Travel Insurance for Europe
Healthcare costs in Europe can be expensive for international travellers. Europe travel insurance starts from ₹29/day, with up to USD 1 million medical coverage and optional pre-existing condition cover.
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Brandenburg Gate, Europe
Designed for Indians Travelling to Europe
- checkCashless Hospitalization across Europe
- check24×7 emergency assistance
- checkBuy Online - Easy & Convenient
- checkEligible emergency cover for certain pre-existing conditions (Terms and conditions apply)
Which Travel Insurance Is Best for Europe?
Even a short hospital stay can cost far more than the price of your holiday. Choosing Europe travel insurance with cashless hospitalisation helps protect you from unexpected medical expenses abroad.
What Does Travel Insurance for Europe Cover?
Travel insurance is generally recommended for Indian travellers visiting Europe and is mandatory for Schengen visa applicants travelling to the Schengen Area. Unexpected medical treatment, emergency hospitalisation, flight delays, lost baggage, and passport loss can result in significant expenses while travelling abroad. The best travel insurance for Europe can help protect you against eligible financial risks and provide assistance during your trip, giving you greater confidence and peace of mind.
Note: Travel and entry requirements can vary depending on your destination, nationality, purpose of travel, and other circumstances. Indian travellers should check the latest visa, travel insurance, and entry requirements for the countries they plan to visit before departure.
Emergency Medical Treatment
Europe travel insurance can help cover eligible emergency medical treatment, hospitalisation, ambulance services, and emergency medical assistance during your trip, subject to the policy terms and coverage limits.
Trip Cancellation or Interruption
Unexpected circumstances can disrupt your European holiday. Depending on the policy, you may be reimbursed for eligible non-refundable flight, hotel, and booking expenses if your trip is cancelled or interrupted for a covered reason.
Baggage Delay or Loss
Lost, stolen, or delayed baggage can disrupt your European trip. Eligible benefits may provide reimbursement for essential purchases and covered baggage loss or delay, subject to the policy terms.
Passport & Document Loss
Losing your passport or important travel documents abroad can be stressful. Depending on the policy, you may receive eligible financial assistance for replacement documents and related expenses.
Europe Travel Insurance: Key Facts for Indian Travellers
Planning a trip to Europe? Here's a quick overview of Schengen visa requirements, travel insurance, entry requirements, medical coverage, and premiums for Indian travellers.
| Travel Information | Details |
|---|---|
| Do Indians Need a Visa for Europe? | It depends on the country. Indian passport holders generally need a visa to visit Schengen countries for short stays. Visa requirements differ for non-Schengen European countries, so travellers should check the latest requirements for each destination. |
| Is Travel Insurance Mandatory for Europe? | Yes, for Schengen visa applicants. Travel medical insurance is generally required when applying for a Schengen visa. The policy must meet the applicable Schengen requirements, including minimum medical coverage of €30,000 for covered medical emergencies, hospitalisation, and repatriation. |
| Schengen Visa Travel Insurance | Required for Schengen visa applications. The insurance policy should provide coverage throughout the Schengen Area and for the entire period of the intended stay, subject to the applicable visa requirements. |
| Minimum Travel Insurance Coverage Required | €30,000. For Schengen visa applications, travel medical insurance must generally provide at least €30,000 in coverage for emergency medical treatment, hospitalisation, and repatriation. |
| Recommended Medical Cover | €50,000 or higher can provide greater financial protection for medical emergencies during a European trip. Travellers should consider higher coverage limits based on their age, health circumstances, trip duration, and activities. |
| Europe Travel Insurance Cost | Plans can start from ₹29/day, depending on your age, trip duration, destination, sum insured, and optional benefits selected. |
| Who Should Buy Europe Travel Insurance? | Ideal for Indian tourists, families, business travellers, senior citizens, students, and other travellers visiting Europe. Travel medical insurance is particularly important for travellers applying for a Schengen visa. |
Who Should Buy Europe Travel Insurance from India?
Indian Tourists
Europe Travel Insurance is ideal for Indian tourists visiting Europe for holidays, family vacations, and sightseeing.
- check_circle Emergency medical coverage
- check_circle Trip delay & baggage protection
- check_circle Personal accident benefits
Senior Citizens
Travel Insurance for Europe is recommended for senior citizens who need enhanced medical protection while travelling abroad.
- check_circle Higher medical coverage limits
- check_circle Coverage for eligible pre-existing conditions
- check_circle 24/7 travel assistance support
Travellers with Pre-Existing Conditions
Travel Insurance Europe offers travellers with eligible pre-existing medical conditions (T&C apply).
- check_circle Coverage for eligible pre-existing conditions
- check_circle Emergency medical assistance
- check_circle Flexible coverage options
Students
Europe Travel Insurance is suitable for Indian students travelling to Europe for higher education and long-term study programmes.
