The Best Schengen Travel Insurance Plans in 2025
- Insurance approved for the Schengen visa
- Immediate confirmation by email
- Refund requests directly online
- Refunds possible in a currency other than the euro
- Insurance approved for the Schengen visa
- Immediate confirmation by email
- Refund requests directly online
- Refunds possible in a currency other than the euro
The ACS - Europax offer provides coverage for medical expenses abroad up to €30,000 per insured person, with a deductible of €30, which is the same as AXA - Visa Schengen - Schengen Low Cost and Assur Travel - Impact Schengen - Essential, but lower than AXA - Visa Schengen - Schengen Europe Travel and Mondial Care - Visa Schengen - Option Premium, which offer up to €100,000. Regarding legal liability, ACS - Europax offers high coverage of €4,575,000, which far exceeds Mondial Care - Visa Schengen - Premium option, which covers up to €1,500,000. However, ACS - Europax does not offer cancellation insurance, unlike some competing offers that include this guarantee.
The price of ACS - Europax is €30.20, which is competitive compared to AXA - Visa Schengen - Schengen Low Cost at €55.00 and significantly cheaper than AXA - Visa Schengen - Schengen Europe Travel at €81.00. However, it is slightly lower than Mondial Care - Visa Schengen - Option Confort at €34.00.
The ACS - Europax offer is suitable for non-European travellers who need insurance that meets the requirements of the Schengen visa, with excellent coverage for medical emergencies and high liability coverage at a competitive price.
- Insurance accepted for a Schengen visa
- Refund if visa is refused (-€15)
- Immediate statement approved by consulates
- Repatriation guarantee after hospitalisation in your country of origin
- 24/7 Assistance
- Does not cover pre-existing conditions
- Insurance accepted for a Schengen visa
- Refund if visa is refused (-€15)
- Immediate statement approved by consulates
- Repatriation guarantee after hospitalisation in your country of origin
- 24/7 Assistance
The Chapka - Cap Schengen insurance provides coverage for medical expenses abroad up to €30,000 per insured person with a deductible of €80, which is standard compared to other offers like AVA Assurances - Ava Incoming Classic and Europ Assistance - Visa Schengen - Schengen. Medical repatriation is covered at actual cost, which offers premium coverage similar to Assur Travel - Impact Schengen - Essential and AVA Insurances - Ava Incoming Safe & Health. However, this offer does not cover trip cancellation, liability, loss or theft of luggage, or interruption of stay, making it less comprehensive than offers like ACS - Europax, which includes liability coverage up to €4,575,000 per insured person.
The price of Chapka - Cap Schengen insurance is €58.00, which is more expensive than competing offers such as Assur Travel - Impact Schengen - Essential at €37.00 and ACS - Europax at €30.20. On the other hand, it is cheaper than the AXA - Visa Schengen - Schengen Europe Travel insurance at €81.00.
This offer is suitable for non-European travellers planning a trip to the Schengen area, as it meets Schengen visa requirements with adequate coverage for medical expenses and medical repatriation.
- Insurance accepted for the Schengen visa
- Immediate confirmation by email
- 24/7 unlimited medical assistance by phone
- Insurance accepted for the Schengen visa
- Immediate confirmation by email
- 24/7 unlimited medical assistance by phone
Mondial Care - Visa Schengen - Option Confort offers solid guarantees for non-European travellers visiting the Schengen area, with a medical expenses ceiling abroad of €100,000, higher than ACS - Europax and Assur Travel - Impact Schengen - Essentiel which only offer €30,000. However, private liability insurance is covered up to €1,500,000, less than the €4,575,000 offered by ACS - Europax. Medical repatriation is covered without cost limit, similar to most other offers. However, the offer does not cover luggage, cancellation or interruption of stay, which may be a disadvantage for some travellers.
The price of Mondial Care - Visa Schengen - Option Confort is €34.00, which is competitive compared to other offers such as Assur Travel - Impact Schengen - Premium for €44.00 and AXA - Visa Schengen - Schengen Europe Travel for €81.00, although slightly more expensive than ACS - Europax for €30.20.
This offer is well suited for the non-European traveller who needs high medical cover and adequate liability insurance for a three-week stay in the Schengen area.
