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Visiting Greece? Choose your travel insurance wisely

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Published on May 14, 2021. EST READ TIME: 3 minutes

The Great Plague of Athens, which swept the city and state in 430 B.C., mirrored today’s pandemic. With uncertainty looming, the best you can do is be prepared for every conceivable contingency. Travel insurance has become even more significance in recent years, owing to the ever-changing circumstances all over the world. If you plan to visit Greece, travel insurance for Schengen visa is a mandatory requirement.

Why do I need travel insurance?

To begin, a Schengen visa is required for travel to Greece. The Schengen states require a minimum of € 30,000 in travel insurance coverage. But, more importantly, travel insurance is highly advised when visiting a foreign country because you are vulnerable to multiple possible factors that could derail your trip. Baggage issues, flight delays, personal accident, and so one can all deplete your savings while also putting a strain on your mental and physical health.

What kind of travel insurance should I get?

Depending on the purpose of your visit, travel insurance for Schengen visa can be categorised into the following:

• Individual

• Family

• Student

• Frequent Flyer

Depending on the number of trips they intend to make, solo travellers can avail the first or last option. If you are going with family, the second option is ideal. Travel insurance for the duration of your studies is ideal for you as a student. You can get travel insurance for a period of up to two years.

Ensure that the start date of your travel insurance policy is well in advance of your actual departure date. In the event of a last-minute change of plans, you will be compensated for the cancellation without incurring serious out-of-pocket expenses.

What should be covered in my insurance policy?

Choose a policy that provides comprehensive coverage. From medical to baggage and journey-related emergencies, you can then rest easy and focus on making the most of your trip.

• Medical coverage

  This includes any emergency medical expenses incurred as a result of an accident. Cashless treatment facility, along with a daily cash allowance for smaller expenses, will keep you covered seamlessly. Opt for a Covid-inclusive policy to ensure that your needs are met in case of an infection.

  Dental emergencies may arise, and being prepared for them will help you smile through the tough times. Medical evacuations to the nearest hospital, lumpsum compensation in case of accidental death or permanent disability, and body repatriation to the home country should all be provided.

  Students should also consider policies that provide sponsor protection, along with compassionate visits (on medical grounds), and study interruption due to hospitalisation.

• Baggage coverage

  Any baggage loss or delay in baggage collection should be compensated. In case of loss of passport, you should be reimbursed for the cost of obtaining a new/temporary one.

• Journey-related coverage

  If you are accidentally liable for any third-party damage while travelling, choose a policy that provides personal liability coverage. In case of theft, robbery, or dacoity, your plan must include emergency financial assistance. Extended hotel stays due to a medical emergency should also be covered.

Flight delays are common, and the insurance provider will reimburse any essential purchases. While flight hijackings are rare, it is prudent to take coverage for that eventuality as well, leaving you one less thing to worry about.

While most things are covered, most travel insurance providers may not cover a few situations.

What is excluded from coverage?

Health issues brought caused by a violation of the law or the use of intoxicating substances are not covered. Self-inflicted injuries and injuries sustained while participating in adventure sports are not covered. Moreover, any pre-existing diseases, as well as cosmetic and obesity treatments, are usually out of coverage.

Have a safe trip

In short, travel insurance is a financial safety net that you can use for yourself and your family to avoid tainting what should be an enjoyable experience. Your travel insurance for Schengen visa can be extended to other member countries as well, allowing for a hassle-free, multicultural experience. Choose a policy that covers all potential emergencies, including the virus that has thrown a wrench in the works of life. Safe travels!

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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