Schengen travel insurance policy

Schengen travel insurance policy – Every travel insurance company is different; however, there are ones that offer to cover additional costs if necessary. If not, additional insurance must be purchased to cover explicit costs like:

1.Preexisting conditions (e.g. Asthma, diabetes)

2.Sports with an element of risk (e.g. Skiing, scuba diving)

3.Travel to high-risk countries (e.g. Due to war, natural disasters or acts of terrorism)

4.Acute onset of pre-existing conditions – It means a sudden and unexpected occurrence of pre-existing medical conditions without any prior warning from a medical professional. If you have pre-existing conditions, make sure to get this coverage to protect you against any emergency situation that arises due to pre-existing conditions in spite of taking care.

1.As previously mentioned there are insurance companies that don’t provide coverage for a preexisting condition in an international domain. In case you have a condition prior to your departure to Europe, you’ve consulted a doctor and are already on treatment and you’ve decided to travel out of the country, in a Schengen region, in this case, you are not prone to any medical cost alleviations via your insurer. 

However, if one is proclaimed fit to travel having the condition under control, most commonly the travel insurance is ought to cover an unexpected emergency related to the condition when travelling in an international domain, an acute onset of the preexisting condition.

2.Sports – Participation in high-risk activities such as extreme sports e.g., scuba diving, skydiving, etc., can be excluded.

3.War – Policies may exclude coverage for injuries caused by war when travelling to an endangered war zone.

4.Duration – Many policies specify a time limit for coverage (e.g., 60 days) and the costs differ accordingly.

5.Suicide in an international or domestic domain is excluded from any insurance policy as well as the self-inflicted injuries.

6.In a case of any substance abuse, drugs or alcohol, domestic or international the medical expenses won’t be covered by your insurance policy.

Always check back to get the latest updates about Schengen travel insurance policy.