The Best Schengen Travel Insurance Plans in 2025
- Insurance approved for the Schengen visa
- Immediate confirmation by email
- Refund requests directly online
- Refunds possible in a currency other than the euro
- Insurance approved for the Schengen visa
- Immediate confirmation by email
- Refund requests directly online
- Refunds possible in a currency other than the euro
The ACS - Europax offer provides coverage for medical expenses abroad up to €30,000 per insured person, with a deductible of €30, which is the same as AXA - Visa Schengen - Schengen Low Cost and Assur Travel - Impact Schengen - Essential, but lower than AXA - Visa Schengen - Schengen Europe Travel and Mondial Care - Visa Schengen - Option Premium, which offer up to €100,000. Regarding legal liability, ACS - Europax offers high coverage of €4,575,000, which far exceeds Mondial Care - Visa Schengen - Premium option, which covers up to €1,500,000. However, ACS - Europax does not offer cancellation insurance, unlike some competing offers that include this guarantee.
The price of ACS - Europax is €30.20, which is competitive compared to AXA - Visa Schengen - Schengen Low Cost at €55.00 and significantly cheaper than AXA - Visa Schengen - Schengen Europe Travel at €81.00. However, it is slightly lower than Mondial Care - Visa Schengen - Option Confort at €34.00.
The ACS - Europax offer is suitable for non-European travellers who need insurance that meets the requirements of the Schengen visa, with excellent coverage for medical emergencies and high liability coverage at a competitive price.
- Insurance accepted for a Schengen visa
- Refund if visa is refused (-€15)
- Immediate statement approved by consulates
- Repatriation guarantee after hospitalisation in your country of origin
- 24/7 Assistance
- Does not cover pre-existing conditions
- Insurance accepted for a Schengen visa
- Refund if visa is refused (-€15)
- Immediate statement approved by consulates
- Repatriation guarantee after hospitalisation in your country of origin
- 24/7 Assistance
The Chapka - Cap Schengen insurance provides coverage for medical expenses abroad up to €30,000 per insured person with a deductible of €80, which is standard compared to other offers like AVA Assurances - Ava Incoming Classic and Europ Assistance - Visa Schengen - Schengen. Medical repatriation is covered at actual cost, which offers premium coverage similar to Assur Travel - Impact Schengen - Essential and AVA Insurances - Ava Incoming Safe & Health. However, this offer does not cover trip cancellation, liability, loss or theft of luggage, or interruption of stay, making it less comprehensive than offers like ACS - Europax, which includes liability coverage up to €4,575,000 per insured person.
The price of Chapka - Cap Schengen insurance is €58.00, which is more expensive than competing offers such as Assur Travel - Impact Schengen - Essential at €37.00 and ACS - Europax at €30.20. On the other hand, it is cheaper than the AXA - Visa Schengen - Schengen Europe Travel insurance at €81.00.
This offer is suitable for non-European travellers planning a trip to the Schengen area, as it meets Schengen visa requirements with adequate coverage for medical expenses and medical repatriation.
- Insurance accepted for the Schengen visa
- Immediate confirmation by email
- 24/7 unlimited medical assistance by phone
- Insurance accepted for the Schengen visa
- Immediate confirmation by email
- 24/7 unlimited medical assistance by phone
Mondial Care - Visa Schengen - Option Confort offers solid guarantees for non-European travellers visiting the Schengen area, with a medical expenses ceiling abroad of €100,000, higher than ACS - Europax and Assur Travel - Impact Schengen - Essentiel which only offer €30,000. However, private liability insurance is covered up to €1,500,000, less than the €4,575,000 offered by ACS - Europax. Medical repatriation is covered without cost limit, similar to most other offers. However, the offer does not cover luggage, cancellation or interruption of stay, which may be a disadvantage for some travellers.
The price of Mondial Care - Visa Schengen - Option Confort is €34.00, which is competitive compared to other offers such as Assur Travel - Impact Schengen - Premium for €44.00 and AXA - Visa Schengen - Schengen Europe Travel for €81.00, although slightly more expensive than ACS - Europax for €30.20.
This offer is well suited for the non-European traveller who needs high medical cover and adequate liability insurance for a three-week stay in the Schengen area.