- Insurance accepted for Schengen visa
- Immediate certificate approved by consulates
- €3,000 legal assistance
- 24/7 unlimited telephone medical advice
- Insurance accepted for Schengen visa
- Immediate certificate approved by consulates
- €3,000 legal assistance
- 24/7 unlimited telephone medical advice
Mondial Care - Visa Schengen - Premium option offers coverage for medical expenses abroad of €100,000 per insured person, which is higher than the €30,000 of ACS - Europax and equivalent to AXA - Visa Schengen - Schengen Europe Travel. Regarding legal liability, it offers coverage of €1,500,000, less than the €4,575,000 offered by ACS - Europax, but more than most other competitors who do not cover this guarantee. Medical repatriation is covered against actual costs, a standard among premium offers. However, guarantees such as cancellation and baggage cover are lacking, unlike Chapka - Cap Academy, which covers baggage up to €3,000.
The price of Mondial Care - Visa Schengen - Premium option is €47.00, which is competitive compared to Assur Travel - Impact Schengen - Summum at €48.00 and significantly cheaper than AXA - Visa Schengen - Schengen Europe Travel at €81.00. However, it is more expensive than Mondial Care - Visa Schengen - Option Confort at €34.00 and ACS - Europax at €30.20.
This offer is suitable for non-European citizens travelling in the Schengen area, as it meets the requirements for a Schengen visa and provides adequate medical cover and liability cover.
- Insurance accepted for the Schengen visa
- Refund in case of visa refusal (-€15)
- Immediate certificate approved by the consulates
- 24/7 repatriation assistance
- Insurance accepted for the Schengen visa
- Refund in case of visa refusal (-€15)
- Immediate certificate approved by the consulates
- 24/7 repatriation assistance
Chapka - Cap Europa provides coverage for medical expenses abroad up to €70,000 per insured, with a deductible of €80, which is lower than ACS - Globe Partner and Mondial Care - World Travel which offer €300,000 and €300,000 respectively, without any deductible for the first and €50 for the second. Regarding medical repatriation, Chapka - Cap Europa covers the actual costs, similar to ACS - Globe Traveller and Mondial Care - World Travel. However, Chapka - Cap Europa does not cover luggage, unlike ACS - Globe Traveller which offers coverage of €2,000 per claim, and Mondial Care - World Travel which offers €1,000. Furthermore, cancellation insurance is not covered by Chapka - Cap Europa, while ACS - Globe Traveller provides coverage up to €9,000 per insured.
Chapka - Cap Europa is suitable for travellers journeying around the world for a year who prioritise medical coverage and repatriation, but they may encounter limitations due to the absence of coverage for luggage and cancellation.
- The Best Schengen Travel Insurance Plans
- What is Schengen travel insurance?
- The price of Schengen travel insurance
- What does Schengen travel insurance cover?
- The conditions of Schengen travel insurance
- The importance of Schengen travel insurance
- How to choose the right Schengen travel insurance
- Do your current insurance policies cover Schengen travel insurance?
- FAQ
Schengen travel insurance: key takeaways
1. Definition: Schengen travel insurance is mandatory medical cover for visiting Europe's Schengen Area, meeting specific EU requirements.
2. Price: A one-week policy from Singapore typically costs between 45 and 75 SGD, depending on the insurer.
3. Coverage: It covers medical emergencies and repatriation but often excludes pre-existing conditions and high-risk activities.
4. Bank cards and health insurances: Medisave, Medishield Life, and bank cards offer insufficient or no coverage for Schengen travel requirements.
5. Tips: Verify your policy meets the minimum €30,000 medical coverage and is valid for your entire stay.
6. Other useful info: Singaporeans don't need a visa but insurance is highly recommended for medical protection abroad.
Why trust HelloSafe ?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 38 travel insurance policies available in Singapore, our experts share here everything you need to know to choose the best Schengen travel insurance.
The Best Schengen Travel Insurance Plans
Here is a selection of the best Schengen travel insurance plans available for travellers from Singapore in 2025. These policies are notable for their high medical reimbursement limits, low deductibles and clear, straightforward terms.
