The purchase of travel insurance for Europe is one of your requirements when applying for your Schengen visa. Regardless of what you will do in one of the countries belonging to the European Union, you must comply with this requirement. In truth, even if you are not applying for this visa, it is always a good idea to have travel insurance.
Each of the options has different coverage. Besides, the acquisition of the service is easy and fast. Most of the procedures can be carried out via the Internet, which is a great advantage!
Is there cheap Schengen visa travel insurance?
Yes, there are several cheap insurances, but it is advisable to compare the different options before taking travel insurance. That way, you can be sure to purchase the one that best suits your possibilities and medical needs in case of emergencies.
The best travel insurance in Europe currently with HEYMONDO
The particularity of this insurance is that it is the only one that offers a Top plan in which it takes care of paying the medical expenses for you. So, you don’t have to pay the hospital bills and then make a claim for reimbursement.
Despite this unique feature, it is one of the cheapest options for a Schengen visa; they have everything you require. In the offer, you will enjoy coverage for more than 30,000 euros in medical emergencies, evacuation, or repatriation coverage and it is active in the entire Schengen area.
You will also find coverage in case of trip cancellation or loss of your luggage; they comply with all the requirements for visa application and COVID-19 coverage.
Cheap and efficient insurance with WORLD NOMADS
It offers coverage of more than 30,000 euros for medical emergencies. When contracting, you can choose Europe or the Schengen area for coverage, having the possibility to select the most adjusted to your travels.
However, this insurance requires you to make a claim after the medical incident to obtain reimbursement of expenses. Claiming is a common problem with most travel insurance but it is suited to your Schengen visa application.
Another good choice is IMG travel insurance
It has an extensive range of emergency medical coverage, repatriation, or evacuation, three fundamental elements in all travel insurance contracted. Their services also offer good solutions when you have to cancel your trip or if you lose your luggage during your trip.
You meet all the requirements imposed for Schengen visa travel insurance. However, you must first claim to obtain reimbursement of expenses. You will have to pay the costs in case of accident or complication.
Policies not covered by Schengen Travel Insurance
Generally, all travel medical insurances have the same coverage; their mission is to offer you effective solutions to any complication. However, some circumstances are not part of their policies, for example, the following:
- Many are not responsible for pre-existing conditions
- They do not reimburse expenses for routine check-ups with different specialists
- In case of pregnancy, medical costs must be borne by you
- Congenital conditions and infertility problems are not covered in their policies either
- Non-allopathic medications are not included in the coverage
- Plastic or cosmetic surgeries are not included in the coverage
- Losses or damages caused by terrorism, civil war, or war are not covered
- Damages or losses caused by dangerous sports are rarely added to the policies
Any illness existing at the time of contracting the policy or situations where there is negligence by the insured are not covered by the insurance. Likewise, before taking out the insurance, you should evaluate when you can use their services.
Consider every aspect to avoid inconveniences and carry out the process to the letter.