Choosing the right Schengen travel insurance policy is essential not only for visa approval but also for protecting yourself during your trip.
Here's a practical list of dos and don’ts to help you make the best decision:
Do's:
• Meet Minimum Requirements: The policy must cover at least €30,000 for medical expenses and repatriation.
• Coverage Duration: Ensure that it is valid for the entire duration of your planned stay in the Schengen area.
• Schengen Validity: It should be valid in all Schengen countries, not only in the country you are visiting.
• No Deductible: The policy should not include a deductible or excess clause.
• Research Insurers: Examine the insurer’s reputation, customer reviews, and claims settlement ratio.
• Compare Plans: Do not settle for the cheapest option; compare different plans to find the best coverage and value.
• Understand the Claims Process: Familiarize yourself with the claims process before it becomes necessary.
• Consider Pre-existing Conditions: If you have any existing medical conditions, ensure the policy includes coverage for them.
• Look for Additional Benefits: Some policies include features such as trip cancellation coverage, assistance with lost passports, or 24/7 support helplines.
• Check for Customization: Some insurers provide add-ons that tailor the policy to your specific needs.
• Consider 24/7 Support: Select an insurer that provides around-the-clock support in case of emergencies.
Don'ts:
• Do not ignore minimum requirements: The Schengen visa requires minimum coverage; therefore, do not settle for less.
• Do not overlook the claims process: A complicated claims process can cause unnecessary stress; understand it beforehand.
• Do not focus solely on price: While cost is a factor, prioritize coverage and benefits when selecting a policy.
• Do not neglect pre-existing conditions: Ensure your policy provides coverage for any existing medical conditions.
• Do not underestimate the importance of reputation: Select a reputable insurer with a proven track record.
• Do not disregard additional benefits: Policies with extras such as trip cancellation or emergency helplines can be highly beneficial.
Here at Schengen Visa Itinerary, we offer affordable travel insurance for Schengen visas at market-competitive prices. Over the years, we have helped hundreds of thousands of satisfied customers secure visa approvals by providing verifiable documents, including hotel bookings for Schengen visa applications.
These packages not only include travel insurance for visa, but other required documents too, such as Hotel Booking for Visa Application, flight itinerary for visa application.
If you have any questions or require further assistance from experienced professionals, please do not hesitate to contact us.