- Insurance accepted for Schengen visa
- Immediate certificate approved by consulates
- €3,000 legal assistance
- 24/7 unlimited telephone medical advice
- Insurance accepted for Schengen visa
- Immediate certificate approved by consulates
- €3,000 legal assistance
- 24/7 unlimited telephone medical advice
Mondial Care - Visa Schengen - Premium option offers coverage for medical expenses abroad of €100,000 per insured person, which is higher than the €30,000 of ACS - Europax and equivalent to AXA - Visa Schengen - Schengen Europe Travel. Regarding legal liability, it offers coverage of €1,500,000, less than the €4,575,000 offered by ACS - Europax, but more than most other competitors who do not cover this guarantee. Medical repatriation is covered against actual costs, a standard among premium offers. However, guarantees such as cancellation and baggage cover are lacking, unlike Chapka - Cap Academy, which covers baggage up to €3,000.
The price of Mondial Care - Visa Schengen - Premium option is €47.00, which is competitive compared to Assur Travel - Impact Schengen - Summum at €48.00 and significantly cheaper than AXA - Visa Schengen - Schengen Europe Travel at €81.00. However, it is more expensive than Mondial Care - Visa Schengen - Option Confort at €34.00 and ACS - Europax at €30.20.
This offer is suitable for non-European citizens travelling in the Schengen area, as it meets the requirements for a Schengen visa and provides adequate medical cover and liability cover.
- Insurance accepted for the Schengen visa
- Refund in case of visa refusal (-€15)
- Immediate certificate approved by the consulates
- 24/7 repatriation assistance
- Insurance accepted for the Schengen visa
- Refund in case of visa refusal (-€15)
- Immediate certificate approved by the consulates
- 24/7 repatriation assistance
Chapka - Cap Europa provides coverage for medical expenses abroad up to €70,000 per insured, with a deductible of €80, which is lower than ACS - Globe Partner and Mondial Care - World Travel which offer €300,000 and €300,000 respectively, without any deductible for the first and €50 for the second. Regarding medical repatriation, Chapka - Cap Europa covers the actual costs, similar to ACS - Globe Traveller and Mondial Care - World Travel. However, Chapka - Cap Europa does not cover luggage, unlike ACS - Globe Traveller which offers coverage of €2,000 per claim, and Mondial Care - World Travel which offers €1,000. Furthermore, cancellation insurance is not covered by Chapka - Cap Europa, while ACS - Globe Traveller provides coverage up to €9,000 per insured.
Chapka - Cap Europa is suitable for travellers journeying around the world for a year who prioritise medical coverage and repatriation, but they may encounter limitations due to the absence of coverage for luggage and cancellation.
- The best Schengen travel insurance plans
- What exactly is Schengen travel insurance?
- The price of Schengen travel insurance
- What Schengen Travel Insurance Covers
- The conditions of Schengen travel insurance
- Why You Need Schengen Travel Insurance
- How to Choose the Right Schengen Travel Insurance
- Do my current insurance policies cover Schengen travel?
- FAQ
- On the same topic
Schengen travel insurance: key takeaways
1. Definition: Schengen insurance is mandatory medical cover for visa applicants, meeting specific EU requirements for entry into the zone.
2. Price: For a one-week trip, expect to pay between €15 and €25 for a basic Schengen policy.
3. Coverage: It covers emergency medical costs and repatriation but usually excludes pre-existing conditions and non-emergency care.
4. Bank cards and health insurances: Bank cards and private health insurance like VHI or Laya often lack the required Schengen visa coverage.
5. Tips: Choose a policy that explicitly states 'Schengen visa compliant' and offers direct payment to hospitals.
6. Other useful info: Your European Health Insurance Card (EHIC) is not a substitute for mandatory Schengen travel insurance.
Why trust HelloSafe ?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in Ireland, our experts share here everything you need to know to choose the best Schengen travel insurance.
The best Schengen travel insurance plans
Here is a selection of the best Schengen travel insurance plans available for residents of Ireland in 2025. These policies stand out for their high medical limits, low deductibles and flexible terms, providing optimal protection for stress-free travel.
| Contract we recommend | Medical reimbursement | Deductible | Advantages |
|---|---|---|---|
| HelloTravel Premium | 100K € | None mentioned | • Covers pre-existing conditions. • Paperless subscription process. • Multilingual emergency hotline. • Flexible trip extension options. |
| Cap Assistance 24/24 | 100K € | None mentioned | • Mobile app access to doctors. • Free support number 24/7. • Covers hotel and pet care in emergencies. • No age-based premium increase. |
| Tourist Card | 50K € | 30 € | • Quick refund system. • Flexible cancellation included. • Legal help available. • Recognised support for digital nomads. |
| World Travel | 70K € | 50 € | • Quarantine hotel coverage. • Includes psychological support. • Passport loss assistance. • Political evacuation included. |
| Globe Partner | 30K € | None mentioned | • Low-cost for under-40s. • Paperless enrolment. • Claim tracking via email. |
| Globe Traveller | 50K € | None mentioned | • Covers long trips (up to 12 months). • Premium stability after age 60. • Support in multiple languages. |
• Paperless subscription process.
