Passport & Consular Services

What Does Schengen Insurance Policy Usually Cover?

A typical Schengen insurance policy, also known as travel health insurance, provides coverage for various aspects of your trip within the Schengen Area. While coverage may vary among different insurance providers and specific policy plans, here are the common areas that are typically covered:

Medical Expenses: This includes coverage for emergency medical treatment, hospitalization, surgery, and medication expenses during your stay in the Schengen Area.

Emergency Medical Evacuation: If you require emergency transportation to a medical facility or repatriation to your home country due to a medical emergency, the policy may cover the costs.

Repatriation of Remains: In the unfortunate event of death during your trip, the policy may cover the costs of returning your remains to your home country.

Trip Cancellation or Interruption: Some policies provide coverage for trip cancellations or interruptions due to unforeseen events such as illness, injury, or death of a family member.

Baggage and Personal Belongings: Coverage for loss, theft, or damage to your baggage and personal belongings during your trip.

Personal Liability: Coverage for legal liabilities arising from bodily injury or property damage caused to others during your trip.

24/7 Emergency Assistance: Access to a helpline for emergency assistance and support services while traveling.

It’s important to carefully review the policy terms and conditions to understand the specific coverage details, limitations, and exclusions of your chosen insurance plan. Different insurance providers may offer variations in coverage and policy terms, so it’s recommended to compare multiple options and choose the one that best suits your needs.

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