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Travel Insurance » General
Is travel insurance mandatory for all countries?
Travel insurance is mandatory for Schengen visa countries. The Schengen visa basically allows the visa holder to travel to any (or all) member countries using one single visa, thus avoiding the hassle and expense of obtaining individual visas for each country. This is particularly beneficial for persons who wish to visit several European countries during the same trip.
Travelers obtain the visa from the Consulate of the country of their main destination. If your main destination cannot be determined, the country you first enter is responsible for granting your visa.
One thing many travelers may not know about the Schengen visa application process, however, is that they must provide proof of health insurance to obtain it. The insurance is designed to pay expenses that might arise in connection with repatriation for medical reasons, urgent medical attention, and/or emergency hospital treatment.
Since June 2004, travelers who are subject to the visa requirement to stay or transit in one or several Schengen countries must demonstrate, in support of their visa application that they are in possession of adequate and valid travel insurance. In other words, without travel insurance, the visa will not be issued.
Two different Schengen visas require travel insurance
The short stay visa (category C), is the most common Schengen visa, issued for purposes of tourism, business, family or private visit or to get married. The transit visa (category B) is issued to entitle travelers who are going from one outside State to another outside State to pass through the territories of the Schengen states. Category A, the airport transit visa, does not require travel insurance.
Though all Schengen countries are in Europe, travelers should not confuse Schengen countries with European Union (EU) countries. Schengen and EU demarcate two different agreements between European countries. The Schengen area consists of 15 countries within the Europe zone: Austria, Germany, Belgium, Denmark, Finland, France, Greece, Iceland, Italy, Luxemburg, Norway, Portugal, Spain, Sweden and The Netherlands.
Certain states, two of them being significant members of the European Union (the United Kingdom and Ireland), do not belong to the Schengen area. Two other countries, Norway and Iceland, while not members of the European Union, are nevertheless part of the Schengen area. In regards to France and the Netherlands, the Schengen Convention only applies to their European territories. The Principality of Monaco, for example, allows entry on its territory without any formality to the holder of a Schengen visa.
Schengen visa insurance requirements:
Medical insurance for the Schengen visa must meet the following requirements:
1. Medical coverage of at least Euro 30,000.
2. Medical evacuation/ repatriation must be covered.
Schengen visa insurance can be easily bought online from www.insurancepandit.com with medical coverage typically purchased in limits of $50,000; $100,000; $250,000 and $500,000. The policy document can then be shown to the Consulate from which you are applying for a visa and also carried with your throughout your trip to the Schengen countries.
It would be a wise idea to carry traveler’s insurance no matter what the destination, and this requirement for the Schengen visa should not be something travelers resist, but rather view as a welcome formality.
Even if you are travelling to countries where travel health insurance is not mandatory, it would be wise to carry traveler’s insurance as it protects the traveler in the event of emergencies or circumstances that create any type of interruption or disturbance in the trip plans. Travel insurance is basically a means to minimize the financial risks that can occur due to Medical emergency , Trip Cancellation/Interruption , Passport loss and legal expenses , Events like delay or missed departure , loss or delay in arrival of baggage, Loss of cash, or valuables etc.
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Related entries:
- Why do I need Travel Insurance?
- When does the travel insurance cover begin?
- Till when is the travel insurance policy valid?
- How much of the hospital expenses are covered by the policy? Is it 100%?
- Is medical examination necessary for travel insurance policy? When and where are medical tests to be done?
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Records in this category
- Why do I need Travel Insurance?
- Do I need to take travel insurance each time I make a trip or is one policy valid for multiple trips made over a period of time?
- Who can take travel insurance?
- Is travel insurance mandatory for all countries?
- What are the things to look for while choosing a travel insurance plan?
- How to buy insurance online?
- I have already left india and forgot to take travel health insurance,can I still buy?
- I have to visit USA and Canada for a few days and then any place excluding USA and Canada ,what coverage area should I choose?
- My travel medical policy has expired and I forgot to extend same. Can I get it extended now?
