How to Purchase Travel Insurance for European/Schengen Countries?
If you are planning a trip to a European country or to a Schengen country to be more specific, you cannot afford to forget proper travel insurance before you fly. In case you happen to fall sick or land up in any type of emergency, the exorbitant expenditure to get out of the situation can surely dig a hole in your pocket. So better not take that risk. Besides, travel insurance is a pre-requisite to get a Schengen Visa. So if your plan is to visit countries like France, Germany, Italy, Netherlands, Spain, Switzerland, etc., do not make the mistake of applying for a visa without travel insurance.
Where And How To Purchase A Travel Insurance Valid In Europe?
There are myriad companies in India that offers travel insurance for international trips. Bajaj Allianz and HDFC Ergo are two of the eminent ones among them. However, if you want to get the best plan, you need to compare insurance rates and features being offered by different carriers before buying it. Policybachat is one such comparative platform that allows you to compare international travel insurance from various carriers and also helps you to buy the chosen policy online in no time.
How much it costs?
The cost of European travel insurance is solely dependent on the purpose of the trip and the length of stay in that country.
Insurance requirements to get a European/Schengen Visa
If you are planning to travel to any European country that does not fall under the Schengen nations, any normal international travel insurance may serve the purpose. But if it is a Schengen nation, you need to get adequate medical coverage for your visa to be granted.
A valid Schengen visa, besides coverage for other emergencies like cost of replacement of lost baggage, trip delay or cancellation, replacement costs for lost passport or valid travel papers, etc., must fulfill the following criterion:
- It must include coverage for emergency medical evacuation and repatriation of remains.
- Medical coverage for at least Euro 30,000.
Finally, a word of caution you should never forget before starting on your trip. Do not forget to carry a copy of your insurance and the contact details of your insurer. Also, if you are travelling in a group, do give a copy of your insurance to any of a reliable fellow traveller and brief him about it so that in case you are impaired, that person can deal with your insurance claim processes.