| Contract we recommend | Medical reimbursement | Deductible | Advantages |
|---|---|---|---|
| HelloTravel Premium | SGD 98,000 | SGD 0 | • Wide acceptance at embassies. • Easy online claims process. • Multi-language customer support. • Includes optional family coverage. |
| Cap Assistance 24/24 | SGD 98,000 | SGD 0 | • Quick online certificate delivery. • Complies with all Schengen visa requirements. • Assistance hotline 24/7. • No age limit for coverage. |
| Tourist Card | SGD 49,000 | SGD 45 | • Flexible period selection. • Covers minor sports activities. • 24/7 medical assistance. • Fast reimbursement procedure. |
| World Travel | SGD 68,000 | SGD 75 | • Includes COVID-19 hospital cover. • Global emergency evacuation. • Luggage protection. • Assistance in English. |
| Globe Partner | SGD 29,000 | SGD 0 | • Online subscription in minutes. • No deductible for medical claims. • Valid for all visa types. • Family pricing available. |
| Globe Traveller | SGD 49,000 | SGD 0 | • Suitable for long trips. • No waiting period. • Policy available for seniors. • Support for digital documents. |
• Easy online claims process.
• Multi-language customer support.
• Includes optional family coverage.
• Complies with all Schengen visa requirements.
• Assistance hotline 24/7.
• No age limit for coverage.
• Covers minor sports activities.
• 24/7 medical assistance.
• Fast reimbursement procedure.
• Global emergency evacuation.
• Luggage protection.
• Assistance in English.
• No deductible for medical claims.
• Valid for all visa types.
• Family pricing available.
• No waiting period.
• Policy available for seniors.
• Support for digital documents.
The best Schengen travel insurance for each traveller will depend on personal needs. We invite you to use HelloSafe’s travel insurance comparison tool to find your ideal plan and subscribe directly online.
Compare the best travel insurance for freeI compareWhat is Schengen travel insurance?
Schengen travel insurance is a mandatory insurance policy required for travellers visiting the Schengen Area, covering at least €30,000 in emergency medical expenses and repatriation.
Its purpose is to ensure visitors have financial protection for unforeseen medical incidents or accidents while in Europe.
The insurance must be valid for the entire trip, across all 27 Schengen countries, and cover the full visa period.
This coverage is often called “Europe travel insurance” or “Schengen visa insurance” in Singapore.
Expert advice
Here are the situations where taking out Schengen travel insurance is especially recommended if you live in Singapore:
- When applying for a Schengen visa, as it is mandatory.
- To cover potentially high medical costs in the Schengen Area.
- For covering expensive medical repatriation costs back to Singapore.
- When your local or card insurance has insufficient overseas coverage.
- If you have a pre-existing medical condition needing coverage.
- To protect non-refundable trip costs like flights and hotels.
- When participating in adventure sports like skiing or hiking.
The price of Schengen travel insurance
On average, Schengen travel insurance costs between 3% and 6% of your total trip price.
| Trip | Trip cost | Indicative price per person |
|---|---|---|
| 4 days in Paris | SGD 1,000 | SGD 30 to SGD 60 |
| 10 days in Italy (Rome and Florence) | SGD 2,600 | SGD 80 to SGD 160 |
| 2 weeks multi-country in Europe | SGD 3,200 | SGD 95 to SGD 180 |
| 3 weeks in Germany and France | SGD 4,800 | SGD 140 to SGD 290 |
These prices are provided as an indication and may vary depending on the type of plan chosen (standard or premium) and the specific conditions of each insurer.
The price of your Schengen travel insurance depends on several factors:
- trip duration: longer stays require a higher total premium.
- traveller’s age: older travellers often pay more due to increased risk.
- coverage level: comprehensive plans with higher limits and fewer exclusions increase the cost.
- medical history: pre-existing conditions may raise the premium or require additional coverage.
- chosen options: extra services like adventure sports, or “cancel for any reason” options increase prices.
What does Schengen travel insurance cover?
Schengen travel insurance is a mandatory insurance policy for travelers who need a Schengen visa to visit Europe. It must meet strict requirements to be accepted by Schengen consulates and is valid for all 27 Schengen countries.
