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How to Get Travel Insurance for Your Schengen Visa Application?


Every region and country have their own set of rules and regulations to welcome foreigners to their area. However, 26 European countries fall under one region that is the Schengen region. The states that fall under the Schengen region are Austria, Belgium, Czech Republic, Denmark, Estonia, France, Finland, Greece, Germany, Hungary, Italy, Iceland, Liechtenstein, Luxembourg, Latvia, Lithuania, Malta, Norway, Netherlands, Portugal, Poland, Slovenia, Slovakia, Sweden, Switzerland, and Spain. For the majority of the non-U.S. citizens, it is mandatory to buy Schengen Visa Insurance traveling to the Schengen countries. The Schengen visa insurance is also mandatory for U.S. citizen who travels to the Schengen region for more than 90 days.

How to Get Travel Insurance to Complete Schengen Visa Application?

You can apply for travel insurance for your Schengen Visa application online from the insurance provider of your choice. You need to choose an insurance provider that provides comprehensive coverage and meets your requirements for the same. Some of the standard inclusions of Schengen Visa Insurance are as follows:

  1. Coverage for baggage loss/theft
  2. Personal accident cover for partial/permanent disability or death
  3. Medical expenses reimbursement including emergency services and recovery
  4. Trip delay/cancellation reimbursement
  5. Home burglary and other home damage covers

Similarly, some of the common exclusions of travel insurance for Schengen visa include:

  1. Terrorist activities are not covered
  2. Loss or theft of documents that are left unattended in public places shall not be reimbursed
  3. If you do not report the loss of documents to the police within 24 hours of the incident, no coverage will be provided
  4. Checked baggage is excluded from the partial or complete belonging losses reimbursement
  5. Injuries occurred due to the participation in strenuous sports activities are not covered
  6. Pre-existing medical conditions are not covered unless the situation is life-threatening
How to Claim for Schengen Travel Insurance?

You can contact your insurance provider directly in case of emergencies. Many insurance providers also provide international toll-free numbers for people traveling abroad. So, if you are an Indian citizen traveling to the Schengen area, you can contact your insurance provider using the international contact number. For registering a claim, you can also download the claim form from the website of your insurance provider and submit the duly filled form along with the necessary documents. However, you need to collect the contact details and another medium to make claims from your insurance provider before leaving for your trip to avoid any hassles in the future.

Bharti AXA is one of the leading insurance providers in India. You can quickly apply for travel insurance for your Schengen visa application process online with Bharti AXA. With minimal documentation, you can avail your travel insurance and travel stress-free. You can also check out the guide to buying business travel insurance in case you are traveling to the Schengen region for business purposes.

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Disclaimer :The information published on this website is for the public's reference only. Content of this information is to provide an overview of your Insurance needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice for Travel/Health/Motor. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel, services, or any other items mentioned on this subject for any purpose whatsoever.

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