If someone is planning to visit the Schengen Area in Europe, they need to be ready to deal with any unexpected medical costs if they have an accident or get injured. Travellers must purchase travel insurance when they apply for a Schengen visa to ensure they have financial protection and feel secure during their trip.
Schengen Insurance Cost
The cost of Schengen travel insurance may vary depending on factors such as your age, preferred coverage, trip duration, and the insurance provider you choose. Although you can find affordable options for a one-week policy starting at €18-€20.
Schengen Visa Travel Insurance Requirements
To fulfil the requirements for travel insurance for Schengen visa, the following conditions must be satisfied:
- The medical insurance coverage should be a minimum of 30,000 EUR (equivalent to 32,000 USD as of March 2023).
- The insurance policy must provide coverage in all Schengen Area member states.
- The insurance should cover any expenses related to repatriation for medical reasons, emergency hospital treatment, urgent health attention, or death.
Although having travel health insurance benefits all travellers visiting Europe, it is not compulsory for everyone. Only those applying for a Schengen visa must have a travel insurance policy that provides coverage for the whole duration of their stay in Europe, whether they are travelling for business, tourism, studying, holidays, or other purposes.
Travel Insurance Is Must For A Schengen Visa
According to “Regulation (EC) No 810/2009 of EU Parliament and of the Council of July 13 2009,” which became effective on April 5, 2010, individuals seeking a uniform visa for one or two entries must demonstrate that they possess sufficient and current travel medical insurance.
That would cover any possible expenses related to repatriation for medical reasons, urgent medical care, emergency hospital treatment, or death during their stay(s) within the Member States territories. The insurance policy must be valid throughout all of the Schengen Area Member States and should provide coverage for the entirety of the person’s intended stay or transit. The minimum required coverage amount is EUR 30,000.
Where To Get Schengen Travel Insurance?
One of the important things to keep in mind is that the health insurance policy offered by your employer might include coverage for international medical emergencies. However, it’s important to note that such policies often restrict what they cover. Therefore, knowing the coverage limitations is crucial when seeking medical assistance in Schengen territory.
Typically, travelers purchase an individual Schengen travel insurance policy from a reputable insurance provider for their stay in Europe. Selecting an insurance provider licensed and recognized in the Schengen country you intend to visit is essential.
Bottom Line
Getting travel insurance for a six-month-old kid for a Schengen visa is an essential requirement that cannot be overlooked when planning a trip to Europe. The process of acquiring the insurance policy can be overwhelming, but it is not impossible.
It is important to research and compare various insurance policies from different providers to find the best coverage that meets your needs and budget.
Additionally, be sure to read the terms and conditions of the policy carefully to ensure that it covers all the necessary aspects, including medical emergencies and repatriation. With the right travel insurance policy, you can have peace of mind and enjoy a worry-free trip to Europe with your little one.
