Introduction
Travelling abroad can be an exciting and enriching experience, but it also comes with its share of risks. Accidents, illnesses, and travel mishaps are just some of the potential hazards that can be encountered while travelling. Therefore, having travel health insurance is crucial.
If you’re planning a trip to the Schengen area, which comprises 26 European countries, you’re required to have travel health insurance with minimum coverage of €30,000 for repatriation and medical expenses. This article will provide you with valuable insights on how to find the best travel health insurance for Schengen travel.
What is Travel Health Insurance?
Travel health insurance is a type of insurance that provides coverage for emergency medical and travel-related expenses while travelling outside your home country. A comprehensive travel health insurance policy will cover medical expenses resulting from accidents, illnesses, and emergency dental treatment.
When travelling to the Schengen area, travel health insurance is mandatory for foreigners. In the event of an accident or illness, you want to make sure you have adequate coverage to avoid being stuck with a hefty medical bill.
How to Find the Best Travel Health Insurance for Schengen Travel
Here are some tips that will help you find the best travel health insurance for Schengen travel:
1. Check if you’re already covered
Before you buy travel health insurance for Schengen travel, check if you’re already covered under your existing policy. Many health insurance plans already include coverage for international travel. You might also have additional travel insurance benefits through your credit card. It’s always worth checking your current policies first before buying a new one.
2. Compare policies
Not all travel health insurance policies are the same. You need to compare policies from different insurers and choose the one that best suits your needs. Look at coverage limits, deductibles, co-pays, and exclusions.
3. Check the coverage
Make sure the policy provides comprehensive coverage for medical expenses, emergency dental treatment, and repatriation. The policy should also cover expenses related to trip cancellation, lost luggage, and travel mishaps.
4. Read the fine print
Before you purchase a travel health insurance policy, read the fine print carefully. Make sure you understand the policy’s terms and conditions, including exclusions and limitations.
5. Consider the price
While price is important, it shouldn’t be the only factor to consider when buying travel health insurance. Sometimes, a cheaper policy might not provide enough coverage. Weigh the coverage against the cost to determine if you’re getting good value for your money.
FAQs
Q. Is travel health insurance mandatory for Schengen travel?
A. Yes, travel health insurance is mandatory for Schengen travel. Foreigners travelling to the Schengen area are required to have travel health insurance with minimum coverage of €30,000 for repatriation and medical expenses.
Q. Can I buy travel health insurance after I arrive in the Schengen area?
A. No, you cannot buy travel health insurance after you arrive in the Schengen area. You must purchase travel health insurance before you leave your home country.
Q. What should I do if I get sick or injured in the Schengen area?
A. If you get sick or injured in the Schengen area, seek medical attention immediately. If you have travel health insurance, you can contact your insurer to get assistance with medical treatment.
Q. Do all travel health insurance policies cover all medical expenses?
A. No, not all travel health insurance policies cover all medical expenses. Always check the policy’s terms and conditions to know what is covered and what is not.
Conclusion
Travel health insurance is a must-have when travelling to the Schengen area. When looking for the best travel health insurance, it’s important to consider factors such as coverage, price, and policy terms and conditions. By doing so, you can choose a plan that will provide comprehensive coverage and give you peace of mind while travelling.