Europe is a historically and culturally rich destination, and to explore this untouched beauty, securing a Schengen travel visa is important. However, there's a major requirement to acquire this visa - valid travel insurance. So whether you are visiting France, Germany or another Schengen country, insurance is a non-negotiable part of this deal. In this blog, we will walk you through the importance of insurance in the Schengen tourist visa, which allows you to remain compliant and travel stress-free.

Schengen Travel Visa: Why is Travel Insurance Mandatory?

When travelling to Europe and applying for the Schengen tourist visa, maintaining sufficient funds for insurance is mandatory. The core idea of the whole travel insurance is to provide you with financial cover during emergency conditions like medical emergencies, accidents, or repatriation without depending on the host country’s healthcare system.

When you get travel insurance then your application for the Europe travel visa becomes much stronger and helps you keep your peace of mind while exploring cities like Paris, Berlin, or Rome.

Europe Travel Visa: Schengen Visa Requirements 

There is a set of Schengen visa requirements that you need to fulfil to get your visa application approved. 

• A minimum coverage of €30,000 is required for medical emergencies. 

• Insurance for emergency medical evacuation and repatriation. 

• It must be valid across all 27 Schengen countries. 

• It must not have a deductible clause, and all costs should be covered. 

When you proceed with a Germany Schengen visa, your insurance plan must meet the following criteria. 

Schengen Tourist Visa: Key Points to Remember While Buying Travel Insurance

Before you go on getting an insurance policy for yourself, get a Schengen travel visa. Here are the key points that you need to remember: 

• Pick an authorised insurance company operating in the Schengen region. 

• Double-check the coverage amount and duration. 

• Ensure that pre-existing conditions are disclosed

• Keep a hard copy of your Insurance with you all the time. 

When you are travelling to the Schengen countries, then you need to have an insurance policy that covers all your destinations under a Europe travel visa.

Schengen Travel Visa: Can You Get Schengen Insurance from India?

In India, several insurers provide you insurance for Schengen travellers. Insurance is mandatory for Schengen visa requirements, and companies like Tata AIG, ICICI Lombard, and Bajaj Allianz offer you European travel visa insurance that adheres to the required standards. You can even get this insurance via an online agent. 

If you're applying for the Germany Schengen visa, for instance, make sure that your insurer clearly states German and covers all the German territories that are recorded as Schengen Zone. Ensuring this detail is correct will significantly improve your chances of a smooth visa approval process.

Schengen Visa France: Insurance Tips 

Each of the Schengen countries has unique rules, but the insurance requirements remain similar in all of the Schengen zones. 

• To get a Schengen visa France make sure to consult with a registered insurance company from France. This ensures your policy meets all necessary conditions specific to French authorities, reducing the risk of delays or rejection.

• To get a Germany Schengen visa, the official German Mission India website for updated insurance companies. The list provided there includes authorized providers whose plans are accepted by German consulates, ensuring a smoother application process.

Apply for the insurance a month or two before you apply for the Schengen tourist visa because, in the absence of this document, your visa application will get rejected.  Early preparation gives you ample time to compare plans, gather necessary documents, and avoid last-minute hassles, making your travel planning stress-free and efficient.

Conclusion 

Having insurance is crucial for applying for a Schengen Travel Visa. It is not just a formality but a mandatory requirement that ensures your financial protection during your trip. So, no matter what you are planning, make sure you have travel insurance before taking a summer vacation to see the Eiffel Tower or a winter vacation to Berlin.  A suitable insurance plan guarantees that you can manage any medical emergency while travelling around Europe and increases your chances of obtaining a Schengen tourist visa. 

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FAQs

Q: Is travel insurance important for travelling across Schengen countries?

Yes, whether it's a long-term expedition plan or a short vacation plan, you need a Schengen travel visa alongside an insurance policy to travel safely. 

Q: Is it possible to get a refund on insurance if my visa is denied?

A few insurance companies do offer refunds upon providing proof of visa rejection. However, it's important to read the clauses before you purchase the insurance policy. 

Q: Do Indian citizens need insurance to travel in the Schengen area? 

Yes, insurance is mandatory to get a Schengen tourist visa.