- Can I buy Overseas Travel Insurance If I am traveling on an immigrant visa?
- I have made payment for instant travel insurance policy and the amount has been deducted from my account but I have not received the policy. What should I do?
- I want to take a travel insurance and want to know how will you deliver the policy?
- I have taken a travel insurance policy but my travel dates have changed(postponed). Can I use the same policy?
- I have taken an instant travel insurance policy but there are some mistakes like spelling, address, passport no., nominee name. What can I do?
- There are more than 90 days left for my travel start date but I need my travel insurance policy for visa. What should I do?
- I have purchased tickets for my overseas trip and my travel itinerary is final. When should I buy my travel insurance policy?
- Can a minor become assignee in travel insurance?
- I am going on Kailash Mansarover yatra. Can I get travel health insurance for it? I have China visa.
- My parents are travelling to US. I need help on filling the right policy end date. They will fly back on 27th and reach delhi on 28th. Does it mean their policy end date is 27th or 28th?
- I have cancelled my overseas trip due to medical reasons. Should I cancel my policy?
- I have purchased a family travel insurance policy for sum insured US$50000. Does this mean coverage of US$50000 for each member or is it US$50000 coverage for all of us together?
- My overseas stay has been extended by 3 days. Is it covered under the 'automatic extension of the policy for 7 days' clause?
- Can I take two travel insurance policies for my trip abroad?
- I am a professional sportsperson going abroad for participating in a sports meet. Will my overseas travel insurance hold good?
- Which is the best travel insurance in India?
- Is travel insurance available for an infant?
- Is travel health insurance taken in India for a PIO or OCI card holder residing in India valid in USA?
- Which are the Indian insurers whose overseas travel policies shall be considered valid for the Schengen countries visa procedure?
- I am going to Canada on permanent resident(PR) status and need insurance for 90 days. What are the options available?
- Is the policy of IFFCO- TOKIO acceptable in Schengen visa requirement?
- Can the travel dates be adjusted after the grant of visa?
- My mom is travelling to the UK next month. Do the Schengen countries include UK?
- Can I discuss the basic travel insurance requirement on phone with your executive?
- I am diabetic since last 7 years, (on insulin since last one year), Have undergone angioplasty in Feb 2017. There are no medical illness options except only writing once.Why can’t you have additional illness options in your drop down option?
- I am getting the message that no plans are available. What should I do now?
- Why is Schengen Visa sum insured given in $ and not in Euro?
- Is BP a pre existing medical condition?
- Is the premium for travel insurance to be paid periodically or is it just a one-time payment?
- Does this Travel Insurance cover the required Medical Insurance overseas too?
- I am travelling from India with my 21 year old son and my husband is joining from Dubai, can we go for a family policy (worldwide except US and Canada)? Or do we need to take three individual policies for our visit to Europe for 10 days.
- I am a Dutch national (The Netherlands passport holder) with an OCI card currently living in India for more than 11 months. I want to visit the Netherlands for nearly two months. Will the quoted insurance policy cover me? Please suggest.
- We need to buy 10 travel insurance policies, but offline. Can someone come to the office and help us with the purchase?
- My parents are visiting me in USA. They plan to stay for 5 months but may have to go back earlier. In this case, will I get a refund of the money I paid for travel insurance for the remaining period?
- What comes under life threatening conditions?
- What are the extra charges for including baggage in the travel insurance?
- How is the premium to be paid? If we pay by credit card, do you accept payment via a USA credit card?
- Who is the “Medical Advisor” who has to approve all medical expenses before coverage is approved for each event?
- Policy summary lists coverage as $50,000 (deductible US$100). How is the deductible calculated? For the whole policy duration? For each illness/event? Or for each individual expense?
- Does Hypertension or diabetes come under pre existing diseases? The list in all policies shows critical illnesses and not hypertension or diabetes mellitus?
- Can we purchase insurance policy for more than 182 days in the first instance (instead of extension) as the VISA and Passport are valid upto 2022?
- Is there any tax benefit like 80D available on overseas mediclaim policies?