Best travel insurance for Europe [Schengen insurance]

All travelers who need to obtain a Schengen visa to visit Europe are required to have Schengen insurance, that is, travel insurance for Europe. For the rest of the cases it is not mandatory but it is recommended, not only for medical issues but for all the additional coverage that this type of insurance offers, such as early return for various reasons or coverage for theft or loss of luggage. 
If you are Spanish and have the European Health Card you will have access to healthcare under similar conditions as the local population, but In many countries it is not freeFor example, in Nordic countries the co-payment system is common, and you will have to...carpart of the cost of the medical service you received.

If you plan to apply for a Schengen visa to travel to Europe, it is essential to have appropriate travel insurance. This It is a mandatory requirement which applies regardless of the purpose of your trip, whether for tourism, business, studies or others. The insurance must provide a minimum coverage of €30.000 in medical assistance for your entire stay in the Schengen area, something very easy to obtain with the insurers that I recommend. 

It is crucial to know that Both obtaining a visa and entering any European country may be denied if you do not comply with this requirement.Therefore, make sure to verifycar Check if you need a visa and travel insurance for Europe before you travel. This will prevent problems and ensure you can make your trip. 

The Spanish-speaking countries that need a Schengen visa are Bolivia, Cuba, Ecuador, Dominican Republic and Equatorial Guinea. If you have a passport from a country where Spanish is not spoken, I suggest you check the specific travel requirements.

A very common question when it comes to choosing is what is the best insurance for traveling to Europe. The best known in the world of travel are Iati y Heymondo. However, if you are trying to decide which travel insurance for Europe best suits your needs, I have prepared a comparison table to help you. To ensure an impartial evaluation, I have compared a 9 day trip throughout Europe with the main insurers. I chose the cheapest travel insurance plan of each company, as long as it met the minimum Schengen insurance requirements. These are the results of the comparison:

If you view the table on mobile you can swipe to the right

As you may have seen in the previous table, the policy TotalTravel Mini from Intermundial es the cheapest policy and also includes very good coverage, enough for a trip through Europe, in an amount covered only behind HeyMondo. If you need a Schengen visa by contracting insurance with Intermundial, you could process it since it meets all the requirements.  

After making the comparison, I found that the policy of Intermundial insurance Not only is it the most affordable, but it also offers complete coverage and suitable for a trip through Europe.

It is worth notingcar All the options analyzed are recommended, as they meet the requirements for traveling to Europe. However, if you're looking for an option that combines affordability with comprehensive coverage, Intermundial would be a good choice. 

Just in case you don't know the companies I'm comparing, I'm going to give you some more information about these insurers so you can make the best decision.

It is a well-known Spanish insurance company with many years in the sector. She offers a very good customer service and you never have to advance money since they are incarThey manage everything before your doctor's appointment, for example. On the Trustpilot platform, which gathers reviews from over 1800 customers, it has a rating of 4,1 out of 5, confirming the good service of this insurer.

Your Totaltravel Mini policy is ideal for trips around Europe since it includes high coverage, only surpassed by Heymondo, and the best price on the market. It also has many other good coverages such as protection against loss or theft of luggage. 

In other destinations, Intermundial might be something more caror that the competition, but for Europe it has no rival today.

This Spanish insurance company It has grown a lot in recent years to become one of the most popular on the market. And it is no wonder since offers the best coverage at very competitive prices for almost any destination and type of trip. Much of its popularity is the good service and customer service it offers, as you can see. It has a score of 4,6 with more than 5000 opinions. It also has an app where you can receive medical advice and assistance if you need it.

It may be the best known insurer since it is one of the pioneers in this sector and has been offering very good travel insurance for many years. With Iati You also don't have to advance any money since they are done carI pay for all medical bills from the very beginning.
The only downside is that The price is slightly higher than its competitors. and in the case of the cheapest policy it does not include major coverage. In the case of Europe it is 50 thousand euros, being well below Intermundial and Heymondo.

This French insurer is less known than the three competitors we mentioned above but it also has very reasonable prices and very good services. In the case of your travel insurance for Europe Chapka It does not have as good coverage as its competitors and despite having good prices for long-term international tripsIn Europe, it is the largest insurer cara of this comparison.

All travel insurance for the Schengen zone offers similar coverage. The main difference is the maximum amounts covered in each case. Without going into details of the maximum amount, the most important coverages that you should consider are the following:

• Medical emergency expenses, the most important coverage in any travel insurance.
• Repatriation or health relocation. Covers expenses arising from having to return home due to a medical problem or relocation to a better hospital. 
• Dental emergency expenses.
• Family travel and living expenses. It covers round-trip flights and a hotel stay for a family member in the event of hospitalization for several days.
• Theft and loss or delayed delivery of luggage. Very important coverage to be able to buy the most essential things again. Please note that theft (careless theft) is not covered by any policy. 
• Delay in the means of transportation either on departure or return. The insurer will pay for an alternative means of transportation if the delay is more than 3 hours and will cover the daily expenses incurred if the delay is more than 12 hours. 
• Early return due to hospitalization or death of a family member.
• Liability insurance. Coverage for damages caused to third parties.
• Disability or death due to accident.
• Trip cancellation insurance. This coverage is not always included, it may be optional. You must add it when purchasing your long stay insurance.

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