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Here’s How to Find Perfect Travel Insurance for Schengen Trip

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If you are planning to travel to a Schengen country, it is necessary to buy a travel insurance that is ideally suited to safeguard you in that part of the world.As per the rules it is compulsory for every visitor to the Schengen territory to buy travel insurance for Schengen.It would be best to look out for a travel insurance plan designed especially for travel to the Schengen countries and complies with the legal travel advisories specified for that region. You can check out HDFC ERGO’s Schengen visa insurance policy which can secure your trip against any unforeseen events.

Tips for Finding Best Travel Insurance For Schengen Trip

1. Should Have a Medical Emergency Cover

Medical cover is a vital and significant component of your travel insurance policy. Check that the travel insurance policy provides adequate cover for medical emergency expenses you may face due to an accident or falling ill. 30,000 Euros is the minimum emergency medical cover for Schengen travel insurance, including repatriation costs.

2. Should Cover the Entire Schengen Area

The travel insurance you purchase should be valid across all the 26 countries falling in the designated Schengen Area to ensure that you are covered no matter which of these countries you travel to or are included in your Schengen trip itinerary. If the travel insurance policy covers all these Schengen countries, it will qualify as Schengen travel insurance.

3. Should Cover Delay or Loss of Checked Baggage

Suppose your checked-in baggage is delayed by the airlines for more than 6 hours or gets altogether lost. In that case, your Schengen travel insurance policy should be able to reimburse for emergency purchases of essential items such as clothes, toiletries, etc.

4. Should Include Trip Cancellation

There are certain situation that arises during the trip is beyond our control. For example, suppose you cannot go on the trip and need to cancel after all bookings are done or need to cut your trip short. In that case, the Schengen travel insurance you buy should be able to cover you for the financial loss by reimbursing the cost of non-refundable flight tickets and pre-booked hotel accommodation.

5. Should Cover Loss of Important Travel Documents

Losing your essential travel documents, such as your passport, could lead to a lot of inconvenience and hassle due to theft. Your Schengen travel insurance should be able to cover you in case of such an incident by reimbursing the cost of re-issuing and replacing the lost documents.

6. Check for Single Trip vs Multi-Trip Travel Insurance

Suppose you happen to travel regularly to the Schengen area for business or leisure. In that case, you can opt for a multi-trip Schengen travel insurance plan that can give you better benefits, including savings on your policy premium. The Schengen Visa insurance policy should also cover you in the event of unexpected trip delays and third party personal liability.

Conclusion

If you consider the tips mentioned above, you can buy the best travel insurance policy for the Schengen trip. Schengen visa insurance must be purchased from India before you fly out of the country. You can check out travel insurance plans online and check out coverages offered for travelling to Schengen countries. Then, choose a travel insurance policy that meets your traveller type and destination.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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