Travel Insurance Requirements for Schengen Visa Applicants

Many people dream of visiting Europe, and if your trip is going to include all member countries of the Schengen Area, be prepared for some visa issues. Getting the right travel insurance will be one of the important requirements for the application process. This article outlines what you need to know concerning Schengen Visa Travel Insurance for your journey.

Schengen visa and insurance requirements 

Minimum Coverage Amount: The cover for your travel insurance should be no less than €30,000 ($35,000 approximately). This would represent full coverage for any resulting medical expenses during a stay in the Schengen area.

Area of Coverage: The insurance will cover all Schengen states, not just Italy. This means that if, during that particular trip, one goes to another Schengen country, he/she is not exposed. 

Duration of coverage: Insurance must be covered for the whole period one is intended to spend in the Schengen Area. These exist in the periods that commence on the date they are going to arrive and end on the date they are meant to leave. Therefore, it should be soft on how to take care of moving the dead bodies when one dies.

Medical and Emergency Coverage: When a person becomes ill or meets an accident, medical insurance covers hospitalization and emergency treatment, including airlifting back home.

Additional Considerations 

Policy Documentation: Applicants who wish to be granted a Schengen visa will be required to show proof of insurance coverage. Ideally, this should contain legal acceptance by the insurance provider in the form of a certificate or policy that spells out the coverage part. 

Exclusions: Pay attention to the coverage or lack thereof for particular scenarios like pre-existing medical conditions or hazardous activities. Make sure that these do not clash with your travel schedules. 

The general procedures for acquiring travel insurance

Research and compare: Ensure that the travel insurance companies are in a position to offer a policy that will suit a Schengen visa. It is very common for insurance companies to have Schengen visa-specific insurance policies. 

Purchase the policy: Buy the insurance policy that fits best: make sure that this insurance policy contains all the mandatory provisions.

Obtain Proof of Insurance: There are some of the documents that you may wish to request from the provider after making the purchase, and among them include a certificate of insurance or policy document. The coverage amount that the document should include should therefore include the coverage amount, geographical coverage, and validity period.

Include in the visa application: It is also advised to attach proof of insurance together with the documents to be produced for the visa purpose. All other visa requirements are met at the same time, such as the validity of a passport, a filled-out visa application, a travel plan, proof of accommodation, and financial capability.

Recommended Providers 

Many insurance companies are understood to write policies that will cover the need for the Schengen visa. Some of these include: 

• Allianz Global Assistance 
• AXA Schengen 
• World Nomads 
• Europ Assistance 
• IMG Europe 

Thus, the purchase of travel insurance that meets the Schengen visa demands is one of the vital steps in attaining the visa. Not only does it meet the obligations of the visa but in addition, it delegates to you all the medical and emergency risks that you are likely to encounter during your vacation in another country. It is advised in this regard therefore that the current specific details be sought from the current Italian embassy or consulate or indeed, the nearest visa issuing office that exists in your country, as they may vary slightly depending on the country and the circumstances. 

Enjoy a good trip and have fun in Italy.