Ditch the jet lag and say hello to hassle-free European travel!
Schengen travel insurance is one of those magic keys for unlocking the wonders of 27 incredible European countries. The Schengen visa allows you to hop from the Eiffel Tower’s twinkle to the Swiss Alps’ snowy peaks, all without border fuss.
That’s the beauty of the 1985 Schengen Agreement. It enables visitors to roam freely in France, Germany, Greece, and many more countries for up to 90 days or within a 3-month period.
So pack your bags, grab your insurance, and get ready to experience Europe like never before!
Types of Schengen Visas You May Apply for
There’s a Uniform Schengen Visa, which combines two categories:
- Type A
This visa is for travellers passing through a Schengen country by air, with a layover of up to 24 hours.
- Type C
Type C is the most common visa type, ideal for short stays in the Schengen zone, lasting up to 90 days.
Then there’s the National Schengen Visa. It caters to travellers with specific needs, such as:
- Attending academic courses, research, or teaching assignments
- Working in a Schengen country
- Studying as an international student
- Facing a medical emergency or other unforeseen circumstances that require a longer stay
Knowing which visa type aligns with your travel purpose ensures you get the most appropriate insurance coverage.
Know more: Europe – Your Ticket to Fairytale Business Trip
Why Should You Purchase Travel Insurance for Europe?
Travel insurance and a Schengen visa from India are two essential requirements for anyone travelling to countries within the Schengen zone.
Here’s why getting Schengen travel insurance from a reputable company is a wise decision:
- To Tackle Unforeseen Medical Mishaps
Imagine being struck by illness amidst the excitement of exploring charming cafes and historical sites. In those scenarios, Schengen travel insurance can cover hospitalisation costs, post-accident expenses, and even emergency dental care, ensuring you receive timely medical attention without financial worry.
- To Overcome Travel Hiccups
Flight delays, trip cancellations, and missed connections can throw a wrench into your itinerary. But with Schengen travel insurance, you will be reimbursed for these setbacks according to the policy limits, minimising the monetary burden and allowing you to refocus on enjoying your trip.
- To Ensure Peace of Mind Back Home
Anyone would pray not to hear about a sick family member or a break-in at home while they are abroad. However, these instances do happen, and travel insurance can reimburse your pre-bookings and provide emergency cash assistance to handle such emergencies back home. A personalised insurance plan allows you to make informed decisions without financial worry.
Know more: Travel Europe with Airtel Prepaid international roaming plan
How to Select the Perfect Travel Insurance to Europe From India?
While finalising the travel insurance for Schengen visa, you must be able to anticipate what sorts of financial risks can occur while you are away. It allows you to decide the required coverage accurately and consequently arrive at a well-informed decision. Besides, travel insurance is mandatory for all Schengen countries.
Generally, these pointers are present among the top considerations while deciding the premium of Schengen travel insurance:
- Duration of the Trip
Imagine your trip as a seesaw. The longer you are away, the more likely you will need medical attention, tipping the seesaw in favour of a higher premium for the insurance company. So, consider paying more for extended adventures.
- List of Destinations
Where you are headed plays a role.
For instance, you can think of it like this- on one side, you are relaxing at a French beach in Narbonne plage that naturally comes with fewer risks. Alternatively, on the other side, you have planned whitewater rafting down the most thrilling Swiss rapids!
If your destination has a greater chance of risks down the road, the insurance premium should also likely reflect that increased risk.
- Age of the Travellers
Age is a major factor when selecting a premium. Like car insurance, travel insurance plans get pricier as the beneficiaries age. Statistics worldwide suggest that older travellers are more likely to need medical attention. So, insurance companies devise their coverage plans accordingly.
- Pre-existing Medical Conditions
Pre-existing health conditions play a big role in deciding the maximum approvable sum insured. If you or anyone in your family has a health issue before you set out, you may need to pay extra for coverage. It is best to be upfront with your insurer about any pre-existing conditions.
Finally, some travel insurance plans offer optional add-ons, like adventure sports or gadget protection coverage. These extras are great for peace of mind, but they also increase the cost of your insurance. So, you must carefully evaluate your needs and select a plan only after clearly explaining all the inclusions.