- check_circle Medical & hospitalisation coverage
- check_circle Study interruption benefits
- check_circle Sponsor and tuition fee protection
Travelling to Europe With Diabetes, High Blood Pressure or Other Pre-existing Conditions
If you have diabetes, high blood pressure, asthma, or another pre-existing medical condition, you may still be able to buy Europe travel insurance. However, having travel insurance does not automatically mean your existing medical condition is covered. Coverage depends on the insurer, plan and policy terms.
For Indian senior travellers: If you are travelling to Europe with diabetes, high blood pressure or another pre-existing medical condition, check the pre-existing condition wording, exclusions, sub-limits and eligibility requirements before buying.
Is Travel Insurance Worth It for a Short Europe Trip?
Yes. Travel insurance can be worthwhile even for a short Europe trip, helping cover eligible medical emergencies, hospitalisation, baggage loss or delay, trip cancellation, and other unexpected travel expenses. For trips to the Schengen Area, travel medical insurance is also generally required when applying for a Schengen visa. The right coverage depends on your destination, trip duration, age, activities, and policy terms.
How Much Does Travel Insurance for Europe Cost from India in 2026?
Europe travel insurance from India starts at ₹29/day and can cost up to ₹64/day, depending on the traveller’s age, trip duration, plan, and medical coverage selected.
SILVER
₹29/day*
$50,000 cover- check_circle Pre-existing Conditions up to $2,500
- check_circle Baggage loss $200
- check_circle Trip cancellation $500
SILVER PLUS
₹35/day*
$1 lakh cover- check_circle Pre-existing Conditions up to $5,000
- check_circle Baggage loss $200
- check_circle Trip cancellation $500
GOLD
₹38/day*
$2.5 lakh cover- check_circle Pre-existing Conditions up to $10,000
- check_circle Baggage loss $300
- check_circle Trip cancellation $750
PLATINUM
₹48/day*
$5 lakh cover- check_circle Pre-existing Conditions up to $12,500
- check_circle Baggage loss $300
- check_circle Trip cancellation $1,000
TITANIUM
₹53/day*
$7.5 lakh cover- check_circle Pre-existing Conditions up to $15,000
- check_circle Baggage loss $400
- check_circle Trip cancellation $1,000
TITANIUM PLUS
₹64/day*
$10 lakh cover- check_circle Pre-existing Conditions up to $20,000
- check_circle Baggage loss $500
- check_circle Trip cancellation $1,500
*Price shown is for a 60-day trip to Europe for an adult aged 25. Get an instant quote for your exact trip.
Which Is the Cheapest Travel Insurance for Europe?
The Silver Plan is the cheapest Europe travel insurance option, starting at ₹29/day for a 25-year-old Indian traveller on a 60-day trip, with USD 50,000 medical coverage. Best for budget-conscious travellers.
Which Is The Best Travel Insurance for Europe from India
The Silver Plus Plan is a suitable choice for most Indian travellers, starting at ₹35/day for a 25-year-old on a 60-day trip, with USD 100,000 medical coverage and higher protection. Best for travellers seeking a balance of price and coverage.
Why travel insurance for Indians visiting Europe is important
Why Even a Short Hospital Visit in Europe Can Be Expensive?
Healthcare costs can be high for travellers in many European countries, particularly when treatment is received at private hospitals or clinics. Foreign visitors may not be entitled to the same healthcare arrangements or reimbursement options available to local residents, and medical treatment can therefore result in significant out-of-pocket expenses.
These costs can add up quickly if you need specialist treatment, diagnostic tests, emergency care, surgery, hospitalisation, or an ambulance. An unexpected visit to a clinic or emergency department can turn a minor illness or injury into a substantial expense.
Europe Travel Insurance for Indians can help provide financial protection against eligible medical expenses during your trip. Depending on the policy, emergency medical treatment, hospitalisation, ambulance charges, and other covered medical expenses may be reimbursed or covered, subject to the policy terms and limits. For Schengen visa applicants, qualifying travel medical insurance is also generally required.
Travel Insurance for Europe from India
Choose travel insurance based on your destination, trip purpose, duration, age, activities, and required coverage.
| Travel purpose | Best for | Key coverage to consider |
|---|---|---|
| Tourist / Leisure | Indian tourists visiting European countries | Emergency medical expenses, hospitalisation, baggage loss or delay, trip delays, accidents, and personal liability |
| Business Travel | Indian professionals travelling to Europe for business | Emergency medical expenses, trip interruption, baggage loss or delay, personal liability, and travel assistance |
| Student Travel | Indian students studying in European countries | Medical expenses, hospitalisation, personal accident, emergency assistance, and study-related benefits where available |
| Family Visit / Long Stay | Travellers visiting family or staying in Europe for an extended period | Medical expenses, hospitalisation, emergency assistance, personal accident, and pre-existing conditions where specifically covered |
Note: Requirements vary by destination and visa type. Check the latest visa rules and policy terms before purchasing travel insurance.
