Travel Insurance
Travel Insurance
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Plans start from ₹50 per day*

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Travel Insurance for Schengen, Plans starting
30 per day*
Plans include global Covid-19 coverage

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Schengen Countries
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Travel Insurance plans starting at just ₹30 per day*
  • No medical checkup required
  • Pre-existing coverage available
  • Instant Policy Issuance
  • Medical expenses, Trip cancellation/delay, Loss of baggage & Passport etc.
  • 24x7 claims support

* Price shown is for a 30 day trip to Schengen with 50,000 dollar coverage for an adult of age 25 years

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What is Schengen Travel Insurance?

Travel insurance for Schengen visa is mandatory for anyone travelling to Schengen countries. These countries allow entry once you meet all the requirements they set for the Schengen visa. This includes buying EUR 30,000 Europe travel insurance for Schengen visa.


Visitors from India also need to buy travel insurance policy for Schengen visa. The visa can be for one or more countries in this zone. No matter the number of Schengen countries you want to visit, travel insurance Europe from India is mandatory. Europe travel insurance from India protects you from financial emergencies and ensures required medical coverage in Europe.

Travel Insurance for Schengen Visa: Fast Facts

Take a look at the table below to learn more about this plan's features:

Categories Specifications
Number of European Countries Covered 27
Eligibility 0.6 to 70 years (or more)
Visa Duration (For Tourism) 90 Days (180 at maximum)
Benefits Trip Cancellation, Baggage and Passport Loss, Emergency Transportation and Treatment, Adventure Sports Cover, Trip Cancellation, etc.
Minimum Sum Insured €30,000
If Travel Insurance for Schengen Visa Mandatory Yes
COVID-19 Covered* By Most Insurers
Claim Settlement Available 24x7, Facility of Missed Call Service
Automatic Extensions Provided
Claim Procedure Smartphone-enabled, paperless claim settlement

Why Travel Insurance for Schengen Visa from India?

The best travel insurance for Europe trips offers coverage in all 27 European countries in the Schengen area. These are:

Austria Sweden Czech Republic Poland Netherlands Slovenia Spain
Norway Germany Portugal France Liechtenstein Switzerland Latvia
Lithuania Netherlands Denmark Finland Slovakia Greece Belgium
Luxembourg Hungary


Italy Malta Iceland

Please note that not all European countries are part of the Schengen territories. Out of 44 European countries, only these countries comprise the Schengen state.

Many people have a misconception that all European countries need a Schengen visa. Another common misconception is that all Schengen countries are a part of the European Union. Both of these groups are different, and this can confuse many people. Travel health insurance Europe will be valid in all the nations of its zone.

While travel medical insurance is necessary for a Schengen Visa, you must always prioritise your safety. You must consider buying the best travel insurance for Europe trip as an essential step, not a mere formality. While visiting an unknown country, you can face many contingencies that can ruin your budget.

Having the best travel medical insurance for Schengen visa from India will protect you from such risks. Many risks may arise from flight delays to baggage loss and trip curtailments, but your travel health insurance Europe will cover them.

Entry Essentials to Schengen Countries

You need travel insurance for Schengen visa from India with at least 30,000 EUR coverage to visit one or more Schengen countries. Be it tourism, business or medical treatment, you must have a Schengen visa to travel within these countries.

Many nationalities, including Indians, must obtain a Schengen visa before travelling. This is because a Schengen visa on arrival isn’t available. Other than travel insurance for Schengen countries, they may have additional entry requirements, so check their official websites for urgent updates.

Schengen Visa Procedure for Indians

Depending on the purpose of the visit, visas for Schengen countries allow the following types of Schengen visas for Indians:

  1. Single-entry
  2. Double-entry
  3. Multiple-entries

A short-stay visa is valid for up to 90 days within 180 days for business or tourist purposes, not more than three months.

Indians need to buy the best travel insurance for Europe from India to get their Schengen visa. They can apply for a Schengen visa only from their permanent resident country, i.e., in India. This is usually done through the official visa service provider such as VFS Global or BLS International. They must also schedule an appointment at the consulate of the Schengen destination country they are planning to visit.

Schengen Visa: Documents Required

Documents required for a Schengen visa also vary depending on the type of visa you apply for. Here are the general documents needed while applying for a Schengen visa:

  1. Duly filled and signed Visa application form
  2. Valid Indian passport
  3. Schengen area travel insurance policy with the medical cover of a minimum €30,000
  4. Confirmed Flight Tickets
  5. Round trip itinerary or reservation
  6. Two recent passport-size photographs (35 mm x 45 mm)
  7. ITR proof for the last 3 years
  8. Last 6 months’ bank statement
  9. A letter of declaration for travel and duration of stay
  10. Admission proof if travelling for further studies
  11. Appointment letter from the employer (if for work purposes)

You must submit a Schengen visa application at least 15 days before the trip date. Most travel experts advise applying it at least 30 to 60 before your trip. In some cases, the consulate may ask for additional documents.

