Your Comprehensive Guide to Schengen Travel Insurance

Your Comprehensive Guide to Schengen Travel Insurance
Written by Publishing Team

Schengen refers to the passport-free zone of Europe which consists of 26 countries. These countries allow people to travel freely within their borders using the standard visa policy. With the world’s most beautiful countries on one continent, traveling to Europe is an exciting and unforgettable adventure.

Consisting of the most scenic landscapes and monuments, it attracts more than 500 million tourists every year from all over the world. Therefore, while visiting Europe, you should be able to bear all your medical expenses in case of an unfortunate accident. And to pay attention to these unexpected events that may arise due to travel, Can provide Schengen travel insurance Financial support and comfort to continue your travel journey without any worries.

Is it mandatory?

Schengen travel insurance is a must while traveling to Europe if you want to apply for a Schengen visa, according to European Parliament and Council of July 13, 2009. No matter where you are traveling from, you must have travel insurance of €30,000 to apply for a Schengen visa. It must cover all member states of the Schengen area.

Schengen travel insurance generally covers unexpected health care and travel related emergencies such as accidents, loss of passport, etc.

Why buy Schengen travel insurance?

A standard health insurance policy may cover international emergency expenses; However, it is covered up to a certain limit only. Therefore, it is in your best interest to purchase a Schengen travel insurance policy for the days planned to spend in Europe from a reliable insurance company.

Schengen travel insurance benefits

Regardless of the purpose of travel, Schengen travel insurance will help you to travel without worries during your entire trip. Here are some of the covered benefits:-

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

  • Medical emergency coverage

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

  • Settlement of non-cash claims

You may have to withdraw extra money from your pocket in case of an emergency in a foreign land. Having a cashless claim facility can be a huge relief for your pocket.

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

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

What does Schengen travel insurance cover?

Most Schengen travel insurances come with comprehensive and extensive travel insurance policies that cover many things. Among them are:-

  • Emergency hospitalization

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

Schengen travel insurance also covers pre-existing medical conditions for elderly people traveling to European countries. It also covers life-threatening condition of pre-existing diseases.

With the constant risk of contracting coronavirus worldwide, most Schengen travel insurances provide coverage for COVID treatment throughout the Schengen countries.

  • home treatment

In case you need further treatment in your country, there is coverage for expenses up to 30 days or the policy expiry date, whichever comes first.

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

What is the cost of Schengen travel insurance?

The minimum sum insured under the Schengen travel insurance must not be less than 30,000 euros. Depending on the insurance company, it may vary. You can consider Schengen travel insurance offered by Care Health Insurance, which is affordable and budget friendly.


For a smooth travel experience to Europe, Schengen travel insurance is a must. You can consider healthcare insurance which offers extensive travel insurance for the Schengen area that protects students, business travelers and seniors from any mishap on foreign soil. It covers all 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.


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