How to Choose the Best Travel Insurance for Europe?
Planning a multi-country Europe trip? Compare coverage, medical limits, exclusions, and destination requirements before you buy.
Medical limit
Aim for at least USD 50,000 in emergency medical cover.
Pre-Existing Disease coverage
Some insurers offer limited coverage for pre-existing medical conditions - confirm the sub-limit.
Claim settlement ratio
Compare the insurer's latest claims data, claim process, exclusions and customer service before buying.
Cashless hospitals in Europe
Ensure access to a strong local cashless network.
Trip cancellation
Essential cover if you've booked expensive flights or hotels in advance.
How to File a Travel Insurance Claim While in Europe?
Follow these steps or check our travel insurance claim process guide for complete details.
Call the 24/7 emergency assistance number on your policy before seeking treatment, if your condition allows many insurers arrange cashless treatment at a network hospital.
Keep every original receipt hospital bills, pharmacy receipts, doctor's notes reimbursement needs full documentation.
Get a written medical report from the treating doctor describing diagnosis and treatment given.
For lost baggage or passport, file a report with the airline or local police within 24 hours and keep a copy.
Submit your claim online or by email as soon as you can, with all documents attached.
Quick Europe Travel Guide for Indians
Quick facts to help Indian travellers prepare for their Europe trip.
| What to know | Details | |
|---|---|---|
| language | Visa Requirements | Indian passport holders generally need a Schengen visa for short stays in the Schengen Area, subject to applicable visa rules |
| verified_user | Travel Insurance | Schengen visa applicants generally need travel medical insurance with at least €30,000 in coverage, subject to applicable requirements |
| calendar_month | Best Time to Visit | April to June and September to October are popular periods for many European destinations, although the best time varies by country and region |
| payments | Currency | The euro (EUR) is used by many European countries, while others use their own currencies |
| translate | Language | English is widely understood in many tourist areas, but local languages vary by country |
| location_city | Popular Places | France, Rome, Amsterdam, Zurich, Barcelona, Vienna and Prague |
| flag | Indian Embassies & Consulates | Indian embassies and consulates operate across Europe and can provide consular and emergency assistance to eligible Indian citizens |
Popular Europe Destinations and Travel Insurance Coverage
Whether you're visiting France, Rome, Switzerland, or Amsterdam, Europe travel insurance can help protect you against eligible medical expenses, trip delays, lost baggage, and other unexpected travel costs throughout your journey.
| Destination | Why Indians Visit | Why Travel Insurance Matters |
|---|---|---|
| France | Eiffel Tower, museums, landmarks, shopping and French cuisine | Emergency medical treatment, baggage loss, trip delays and travel assistance. |
| Rome, Italy | Colosseum, Vatican City, historic sites and Italian cuisine | Medical emergencies, trip interruption, baggage protection and travel assistance. |
| Switzerland | Alps, scenic rail journeys, lakes and mountain destinations | Emergency medical treatment, hospitalisation, evacuation and eligible activity-related cover. |
| Amsterdam, Netherlands | Canals, museums, historic neighbourhoods and cultural attractions | Medical emergencies, baggage loss, trip delays and travel assistance. |
| Barcelona, Spain | Gaudí architecture, beaches, culture and Spanish cuisine | Emergency medical assistance, baggage protection and eligible trip-related expenses. |
| France | Iconic landmarks, art, shopping and cultural experiences | Medical emergencies, passport loss, baggage protection and travel assistance. |
Planning a Multi-Country Europe Trip?
If your itinerary includes France, Italy, Switzerland, Spain or other European countries, choose a travel insurance plan that provides coverage across all the destinations on your itinerary. For Schengen destinations, make sure the policy meets the applicable visa insurance requirements.
International Airports in Europe
Europe is served by numerous major international airports. Indian travellers commonly arrive through major hubs such as France Charles de Gaulle Airport (CDG), Frankfurt Airport (FRA), Amsterdam Schiphol Airport (AMS), Rome Fiumicino Airport (FCO), and Zurich Airport (ZRH).
| International Airport | Location | Key Information for Indian Travellers |
|---|---|---|
| France Charles de Gaulle Airport (CDG) | France | One of Europe's major international gateways, with connections to central France and destinations across France and Europe. |
| Frankfurt Airport (FRA) | Frankfurt, Germany | A major European hub with extensive international connections and convenient rail links to Frankfurt and other German cities. |
| Amsterdam Schiphol Airport (AMS) | Amsterdam, Netherlands | A major international gateway with direct rail connections to Amsterdam and other destinations in the Netherlands and Europe. |
| Rome Fiumicino Airport (FCO) | Rome, Italy | Italy's largest international airport, providing access to Rome and convenient connections to other Italian destinations. |
| Zurich Airport (ZRH) | Zurich, Switzerland | Switzerland's largest international airport, with efficient rail connections to Zurich and other Swiss destinations. |
Tip: If your itinerary covers multiple European or Schengen countries, check that your travel insurance policy provides coverage across all destinations included in your trip.
