Traveling is fun, whether it's for studies, vacations or a business trip. But, along with this excitement comes the responsibility to stay safe and secure. Thus, it is advisable to buy an overseas travel insurance policy as it's the best-suited choice for those who are traveling abroad.
Now, when you intend to visit one of the Schengen countries, you require a travel insurance for Schengen visa, because travel insurance is compulsory for every individual who is traveling on a Schengen visa. Listed below are the factors that you need to consider before buying a Schengen travel insurance -
- It should cover the delay of checked-in baggage: Before finalising a travel insurance plan, you must know its coverage type. Thus, check whether your insurance company provides reimbursement for the emergency purchase of clothes, toiletries, etc., if the delay exceeds 6 hours.
- Personal accident insurance cover: Personal accident insurance cover comes handy in situations like accident or dismemberment. Therefore, you must check for it before buying a Schengen travel insurance policy.
- Medical cover: You must also check for the medical coverage before finalising on your policy. International medical cover usually ranges from US$ 50,000 to US$ 750,000.
- It must cover the loss of travel documents: This is yet another important thing you need to consider before buying a Schengen travel insurance. In case of loss of passport or visa, you need to ensure that the insurance company reimburses you the cost of the duplicate document.
In addition to this, it should cover unexpected trip delays, personal liability cover, etc. Besides, for those who are looking to buy travel insurance policy online, go for Royal Sundaram as they offer several different types of travel insurance policies as per your requirement; this includes multi-trip insurance, student travel insurance, senior citizen travel insurance, etc.