While traveling to any Schengen country, it is compulsory that non US travelers have Schengen Visa Travel Insurance. Without this travel insurance plan, nobody can travel to any of the Schengen countries listed herebelow.
There are 25 countries in Europe which require Schengen Visa for all Non US visitors who wish to travel on a leisure tour or a business trip. The listed countries are Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Hungary, Iceland, Italy, Greece, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.
Travelers to any of the above mentioned countries must not forget to apply for travel insurance when they apply for Schengen Visa. Validity of the travel insurance solely depends upon the validity of the Schengen visa; in short, both Schengen Visa & Travel insurance must be valid right from the time the traveler lands in a country until the time he moves out of that country.
A Schengen Visa is valid for a minimum of 14 days upto 90 days or 3 months; therefore, the validity of the insurance cover should also remain same. It can also be extended depending upon the time frame the traveler will be in the country. The minimum medical cover required for travel insurance to any of the Schengen countries listed above is $37,500.
The insurance covers emergency medical expenses such as prescription of drugs, trip cancellation, lost baggage, trip interruption, delay in baggage and even accidental death. The travel insurance does not cover pre existing medical conditions.
While taking a travel insurance policy for the country you plan to travel, ensure that the travel insurance company has got their own representative office in that country of travel. If not, check with other travel insurance companies. Once a traveler returns back to his home country, the policy becomes void.
A visitor does not require undergoing any medical examination inorder to avail the travel insurance cover. For example - a $50,000 travel cover, for a couple who are both aged 25 years, the premium works out to only $79 for one month for both together. The benefits available are hospital room expenses, intensive care unit, surgery, drugs etc. for a total amount of $50,000 incase the traveler had to be hospitalized during this period.
If you are planning to travel France or any of the 25 Schengen visa countries, you can visit and learn more about travel insurance for France.