Travel insurance is often treated as an extra cost, but it can save you from big expenses when something goes wrong abroad. For some visas, such as the Schengen visa, it is also a mandatory requirement.
What does travel insurance cover?
- Medical emergencies – hospital bills abroad can be very expensive.
- Trip cancellation or delay – reimbursement for eligible non-refundable costs.
- Lost or delayed baggage – help with essential purchases.
- Loss of passport – support for getting emergency travel documents.
- Personal liability – cover for accidental damage to others, depending on the policy.
Is it required for a visa?
Schengen countries require insurance with minimum medical coverage of €30,000. Many other countries strongly recommend it, and some ask for it during the application or at immigration.
Expert tip: Make sure the policy dates cover your entire trip, including travel days, and that the insurer's name and policy number are clearly printed.
How to choose a policy
Compare coverage limits, deductibles, exclusions for pre-existing conditions and the claim process. Choose a plan that matches your destination and trip length rather than the cheapest option. A small premium can give you complete peace of mind during your journey.