• Multilingual emergency hotline.
• Flexible trip extension options.
• Free support number 24/7.
• Covers hotel and pet care in emergencies.
• No age-based premium increase.
• Flexible cancellation included.
• Legal help available.
• Recognised support for digital nomads.
• Includes psychological support.
• Passport loss assistance.
• Political evacuation included.
• Paperless enrolment.
• Claim tracking via email.
• Premium stability after age 60.
• Support in multiple languages.
The best Schengen travel insurance for each person depends on their individual needs. We invite you to use HelloSafe’s travel insurance comparison tool to find the plan that suits you best and subscribe directly online.
Compare the best travel insurance for freeI compareWhat exactly is Schengen travel insurance?
Schengen travel insurance is a mandatory medical policy required to obtain a Schengen visa for travel in the Schengen Area.
It must provide at least €30,000 coverage for emergency medical expenses and repatriation.
The insurance must be valid for all Schengen countries and cover the full duration of the stay.
Key guarantees required include emergency treatment, hospitalisation, and medical repatriation to Ireland.
Also called "Europe travel insurance" or "Schengen visa insurance," it is not the same as general travel insurance, which may not meet visa rules.
Expert advice
Here are the situations where taking out Schengen travel insurance is especially recommended if you live in Ireland:
- If you are a non-EU resident requiring a Schengen visa.
- To cover emergency medical repatriation back to Ireland, not on EHIC.
- For access to private healthcare facilities, not just public hospitals.
- To protect your trip costs from cancellation or curtailment events.
- When travelling with valuable luggage or personal items.
- For personal liability cover if you accidentally injure someone.
- To get 24/7 assistance for any medical or travel emergencies.
The price of Schengen travel insurance
On average, Schengen travel insurance costs between 1% and 4% of the total price of your trip.
| Trip | Trip cost | Indicative price per person |
|---|---|---|
| 4 days in Paris | €600 | €15 to €30 |
| 10 days in Rome and Florence | €1,400 | €30 to €60 |
| 2 weeks touring the Netherlands | €2,200 | €45 to €85 |
| 1 month family stay in Germany | €4,000 | €70 to €130 |
These prices are provided as an indication and may vary depending on the type of plan chosen (standard or premium) and the specific conditions of each insurer.
The price of your Schengen travel insurance depends on several factors:
- trip duration: a longer stay increases the overall insurance cost.
- traveller’s age: older travellers generally pay higher premiums.
- level of coverage: policies with higher limits or extra options (such as reduced deductibles) cost more.
- type of trip: family policies or trips involving higher-risk activities can increase the price.
- insurance provider: each insurer sets its own pricing, influenced by service levels and included benefits.
What Schengen Travel Insurance Covers
Schengen travel insurance is mandatory for visiting the Schengen Area and is required for a Schengen visa. It must meet specific legal conditions and cover medical emergencies and repatriation for the full stay in the Schengen zone.
