Europe is one of the rather famed holiday destinations of the world. And rightly so. It has plenty to offer in terms of rich cultural experiences, delectable cuisine, historical monuments, and so much more. So, if you are planning a Euro trip, there are two things which you must obtain. First, is a Schengen Visa and second, is travel insurance. Now, one must know, that for travel across the Schengen countries, it is mandatory for you to be covered by a travel insurance policy, in order to obtain a Schengen Visa.
The Schengen Visa derives its name from Schengen, a region in Luxembourg, where the Schengen Agreement was signed in 1985 between 26 European countries. The Agreement proposed to facilitate harmonious visa policies and abolish border checks at the common borders of the participating countries by way of reduced speed vehicle checks, allowing enhanced freedom to travel across these nations.
So, if you wish to travel to countries like Sweden, Greece, Austria, Germany, Finland, Belgium, Denmark, Italy, Monaco, Norway, Iceland, Malta, Estonia, Netherlands, Poland, Portugal, Spain, Switzerland, Liechtenstein, Slovenia, Czech Republic, France, Hungary, Lithuania, Luxembourg, Slovakia, The Vatican or San Marino, a Schengen Visa is what you require, along with travel insurance.
Aside from being a pre-requisite for a Schengen visa application, travel insurance is an absolute necessity, which helps take care of any unexpected expenses like loss of luggage in transit, cancellation of the trip, a sudden medical emergency, loss of passport, etc.
Benefits of Bajaj Allianz Schengen Travel Insurance
There are multiple ways in which you can benefit from the Bajaj Allianz Schengen Travel Insurance to minimize the impact of unforeseen risks and perils which you might be faced with on your trip.
- To Deal with Prohibitive Medical Expenses
Unfortunate incidents like illnesses and accidents can happen without a warning. While at home, we can avail immediate medical care at a relatively reasonable cost, it is not so in European countries. In the absence of a travel insurance policy, it would be financially taxing to take care of medical expenses, like hospitalization due to an illness or an accident, which can sometimes be prohibitive. Taking light from such instances, a travel medical insurance can be of great help, financial and mental. You can obtain reimbursement for medical expenses like diagnostic tests, emergency surgery, medical aid, etc. which is medically unavoidable and suggested by a certified physician.
- Protection against Trip Cancellation
A cancelled trip can cause much frustration, not to mention disappointment, for any traveler. Also, a trip being cut short due to any unexpected circumstance can result in quite some financial loss, like pre-paid accommodation, sightseeing, etc. Shield yourself against any losses with the Schengen Travel insurance which protects and compensates you against any financial loss which might result from a cancelled trip.
- Coverage against Unforeseen Losses
Murphy’s Law is universal, even when you are on your trip abroad, with all prep immaculately done. There is no guessing as to what can possibly go wrong, while you’re soaking in the excitement of your Euro trip. Beginning with loss of luggage at the airport, to forgetting about picking up your passport, which you took out for a brief moment, along with your wallet to pay for some food. Both these instances, and many such more, can leave you stranded. With the Schengen Travel Insurance, you can however, protect yourself from myriad risks like loss of passport / travel documents, loss of checked-in luggage. This policy also covers you for any unavoidable personal expenses, like purchase of clothes or toiletries, which you may incur if there is a delay in the arrival of your checked-in luggage for a duration of more than 12 hours.
- 24 Hour Travel Assistance
Aside from the benefits mentioned above, Bajaj Allianz also offers a special round-the-clock Travel Assistance service to all its customers who are travelling to Schengen countries. This helpline has been set-up to provide anytime assistance to such customers who may be undergoing any unfavorable situation while on their trip abroad or wish to resolve any query regarding their Schengen Travel Insurance policy.
What to Consider When Taking Schengen Travel Insurance
A large number of general insurance companies now offer Schengen Travel Insurance to prospective travelers. However, the policies and coverage provided may differ with each insurance provider. Following are a few ways which can help you choose the right policy.
- To ensure you are taking the policy which best fits your requirements, you must take care to read the fine print of the policy you choose.
- Among other things, do check if the policy allows you to extend the cover for a duration. You never know what circumstances may arise, forcing you to extend your stay abroad. In such cases, having the cover of an insurance policy can make a world of a difference.
- Also, go online to check out the feedback posted by actual users of those policies. Easy settlement of claims is one of the most important considerations to keep in mind while opting for a travel insurance policy.
- Finally, while a comprehensive travel insurance policy is the best choice, you also need to consider one which falls within your budget.
Q. Are pre-existing medical ailments / conditions covered under travel insurance?
A. No, any pre-existing medical condition or ailment is not covered under may travel insurance policies, whether it is declared or undeclared.