If you need to apply for a Schengen visa, you must have dummy travel insurance for visa. If you don’t have a legal insurance policy, the Embassy or the visa officer will automatically turn down your visa application.
If you don’t need a visa to travel to the Schengen Area, on the other hand, you don’t have to get travel insurance, but it’s still a good idea if you apply for one to remain on the safer side!
Schengen Visa Insurance Requirements
It is what the Schengen visa travel insurance plan needs to do:
- It should cover at least €30,000 in hospital bills and evacuation costs in an emergency
- It should be good in all 27 Schengen Zone countries
- It needs to be suitable for the whole time you are in Europe
Important Guidelines About Schengen Travel Insurance
There are some other important queries that people search regarding travel insurance. They are as follows:
How Much Does Travel Insurance For Medical Care In The Schengen Area Cost?
Schengen travel insurance might only cost €1 per day per person. Most of the time, Schengen insurance is not too expensive compared to the cost of the whole trip. Depending on the policy, you usually pay between €20 and €50 for a one-week trip.
Three Main Things Determine How Much Your Trip Insurance Costs:
- Your age.
- The cost of the insurance plan goes up as you get older. For instance, older people (especially those over 60) must pay more for the same insurance plan than younger people.
- How long will your trip be?
Usually, insurance companies figure out how much the policy will cost daily. So, your cover price will go up the longer you plan to stay in Schengen.
The highest amount of coverage. No matter which insurance company you go with, you usually have two or three plans to choose from. So, the basic plan that covers up to €30,000 in health care costs will be cheaper than the one that covers up to €100,000 or more.
Where Can I Get Insurance For My Trip With A Schengen Visa?
Here are the places where you can purchase your travel insurance package:
- Through online sources of travel insurance
- With the help of your tour agent
- Through a local travel insurance company that Schengen approves
What Should The Travel Insurance Plan For Schengen Cover?
Make sure that your travel insurance plan covers the following:
- The cost of medical care. It includes medical care both in and out of the hospital.
- Visiting the doctor
- Hospitalisation
- Surgery
- Drugs that need a prescription
- Emergency dental care
- Cost of going home or getting out of trouble. If you get very sick or hurt badly enough that you need medical care from your home country, travel insurance will pay for you to be sent back. It also takes care of getting people back home if they die
- It is all basic insurance needed to cover a visa application. But some insurance companies also offer more coverage, like insurance for your trip or liability insurance
Apart from the proof of travel insurance, below mentioned documents are mandatory to be submitted for Schengen visa processing:
- Legal Passport
- Recent Passport Photographs
- Visa Application form and payment receipt
- Cover Letter
- Dummy itinerary
- Proof of accommodation
- NOC Letter and
- Proof of sufficient funds
We advise the applicants to book the supporting documents like flight itinerary for visa, dummy travel insurance for the visa, and proof of accommodation in advance. It saves time and money. Also, as you will have plenty of time, you can book these documents calmly and choose good options for your travel plan.