| Covered guarantee | Definition | Expert advice |
|---|---|---|
| 🏥 Emergency medical expenses | Key guarantee. Covers urgent medical care in Schengen countries. | 🔴 Required for Schengen visa. We recommend a minimum cover of €30K and deductibles below €50. Chronic illness, pre-existing conditions, and cosmetic care are excluded. |
| 🚑 Medical repatriation | Key guarantee. Pays for return to Ireland for medical reasons. | 🔴 Required for Schengen visa. This cover should be unlimited or at least €30K, with no deductible. Voluntary return and non-medical repatriation are not covered. |
| 🦷 Emergency dental treatment | Covers urgent dental care to relieve pain. | We recommend a minimum of €300 and max deductible €30. Routine dental work and orthodontics are excluded. |
| 💊 Prescription medications | Pays for emergency medications issued abroad. | At least €500 cover and deductible below €30. Ongoing medications and non-prescribed treatments are excluded. |
| 🏨 Hospital daily allowance | Pays set sum for each day spent as a hospital inpatient. | Look for €25 per day minimum, deductible under €20. Outpatient and day surgery costs are excluded. |
| 🚨 Emergency evacuation | Covers transfer to nearest suitable treatment centre. | At least €25K cover is advised with low deductible. Non-urgent or comfort transport is not covered. |
| ⚰️ Accidental death | Pays compensation to family following a fatal accident. | Minimum €10K, deductible not relevant. Suicide, natural death and dangerous sports are excluded. |
| 🧑⚖️ Personal liability abroad | Covers costs if you injure someone or damage property. | At least €75K cover, max deductible €100. Damage to family, rented property, or deliberate acts are excluded. |
We recommend a minimum cover of €30K and deductibles below €50.
Chronic illness, pre-existing conditions, and cosmetic care are excluded.
This cover should be unlimited or at least €30K, with no deductible.
Voluntary return and non-medical repatriation are not covered.
Routine dental work and orthodontics are excluded.
Ongoing medications and non-prescribed treatments are excluded.
Outpatient and day surgery costs are excluded.
Non-urgent or comfort transport is not covered.
Suicide, natural death and dangerous sports are excluded.
Damage to family, rented property, or deliberate acts are excluded.
Reimbursement limits vary depending on the insurer and the plan selected (eco, standard, premium). They must always be checked in the general terms and conditions.
To find the Schengen travel insurance best suited to your needs, easily compare offers on HelloSafe.
The conditions of Schengen travel insurance
To be valid, Schengen travel insurance policies must meet several key conditions for Irish residents and citizens travelling to the Schengen Area.
- Minimum coverage: the policy must cover at least €30,000 in emergency medical expenses, including hospitalisation and care.
- Repatriation included: medical repatriation to Ireland in case of serious illness or death must be guaranteed.
- Validity period: the insurance must be valid for the entire duration of your stay in the Schengen Area.
- Geographic scope: coverage must extend to all Schengen countries you intend to visit.
- No deductible or low excess: most consulates require that policies have no, or a very low, deductible for medical claims.
- Pre-departure subscription: you must purchase the policy before entering the Schengen Area.
- Visa compliance certificate: you must present a certificate confirming Schengen visa compliance and stating emergency medical and repatriation coverage.
- Actual traveller names: the insurance certificate must list the names of all persons applying for a Schengen visa.
Watch out!
A common mistake for Irish travellers is assuming their European Health Insurance Card (EHIC) is enough. While useful, the EHIC doesn't meet Schengen visa requirements as it excludes essential coverage like medical repatriation, which is mandatory for your insurance policy to be valid.
Why You Need Schengen Travel Insurance
Schengen travel insurance is mandatory for anyone applying for a Schengen visa, as it is required by European Union regulations.
Even on a short trip, accidents or illness can result in significant expenses, which often far exceed the price of insurance.
Here are some examples of healthcare costs abroad:
| Type of treatment | Average cost in the Schengen Area | Covered by insurance |
|---|---|---|
| Foot sprain (X-ray and consultation) |
| Up to €30,000, usually 100% |
| Medical repatriation |
| Up to €100,000, usually 100% |
| Appendicitis surgery and hospitalization |
| Up to €30,000 or full policy limit |
| Stitches after a fall |
| Up to €30,000, depending on limits |
| Emergency tooth extraction |
| Emergency dental, usually €300 to €1,000 |
- Schengen Area: €150 to €300
- Schengen Area: €15,000 to €25,000
- Schengen Area: €8,000 to €15,000
- Schengen Area: €200 to €400
- Schengen Area: €150 to €350
Coverage varies greatly depending on the plan chosen (standard or premium) and the insurer. Refer to the general conditions and always compare with tools like HelloSafe.
Schengen travel insurance may also include other valuable guarantees such as personal liability, trip cancellation, lost baggage cover, and 24/7 emergency support, all of which provide added security during your stay.
Good to know
Schengen travel insurance is mandatory for your visa and essential for your peace of mind. Your EHIC won't cover repatriation, which can cost over €25,000. Insurers like Chapka offer comprehensive plans to protect you from massive medical bills and ensure you get home safely.
