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It is necessary to get the travel insurance if you are travelling abroad so as to deal with the unexpected events such as accident, illness, etc. that you may encounter with while on your trip. In case, any emergency arise, there is an accident or a serious illness while you are on an overseas trip, you will have to incur all the expenses that are required for undertaking the medical treatment if you have not got travel insurance for the trip. Even if you are medically insured in your home country, then also the liability of discharging the medical expenses lies upon your shoulder as that plan covers you only in the home country and not in a foreign country. And of course, Government will also not be responsible for incurring such expenses. This is why travel insurance is as indispensable as is your passport or travel tickets, no matter what is your travel destination. If you believe that the travel insurance plan is not within your means, then you must drop your travel plans as well. In essence, travel insurance is a type of insurance that covers the holder of the policy for the insurable situations that takes place before or during travel like trip interruption/cancellation, theft or loss of baggage, medical expenses for illness or injury, and more. The cost of travel insurance depends on several parameters. First is the type of insurance cover. There are many types of insurance plans available such as low-cost plan, comprehensive plan and multi-trip plan. Obviously low cost plan will be comparatively cheaper than the other two plans and multi-trip plan will be the costliest among three as it covers the trips taken during one whole year. The cost of the plan is also based on the destination of travel and the length of the stay. Another factor that decides the cost is the age of the insured and pre-existing medical conditions. The cost will be more for the elderly person or if the person is suffering from a serious illness. Since there are a vast range of travel insurance policies available in the market, you need to carefully choose a policy according to your travel plans and circumstances. If you are among those people who are making plans to travel to Europe for business-related or leisure-related purposes, in particular, in those parts of Europe that follow the rules of Schengen Treaty, it is necessary to acquire a Schengen Visa. For the Schengen Visa, it is mandatory to get the Schengen travel insurance. It must provide the required medical coverage and repatriation for the entire period of the traveler’s stay in the Schengen territory. In case you are applying for the multi-trip Schengen Visa, you need to present the proof of annual Schengen visa travel insurance plan with adequate medical coverage. Author of this article is a notable insurance provider offering a wide range of Schengen visa travel insurance plans for the visitors planning a trip to Schengen region of Europe.
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