Travel insurance protects you in case of:
The insurance certificate must:
High-end credit cards (Visa Premier, Mastercard Gold…): often travel insurance included if the ticket is paid with the card. Ask your bank for a personal certificate for the consulate.
To avoid visa refusal: provide a compliant certificate covering your entire stay. Choose unlimited repatriation and hospitalisation coverage if possible. Always check the acceptance of your insurer by the consulate.