July 14, 2024

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Schengen Travel Insurance Explained: What You Need to Know

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Schengen Travel Insurance

As the craze of travelling abroad is increasing, so are the rules and regulations. Just like a Schengen visa is necessary to visit Schengen countries, Schengen travel insurance also holds an important place in the list of documents you are mandated to have when travelling.

If you do not know what Schengen travel insurance is, its importance or why you should purchase it, here is an explanation of this type of insurance that helps you remain financially covered throughout your journey.

 What is Schengen Travel Insurance?

Schengen travel insurance is a special insurance policy that provides financial coverage to those who are travelling to Schengen countries. It is compulsory to have this insurance in order to enter Schengen countries without disruptions.

When travelling, you can face problems such as lost or delayed luggage, medical emergencies, etc. To help you manage such situations, Schengen travel insurance steps in with its wide coverage.

To help you understand the most important details of Schengen travel insurance, below are some of the main benefits and importance of obtaining Schengen travel insurance for your trip beforehand.

 Importance and Benefits of Schengen Travel Insurance

Travelling to any Schengen country without a Schengen travel insurance policy is not permitted. While it is true that buying travel insurance may increase your travel costs a little, you should know that it is worth it.

Travel insurance for a Schengen visa is indispensable when going on a trip as it provides much-needed financial resources in case of:

 Lost or Delayed Baggage

It can happen that you lose your luggage when travelling and losing your essential items can be drastic. With Schengen insurance, you will get compensation for the loss incurred.

 Third-party Damages

Schengen travel insurance also provides reimbursement in case you accidentally cause injury or damage to third party property or person. .

 Accidents or Health-related Emergencies

Encountering situations like accidents and health issues during your trip can cost you a fortune. With Schengen travel insurance, you will not have to worry about the expenses related to these circumstances.

 Loss of Passport

A missing passport can spoil your trip totally. Having Schengen insurance will ensure that you have sufficient funds for applying for a duplicate or new passport.

 How to Buy Schengen Travel Insurance?

  • To purchase this insurance, you first have to visit the website of your chosen travel insurance company.
  • Find the “Schengen Travel Insurance” option in the travel insurance category.
  • Next, select the type of travel insurance you want, for example- individual, family, or annual multi-trip.
  • Once you have selected the type of plan, enter the number of days of your trip, region, date of birth, email address, and mobile number.
  • After entering these details, click on “Check Quote”.
  • On clicking, you will get different travel insurance options to choose from.
  • Select the one that seems suitable to you, click on buy now, and make the payment.


Planning a trip to Schengen countries? Do not forget to buy the best travel insurance for a Schengen visa to enjoy your trip to the fullest. Along with serving as your travel companion throughout the trip, it is a source of peace of mind which lets you enjoy your trip without any hurdles.

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