2024 Update: Essential Guide to Schengen Travel Insurance – How to Select the Right Policy to Ensure Visa Approval

2024 Update: Essential Guide to Schengen Travel Insurance – How to Select the Right Policy to Ensure Visa Approval

Key Points

1. Schengen travel insurance is required for visa applicants.
2. As of June 2024, the policy must cover at least €30,000 in medical costs.
3. It must cover the entire stay and be valid in all Schengen member countries.

Changes Starting June 11, 2024

- Schengen visa fees increase by 12%, costing €90 for adults and €45 for children aged 6 to 12.
- Understanding travel insurance requirements is crucial to avoid visa denial.

Who Processes Your Application

- The responsible authority depends on your federal state, city, or district.
- Transferring applications is possible if you move, but it may extend processing times.

Purchasing Insurance Tips

- Ensure the policy covers €30,000 in medical costs.
- It must be valid for the entire stay and all Schengen states.
- Check the provider's reputation and coverage details.

Common Mistakes

- Not checking coverage requirements.
- Ignoring policy validity dates.
- Choosing the cheapest policy without adequate coverage.
- Last-minute purchases.
- Providing false information or hiding medical history.

Best Time to Purchase

- After travel arrangements but before the visa interview.

FAQs

- UK citizens do not need Schengen travel insurance for short stays.
- Multiple-entry visa applicants should obtain year-round coverage.
- Insurance can often be modified if travel plans change.
- Refunds are possible if the visa is denied.
- Some policies cover COVID-19-related expenses.

Insurance Providers

- Europ Assistance
- Mutuaide Basic
- Allianz Travel
- AXA

Cheap Options:

- World Trips – Atlas Travel
- Europ Assistance – Schengen Insurance
- Mondialcare – Schengen Insurance Premium
- AXA – Silver
- Allianz – Schengen Insurance Single Trip

Additional Coverage

- Emergency evacuation, repatriation, accidental death, and more.
- Extra insurance for pre-existing conditions and risky sports.

Purchasing for Family

- You can buy insurance for family members by providing their correct details.

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