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Tips for Choosing Travel Insurance for European Destinations

travel insurance international

Travel Insurance, Many people wish to travel throughout Europe. However, to travel to the blue continent, several conditions must be met, one of which is travel insurance. This insurance is required for tourists with Schengen visas.

A Schengen visa is a special visa issued by immigration authorities to tourists who want to visit countries in the European Union.

This visa was created as a result of a 1985 agreement between European Union countries. The agreement's contents include the elimination of borders between European Union countries.

Those of you who want to visit the European Continent can easily travel from one country to another by simply displaying a Schengen Visa.

However, it should be noted that you can only use a Schengen Visa for a maximum stay of 90 days in six months.

Travel insurance is required to obtain a Schengen Visa.

This insurance is a legal requirement that cannot be obtained from a sham insurance company.

This is due to the premium nature of the travel insurance provided for Schengen Visas, which includes guarantees for loss of goods during the trip as well as guarantees for medical expenses, including the return of the body.

The minimum sum insured for this type of insurance is typically quite large, in the range of IDR 479 million, with a premium price ranging from IDR 750,000 to IDR 1.5 million per individual.

To avoid making mistakes when selecting travel insurance for destinations in Europe, the Area blog provides tips on selecting travel insurance for destinations in Europe, as well as the insurance company that provides it. Come on, take a look!

Tips for Choosing Travel Insurance for European Destinations

Choosing travel insurance for a Schengen Visa can be both difficult and simple.

The reason for this is that not all Indonesian insurance companies offer these products with broad coverage and large sums insured.

As a result, before purchasing Schengen Visa travel insurance, you should understand how to do so so that you do not have regrets later.

1. Confirm that the scope of protection covers the destination country.

The first tip for selecting travel insurance for European destinations is to ensure that the protection coverage provided by the insurance includes the country you wish to visit.

The Schengen area includes the following countries:

  • Austria
  • Denmark
  • Belgium
  • German
  • The Czech Republic
  • Estonia \sFrench \sFinland
  • Iceland
  • Hungary
  • Greece
  • Latvia
  • Italy
  • Luxembourg
  • Lithuania
  • Vatican
  • Malta
  • Poland
  • Portugal
  • Norway
  • Slovenia
  • Slovakia
  • Sweden
  • Dutch \sSpanish \sSwiss

Also, make sure you've compared the guarantees provided by each travel insurance product, as well as the sum insured. This equates to a minimum of EUR 30,000, or IDR 479 million.

2. Adjust to the length of the trip

In addition to the protection coverage of the destination country, you also have to take into account the length of the trip.

The calculation can start from the time of departure until returning to Indonesia.

This is included in tips for choosing travel insurance for destinations to Europe because it will affect the amount of premium you pay.

Generally, the duration of a special Schengen Visa trip offered by insurance companies is divided into two categories, namely one-way travel insurance and annual travel insurance.

If you need travel insurance to protect you while traveling from the country of origin to the country of destination, then one-way insurance is suitable for use.

Meanwhile, for those of you who frequently travel to the European Union, use annual travel insurance because the policies charged are classified as more economical.

3. Have a cashless or reimbursement system

Submission of claims or compensation in travel insurance can generally be obtained through a cashless reimbursement system.
Both of these systems have benefits that you can adjust to your needs.
For the reimbursement system, you who is considered the owner of the insurance must first pay the necessary fees.
After that, you can submit a claim for your travel insurance.
Meanwhile, insurance that uses a cashless system allows policyholders to obtain maintenance costs or compensation without being charged anything.

4. Choose Schengen Visa insurance that provides complete information

Tips for choosing travel insurance for the next European destination is to look at the information provided by the insurance company, through its official website.

This is important to make it easier for prospective customers who want to buy insurance products.

Where in general, information related to travel insurance products must include the amount of premium, compensation, guarantee benefits, medical costs, and premium payment methods.

5. Use insurance that can be adjusted to the number of family members

There are times when we travel with our family during the holidays. This is also a place to strengthen relations with one another so that they are more harmonious.

To make traveling with your family safer, you need to register all family members with travel insurance.

Especially if the destination country is in Europe.

You can buy travel insurance specifically for Schengen Visa with a family policy.

This insurance is classified as more economical with a minimum protection of EUR 30,000 or the equivalent of IDR 479 million per family member compared to you buying a policy for each individual.

Product Recommendations for Schengen Visa Special Travel Insurance

We previously discussed tips for selecting travel insurance for European destinations. Now is the time to learn about Schengen Visa travel insurance product recommendations. The following products each have advantages that everyone feels obligated to have when traveling.

1. ACA New Travel Safe International

The ACA New Travel Safe is also included in the travel insurance recommendations for European countries.

This insurance is less expensive than AXA Smart Traveler, which costs around IDR 900,000 per person for a month of travel.

The coverage provided by ACA New Travel is extensive, reaching IDR 1.4 billion over a 90-day (annual policy) and 180-day (one-way) trip period.

2. Allianz Travel Insurance

Allianz New TravelPro is well-known for providing maximum protection for customers traveling to the European Continent.

Starting with trip cancellation and change protection, personal accident and permanent disability compensation, departure delays, luggage damage or loss protection, unlimited medical treatment abroad, and up to 24-hour emergency assistance.

Allianz Travel Insurance offers three types of policies that can be tailored to your needs: individual policies, couple's policies with the same travel schedule, and family policies.

3. AXA Travel Insurance Smart Travel

AXA Smart Traveler is AXA General Insurance's travel insurance that offers a variety of protection benefits.

Starting with personal accident compensation, medical expenses and emergency assistance during the trip, personal item protection including luggage, and trip cancellation compensation.

Furthermore, AXA Smart Traveler claims that with a premium fee of IDR 1 million per person, the sum insured for each policyholder can reach IDR 5.2 billion.

So, those are some tips for selecting travel insurance for European destinations, as well as product recommendations from three Indonesian insurance companies.

The sum insured is valid for the duration of the trip, which ranges from 26 to 31 days.