s most beautiful countries nested in one continent, travelling to Europe makes for an exciting and memorable adventure.

Consisting of the most breathtaking landscapes and monuments, it attracts more than 500 million tourists every year from around the world. So, while visiting Europe, you should be able to handle all your medical expenses in case of an unfortunate accident. And to take care of these unexpected events that may arise due to travelling, Schengen travel insurance can provide financial support and comfort to continue your travel journey without any worries.

Is It Mandatory?

Schengen travel insurance is a must while travelling to Europe if you want to apply for a Schengen visa, as per the European Parliament and of the Council of 13 July 2009. No matter where you travel from, you must have travel insurance of 30,000 euros to apply for the Schengen visa. And it should cover all the member states of the Schengen area.

Schengen travel insurance generally covers you from unexpected healthcare and travel-related emergencies such as accidents, passport loss, etc.

Why Buy Schengen Travel Insurance?

A standard health insurance policy may cover international emergency expenses; however, they are covered only up to a specific limit. So, it is in your best interest to buy the Schengen travel insurance policy for the days planned to spend in Europe from a trusted insurance company.

Benefits Of Schengen Travel Insurance

Regardless of your travel purpose, Schengen travel insurance will help you travel carefree during your entire trip. Following are some of the benefits covered:-

  • Carefree travel

Having Schengen travel insurance can help you have a smooth travelling experience to Europe without worrying about any mishaps or travel interruptions.

  • Cover for Medical Emergency

Schengen travel insurance provides you coverage against any medical and healthcare emergencies during your travel.

  • Cashless Claim Settlement

You may have to take extra money out of your pocket in case of an emergency in a foreign land. Having a cashless claim facility can be a significant relief to your pocket.

  • Multi-Trip Policy

If you frequently travel to European countries, you can opt for a multi-year policy, which allows you to travel hassle-free every time.

  • Region Specific Plans

Schengen travel insurances allow you to customize your international travel to meet your specific travel needs.

What Is Covered under Schengen Travel Insurance?

Most Schengen travel insurances come with comprehensive and wide coverage travel insurance policies that cover many things. Some of them are:-

  • Emergency Hospitalization

With Schengen travel insurance, you can get up to 100% sum insured in case of any medical emergencies during your trip.

  • Pre-existing Diseases

Schengen travel insurance also covers pre-existing medical conditions for senior citizens travelling to European countries. It also covers the life-threatening condition of pre-existing illnesses.

  • Covid-19 Coverage

With the constant risk of coronavirus infection throughout the world, most Schengen travel insurances provide coverage for covid treatment across Schengen countries.

  • Treatment in Home Country

In case you require further treatment in your home country, there is coverage for expenses up to 30 days or the policy end date, whichever is earlier.

  • Medical Evacuation

Schengen travel insurance provides coverage for complex surgeries or emergencies if you need medical evacuation to your home country.

What Is the Cost Of Schengen Travel Insurance?

The minimum sum insured under the Schengen travel insurance should be at least 30,000 euros. Depending on the insurance company, it may vary. You can consider the Schengen Travel Insurance offered by Care Health Insurance, which is affordable and budget-friendly.


For a smooth travelling experience to Europe, Schengen travel insurance is essential. You can consider Care Health Insurance that offers wide-coverage travel insurance to the Schengen area that safeguards students, business travellers, senior citizens from any mishap on foreign land. It covers all the medical and non-medical expenses during your visit, allowing you to travel without any worries. So, pack your bags with Schengen travel insurance and get ready to explore European beauty.


The Voice of Dubrovnik


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