Schengen Travel Insurance | HCCMIS
Since the Schengen Visa does not actually require you to apply for and obtain a traditional visa, many people are not too concerned about some of the typical planning that goes along with planning an international trip. When you apply for a traditional visa you have to go through an application process, establish that you are financially stable, establish that you have close ties to your home country, provide proof of insurance, and attend a consular interview. None of these things are necessarily required when traveling through the Schengen Zone, but that does not mean things like Schengen travel health insurance are not important. In fact, it is in your best interest to consider purchasing Schengen travel medical insurance before you leave home.
Schengen Visa Information
The Schengen Zone comprises 26 different countries in Europe, and the agreement allows those traveling for tourism and business purposes to travel freely between those 26 Schengen countries. Before you leave home and start traveling Europe, there are a few things you need to know and understand about the Schengen Visa.
- The Schengen Agreement allows travelers to only remain in Zone countries for up to 90 days within a six-month period. For travelers, this means that you cannot stay for 90 days, leave for two, and then return after those two days. In fact, every traveler must stay outside of the Schengen Zone for 90 days before returning, unless you are traveling on a different visa.
- You do not need an actual visa to enter the Schengen Zone, but you must have a valid passport issued by your home country . The passport must also be good for at least three months after your intended stay is over. For travelers, this means that if you plan on being in the Zone for two months, then your passport must be valid for at least five months.
- If you are not traveling for business or tourism, you may need to apply for and obtain the appropriate visa for your reasons of travel. For instance, if you are traveling for employment, study, or an internship, then you may need to apply for a visa. The best way to know if you need a visa or not is to contact the embassy or consulate of the Schengen Zone country you will be entering.
- The European Union requires that every non-EU traveler obtain a stamp on their visa no matter what country they are entering. Unfortunately, not every border or port of entry is staffed with someone to do this, which means in order to obtain that stamp you may have to seek out someone to stamp your passport. If you do not have the stamp in your passport when you try to leave the Zone, you may be questioned and required to prove how long you have actually been in Europe.
Travel Medical Insurance for Schengen Visa
When most people travel for business or for vacation/holiday, they tend not to think about all of the things that could happen to them or their family members. No one likes to think about being injured or becoming sick, but the truth is it can happen while you are traveling. That is why it is so important to have travel medical insurance for your trip through the Schengen Zone.
Between trying new foods, exploring new cities, and being surrounded by unfamiliar settings, you really have no idea what to expect when it comes to international travel. Injuries can happen anywhere, and you can become sick at any time. The best way to prepare for the unexpected, at least while traveling, is to make sure you purchase a Schengen travel health insurance plan . Now, you might be thinking, “I already have medical health insurance that keeps me covered.” However, it is important to know and understand that most domestic medical insurance policies do not keep you protected as you travel abroad.
HCC Medical Insurance Services (HCCMIS) provides those traveling through and in the Schengen Zone with an insurance plan that is designed to keep them protected and help them avoid high medical costs. With an Atlas Travel® plan, you will have all of the coverage you need as you travel, and it provides policyholders with great benefits and the travel medical insurance you need for the Schengen Zone. Some of the key benefits include:
Some key benefits include:
- Coverage for pre-existing conditions
- Guaranteed issuance
- No coinsurance outside of the U.S.
- Online enrollment capabilities
- Coverage for sports
- Emergency medical and political evacuations
Since you are planning to travel in Europe, you may be planning your trip with a group of friends. One of the best ways to experience the Schengen Zone is with a group of friends or family members, and HCCMIS understands that you may be traveling with a group, which is why we offer Atlas Group® . As long as you have five or more people traveling together, Atlas Group can provide you with a 10% discount on the Atlas Travel plan.
Other key benefits of HCCMIS include:
- 24/7 customer services
- Tracking for lost luggage
- Assistance replacing passports, visas, and other travel documents
- Access to an online account management tool that allows you to download information, change personal information, and pre-certify for certain procedures
- Travel alerts and warnings
- Embassy and consulate referrals
- Translation and interpretation referrals
Things to Know While Traveling in Europe
When you take a big trip, such as traveling through the Schengen Zone, it is important to know what to expect in terms of people, cultures, and ways of life. It is very likely that your home country is not going to be like the Schengen countries, so you should do some research before you leave home. When you research your travel destinations, you will learn more about the people, what things to do, where to go, and what to eat. However, do not over-prepare; there is something to be said for spontaneity and surprises. You may meet someone who suggests the perfect bistro or a fun boat ride down the local river. But you should have some idea of what to expect. In order to help prepare you for your trip, here are a few things about Europe you need to know.
- Food: If you are going to be visiting multiple countries in the Schengen Zone, then you need to be prepared to try a wide variety of foods and cooking styles. While there may be some overlap as you transition from country to country, you also need know that every country has a unique cuisine and specialty dishes.
- Transportation: There is a good chance that you are going to run into new forms of transportation, and you are going to experience more forms of public transportation. Whether it is a boat, train, bus, or taxi, you need to know the proper customs for tipping drivers, where to purchase tickets, and how to act while on transportation.
- Languages: While many people in Europe speak English, you need to realize that it is not necessarily the dominant language of the Zone; you are going to run into languages that you may not understand. While you probably are not going to run out and learn a new language just for your trip, you might consider trying to learn a few key phrases and purchasing a translation dictionary.
- Things to Do: Whether you enjoy historical sites, museums, shopping, architecture, or food, Europe has it all. However, because the Schengen Zone is so large, you should research the things you think you might want to do and draw up a sketch itinerary of your plans before you leave home.
The 26 Schengen Visa Countries
- Czech Republic
Taking advantage of the Schengen Visa to travel through Europe is a great way to see multiple countries, explore the cultures, and meet new people. Because of the agreement, travelers are able to get around more freely and travel without the hassles of applying for and obtaining multiple visas. However, do not forget to leave home without your Schengen Visa travel medical insurance. You may think that you are in incredible shape and extremely healthy, but as you travel you are going to experience new things, try new foods, and you never know when an accident can happen or when you may become ill. The best way to prepare for those unexpected situations is to purchase an insurance plan that will keep you covered as you travel.
HCC Medical Insurance Services, LLC (HCCMIS) is a service company that is a subsidiary of HCC Insurance Holdings Inc. HCCMIS is regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.ass="sharebar-buffer">