How to Choose the Right Schengen Travel Insurance
Schengen travel insurance policies differ on maximum coverage, deductibles, and specific benefits. To get real value for your needs and meet mandatory requirements, it is important to compare key criteria, especially as not all policies are visa-compliant.
| Criterion | Why it matters | Expert tip |
|---|---|---|
| 💶 Reimbursement limits | Determines the maximum amount you can claim for medical expenses. | Always select a plan with at least €30,000 coverage to meet Schengen visa rules. |
| 📉 Deductible | The sum you pay before the insurer reimburses costs. | Favour plans with no deductible or a minimal one to avoid high out-of-pocket expenses. |
| 📋 Policy conditions | Defines exclusions and claim requirements; impacts claims process. | Carefully read the general conditions to spot necessary documentation for claims or coverage. |
| 👵 Traveller’s age | Some insurers have upper age limits or raise fees for older travellers. | Travellers over 65 should verify age limits and ask about senior-specific coverage. |
| 📆 Trip duration | Must cover your entire stay in the Schengen Area with no gaps. | Make certain your insurance period matches the exact dates on your visa. |
| 🌍 Geographic area | Schengen insurance is limited to the Schengen Zone only. | Confirm all Schengen countries on your itinerary are clearly listed in the policy. |
| 🛡️ Existing coverage | Existing private, health, or card insurance may be insufficient or exclude mandatory elements. | Compare your current protections, but always choose Schengen-compliant insurance. |
| 🖥️ Online subscription | Most insurers now offer direct purchase and instant document issuance. | Choose companies that deliver the certificate instantly by email, especially for urgent departures. |
| 🔍 Offer comparison | Comparing plans ensures price fairness and complete protection. | Use a reputable comparison site to review coverage options before buying. |
Do my current insurance policies cover Schengen travel?
It is legitimate to wonder if your current insurances, like credit card insurance or the Irish public health system, can offer you a Schengen travel insurance, but unfortunately it is often not enough.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Schengen travel insurance included? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (HSE) | Almost Never | Emergency public healthcare within the EU, no repatriation, only actual costs covered, not always in private clinics. No repatriation, no private hospital, no personal liability, and no compliance with Schengen insurance rules. | Travel insurance covers up to €100,000 medical, repatriation, dental, personal liability, and guarantees Schengen compliance. |
| European Health Insurance Card (EHIC) | Almost Never | Emergency treatment at public facilities in the EU/EEA, no private care or repatriation, coverage by local systems. No emergency repatriation, no accident compensation, no private hospital access, or visa certificate. | Travel insurance provides full Schengen visa compliance, with up to €100,000 cover including repatriation and emergencies. |
| Private health insurance (VHI Healthcare, Laya Healthcare) | Limited Coverage | Medical emergencies within Europe from €50,000 to €65,000, no repatriation, no compliance certificate for Schengen. No written Schengen visa compliance, no repatriation, and limited hospital direct payment options. | Travel insurance guarantees all Schengen legal requirements, up to €100,000, and offers direct payment to hospitals. |
| Classic credit card (Visa Classic, Mastercard Standard) | Never | Medical coverage below €30,000, no visa-compliant repatriation, no certificate provided, short trip only. No Schengen-compliance, repatriation, personal liability, or medical certificate for visa applications. | Travel insurance covers up to €100,000 or more, is guaranteed compliant, and includes all Schengen-required guarantees. |
| Premium credit card (AIB Platinum, Bank of Ireland Gold) | Limited Coverage | Medical up to €65,000, repatriation up to €130,000, not guaranteed for Schengen, certificate rarely issued. No written guarantee for Schengen visas, limited direct payment, and incomplete coverage. | Travel insurance always meets Schengen requirements, with up to €100,000 and a compliance certificate for the visa process. |
No repatriation, no private hospital, no personal liability, and no compliance with Schengen insurance rules.
No emergency repatriation, no accident compensation, no private hospital access, or visa certificate.
No written Schengen visa compliance, no repatriation, and limited hospital direct payment options.
No Schengen-compliance, repatriation, personal liability, or medical certificate for visa applications.
No written guarantee for Schengen visas, limited direct payment, and incomplete coverage.
Expert advice
Your bank card or health insurance often won't cover trip interruption for a relative's illness or death. Always check the small print to avoid nasty surprises abroad. For peace of mind, it's always safer and more reassuring to get dedicated travel insurance tailored to your specific trip.
