Travel
Protects against unexpected events on domestic or international trips, such as medical costs, baggage and cancellation.
What is Travel and how does it work?
Travel insurance pays medical costs if you fall ill or are hurt on a domestic or international trip, and where needed patient transfer and repatriation costs. Depending on the policy it also covers lost or delayed baggage and trip cancellation or interruption.
Many countries, especially in the Schengen area, require travel health insurance with a minimum sum insured for a visa application. When choosing a policy, consider the destination, trip length, your age, planned activities (skiing, diving) and how existing conditions affect cover.
Who is it for?
It suits anyone going on holiday, a business trip, study or a visit; annual policies exist for visa applicants and frequent travellers.
A pre-trip checklist
Check the visa requirements of your destination and the cover amount in the policy; some countries require a specific medical cover amount. Trip length, risky activities such as skiing or diving, and your need for baggage or cancellation cover decide the policy type.
If you have a health problem abroad, call the assistance line in the policy first; hospital choice and payment arrangements usually go through it. Keep the policy document on your phone and a printout with you.
How does the process work with Santerna?
First we listen to your needs and budget. Then we collect suitable quotes from the insurers we work with and put the cover and conditions side by side in a simple table. You make the choice; after the policy is issued we track the renewal date and stand by you when a claim happens. You can reach us by phone, WhatsApp or by visiting our office.
What does it usually cover?
- Emergency medical costs while travelling
- Lost or delayed baggage (depending on the policy)
- Trip cancellation and interruption
What to look at when choosing
- The destination's visa and health requirements
- The cover limit and trip length
- Whether pre-existing conditions and risky activities are covered
Frequently asked questions
Is travel insurance mandatory for a Schengen visa?
Yes, a Schengen visa application requires travel health insurance that meets the requirements of the countries concerned. We recommend checking the current conditions with the consulate before applying.
Is an existing condition covered?
Many policies exclude pre-existing conditions or cover them only in a limited way. This should be clarified at quote stage.
Who is an annual travel policy for?
For people who travel several times a year it can be more practical than a separate policy each trip. We check the duration and cover limits together.
Let us find the right one for you together.
Cover varies by insurer and policy; this page is general information.