| Covered guarantee | Definition | Expert advice |
|---|---|---|
| 🏥 Emergency medical expenses | Key guarantee. Covers urgent medical treatment and hospital stays abroad. | 🔴 Required for Schengen visa. Minimum recommended: SGD 43k, deductible not above SGD 150. Routine care, pre-existing conditions, and chronic illness are typically excluded. |
| 🚑 Medical repatriation | Key guarantee. Pays for your medically necessary transport back to Singapore. | 🔴 Required for Schengen visa. This should be unlimited or at least SGD 43k, with no deductible. Voluntary returns and refusal of repatriation are excluded. |
| 🦷 Emergency dental care | Covers urgent dental treatment for pain relief during your trip. | 🔴 Required for Schengen visa. At least SGD 800 is recommended. Deductibles should not exceed SGD 30. Cosmetic or non-urgent dental work is excluded. |
| 🧳 Baggage loss or delay | Protection if your luggage is lost, stolen, or delayed while traveling. | Not required by Schengen, but SGD 1k minimum is wise. Deductible below SGD 30 is best. Unattended or high-value items are commonly excluded. |
| 🚫 Trip cancellation | Refunds your costs if you must cancel before departure for specific serious reasons. | Not mandatory, but SGD 2k minimum is advised. Deductibles over SGD 50 are not recommended. Changes of mind and visa denial are not covered. |
| ✈️ Travel delay | Pays a fixed amount for long flight or train delays. | Add at least SGD 100 after 4 hours of delay, no deductible. Shorter delays or those without proof are not covered. |
| 🧍♂️ Personal liability abroad | Covers injury or damage you unintentionally cause to others abroad. | Not required for Schengen but at least SGD 65k is useful. Deductibles should not exceed SGD 100. Damages to family or rented property are excluded. |
| ⚖️ Legal assistance abroad | Pays legal fees abroad after an incident, such as a dispute or accident. | Not required for Schengen but choose at least SGD 4k legal cost cover, SGD 8k for bail. Criminal acts, intoxication, and pre-existing disputes are often excluded. |
| ⏰ 24/7 emergency assistance | Offers round-the-clock access to help and coordination for any urgent issue abroad. | 🔴 Required for Schengen visa. This must be unlimited with free international calls. Non-urgent requests and pre-trip advice are not included. |
Minimum recommended: SGD 43k, deductible not above SGD 150.
Routine care, pre-existing conditions, and chronic illness are typically excluded.
This should be unlimited or at least SGD 43k, with no deductible.
Voluntary returns and refusal of repatriation are excluded.
At least SGD 800 is recommended. Deductibles should not exceed SGD 30.
Cosmetic or non-urgent dental work is excluded.
Unattended or high-value items are commonly excluded.
Changes of mind and visa denial are not covered.
Shorter delays or those without proof are not covered.
Damages to family or rented property are excluded.
Criminal acts, intoxication, and pre-existing disputes are often excluded.
This must be unlimited with free international calls.
Non-urgent requests and pre-trip advice are not included.
Reimbursement limits vary depending on the insurer and the plan selected (eco, standard, premium). They must always be checked in the general terms and conditions.
To choose the Schengen travel insurance that truly matches your needs for Europe, compare different plans easily on HelloSafe.
The conditions of Schengen travel insurance
To be valid, Schengen travel insurance from Singapore must meet certain strict conditions set by European authorities.
- Minimum coverage amount: your insurance must cover at least €30,000, or about SGD 43,000, for each traveler.
- Geographical validity: your policy must be valid across all 27 Schengen countries for the entire trip duration.
- Mandatory guarantees: emergency medical expenses, hospitalization, emergency dental care, and medical repatriation to Singapore must be included.
- Duration of coverage: your policy must cover you for the entire period shown on the visa application.
- Purchase timing: you must buy the policy before leaving Singapore, not after arrival in Europe.
- No exclusions for pre-existing conditions without disclosure: if there are exclusions for declared conditions, they must be clearly stated and accepted by the insured.
- No territorial or duration restrictions: the policy cannot exclude any part of Schengen territory or limit visits to certain member states.
- Proof of insurance: you must show an official certificate or confirmation when applying for the Schengen visa.
Watch out!
Many Singaporeans assume their credit card's travel insurance is sufficient for Europe. A common oversight is that these policies often fail to meet the required €30,000 medical and repatriation coverage for the Schengen Area, leaving you financially exposed. Always verify your policy meets these specific requirements.
The importance of Schengen travel insurance
Schengen travel insurance is mandatory to obtain a Schengen visa for travel to the Schengen Area from Singapore.
Even minor accidents or illnesses can lead to substantial unforeseen costs when travelling in Europe, and you are responsible for these if uninsured.
Here are some examples of healthcare costs abroad:
| Type of treatment | Average cost in the Schengen Area | Covered by insurance |
|---|---|---|
| Foot sprain (X-ray and consultation) | $300 to $500 | Up to $43,000 |
| Medical repatriation | $50,000 to $100,000 | Up to $43,000 or 100% |
| Appendicitis surgery and hospitalisation | $8,000 to $15,000 | Up to $43,000 |
| Stitches after a fall | $400 to $700 | Up to $43,000 |
| Emergency tooth extraction | $300 to $600 | Partial, subject to plan limits |
Coverage varies greatly depending on the plan chosen (standard or premium) and the insurer. Refer to the general conditions and always compare with tools like HelloSafe.
