Travel insurance is compulsory for Thailand

Schengen Visa Insurance - Europe travel insurance for the Schengen Visa

Travelers visiting Europe should be able to cover and financially cover medical services in the event of an accident, injury or other sudden occurrence.

Travel insurance has been proven to help financially supported travelers start their trip worry-free to avoid unexpected expenses that may arise during the trip.

Requirements for the Schengen Visa Insurance Provider

Health insurance for a Schengen visa must meet the following criteria:

  • Minimum coverage of EUR 30,000 (equivalent to USD 34,000).
  • It should cover all Member States of the Schengen area.
  • Covers all costs that may arise in connection with repatriation for medical reasons, urgent medical care and / or emergency treatment in hospital or in the event of death.

Two travel insurance companies Europ AssistanceandAXA Schengen, provide the insurance certificate required to apply for a Schengen visa.

Even if travel health insurance is worthwhile for all travelers to Europe, not everyone needs to have it. Travel insurance is only compulsory for travelers who need to apply for a Schengen visa. This travel group must always have the necessary coverage for their entire stay in Europe, regardless of whether they are traveling to a Schengen country for business, as a tourist, student, on vacation or for other reasons.

Foreign travelers entering Europe and entering the Schengen zone without a visa can purchase their own preferred travel insurance if they wish. This is highly recommended, but not required.

Schengen visa health insurance is compulsory

Extract from the "Regulation (EC) No. 810/2009 of the European Parliament and the Commission of July 13, 2009", (Regulation (EC) No. 810/2009 of the European Parliament and of the Council of July 13, 2009), the came into force on April 5, 2010:

"... Applicants for a uniform visa, single visa or double visa must prove that they have adequate and valid travel health insurance that covers the costs of a possible return transport to their home country for medical reasons, urgent medical care and / or hospital treatment in Covers emergencies or death during your stay in the territory of the member states. The insurance must be valid in the territory of the member states of the Schengen area for the entire duration of the person's stay or transit. The minimum coverage must be 30,000 euros. "

Who needs to take out Schengen travel insurance for Europe?

Anyone who is temporarily traveling to Europe from a country that requires a visa, be it individual visitors or group visitors, tourists or business travelers.

The Schengen VISA insurance policy can be obtained from AXA Schengen or Europ Assistance can be applied for online very easily and at very low cost.

Who offers Schengen travel insurance?

First and foremost, any health insurance that you may already have under your employment contract will cover the cost of international medical emergencies. However, there are usually restrictions on coverage. Therefore, one has to be aware of what to expect and what not to do when a medical problem arises in a Schengen country.

Usually travelers take out individual Schengen travel insurance for the days they want to spend in Europe.

We recommend that you take out Schengen visa travel insurance AXA or Europ Assistance close. Both travel insurance companies are accepted by European embassies and consulates around the world. You can also cancel it for free if your visa has been denied and you can prove it too.

Make sure the company you choose is licensed and approved in the Schengen country you plan to travel to.

Helpful tips on Visa insurance for Europe

Before taking out additional travel insurance for your upcoming trip to Europe, make sure that the travel insurance you have already taken out does not cover or reduce costs for international health emergencies.

If your policy covers some international medical expenses, carefully review the travel insurance restrictions and limitations.

If you're driving a car in the Schengen Area and can't afford to pay insane amounts in the event of an unpredictable car accident - or just aren't ready to spend all the money, consider taking out combined travel insurance including health issues drag as well as valuable possessions.

Depending on the travel destination, the risk of disease varies with changes in the climate or natural habitat (unknown microbes). It is highly recommended that people with pre-existing conditions such as allergies have their medical record with them from their personal doctor, which describes the condition and the medications prescribed to maintain the condition. Even in the case of chronic illness, it is extremely important to have the prescribed medication with you in sufficient quantities for the days spent in Europe.

What does travel insurance for Europe normally cover?

Good travel insurance for Europe should cover the following costs:

  • Medical emergency (accident or illness) in the Schengen area
  • Emergency evacuation
  • Return of remains
  • Return of a minor
  • Travel cancellation
  • Trip interruption
  • Accident resulting in death, personal injury or disability
  • Funeral expenses abroad
  • Lost, stolen, or damaged baggage, personal effects, or travel documents
  • Delayed baggage (and emergency exchange of important items)
  • Missed flight connection due to flight plan crash
  • Travel delays due to the weather
  • kidnapping
  • As a rule, insurers will cover pregnancy-related costs if the trip is in the first trimester. After that, the insurance coverage varies from insurer to insurer.

Travel health insurance for trips to Europe that meets the requirements of the Schengen visa can be purchased online directly on the AXA website or at Europ Assistance be requested.

Should visa travel insurance cover all countries in the Schengen area?

Yes, travel health insurance should cover all Member States: Belgium, Denmark, Germany, Estonia, Finland, France, Greece, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Austria, Poland, Portugal, Sweden, Switzerland , Slovakia, Slovenia, Spain, the Czech Republic and Hungary.

What is normally excluded or only covered on request with a normal travel insurance policy?

