Buying the right Schengen travel insurance holds a lot of significance, as your Schengen visa approval is linked to it. Secondly, it also safeguards you during emergencies in a foreign land and prevents financial losses. Therefore, while buying travel insurance, it is necessary to exercise the highest degree of caution to gain maximum benefits and avoid any pitfalls.
Here are some common mistakes that should be avoided while buying travel insurance for a Schengen visa.
Schengen Visa Travel Insurance: Mistakes to Avoid
When you are considering various options for buying travel insurance online for your visit to any Schengen country, here are some mistakes to avoid.
- Choosing Insufficient Medical Coverage- Schengen visas require travel insurance with a minimum medical coverage of €30,000. Not fulfilling this criterion or choosing travel insurance for Schengen visa with lesser medical coverage can lead to visa rejection. Hence, you must avoid this mistake at all costs.
- Type of Medical Coverage- As per the requirements of Schengen visa, your Schengen travel insurance must cover all the expenses related to medical emergencies, such as hospitalisation expenses, repatriation, emergency medical care and so on. Choosing a travel insurance which does not cover the required aspects must be avoided while buying Schengen travel insurance.
- Insufficient Policy Duration- Schengen visa travel insurance must cover the entire duration of your stay in the Schengen country. A travel insurance with coverage for lesser days is not accepted and can lead to visa rejections. Thus, when you buy Schengen travel insurance ensure it covers your entire stay.
- Valid In All Member States- Another serious mistake that people often make is to purchase a plan which is not valid in all the Schengen countries that they want to visit. For instance, you want to visit three Schengen countries and you purchase travel insurance which is valid in one country only. In such a case your visa may get rejected due to insufficient scope of coverage.
- Proof of Insurance- Many times, you may purchase travel insurance but may skip attaching a valid proof along with the visa application. This mistake can lead to visa rejection, as the authorities require proof that you have purchased a Schengen visa travel insurance and it meets all the conditions.
- Purchasing from an Unauthorised Insurance Provider- Purchasing the Schengen travel insurance from an authorised insurance provider is one of the essential requirements. Turning a blind eye to this requirement or purchasing travel insurance for Schengen visa from an unauthorised provider can create obstacles in your Schengen visa approval process.
- Providing Incorrect Insurance Details- Providing incorrect travel insurance details on the visa application is also a mistake that can lead to visa rejection. When filling out the visa application, ensure that you provide the same details as on the insurance document provided by the insurance company.
Benefits of Schengen Visa Travel Insurance
Having the right travel insurance for your Schengen visa is beneficial in many ways during your visit to any Schengen country.
- Enhances the Chances of Visa Approval- The most primary benefit of having a Schengen visa travel insurance is that it increases the chances of your visa approval as you fulfil the visa compliance requirement.
- Allows Visa Application to All Schengen Nations- With one Schengen travel insurance, you can apply for a visa to all 29 Schengen nations. Thus, you do not have to buy separate insurance for each country.
- Offers Medical Coverage- Travel insurance for Schengen visa provides financial assistance in case of sickness, accidents and injuries during your trip to the Schengen nations. It saves you from draining your finances by paying for hefty medical bills.
- Provides Non Medical Coverage- Apart from covering the medical emergencies, Schengen travel insurance also caters to you during non-medical emergencies, like baggage loss or delay, flight cancellations, passport loss, trip curtailment and so on. You receive financial assistance if you encounter any of the non-medical emergencies during your trip to any Schengen country.
TATA AIG Travel Insurance: The Answer to All Travel Woes
It is crucial that you avoid the above mentioned mistakes to successfully receive your Schengen visa. Choosing an insufficient medical coverage or purchasing from an unauthorised insurance provider are mistakes that can lead to visa refusal and must be avoided at all costs.
To get Schengen visa-compliant travel insurance, you can rely on TATA AIG’s Schengen travel insurance plans. They offer affordable insurance plans with the necessary medical coverage and comprehensive benefits.
You can choose from various customisable options to suit your requirements and budget. TATA AIG travel insurance for Schengen visa also allows you to include add-ons to the insurance plans to enhance the scope and get coverage for medical and non-medical emergencies in all the 29 Schengen countries.
TATA AIG Schengen travel insurance is your buddy for a hassle-free trip to the Schengen areas.
