Travel Insurance for Europe from India (2026)
Planning a European holiday? Whether you are heading to the Eiffel Tower in Paris, the Colosseum in Rome, or the Swiss Alps, travel insurance for Europe is not just a smart choice - it is a mandatory Schengen visa requirement. Indian travellers need a policy with a minimum medical cover of €30,000 (approximately ₹26.8 lakh) before the embassy will stamp their passport. At NRIOL, we have been helping Indian families and solo travellers secure their Europe trips since 1997. Compare plans from India's top insurers and buy online in minutes. Need help? Call us at call (080)-41101026.
- task_alt Travel insurance plans for Europe from India starting at just ₹29 per day*
- diversity_3Available for travelers from age 3 months to 99 years
- account_balance_walletMaximum coverage up to $1,000,000 USD, depending on the selected plan
- calendar_monthPlans can be purchased for up to 360 days
- medical_servicesCovers Emergency Medical Expenses including COVID-19
- local_hospitalCashless Hospitalization Worldwide
- health_and_safetyNo Medical Tests required
- shopping_cartBuy Online Instantly – No Documents Required
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Why Every Indian Traveller Needs Europe Travel Insurance
Europe is one of the most visited continents by Indians and also one of the most expensive places to fall ill. A single night in a German hospital can cost upwards of ₹1.5 lakh. A medical evacuation flight back to India can run into ₹15–30 lakh. Travel insurance for your Europe trip covers all of this so an unexpected health setback does not wipe out years of savings.
Beyond medical emergencies, a comprehensive Europe travel insurance policy also covers:
- Flight delays and missed connections (common at major European hubs like Frankfurt and Amsterdam)
- Loss or theft of baggage and passport especially relevant in crowded tourist cities
- Trip cancellation due to illness, bereavement, or unforeseen circumstances
- Personal liability if you accidentally injure someone or damage property abroad
- Home burglary cover while you are away
Europe Travel Insurance Plans & Cost (2026)
All plans below meet Schengen visa requirements. Prices shown are indicative for a 60-day trip for a 35-year-old adult. Use the quote tool above for your exact premium.
*Price shown is for a 60-day trip to Europe for an adult aged 25. Premiums vary by age, trip duration & destination. Get an instant quote for your trip.
Is the Same Policy Valid for All European Countries?
Yes a Schengen travel insurance policy from India covers all 29 Schengen member countries: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.
One visa, one insurance policy, multiple countries. That is the real advantage of the Schengen system for Indian tourists planning a multi-country Europe itinerary.
Important: Some popular destinations like the UK, Ireland, and Turkey are not part of the Schengen zone. If your itinerary includes these countries, inform NRIOL at the time of purchase so your policy is extended to cover them. Call call (080)-41101026 for guidance.
How to Buy Europe Travel Insurance from NRIOL - 5 Simple Steps
- Select "Europe / Schengen" as your destination in the quote form above.
- Enter the number of travellers and their dates of birth.
- Enter your travel start and end dates. (Tip: add 7–10 extra days as a buffer visa rejections have occurred when the insurance period exactly matches the trip duration.)
- Click View Plans to compare coverage and premiums side by side.
- Select your plan and pay securely online. Your policy document is emailed instantly.
What NRIOL's Europe Travel Insurance Covers
- Emergency medical expenses including hospitalisation, surgery, and ICU
- Emergency dental treatment
- Medical evacuation to the nearest suitable hospital
- Repatriation of mortal remains to India
- Compassionate visit - economy airfare for one family member if you are hospitalised for more than 7 days
- Loss of checked-in baggage and baggage delay allowance
- Loss of passport - reimbursement for emergency travel documents
- Trip cancellation and curtailment
- Trip delay (meals and accommodation allowance)
- Missed flight connection
- Accidental death and permanent total disability
- Flight hijacking allowance
- Daily hospital cash allowance
- Automatic policy extension if your return to India is delayed due to a medical emergency
- Home burglary protection while you are in Europe
- Covid-19 covered
Which European Country Are You Visiting? Get a Tailored Guide
While a single Schengen policy covers all of Europe, each country has its own character — and its own practical tips for Indian travellers. We have put together dedicated guides for the most popular destinations:
- Travel Insurance for Germany - Healthcare, EES entry rules, and what Indian tourists should know
- Travel Insurance for France - Paris pickpocket risks, consulate tips, and visa approval rates
- Travel Insurance for Italy - Rome to the Amalfi Coast, travel cover and practical advice
- Travel Insurance for Spain - From Barcelona to Seville, what your policy should cover
- Travel Insurance for Switzerland - Alpine adventures, ski cover, and premium plan recommendations
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 Schengen countries. 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.
Frequently Asked Questions - Europe Travel Insurance from India
Is travel insurance mandatory for a Europe/Schengen visa?
Yes. Travel insurance is a non-negotiable document for your Schengen visa application. The policy must show a minimum medical sum insured of €30,000 and must be valid for every day of your stay in the Schengen Area. Without it, your visa application will be rejected.
How much does Europe travel insurance cost for an Indian?
Plans start from around ₹26 per day. The exact premium depends on your age, trip duration, and the sum insured you choose. A 35-year-old travelling for 30 days with $50,000 coverage typically pays around ₹800–₹1,200 for the entire trip. Senior travellers above 60 years attract higher premiums.
Can I buy a single policy for a multi-country Europe trip?
Yes. All Schengen travel insurance plans sold through NRIOL are valid across all 29 Schengen countries simultaneously. There is no need to buy separate policies for each country.
How long in advance should I buy 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.
Can I extend my Europe travel insurance if my visa is extended?
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.
Are pre-existing conditions covered under Europe travel insurance?
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.
Why Buy Your Europe Travel Insurance Through NRIOL?
- Trusted since 1997 - Over two decades of helping Indians travel to Europe worry-free
- Consulate-accepted policies - All plans meet Schengen visa requirements and have been accepted at European embassies
- Instant policy delivery - Email confirmation within minutes, no waiting, no courier
- Expert human support - Call (080)-41101026 to speak with a travel insurance advisor, not a chatbot
- Claims assistance - We stay with you through the claims process, not just the purchase