Europe Travel Health Insurance - Everything You Need To Know

Europe Travel Health Insurance - Everything You Need To Know

Check this post to know everything about Europe travel health insurance.

Life and uncertainty are like BFFs, a.k.a, Best Friends Forever.

No matter how funny the above line seems, it is a harsh reality of life. Any incident can happen anytime. It can be good or bad.

A little example from the canvas of life:

The good thing - you luckily got a chance to visit an international destination with your family. Wow!

And, the bad or undesired thing, you injured yourself in a road collision in a foreign country with no travel medical insurance coverage in place.

If you are fortunate enough, a stroke of good luck will strike you.

However, if anything as unfortunate as a medical condition or an injury happens outside your country, you may suffer hard luck if you do not have a proper travel health insurance plan.

When traveling abroad, visitors should make sure that they can cover their medical expenses in case of a sudden illness or injury without breaking their banks. As far as global financial coverage is concerned, what other than a suitable travel medical insurance plan can provide you with the best support and mental peace?

Although visitor's health insurance cannot keep misfortune at bay, it can provide you with adequate financial support at the time of need.

So, if you are all set to explore Europe and its magnificence, make sure to buy a travel medical insurance policy beforehand.

Traveling to Europe amid the COVID-19 scare!

With the coronavirus mutating from one strain to another, various countries are reimposing various travel-related restrictions on international passengers. Make sure to learn about the guidelines before booking your tickets.

If you are visiting the Schengen area, then travel medical insurance meeting all Schengen insurance requirements is mandatory. You will need it at the time of your visa application. If you fail to produce proof of your travel health insurance, your visa application will not get through. It will be rejected.

In case your travel itinerary takes you to the Schengen zone (that's visa-free), then travel medical insurance may not be necessary. However, irrespective of the Schengen visa requirements, getting a travel medical insurance policy is a wise investment, provided you do not wish to shoulder the cost of medical care by yourself during your expedition to Europe.

When applying for your Schengen visa, make sure to carry the proof of travel medical insurance. Your insurance plan should live up to the following minimums:

  • A minimum travel medical insurance coverage of 30,000 EUR, which is equal to 34,050.90 USD (14th February 2022)
  • Your insurance policy should cover all the Schengen countries.
  • In addition to medical coverage, your travel health insurance plan should cover any expense incurred due to repatriation on medical grounds, emergency medical care, urgent hospitalization, or demise.

Choose a reliable insurance broking portal online and compare all Schengen-compliant travel medical insurance policies from the top insurance carriers.

With a customer-friendly broker, you can even print your visa letter. You will need this letter while making your visa application. Plus, you can compare, select, purchase, and print the visa letter on the same day of your appointment at the respective embassy or consulate.

Which countries constitute the Schengen region?

The Schengen region comprises 26 European countries, which eliminated their internal boundaries for free movement of their people, abiding by a list of several rules made by the police cooperation and judicial system.

The Schengen region includes most European Union (EU) countries, excluding Ireland and several other countries that are going to be part of Cyprus, Bulgaria, Romania, and Croatia soon. Although Norway, Switzerland, Iceland, and Lichtenstein do not belong to the EU, they also come under the Schengen zone.

Here is a list of the 26 European countries (arranged alphabetically) that make the Schengen region:

  • Austria
  • Belgium
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland

How does travel medical insurance to the Schengen region work?

To help you understand this in a better way, here we have chalked out some examples. It comprises some unexpected scenarios and how travel medical insurance plans protect you. Keep reading!

Situation #1

You: You are a US citizen. You are traveling to Europe for a month or so.

A hypothetical yet common scenario: While exploring the lanes of Greece, you suddenly started feeling nauseated and became severely ill, followed by sharp abdominal pain. After visiting the doctor's clinic and getting tested, you were diagnosed with appendicitis. The doctor also suggested immediate surgery.

The resolution: Several short-term travel medical insurance products cover both US and non-US citizens and help access quality healthcare away from home.

Situation #2

You: You are a business professional. You hold multiple residencies in various countries. So, you need comprehensive travel medical insurance coverage to ensure your safety and financial security.

An imaginary yet possible mishap: You are on a business trip to Italy when suddenly you twist your ankle, requiring outpatient physical therapy or chiropractic care.

The solution: You can choose from a range of travel medical insurance plans with a leading insurance provider that offers coverage against outpatient physical therapy and chiropractic care. However, to receive this benefit, the care must be ordered by a physician in advance.

Hopefully, now the concept of travel health insurance for traveling to the Schengen region is pretty much clear to you. So, make it a point to do your homework and select a suitable insurance product to cover your trip. As travel medical insurance for visitors' health insurance policies are available in plenty, you should always ensure that your plan affirms all-around protection.

What are the benefits of visitor insurance coverage?

