Best Schengen Travel Insurance for Indian Tourists

Which Schengen Travel Insurance Is Right for You?

The right Schengen travel insurance depends on your budget, medical coverage needs and travel plans. Here are some options to compare before your European trip.

• Budget-friendly cover → Silver Plan → $50,000 medical coverage, starting at ₹29/day*.
• Higher medical coverage at a moderate premium → Gold Plan → $250,000 medical coverage, starting at ₹38/day*.
• Cover for eligible life-threatening pre-existing conditions → Titanium Plus Plan → Up to $20,000 for eligible life-threatening pre-existing conditions, with $1 million overall medical coverage, starting at ₹64/day*. Conditions and exclusions apply.
• Trip cancellation protection → Gold Plan → $750 trip cancellation benefit and $250,000 medical coverage, starting at ₹38/day*. Cancellation is subject to policy conditions.
• Visiting multiple Schengen countries, such as France, Italy and Germany → Silver Plus Plan → $100,000 medical coverage, starting at ₹35/day*. Confirm that the selected geographical coverage includes all your destinations.
• A European holiday with higher medical cover → Platinum Plan → $500,000 medical coverage and $1,000 trip cancellation benefit, starting at ₹48/day*.
• An expensive European trip where you want the highest available medical limit → Titanium Plus Plan → $1 million medical coverage and $1,500 trip cancellation benefit, starting at ₹64/day*.

How to Choose the Best Schengen Travel Insurance?

The best Schengen travel insurance is one that meets the visa requirements for your application and provides appropriate cover for your trip. The cheapest policy may meet the minimum requirement, but a plan with a higher medical limit or additional benefits may be more suitable for some travellers.

Before choosing a policy, compare these factors:

• Visa compliance: Check that the policy meets the medical insurance requirements applicable to your Schengen visa.
• Medical coverage: Confirm the sum insured and the expenses covered for emergency medical treatment and hospitalisation.
• Repatriation benefits: Check cover for medically necessary repatriation and repatriation of remains, as required by the applicable rules.
• Trip duration: Make sure the policy covers your complete intended stay, including the relevant travel dates.
• Age eligibility: Check whether the selected plan is available for your age, especially if you're travelling with parents or senior family members.
• Policy exclusions: Read the terms for pre-existing diseases, adventure activities, deductibles and other limitations that may affect your trip.

There isn't one policy that is automatically the best choice for every traveller. Compare the actual benefits, exclusions and premium before making your decision.

*Price shown is for a 60-day trip for a 25-year-old adult travelling overseas. Get an instant quote for your exact trip.

Schengen Visa Travel Insurance Requirements for Indians

Travel medical insurance is generally required when applying for a uniform Schengen short-stay visa. The policy must satisfy the applicable requirements, regardless of whether you're visiting for sightseeing, a family holiday or a short European tour.

Your insurance should meet these key conditions:

• Minimum cover of €30,000: The policy must provide at least €30,000 in medical insurance cover.
• Valid throughout the Schengen Area: The geographical coverage must include all Schengen countries relevant to the visa requirements.
• Coverage for the intended stay: The insurance must cover the entire intended stay or transit period, as applicable.
• Emergency medical expenses: The policy must cover eligible expenses for urgent medical attention and emergency hospital treatment.
• Repatriation: The policy must include the required repatriation coverage, including in the event of death.

The exact policy terms matter. Don't rely only on a plan's name or a statement that it is suitable for Europe. Check the certificate and policy wording before submitting your application.

What Does Schengen Travel Insurance Cover?

Benefits depend on the insurer and the plan you purchase. Depending on the policy, travel insurance may include:

• Emergency medical expenses: Eligible medical treatment for a sudden illness or injury during the insured trip.
• Emergency hospitalisation: Covered hospital expenses subject to the policy terms.
• Medical evacuation and repatriation: Eligible expenses for medically necessary evacuation or return arrangements, within the policy limits.
• Repatriation of remains: Covered arrangements in the event of the insured traveller's death, subject to the policy wording.
• Baggage-related benefits: Some plans cover specified baggage loss or delay.
• Travel disruption benefits: Some plans include eligible trip cancellation, delay or missed-connection expenses.

Not every benefit is included in every policy. Baggage, cancellation and flight-delay benefits may have separate limits and conditions, and they do not replace the medical coverage required for the visa.

Is €30,000 Enough for Schengen Travel Insurance??

