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The need for a Schengen Travel Insurance

Category: Travel Insurance Published on: 22 Feb 2021

Schengen Travel Insurance in UAE

A Schengen travel insurance has become a mandate while traveling to any of the European countries, which are the most sought-after tourist destinations. The Schengen country law mandating travel insurance was formulated because travelers may fall ill during their vacation and would need urgent medical care. Recovery can become exceedingly difficult if vacationers cannot afford the expensive medical treatment in the country they are touring.

Travel and medical insurance offer numerous benefits for every traveler embarking on a journey to Europe. Whether you are traveling alone or along with your family, here are some basics to help you understand the significance of Schengen travel insurance.

What is Schengen Travel Insurance?

– Schengen travel insurance provides you with travel and medical insurance for all the 26 countries that make up the Schengen area and covers you for trips within the zone.

– The list of the 26 countries under Schengen zone are: Austria, Belgium, The Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.

The key benefits of a Schengen travel insurance

– The European Union (EU) countries have made the Schengen travel insurance a rule for the validity of the Schengen visa. Buying the travel insurance is a prerequisite for the visa process.

– The insurance policy will allow you to fully enjoy your travel to the Schengen states with peace of mind. The plan offers security and peace of mind should something go wrong on the trip.

– Possessing the travel insurance will help travelers get immediate and necessary medical attention, before heading to their home country for further treatment.

– The coverage includes medical needs, cancellation or trip interruption, accidents, passport, or baggage loss. Some might even cover terrorist acts and acute dental treatments.


– Minimum medical coverage of €30,000.
– Medical emergencies and treatment.
– Acute anesthetic treatment of teeth due to an injury.
– Accidental bodily injury during an overseas trip.
– Emergency medical evacuation and repatriation.
– Flight cancellation, delays, and interruption.
– Cost of obtaining a fresh passport in case of passport loss.
– Total loss of checked-in baggage by a carrier.
– Compensation to a third-party in case your involuntary actions cause injury, death or damage to property of a third-party.
– Hijack.


– Pre-existing diseases unless it puts life in danger.
– Pregnancy related complications.
– Suicide, self-inflicted injuries or illnesses and mental disorder.
– Adventure and high-risk sports like skiing, scuba diving, paragliding and so forth.
– Travel to a high-risk area where there is an outbreak of war or riots.
– Seeking medical attention even when it is not an emergency, such as a travel to specifically visit a doctor or hospital.

The next time you embark on a journey to Europe, secure your family trips with a standard Schengen travel insurance for a stress-free experience.

If you are planning an overseas trip in the near future, get in touch with our expert insurance agents to help you choose the best travel insurance plan that perfectly fits your needs.

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