What you need to know about insurance for Schengen
An insurance policy is needed not only to obtain the coveted Schengen visa, although this item is also included in the list of mandatory document requirements for all visa centers. In Europe, medicine for non-residents costs a lot. Hoping that nothing will happen during the trip is a typical Russian chance. In addition, buying insurance online today is simple, one-two-three. One: I drove the dates of the trip, two: added the data of the passport, three: paid and printed out the policy. We will tell you about the main subtleties that you should know before buying.
Often, insurance does not need to be shown when crossing the border. It would seem that the “default” customs officer and so it is clear that without it, a visa would simply not have been issued. But not so simple. At the next trip to the old woman-Europe, some especially forgetful tourists with “multi-Schengen” can simply ignore the issue of purchasing a policy. But if the customs officer decides to demand insurance, but it is not – the trip will end at passport control.
Usually, travelers who go to enjoy the Bavarian castles or bask on the Cote d’Azur beaches have enough of the “Schengen gold standard”: the minimum amount of coverage is 30,000 EUR, the corridor is 15 days from the date of return in case of unforeseen circumstances, and the basic set of services, which includes transportation to the hospital, doctors and treatment, repatriation of the remains (God forbid, of course), as well as emergency dentistry.
The situation is different with active tourists who are going to engage in extreme sports. Most often it is skiing, snowboarding, surfing. In this case, the relevant items must be included in the policy. If you wish, you can also insure yourself against loss of baggage / documents, not to leave the place, theft of personal belongings, as well as other minor and major troubles. Of course, you will have to pay more than for the basic contract, but in return you get a “ghostly” feeling of security. Read more: insurance for skiers and divers.
Where and how much
Dozens of companies offer insurance for traveling to Schengen countries. The most obvious way is to buy the policy online on the office website or use the aggregator portal, which will compare prices from different insurers, and the best option will help you find it. Also, in visa centers there are always representatives of companies actively promoting their services to everyone who applies for a visa.
The cost of a standard contract for a weekly trip with a cover of 35,000 EUR will be 500-700 RUB. For each additional point they will take another 200-300 RUB. About the same amount will have to be paid if the tourist plans to have an active vacation. Prices on the page are for December 2018.
Insured Event – Procedure
Each insurer works with an assistance company that performs intermediary functions. It is through it that all interested parties interact. As a rule, the helpline is indicated in a prominent place on the policy. If an insured event occurs, you need to call him and then follow all instructions. The employees will explain in detail what steps to take in each specific situation, where to go, the payment procedure (sometimes you have to pay from your pocket and save all the documents – you will compensate the expenses later). Usually telephone calls are also reimbursed – this is part of the standard conditions of the insurance contract.
Not all European countries – EU members are included in the Schengen area. Therefore, if the route includes, for example, Andorra, Spain and France, then Andorra must be indicated in the insurance separately. This is not a Schengen country. The situation is the same with Bulgaria, the UK, Cyprus, Romania and Croatia. Bosnia and Herzegovina, Serbia, Montenegro have not yet joined either the EU or the Schengen Agreement. But despite the fact that it is possible to enter these states without a visa, it is still a good idea to apply for a policy.