Global Insurance Partners
Why You Need Travel Insurance for Europe
Traveling to Europe is exciting — but things can go wrong. Medical emergencies, lost luggage, or trip cancellations can quickly become costly if you don’t have proper coverage.
Traveling to Europe is exciting — but things can go wrong. Medical emergencies, lost luggage, or trip cancellations can quickly become costly if you don’t have proper coverage.
If you are applying for a visa for a country in the Schengen Area, travel medical insurance is usually mandatory, and you must show proof when you apply.
Coverage Comparison
| Medical & Health Coverage | Travel & Trip Protection |
|---|---|
Emergency medical treatment and doctor visits
| Trip cancellation, interruption, or delays
|
Hospital stays and urgent care visits
| Lost, delayed, or stolen baggage
|
Emergency medical evacuation and repatriation of remains (if needed)
| Coverage for sudden acute onset of pre-existing conditions (depending on plan)
|
Coverage for lost or stolen passports or travel documents (in many plans).
| Optional add-ons for extra protection (depending on plan) such as additional assistance, optional coverage extensions, etc.
|
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Get Europe / Schengen Travel Insurance with Smartchoice
At Smartchoice.pk we offer global travel insurance plans suitable for Europe and Schengen travel.
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Schengen & Europe Travel Insurance FAQs
Yes. Travel medical insurance is a mandatory requirement for all Schengen visa applicants. You must have at least €30,000/$50,000 in medical coverage valid across all 27 Schengen countries, including emergency evacuation and repatriation.
Schengen travel insurance covers emergency medical treatment, hospitalization, evacuation, repatriation, accidental injury, and in many plans, acute onset of pre-existing conditions. Some plans also include trip delay, baggage loss, and travel disruption benefits.
After purchasing your policy through Smartchoice.pk, you will receive an insurance certificate via email with all required details — policy number, coverage amount, travel dates, and Schengen compliance — which you can print and submit with your visa application.
No. You must purchase Schengen-compliant travel insurance before submitting your visa application because the embassy requires your insurance certificate as part of the documentation.
It covers all countries in the Schengen Zone. If you plan to visit non-Schengen European countries as well (e.g., UK, Turkey), check if your plan includes additional coverage or buy a separate global travel insurance policy.