Is travel insurance required for visiting Europe, and why is it required?

 

Travel insurance is mandatory for some travellers visiting Europe, specifically for those who need a Schengen visa. Here’s a detailed explanation:

Is travel insurance required for visiting Europe?

Yes, but only in specific cases:

  • Mandatory if you are a citizen of a country that requires a Schengen visa to enter Europe.
  • Not mandatory if you are from a visa-exempt country (e.g., USA, UK, Canada, Australia), although it is still highly recommended.

Why is travel insurance required for Schengen visa holders?

Travel insurance is required by law for Schengen visa applicants to:

1. Protect public health systems: European countries want to ensure visitors can afford medical treatment without burdening their healthcare systems. 

2. Cover medical emergencies: Insurance must cover a minimum of €30,000 for: 

  •    Emergency medical treatment 
  •    Hospitalisation 
  •    Repatriation (return to home country in case of serious illness or death) 

3. Promote responsible travel: It reduces the risk of visitors becoming stranded or unable to receive medical care due to financial limitations.

Why is it recommended even if not mandatory?

Even if you don’t need a visa, buying travel insurance is wise because:

  • Medical care in Europe can be expensive for non-residents.
  • It offers financial protection against:

  •    Trip cancellations 
  •    Lost luggage 
  •    Travel delays 
  •    Theft or personal liability

Minimum Insurance Requirements for a Schengen Visa:

  • Coverage of at least €30,000 
  • Valid in all Schengen countries 
  • Covers the entire travel duration 
  • Includes medical emergencies and repatriation

Choosing the right travel insurance ensures that you travel stress-free, with financial protection against uncertainties. Whether travelling domestically or internationally, securing comprehensive coverage is essential. For those seeking a reliable option, Schengen Visa Itinerary services offer extensive protection, seamless claims processes, and affordable premiums, making them a smart choice for all travellers.

These providers may also offer flight reservations and hotel reservations to support visa application requirements.

Summary: 

  • Schengen visa holders: Yes, insurance is mandatory. 
  • Visa-free travellers: Not legally required, but highly advisable.

If you still have questions or need professional assistance with travel insurance for your visa application, feel free to contact the team at Schengen Visa Itinerary.

 

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