The minimum medical insurance cover required for a Schengen visa is €30,000. This is the regulatory minimum, not a recommendation that every traveller should buy only the minimum amount.

When comparing travel insurance from India, you may find policies offering medical cover expressed in euros or US dollars. Compare the actual sum insured, the benefits included within it and any sub-limits or exclusions.

A higher sum insured may be worth considering if you're travelling for a longer period, are concerned about unexpected medical expenses or want more protection than the visa minimum.

Remember that the total sum insured doesn't necessarily apply separately to every benefit. Always read the policy schedule to understand the applicable limits.

How to Choose Schengen Travel Insurance for Your Trip

Your travel plans should guide your insurance choice. Here are a few situations to consider before buying.

Insurance for a Short European Holiday

For a sightseeing trip or a holiday lasting one or two weeks, start by checking visa compliance, emergency medical cover, repatriation benefits and the policy dates. You can then compare premiums and other benefits to find a suitable option.

Insurance for Multi-Country Schengen Trips

You may travel through France, Italy, Switzerland and other European destinations on the same trip. Check that the policy's geographical coverage meets the Schengen requirements and includes every destination on your itinerary.

Don't assume that a policy covering one European country automatically covers the entire Schengen Area.

Schengen Travel Insurance for Parents and Seniors

Age eligibility and medical terms deserve extra attention when choosing insurance for older travellers. Check the available sum insured, any age-specific restrictions, deductible amounts and the policy's terms for pre-existing medical conditions.

A policy that meets the visa minimum may not provide the level of coverage your family wants.

Schengen Travel Insurance for Longer Trips

Choose a policy that covers the full intended travel period and check whether the selected plan permits the required duration. Review the policy dates carefully, particularly if your itinerary includes connecting travel or multiple destinations.

What Does Schengen Travel Insurance Not Cover?

Travel insurance does not cover every expense incurred during a trip. Common restrictions may include:

• Routine medical check-ups and planned treatment.
• Pre-existing medical conditions, except where the policy expressly provides cover.
• Expenses above the applicable benefit limit or sub-limit.
• Claims that do not satisfy the policy's conditions.
• Excluded activities, illnesses or circumstances specified in the policy wording.

The exclusions vary between insurers and plans. If you have a medical condition, intend to take part in adventure activities or need a particular benefit, confirm the applicable terms before purchasing.

How to File a Travel Insurance Claim from Schengen Area?

Follow these steps or check our travel insurance claim process guide for complete details.

Schengen Travel Insurance Checklist Before Your Visa Appointment

Use this checklist before submitting your application:

• The policy meets the applicable minimum medical coverage requirement of €30,000.
• The geographical coverage satisfies the Schengen visa requirements.
• The insured dates cover the entire intended stay or transit period.
• Emergency medical treatment and hospitalisation are covered.
• Required repatriation benefits are included.
• The traveller's name and other policy details are correct.
• You have a copy of the insurance certificate and understand the relevant policy terms.

A compliant insurance policy is one part of a visa application. Meeting the insurance requirement does not guarantee visa approval, as the consulate assesses the application as a whole.

Schengen Travel Insurance for Senior Citizens from India

Planning a European holiday with your parents? Choosing Schengen travel insurance for senior citizens requires a little extra attention. Along with meeting the visa requirements, check the available medical coverage, age limits and policy conditions before buying.

Insurance options and premiums can vary depending on the traveller's age, trip duration and selected sum insured. If your parents have pre-existing medical conditions, read the policy wording carefully to understand whether any related medical expenses are covered and what exclusions apply.

Before purchasing, make sure the policy meets the Schengen visa insurance requirements, covers the entire planned trip and provides suitable medical protection for your parents.

You can also explore our guide to Schengen travel insurance for senior citizens to compare options and understand the coverage available for older travellers.

Can I Renew Travel Insurance from Abroad?

If you're extending your stay abroad, check that your insurance remains valid for the entire duration of your stay.

If your stay is extended and your travel insurance is about to expire, you can renew the policy or extend your coverage online. Please fill in the renew overseas travel insurance form online and submit the relevant documents to our insurance advisors. Our customer support team will then send them to the underwriting team for review and approval.

Once approved, you can renew the policy and make the payment online while you are overseas.

It is better to request an extension before your current policy expires. A renewal is not automatic, and coverage for a pre-existing condition will depend on the terms of the renewed policy.