Schengen travel insurance can also include other useful guarantees: trip cancellation, loss or delay of baggage, civil liability, 24/7 emergency assistance and personal accident cover. These benefits help protect your health, travel plans and finances during your stay.
Good to know
A medical emergency in Europe can be costly—an appendicitis surgery can reach SGD 15,000. Schengen insurance is mandatory for your visa and covers at least €30,000 in medical fees. Insurers like Chapka ensure you meet all requirements for a worry-free trip to France or Italy.
How to choose the right Schengen travel insurance
Coverage limits, deductibles, and claim conditions can vary widely between Schengen travel insurance plans.
It is crucial to compare these criteria and confirm legal requirements to avoid unpleasant surprises during your stay in Europe.
| Criterion | Why it matters | Expert tip |
|---|---|---|
| 💶 Reimbursement limits | Schengen visa requires a minimum €30,000 (about SGD 43,000) for medical expenses. | Choose policies with at least SGD 50,000 coverage to exceed basic requirements for serious incidents. |
| 📉 Deductible | A high deductible means you pay more out of pocket during a claim. | Select policies with no or low deductibles for medical claims to reduce out-of-pocket costs. |
| 🔄 Policy conditions | Some benefits only apply if you buy coverage before leaving Singapore. | Always purchase your policy before departure to ensure all coverage takes effect for your full trip. |
| 👵 Traveller’s age | Seniors may face higher premiums or exclusions. | Check for age restrictions and verify the insurer offers adequate coverage for older travelers. |
| 👨👩👧 Traveller profile | Families, couples and solo travelers have different needs. | Pick a plan matching your travel party, for example, with family or child coverage if relevant. |
| 📆 Trip duration | Long trips might exceed standard coverage periods. | Ensure your policy covers your complete stay in the Schengen Area without gaps. |
| 🌍 Geographic area | Coverage must be valid in all 27 Schengen countries. | Verify your policy lists “Schengen Area” as covered, not just one European country. |
| 🛡️ Existing coverage | Singapore health or credit card insurance is often insufficient for Schengen requirements. | Always review your existing plans before buying new insurance, but do not rely only on cards. |
| 🧗 Planned activities | Winter sports and adventure activities are often excluded from standard plans. | Inform your insurer about high-risk activities and buy additional options if you plan these. |
Do your current insurance policies cover Schengen travel insurance?
It is understandable to wonder whether existing insurance, like credit card coverage or public health insurance, is enough for a Schengen trip, but unfortunately this is rarely sufficient for required guarantees.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Schengen travel insurance included? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medisave/Medishield Life) | Never | No coverage for medical expenses or repatriation outside Singapore. Does not cover medical costs abroad, repatriation, trip interruption, or liability. | Travel insurance covers up to $150,000 SGD, including emergency, repatriation, cancellation, lost baggage, and more. |
| Private health insurance (Great Eastern, AIA Singapore) | Almost Never | Limited emergency medical care, with low maximums (often $10,000 - $50,000 SGD). No repatriation, travel liability, or trip cancellation cover. | Travel insurance reimburses up to $150,000 SGD for medical and repatriation, plus personal liability and cancellation. |
| Classic credit card (DBS, OCBC) | Never | Medical cover only if travel is paid with the card, very limited (often $10,000 - $25,000 SGD). No guaranteed repatriation or visa-compliant cover. | Travel insurance gives cover up to $150,000 SGD, always includes repatriation and complies with Schengen regulations. |
| Premium credit card (Citibank, HSBC) | Limited Coverage | Emergency medical benefits, baggage, and some cancellation ($20,000 - $100,000 SGD), but policy gaps remain. No repatriation and limited assistance. | Travel insurance can provide up to $150,000 SGD as well as repatriation, trip interruption, personal liability, and more. |
Does not cover medical costs abroad, repatriation, trip interruption, or liability.
No repatriation, travel liability, or trip cancellation cover.
No guaranteed repatriation or visa-compliant cover.
No repatriation and limited assistance.
