Buy Travel Insurance for Schengen : Things You Need to Know

Nothing can be more exciting than planning a trip to Europe. Whether you’re looking to immerse yourself in the rich history of Italy, wander the iconic streets of France, or marvel at the breathtaking valleys of Switzerland, your European adventure promises to be an unforgettable experience.

But with all the excitement comes the need to plan carefully, especially when it comes to securing the right travel insurance. After all, unexpected events can disrupt even the best-laid plans. That’s why understanding what Schengen travel insurance covers is essential to ensure a smooth journey, so you can focus on creating memories, not worrying about what could go wrong.

In this blog, we’ll dive into the key aspects of Schengen travel insurance, including what’s covered and why it’s important to have the right protection. Stay with us to learn how to safeguard your European vacation, the top places to visit in each season, and travel with peace of mind!

Why is Travel Insurance Essential for a Schengen Visa?

Travel insurance is a compulsory requirement for the entire duration of your travel. If proper travel insurance is absent, your visa or entry into a Schengen country may be denied. Additionally, the insurance covers you in cases like medical emergency, emergency dental, emergency transportation & repatriation cover.

What Does this Insurance Cover?

When purchasing travel insurance for the Schengen region, it’s crucial to understand the specific areas covered by the policy.

• Healthcare expenses in European countries can be quite high, so in case you are injured during your trip and require emergency medical treatment or hospitalization, Schengen travel insurance will cover these costs.
• Emergency dental care is another important aspect of Schengen travel insurance. Should you experience dental pain while traveling, the policy will cover the cost of treatment to a limited amount as per policy terms.
• In the unfortunate event of death, the policy will cover the cost of repatriating the deceased's remains to their home country, ensuring peace of mind during difficult times.

Minimum Cover for Schengen Travel Insurance

While buying a travel insurance policy for your Schengen visa, make sure that you meet the minimum requirements put forth by the Schengen Area countries.

Medical Expenses and Repatriation:

Schengen Insurance Cover which should be of at least € 30,000 (approximately USD 33,000) for medical expenses to incorporate all costs of treatment and repatriation in case of any medical emergency

Total coverage period for the period of your stay in the Schengen Area:

You must ensure that you are fully covered for the duration you spent in the Schengen Area without breaks. It should therefore start and cover up to the end.

Valid across all Schengen countries, not only the country of visit:

The insurance must be valid across the Schengen territory rather than confined to only the country you visit.

Best Time to Visit Schengen Countries

Each season in the Schengen area has its own unique appeal, offering something special for travelers year-round. Here’s a quick guide to where you can go based on the season:

Spring (March to May): With blooming flowers and green landscapes, spring is perfect for exploring France, Austria, and Germany. Enjoy mild weather, fewer crowds, and vibrant festivals, especially in cities like Paris, Vienna, and Berlin.

Summer (June to August): With warm weather and long days, summer is ideal for experiencing Switzerland, Italy, and the French Riviera. The Alps are also a great spot for outdoor activities, and the Mediterranean countries—like Greece, Croatia, and Spain—are perfect for beach lovers.

Autumn (September to November): Known as Europe’s “golden season,” autumn is a wonderful time to visit Belgium, the Netherlands, and Sweden, where the landscapes are painted in stunning fall colors. Southern countries like Portugal and Spain also have milder weather and fewer tourists.

Winter (December to February): If you’re a fan of the cold, head to Poland, Austria, or Switzerland for snowy landscapes and festive Christmas markets. The temperature in Poland can drop to -10°C, providing a real taste of winter in Europe.

Selection of the Right Travel Insurance Company

Selecting the right insurance company to buy travel insurance is one of the important parts of the entire process. Here are a few factors to look at when considering various types of insurance:

Reputation and Reliability: Choose an insurance company with a solid reputation for proper service in your resident country and the Schengen region.

Comprehensive Coverage: Get comprehensive coverage, which would include medical emergency, emergency dental, emergency transportation & repatriation cover.

Customer Support: Choose an insurance firm that offers multilingual, around-the-clock customer support. This is very helpful if you are traveling to a country where a different language us used and you would require immediate support at your destination.

Looking for the right insurance provider for you? The Schengen travel insurance by GIG provides coverage for covers dental care up to EUR 750, and emergency medical transportation up to EUR 30,000. emergency medical expenses up to EUR 40,000 exceeding the required amount. 

Wrapping Up

If you want to explore the celestial beauty of Europe in 2025, you have to buy travel insurance. Along with making you aware of the necessity of this insurance for your Europe trip, this article also helped you to find the best agency for providing this insurance in the UAE. Visit our site GIG and apply for your Schengen travel insurance today to enjoy your Europe trip with a stress-free mind.

When considering travel insurance for Schengen countries, it’s essential to understand the differences between the products available, as each one is tailored to meet specific needs. For instance, our Travel Smart plan provides a broader range of covers suitable for frequent travelers, while the Travel Schengen plan focuses on meeting the mandatory requirements for obtaining a Schengen visa. Each product comes with unique coverage limits and benefits, so selecting the right plan depends on your travel preferences and requirements. By clearly understanding these distinctions, you can make an informed decision that ensures comprehensive protection throughout your trip.