Travel Insurance Comprehensive Guide
Everything you need to know about international travel insurance requirements, benefits, coverage limits, and required documents before applying for your visa.
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Professional Travel Insurance Assistance
At Hijarat Visa Consultancy Services, we help travellers obtain reliable travel insurance that meets international visa requirements. Our experienced team assists in selecting the most suitable policy based on your destination, travel duration, and purpose of travel.
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Countries where travel insurance assistance is available.
What is Travel Insurance?
Travel insurance is a policy that provides financial protection against unexpected events that may occur before or during your trip. It helps travellers reduce financial risk by covering eligible expenses related to medical emergencies, trip cancellation, baggage loss, passport loss, travel delays, and other covered incidents.
Whether you are travelling for tourism, business, study, family visits, or medical treatment, travel insurance provides peace of mind by ensuring that unforeseen situations do not result in a significant financial burden.
Medical Protection
Emergency treatment while travelling abroad.
Trip Protection
Coverage for cancellations and interruptions.
Baggage Coverage
Protection against lost or delayed luggage.
24/7 Assistance
Emergency support throughout your journey.
Why Do You Need Travel Insurance?
Travelling abroad comes with unpredictable challenges. Having proper travel insurance guarantees safety and financial stability.
Mandatory Visa Requirement
Many embassies, including Schengen countries, require proof of valid travel health insurance with a minimum coverage threshold before issuing a visa.
High Medical Costs Abroad
Medical treatment in foreign countries can be exceptionally expensive. Travel insurance helps cover unexpected hospital bills and emergency medical evacuations.
Trip Cancellations & Delays
If your flight is cancelled or delayed due to unforeseen emergencies, insurance protects your non-refundable booking investments.
What is Covered & Excluded?
Understanding policy limits ensures you choose the right plan for your travel needs.
Generally Covered
Inpatient, outpatient care, and emergency surgery coverage.
Transportation back to home country in medical emergencies.
Reimbursement for lost items and emergency travel document replacement.
Generally Excluded
Medical conditions present prior to policy purchase (unless explicitly added).
High-risk activities like skydiving or off-piste skiing without add-ons.
Losses caused due to personal negligence or leaving items unattended.
Required Documents for Policy
Provide basic details to receive your official travel insurance certificate promptly.
Passport Copy
Clear scan of the original passport validity pages.
Travel Dates
Exact departure and return dates for policy period coverage.
Destination
List of countries or regions (e.g., Schengen, Worldwide) to be visited.
Personal Info
Contact details, age, and emergency contact details.
Frequently Asked Questions
Find answers to common questions about international travel insurance policies and visa compliance.
Is travel insurance mandatory for Schengen visas?
Yes, medical travel insurance is compulsory for all Schengen visa applicants. The policy must offer minimum coverage of €30,000 for emergency medical costs and evacuation, valid across all Schengen member states.
When should I purchase my travel insurance policy?
It is best to purchase travel insurance right after booking your trip or at least 1–2 weeks before your visa appointment, as proof of insurance is needed during document submission.
What happens if my visa application gets rejected?
Most insurance providers offer policy cancellation or date revision options in the event of an official visa refusal, subject to policy terms and submission of the embassy refusal letter.
Does travel insurance cover pre-existing medical conditions?
Standard policies usually exclude pre-existing medical conditions. However, specialized rider covers or specific policy plans can be arranged upon request during application.
How do I file a claim while abroad in an emergency?
You can contact your provider's 24/7 global helpline number printed on your insurance certificate. Keep all original receipts, medical reports, and police reports (for lost baggage) to process your claim smoothly.
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