Expert advice
Trip interruptions for a relative’s illness or death are often excluded from bank card and health insurance policies. Read the conditions carefully to avoid surprises abroad. In all cases, it is safer and more reassuring to subscribe a dedicated travel insurance tailored to the trip.
FAQ
Is Schengen travel insurance mandatory?
Schengen travel insurance is mandatory for anyone applying for a Schengen visa, regardless of purpose—tourism, study, or business. While Singapore passport holders can enter Schengen countries without a visa for up to 90 days, insurance is still strongly recommended. Medical emergencies in Europe can be very expensive, making adequate insurance crucial.
When is it recommended to purchase Schengen travel insurance?
It is recommended to purchase Schengen travel insurance as soon as you book your trip or start your visa application process. This ensures that you have immediate coverage for trip cancellation or unexpected illness before departure. Early purchase also helps avoid any last-minute issues with your visa application or travel documents.
How do I purchase Schengen travel insurance?
Start by comparing different policies using HelloSafe’s travel insurance comparison platform. Always check that the guarantees and exclusions meet Schengen visa requirements, such as medical and repatriation cover. You can complete the purchase online, and your insurance certificate will be sent to you immediately for your visa or travel.
Can I purchase Schengen travel insurance after booking my trip?
Yes, you can purchase Schengen travel insurance after you book your trip or even after your visa application is submitted. However, for optimum benefits like trip cancellation coverage, it is best to buy soon after your first travel payment to ensure you are fully protected against possible disruptions before departure.
How do I make a claim with Schengen travel insurance?
To make a claim, gather all necessary documents such as medical reports, receipts, or police statements if relevant. Contact your insurance provider as soon as possible and follow their instructions for submission. Most insurers allow claims to be filed online or through a mobile app, which simplifies the process.
Are pre-existing medical conditions covered by Schengen travel insurance?
Most Schengen travel insurance policies exclude pre-existing medical conditions unless you purchase additional coverage or a specialized policy. Always declare any pre-existing conditions to your insurer at the time of purchase and read the policy documents to understand what is included or excluded for your situation.
Does Schengen travel insurance cover multiple countries in Europe?
Yes, Schengen travel insurance is specifically designed to cover all 27 countries in the Schengen Area, not just a single destination. Make sure your policy states that coverage is valid throughout the entire Schengen zone and for the full length of your trip, even if you are visiting several countries.
Is Schengen travel insurance mandatory?
Schengen travel insurance is mandatory for anyone applying for a Schengen visa, regardless of purpose—tourism, study, or business. While Singapore passport holders can enter Schengen countries without a visa for up to 90 days, insurance is still strongly recommended. Medical emergencies in Europe can be very expensive, making adequate insurance crucial.
When is it recommended to purchase Schengen travel insurance?
It is recommended to purchase Schengen travel insurance as soon as you book your trip or start your visa application process. This ensures that you have immediate coverage for trip cancellation or unexpected illness before departure. Early purchase also helps avoid any last-minute issues with your visa application or travel documents.
How do I purchase Schengen travel insurance?
Start by comparing different policies using HelloSafe’s travel insurance comparison platform. Always check that the guarantees and exclusions meet Schengen visa requirements, such as medical and repatriation cover. You can complete the purchase online, and your insurance certificate will be sent to you immediately for your visa or travel.
Can I purchase Schengen travel insurance after booking my trip?
Yes, you can purchase Schengen travel insurance after you book your trip or even after your visa application is submitted. However, for optimum benefits like trip cancellation coverage, it is best to buy soon after your first travel payment to ensure you are fully protected against possible disruptions before departure.
How do I make a claim with Schengen travel insurance?
To make a claim, gather all necessary documents such as medical reports, receipts, or police statements if relevant. Contact your insurance provider as soon as possible and follow their instructions for submission. Most insurers allow claims to be filed online or through a mobile app, which simplifies the process.
Are pre-existing medical conditions covered by Schengen travel insurance?
Most Schengen travel insurance policies exclude pre-existing medical conditions unless you purchase additional coverage or a specialized policy. Always declare any pre-existing conditions to your insurer at the time of purchase and read the policy documents to understand what is included or excluded for your situation.
Does Schengen travel insurance cover multiple countries in Europe?
Yes, Schengen travel insurance is specifically designed to cover all 27 countries in the Schengen Area, not just a single destination. Make sure your policy states that coverage is valid throughout the entire Schengen zone and for the full length of your trip, even if you are visiting several countries.