It is one of the most important factors to consider when deciding on a travel medical insurance plan. Unless you are sure about the coverage benefits, how can you say if or not the given policy is right for you? Isn't it? So, let us take a look at the standard benefits that you can expect. Although the extent of coverage varies from policy to policy and one insurance provider to the other, this is a glimpse into what all you can seek from your travel medical insurance policy. Take a look!

  • Emergency medical care and hospitalization
  • Protection against COVID-19 medical expenses (The condition is covered and taken care of like any other illness)
  • Coverage for trip delay and trip interruption
  • Unexpected onset of any pre-existing condition
  • Expenses pertaining to ICU or hospital room
  • Outpatient medical care
  • Ambulance services
  • Visits to the doctor's clinic
  • Diagnostic services
  • Prescription medications
  • Coverage against nervous or mental problems
  • Emergency medical care for pregnancy
  • Chiropractic, physiotherapy, or physical medicine
  • Dental treatment
  • Emergency evacuation on medical grounds, natural disaster, and political situations
  • Repatriation of mortal remains
  • Emergency reunion
  • Return of travel companion or minor kids
  • Loss of baggage
  • AD&D (accidental death and dismemberment) coverage
  • Round the clock emergency assistance

As already told, the terms and conditions and the extent of insurance coverage are likely to vary from one insurance company to the other. Therefore, you need to be careful while choosing a plan. Make sure to read the policy documents thoroughly before signing the policy agreement. Many people overlook the importance of leafing through their policy papers. It could land you in rough waters at the time of need.

How to find a Europe Travel Medical Insurance policy?

In an era where everything is adorning a digital makeover, finding an appropriate travel medical insurance policy is not a big deal. However, you have to be a little careful while zeroing on a product. Some of the best places to look for travel health insurance products are the following:

Making a direct purchase from an insurance provider: You can select and buy a plan from an insurance company online. If you wish, you can also get a printout of your insurance certificate or letter that you have to produce with your Schengen visa application.

Via your travel agency: If you are visiting Europe through a conducted or organized tour, you can get a travel health insurance policy with your tour package. Most travel operators provide the same. However, most of the time, these plans happen to be pricey. Therefore, you must read the policy copy properly before signing them.

Buying a plan with a reputed insurance broking portal: According to industry specialists, it is the right way to approach a travel medical insurance plan. An insurance broking platform features multiple travel health insurance products from different insurance companies. They also allow the users to compare various policies based on user requirements. It goes without saying - when you buy something after doing proper study and comparison, you happen to find the best deal. So, the same applies here. Compare multiple insurance plans and buy the one you find the most suitable to meet your needs.

So, these are some of the most important things you need to know about travel medical insurance when traveling to Europe.

Frequently Asked Questions on Travel Health Insurance Plan

Do all travel medical insurance policies cover COVID-19?

COVID-19 coverage may vary from one insurance plan to the other. Therefore, it is advisable to check this piece of information with your insurance service provider beforehand. In order to visit the Schengen countries, your travel medical insurance policy must cover COVID-19.

What does trip interruption mean?

In case you need to go back to your home country in the middle of your Europe tour (due to some unavoidable reasons), your travel medical insurance plan will pay you some of the non-refundable costs mentioned in the policy.

What do you mean by flight delay?

If your Europe trip is delayed during transit, your insurance company will compensate for food and accommodation during the waiting time. For more information, make sure to get in touch with your insurance provider or your insurance broker.

What if you lose your bag on the go?

If your checked-in luggage is damaged, lost, or stolen during your trip to Europe, your travel health insurance provider will compensate for some of the costs. For more details, you may talk to your insurance provider or refer to the policy documents.

Do travel medical insurance policies cover personal liability?

To confirm this coverage, you may contact your insurance provider. If they cover it, your insurance plan will compensate for physical injury or property damage to a third party during your Europe tour.

What about coverage against adventurous activities?

Some insurance policies allow you to increase the extent of coverage pertaining to any injury related to adventure sports like scuba diving and skiing. However, the sports or activities marked as risky are not covered.

How can you obtain your Schengen Visa Insurance Certificate? Can you do it online?

Yes, you can very much do it online. When you buy your travel medical insurance plan using a reliable and customer-oriented insurance broking platform, you get an insurance letter or certificate that you can produce at the Embassy or consulate as proof. All you need to do is download the certificate, take a printout, and attach it with the remaining documents, and send it to the relevant consulate.

How can you make a claim with your travel medical insurance company?

The procedure to make a claim may vary with each insurance company. Therefore, the best way to learn more about it is to check the policy guidelines in the first place. Do not forget to take your travel health insurance policy number with you no matter wherever you go. You may need it if you need to file a claim. It is advisable to inform your insurance provider at the earliest after an event of an accident or illness.

What is the cost of a travel medical insurance product?

The cost of a travel health insurance plan varies according to various factors. The factors include the following:

  • The age of the traveler
  • The duration of the tour
  • The extent of coverage

Check with your insurance provider and read your policy documents carefully before zeroing in on your travel medical or visitor insurance policy.