Indian Embassies and Consulates in Europe - Contact Details for Indian Travellers
If you lose your passport, need consular assistance, or face an emergency during your trip, you can contact the nearest Indian Embassy or Consulate. Keep the contact details of the Indian mission in your destination country handy before travelling to Europe.
Indian Missions in Europe
Indian Embassies and Consulates operate in several European countries, including France, Germany, Italy, Spain, Switzerland, the Netherlands, Austria and other destinations.
Consular AssistanceIndian missions can provide assistance for matters such as lost passports, emergency travel documents and other consular services, subject to applicable procedures.
Emergency AssistanceFor urgent consular matters, contact the Indian Embassy or Consulate responsible for the area where you are travelling.
Contact details and timings vary by country and mission. Check the official Indian Embassy or Consulate website for your destination before travelling.
Travelling as a Family? Individual vs. Family Travel Insurance
Choosing the right type of travel insurance can help manage medical and travel-related risks when visiting Europe with family.
Individual Travel Insurance
Individual travel insurance provides coverage for an individual traveller. It can be suitable for solo travellers, senior citizens, business travellers or anyone looking for coverage based on their own travel requirements.
Explore Individual Travel Insurance Plans →Family Travel Insurance
Family travel insurance can provide coverage for eligible family members travelling together under one plan. It can be a convenient option for families visiting Europe, subject to the selected policy terms.
Explore Family Travel Insurance Plans →Studying in Europe? Europe student travel insurance plans differ from regular tourist travel insurance plans.
Student policies typically add sponsor protection (reimbursing tuition if a sponsor passes away or is permanently disabled), study interruption cover, longer policy durations matching an academic term, and optional maternity or dependent cover. Check your university or the European consulate’s minimum insurance requirement before choosing a plan.
Explore Student Travel Insurance Plans →Know before you buy
Entry/Exit System (EES) - What Indian Travellers Must Know in 2026
As of April 2026, the European Union's new Entry/Exit System (EES) is in operation across all 29 countries in the Schengen Area. This replaces the old passport stamp with a digital biometric registry. At the border, your fingerprints and photograph are recorded electronically. This does not change the insurance requirement you still need a valid Schengen travel insurance policy with at least €30,000 medical cover but it does mean first-time entry to Europe takes a few minutes longer. Factor this into connection times.
Know before you buy
What Is Not Covered Under Europe Travel Insurance?
Understanding policy exclusions can help you avoid unexpected claim issues. While exclusions vary by insurer and plan, Europe travel insurance policies may generally exclude:
- Pre-existing medical conditions - medical expenses related to pre-existing conditions may not be covered unless specifically included under the policy.
- Travelling for medical treatment - treatment or procedures that are the reason for travelling to Europe are generally not covered.
- Travelling against medical advice - claims may be excluded if you travel against your doctor's advice or while awaiting planned medical treatment.
- Self-inflicted injury or alcohol- and drug-related incidents - claims arising from intentional self-harm or incidents caused by alcohol or drugs may be excluded, subject to the policy wording.
- Unattended or negligently handled belongings - baggage or personal belongings left unattended or not reasonably protected may not be covered.
- War, civil unrest or other excluded events - losses arising from war, riots, civil disturbances, or other specifically excluded events may not be covered.
Always read the policy wording carefully before buying. Exclusions, conditions, coverage limits, and claim requirements vary between insurers and plans.
FAQs - Europe Travel Insurance
Buy your policy at least 3–4 weeks before your intended travel date. Most consulates require it as part of your visa application, and the policy should ideally cover a few extra days beyond your planned return date. NRIOL recommends adding 7–10 buffer days.
Yes. Most plans sold through NRIOL can be renewed or extended online. In a genuine medical emergency, policies extend automatically. Contact us at (080)-41101026 and we will assist with the endorsement.
Some plans do offer limited coverage for pre-existing conditions like controlled diabetes or hypertension - typically up to $2,500–$20,000 depending on the plan tier. Always declare any existing conditions at the time of purchase. NRIOL's team can help you identify the right plan. Call (080)-41101026.
You generally need valid travel medical insurance as part of your Schengen visa application. The policy must satisfy the applicable requirements, including territorial validity and minimum coverage.
Where Can I Buy Travel Insurance Online for Europe?
Indian travellers can compare and buy Europe travel insurance online before departing from India. Compare available plans, select the required coverage and complete the purchase online. You can also get travel insurance Europe online with coverage options based on your age, trip duration and medical protection requirements.
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