Travel insurance: Schengen

Key takeaways

• Travel insurance is a legal requirement for obtaining a Schengen visa. It covers medical treatment, repatriation, and other emergencies while traveling in the Schengen area.

• The Schengen Area consists of 26 European countries that have officially abolished passport and immigration controls at their mutual borders.

• The cost of travel insurance depends on various factors such as your age, travel destination, the duration of your trip, and the activities you plan to do.

Introduction to the Schengen Area

The concept of a borderless Europe has been brought to life through the Schengen Area, a remarkable agreement among 26 European countries. This initiative has simplified travel for millions, allowing for the free movement of people across national borders without the hassle of border checks. The Schengen Agreement laid the foundation for this area, creating a contiguous zone of free movement and travel. Notably, the United Kingdom opted out of this agreement and therefore, isn't part of the Schengen zone.

Countries Participating in the Schengen Agreement

The Schengen Agreement is a testament to European unity, encompassing a diverse group of countries, including:

• Austria

• Belgium

• Czech Republic

• Denmark

• Estonia

• Finland

• France

• Germany

• Greece

• Hungary

• Iceland

• Italy

• Latvia

• Liechtenstein

• Lithuania

• Luxembourg

• Malta

• Netherlands

• Norway

• Poland

• Portugal

• Slovakia

• Slovenia

• Spain

• Sweden

• Switzerland

Travellers within these countries enjoy the convenience of crossing borders as if they were non-existent, making travel seamless and more efficient.

EU countries excluded from the Schengen agreement

Despite the extensive reach of the Schengen Agreement, not all EU countries are participants. Bulgaria, Croatia, Cyprus, Ireland, and Romania have not yet joined the Schengen zone. However, citizens from these nations still benefit from the right to move freely within the EU, upholding the spirit of mobility and cooperation that the EU stands for.

Visa requirements for the Schengen area

Entering the Schengen Area is not a free-for-all affair, especially for non-EU citizens who typically require a visa. This requirement is a standard procedure to manage and monitor the influx of travellers from outside the EU, ensuring safety and order within the zone.

How to obtain a Schengen visa

For non-EU citizens eyeing a European adventure within the Schengen Area, a Schengen visa is a key to unlocking this experience. Here's what you'll need to apply:

• A fully completed visa application form

• A valid passport that won't expire during your visit

• Two identical passport-sized photographs

• A detailed travel itinerary for your trip

• Proof of financial means to support your stay

Bear in mind that additional documentation may be necessary, depending on your destination country. It's always wise to reach out to the relevant embassy to ensure you have all your bases covered.

UK citizens travelling to the Schengen area

Brexit has changed the way UK citizens travel to Europe. For short stays of up to 90 days within a 180-day period, Brits can enjoy the Schengen countries visa-free. However, for longer excursions or purposes such as work, study, or business travel, you may need a visa or permit to stay for longer, to work or study or for business travel. Read the full rules before you travel.

Travel insurance requirement for the Schengen area

Securing travel insurance is more than just a suggestion; it's a legal requirement for non-EU citizens applying for a Schengen visa. While not mandatory for UK residents on short trips, it's still a wise decision to ensure you're covered against the unexpected.

Minimum travel insurance coverage for a Schengen visa

To qualify for a Schengen visa, your travel insurance must meet certain criteria, including:

• Medical treatment coverage of at least €30,000

• Coverage for all Schengen countries

• Provisions for repatriation or emergency care

This ensures that you're protected against significant expenses while abroad.

Coverage provided by travel insurance for European countries

When selecting travel insurance for your European journey, consider a policy that includes:

• Protection against holiday disruptions, such as flight cancellations or delays

• Coverage for personal belongings, safeguarding against loss or theft

• Medical treatment coverage, ensuring you're cared for in case of illness or injury

• Legal costs coverage, providing assistance in the event of legal troubles

Exclusions in European travel insurance policies

It's essential to be aware of what's not covered under standard travel insurance policies:

• Risky or adventurous activities: If you’re planning on taking part in any winter or water sports, the risk associated with these activities means a standard travel policy won’t cover you – you’ll need to take out specialised insurance.

• High-value items may require additional coverage to be fully protected.

• Undeclared items must be reported to your insurer to ensure coverage.

• Undeclared pre-existing conditions: If you fail to inform your insurer about existing medical conditions, coverage for treatment abroad won’t apply. However, UK residents can still use the European Health Insurance Card (EHIC) and the new Global Health Insurance Card (GHIC) for emergency medical treatment in EU countries.

• Work-related injuries often necessitate a separate insurance policy.

Factors affecting travel insurance cost for the Schengen area

Several variables influence the cost of your travel insurance:

• Age: Older travellers may face higher premiums.

• Destination: The cost of local medical care can affect insurance prices.

• Trip Duration: Longer vacations generally require more expensive coverage.

• Holiday Activities: Engaging in high-risk activities can drive up the cost.

• Your medical conditions: Declaring pre-existing conditions is necessary and can affect your premium.

• Policy Extras: Opting for additional coverage options will increase the overall cost.

In the end, the Schengen Area represents a unique and convenient way to explore Europe's rich tapestry of cultures and landscapes. While the ease of movement is a fantastic benefit for travellers, it's crucial to be well-prepared with the appropriate visa and insurance coverage. By understanding the requirements and ensuring you're adequately protected, you can embark on your European adventure with peace of mind and a sense of security. Happy travels!