Each travel insurance agency has different policies. However, there are those who offer to cover additional costs if necessary. If this is not the case, additional insurance must be taken out to specifically cover the following expenses:

  • existing health problems (e.g. asthma, diabetes)
  • Sports that involve certain risks (e.g. skiing, diving)
  • Travel to countries with a high risk factor (e.g. due to war, natural disasters or terrorist attacks)
  • The sudden illness due to pre-existing health problems. This means that suddenly and unexpectedly an illness occurs due to pre-existing symptoms without the person's doctor having advised the person concerned to be careful. If you have such pre-existing complaints, please ensure that any resulting illness is covered by the insurance so that, even if you are careful, you are covered in emergencies caused by these complaints.

How do I find affordable Visa travel insurance for Europe?

In order to find the right and affordable visa travel insurance for Europe, individual and more thorough research is required. This means that you have to look for the appropriate and suitable travel insurance yourself online. It is recommended that you do a comparison of products and providers before deciding on the company with the cheapest and the best travel insurance for the Schengen visa.

The price is not to be confused, as not all cheap travel insurances contain services of inferior quality and not all expensive insurances have a high quality offer. For this reason, among the unrestricted offers from travel insurance companies, the safest option is to choose not the cheapest travel insurance, but the policy that covers all the areas required by the requirements for applying for a Schengen visa.

Why do we recommend choosing AXA or Europ Assistance as your travel insurance partner when traveling to Europe?

  • Both providers are front runners in the travel insurance industry
  • Both meet all Schengen visa requirements
  • Ideal for
    • Visitors or guests (visitor visa)
    • Business travelers (business visa)
    • Tourists (tourist visa)
    • Group visitors (visitor visa for travel groups)
  • You can download your insurance certificate right away
  • Reimbursement in the event of visa refusal (free of charge upon presentation of proof that a visa has been refused)

When you have your visa travel insurance at Europ Assistance or AXA complete, you can enjoy your trip to the Schengen area and Europe in peace.

Which nationals need to take out travel insurance for the Schengen visa?

Nationals and passport holders from one of the following countries must purchase travel insurance to apply for a Schengen visa:

AngolaGhanaPapua New Guinea
ArmeniaGuineaPalestinian Authority
BelizeIndonesiaSao Tome and Principe
BeninIranSaudi Arabia
BoliviaJamaicaSierra Leone
Burkina FasoKazakhstanSouth Africa
Burma / MyanmarKenyaSouth Sudan
BurundiKosovoSri Lanka
Cape VerdeLaosSwaziland
Central African RepublicLebanonSyria
CongoMadagascarTimor Leste
Cote D’ivoireMalawiTogo
Dem. Rep. Of CongoMaliTunisia
Dominican RepublicMongoliaTurkmenistan
Equatorial GuineaNamibiaVietnam
North KoreaNorthern Mariana’s

Buy the necessary medical travel insurance for your Schengen visa now at a very affordable price Europ Assistance or AXA Schengen.

What is international travel health insurance?

Travel health insurance refers to the coverage of medical expenses in the event of injury or unexpected illness while traveling. If you are wondering whether you need health insurance when traveling abroad, it depends to a large extent on the travel destination you want to travel to and on whether you are able to personally cover all necessary medical costs while staying in a particular foreign country .

However, travel insurance is necessary for most people, especially the elderly, those with pre-existing health problems who need continued treatment or, and very importantly, the destination is a developing country.

In addition to medical expenses, travel insurance is designed to cover certain losses that may occur during the trip, both in your own country and abroad. Unexpected occurrences like lost luggage, the cancellation of the flight at the last moment, bankruptcy of the travel agency or the accommodation can definitely ruin your trip. Therefore, a travel insurance policy is designed to cover cancellations through full or partial cost coverage.

The international travel insurance is valid for the exact number of days that you are abroad, in this case in the Schengen area, whether you travel once or several times within a short period of time. The cost of insurance varies accordingly.

What are the usual caveats and restrictions?

  • As already mentioned, there are insurance agencies that do not cover existing complaints abroad. If you suffer from such complaints before starting your trip, have consulted a doctor, are undergoing medical treatment and still travel abroad, in this case to a Schengen area, you are not entitled to any form of cost coverage by the insurer. However, if you have been declared fit to travel because you have the complaints under control, travel insurance will normally have to cover the costs of an unexpected emergency resulting from these complaints and the costs of acute illness caused by these complaints while traveling abroad.
  • Sports - Activities with a high risk factor such as extreme sports such as scuba diving, skydiving, etc. may be excluded from coverage.
  • War - Insurance policies can exclude injuries caused by acts of war while traveling to a crisis area.
  • Duration - Many insurance policies are only valid for a certain period of time (e.g. 60 days) and the costs vary accordingly.
  • Suicide and self-inflicted injuries are excluded from cover for all insurance policies, both abroad and in Germany.
  • Your insurance policy does not cover any medical costs, either abroad or in Germany, that are caused by the abuse of addictive substances, drugs or alcohol.

Is travel health insurance compulsory for visa-free third-country nationals entering the Schengen area?

Travel health insurance is not compulsory for visa-free third-country nationals. However, it is highly recommended that you have one if you are traveling to any of the Schengen countries.

You can at Europ Assistance or AXA Schengen apply for medical travel insurance for Europe at a very low cost.

Should we choose travel insurance with a EUR 0 deductible?

It is not absolutely necessary to take out Schengen travel insurance with a deductible of 0 EUR. However, we recommend urgentthat you take out insurance with no deductible.

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Last Updated on May 17, 2021