Traveling abroad is always associated with potential risks. Experienced tourists know how important it is to take care of the purchase of insurance, which guarantees compensation for harm to health received during a foreign trip. That is why the question of obtaining insurance for a Schengen visa is one of the most demanded in the last decade. Today we will talk about how to issue an insurance policy, what advantages it gives to its owners, and also what this document is.
What is insurance for a Schengen visa?
Imagine being injured or contracting a tropical disease during your overseas wanderings. It is expensive to undergo treatment in foreign clinics, and some of them refuse to admit foreigners at all. The only way out of such a difficult situation would be to obtain medical insurance, which guarantees material compensation for the harm received, compensation for the costs incurred.
With this document, you can not be afraid that you will be denied medical care, treatment, and will not be allowed on the threshold of a medical hospital. It is especially worth thinking about the need to purchase an appropriate policy for those who suffer from chronic diseases, have a weakened immune system or are elderly people.
Benefits of health insurance for travel to Europe
In addition to reimbursing medical expenses, travel insurance makes it possible to cover part of the losses incurred by a tourist while traveling in the Schengen countries. For example, accidental loss of luggage, financial losses due to unforeseen flight cancellations are subject to compensation. Even losses from the bankruptcy of the travel agency in which you bought the tickets and the services of which you used, can also be compensated at the expense of the company where the policy was purchased.
It is worth noting that travel insurance when traveling to the Schengen countries differs in terms of validity and insured events, with the onset of which the owner is entitled to monetary compensation. Today, various companies offer general-type policies that provide compensation for a wide range of insured events, as well as documents that provide for compensation in the event of one or two types of insured events. In addition, policies differ in terms of validity - they can be valid throughout the entire trip to the Schengen countries, or they can apply to a single trip lasting several days.
What are the types of insurance for a Schengen visa?
For those who travel by private transport, we advise you to take a closer look at buying a comprehensive insurance, which provides for the possibility of compensation not only for treatment, but also for loss and damage to personal property. Remember: no one is immune from troubles on the road, so it is better to play it safe and protect yourself and your transport from such situations.
There are other types of insurance policies that provide compensation for:
- emergency evacuation
- return of a minor
- trip interruption
- funeral expenses abroad
- loss of documents
- missing flight connections due to a changed schedule of one of the airlines
- vehicle delays due to weather conditions or other force majeure circumstances
We advise you to carefully calculate all possible risks before traveling and indicate them in your insurance policy. For example, if you decide to visit a country with high crime rates, it is better to insure your luggage and documents. And for those who go to a region affected by an outbreak of a dangerous disease, insurance with compensation for the cost of treatment and an ambulance call is more suitable.
Where and how to buy insurance for a Schengen visa online
Today you can buy an insurance policy in almost any company that specializes in such services. A mechanism is gaining popularity, which makes it possible to order and issue insurance without leaving home. All you need is a computer with Internet access.
The cherehapa service provides online policy processing services. It is enough to go to the site and, following a simple algorithm, fill in all the required fields of the questionnaire. So, you will need to follow these steps:
- select the country you want to visit and indicate the travel dates
- indicate the full name, date of birth and other data of all persons who are subject to insurance
- indicate possible insured events, upon the occurrence of which you would like to receive compensation (for example, extreme sports, the presence of personal vehicles, etc.)
- choose one of the insurance programs offered by this insurance company
Some companies ask you to provide other data that are important for planning your trip and taking into account all possible risks. In particular, you may be asked to fill in online positions about your profession, the purpose of the trip, the number of people included in the tourist group, etc. Do not forget to check the correctness of filling in the data, since just one mistake can become an unpleasant surprise and a reason for refusing compensation. After that, you need to pay for insurance using a bank card or in another way available to you (for example, through a payment terminal).
How to choose an insurance company
Surely, the most crucial moment in obtaining insurance is the choice of an insurance company. According to the survey results, the majority of tourists believe that the main criterion for choosing an insurance company is reliability. Being in a foreign country, faced with an unforeseen situation when there is no one to expect support, it is very important that there is a reliable partner who is ready to take responsibility for your destiny and promptly resolve all financial issues. That is why it is worth giving preference to those insurance companies that offer the most favorable insurance conditions, have an impeccable reputation, offer a quick and convenient way to issue an insurance policy, a wide range of insurances, and have experience in the Schengen countries.
Useful tips for tourists
Before applying for a visa, at the stage of preparing for a trip abroad, we advise you to clarify what requirements for the policy are imposed by the competent authorities of the host country. Most countries work with a printed online insurance form, but there are exceptions. The term of the policy is also important. When making out insurance for Schengen via the Internet, do not forget to clarify the maximum amount of compensation, read customer reviews about a particular company. This will allow you to get an overall picture of the reliability of the insurance partner.
We also do not recommend neglecting the existing risks in order to reduce the cost of the policy. For example, if you go to a region of a military conflict, you have certain diseases that can worsen and lead to serious consequences during the trip - you need to fix all these risks in your insurance policy.
