While the specific coverage and exclusions may vary depending on the insurance provider and policy, there are some common exclusions or optional coverage in Schengen insurance policies. These may include:
Pre-existing medical conditions: Some insurance policies may exclude coverage for pre-existing medical conditions or offer it as an optional add-on with additional premium.
High-risk activities: Certain hazardous activities such as extreme sports or adventure activities may not be covered by default. If you plan to engage in such activities, you may need to purchase additional coverage or a specific policy.
War or acts of terrorism: Coverage for injuries or emergencies caused by war, terrorism, or civil unrest may be excluded or limited in some policies.
Travel to high-risk countries: If you plan to travel to countries or regions that are deemed high-risk due to political instability or security concerns, coverage for those areas may be excluded.
Non-emergency medical treatments: Routine medical treatments or elective procedures that are not deemed medically necessary may not be covered.
It’s important to carefully review the terms and conditions of your insurance policy to understand what is included, excluded, or offered as optional coverage. If there are specific concerns or requirements, it’s advisable to communicate with the insurance provider directly to clarify any doubts before purchasing the policy.