FAQ
Is Schengen travel insurance mandatory?
Schengen travel insurance is mandatory if you are applying for a Schengen visa to visit countries within the Schengen Area, including France, Germany, Spain, and Italy. Even if you have an EU passport and do not need a visa, it is strongly recommended. Healthcare costs in Europe can be high, so insurance is essential for covering medical emergencies, accidents, or urgent repatriation.
When is it recommended to purchase Schengen travel insurance?
Purchase Schengen travel insurance as soon as you begin the visa application process or after booking your trip. Early purchase ensures you are protected from unexpected cancellations, medical issues, or visa refusals. Buying insurance in advance also means your certificate will be ready for your embassy or consulate interview.
How do I purchase Schengen travel insurance?
1/ Compare Schengen travel insurance plans using the HelloSafe comparison platform for the best options.
2/ Check guarantees and exclusions carefully, ensuring the plan meets Schengen requirements and covers planned activities.
3/ Purchase your chosen policy online in a few minutes.
4/ Receive your insurance certificate by email, ready to attach to your Schengen visa application.
Can I purchase Schengen travel insurance after booking my flights?
Yes, you can purchase Schengen travel insurance even after booking your flights or hotel. However, if you require a Schengen visa, you will need to provide the insurance certificate during your visa application. For peace of mind, buy insurance soon after confirming your travel dates.
How do I make a claim on Schengen travel insurance?
If you need to make a claim, contact your insurer’s emergency assistance number as soon as possible. Collect and submit all relevant documents, such as medical bills, hospital reports, and receipts. Most insurers have online claim portals, making the process faster and easier for Irish travelers abroad.
Does Schengen travel insurance cover pre-existing medical conditions?
Most standard Schengen travel insurance policies exclude pre-existing medical conditions. If you have existing health issues, check if your insurer offers additional cover for these at extra cost. Always declare your condition when purchasing the policy to avoid complications during claims.
Does Schengen travel insurance cover COVID-19 related medical expenses?
Many Schengen travel insurance policies now include cover for COVID-19 medical treatment if you test positive while abroad. However, coverage for quarantine costs or trip cancellation due to COVID-19 may not always be included, so read the policy details and exclusions carefully before committing.
Is Schengen travel insurance mandatory?
Schengen travel insurance is mandatory if you are applying for a Schengen visa to visit countries within the Schengen Area, including France, Germany, Spain, and Italy. Even if you have an EU passport and do not need a visa, it is strongly recommended. Healthcare costs in Europe can be high, so insurance is essential for covering medical emergencies, accidents, or urgent repatriation.
When is it recommended to purchase Schengen travel insurance?
Purchase Schengen travel insurance as soon as you begin the visa application process or after booking your trip. Early purchase ensures you are protected from unexpected cancellations, medical issues, or visa refusals. Buying insurance in advance also means your certificate will be ready for your embassy or consulate interview.
How do I purchase Schengen travel insurance?
1/ Compare Schengen travel insurance plans using the HelloSafe comparison platform for the best options.
2/ Check guarantees and exclusions carefully, ensuring the plan meets Schengen requirements and covers planned activities.
3/ Purchase your chosen policy online in a few minutes.
4/ Receive your insurance certificate by email, ready to attach to your Schengen visa application.
Can I purchase Schengen travel insurance after booking my flights?
Yes, you can purchase Schengen travel insurance even after booking your flights or hotel. However, if you require a Schengen visa, you will need to provide the insurance certificate during your visa application. For peace of mind, buy insurance soon after confirming your travel dates.
How do I make a claim on Schengen travel insurance?
If you need to make a claim, contact your insurer’s emergency assistance number as soon as possible. Collect and submit all relevant documents, such as medical bills, hospital reports, and receipts. Most insurers have online claim portals, making the process faster and easier for Irish travelers abroad.
Does Schengen travel insurance cover pre-existing medical conditions?
Most standard Schengen travel insurance policies exclude pre-existing medical conditions. If you have existing health issues, check if your insurer offers additional cover for these at extra cost. Always declare your condition when purchasing the policy to avoid complications during claims.
Does Schengen travel insurance cover COVID-19 related medical expenses?
Many Schengen travel insurance policies now include cover for COVID-19 medical treatment if you test positive while abroad. However, coverage for quarantine costs or trip cancellation due to COVID-19 may not always be included, so read the policy details and exclusions carefully before committing.
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