Requirements for Schengen Travel Insurance from India

Having the best travel insurance for Europe trip will ensure your financial safety and peace of mind. Medical insurance for Schengen visa should meet the following criteria to obtain a valid visa:

  1. Coverage of EUR 30,000

    Your travel medical insurance for Schengen visa from India should have a minimum coverage of 30,000 Euros.

  2. Extent of Coverage

    It should cover any unforeseen medical emergencies, including medical illness, accidental injury and medical repatriation of remains.

  3. Schengen Visa Insurance Validity

    Your travel health insurance Europe should be valid in all 27 member Schengen countries.

The coverage of your Europe travel insurance will vary with the visa type. For example, there are also specific Schengen travel insurance plans for students.

Types of Schengen Visa

Depending on the duration of the stay and the purpose of visiting, different types of Schengen visas are available. Broadly, Schengen visa is divided into four main categories:

  1. Schengen Visa Type A
  2. Schengen Visa Type B
  3. Schengen Visa Type C
  4. Schengen Visa Type D

Uniform Schengen Visa (the most common Schengen visa) covers categories A, B & C. The general requirements are the same but may require additional documents depending on the visa type. Here is a brief overview:

Schengen Visa Type Additional Documents Required
Airport Transit Visa Valid visa for the final country, Flight Ticket for the last country
Visa to Visit Relatives or Friends Affidavit of Support, Travel Itinerary, Means of Subsistence, Letter of Invitation
Tourist Visa Bank Statement of last 6 months, Affidavit of Support, Travel Itinerary
Business Visa Round trip reservation or itinerary, Cover Letter, Letter from Employer, Invitation Letter, Income Tax Returns, Employment Contract
Training Visa Enrollment Certificate from the attending institute, NOC from applicant's current institute
Medical Visa Letter from a doctor/health institute from the home country, Official confirmation from the medical institute in the EU, Proof of financial means, Birth certificate and Letter of consent if the patient is a minor
Study Visa Two application forms, an Acceptance letter from the EU Educational institute, Proof of financial means
Working Visa Two application forms, Employment contract

The table consists of additional documents required for different Schengen visas for Indians. Essential documents listed in the previous section (including Schengen area travel insurance) are also required.

Transportation in Schengen Countries

Travelling within Schengen Countries and throughout Europe is quite convenient and affordable. All the countries have a vast network of buses, trains, planes, and rideshares. Within the Schengen zone, you can cross borders without passing passport control checks in each country.

  1. Trains

    The best and cheapest way to travel in most Schengen countries is by train. Belgium, Italy, Netherlands, Switzerland, etc., are famous for and scenic train rides. Antwerp, Ghent, and Bruges are great destinations for a day trip from Brussels and are accessible by train in under or around one hour. While travelling in Greece, trains and ferries are the best for exploring comfortably on a budget.

  2. Buses

    Buses are the most convenient transport in Hungary, the Czech Republic, and Austria. While in Germany, flights, buses, and trains make sense depending on the traveller’s budget.

  3. Bikes

    Most people take a bike to travel through individual cities in the Netherlands. Even Portugal and Spain are well-connected by trains and buses. Most tourists can get through different cities most conveniently and cost-effectively.

Weather in Schengen Countries

Europe is beautiful in all the weather, and you can visit it any time of the year. Winters are harsh, but the continent is extra charming during the Christmas holidays. Check out the table below with European weather details during all the seasons:

Travel Months Temperature Season
December - February 14°c to 24°c Summer
March-May 7°c to 10°c Winters
June - August 2°c to 18°c Spring
September - November 7°c to 14°c Autumn

To ensure safety, buy only the best travel insurance for Schengen visa. Getting sick here would undoubtedly cost more than how much a Schengen travel insurance costs, so make sure to invest in a good plan.

Best Time to Visit Schengen Countries

Summers in Europe are delightfully warm, perfect for Indians to explore most Schengen countries. This is the best time to visit France, Germany, Spain, Switzerland, Greece, and Italy.

Autumn is popular as the shoulder season for tourism in Europe. This time of the year is best to visit Belgium, the Netherlands, and Sweden. However, the rains are pretty standard, and the weather can sometimes get cold and wet. Mediterranean Europe, including Italy, Spain, France, Croatia, and Greece, remains busy and expensive during this time.

During the winter, the temperature can drop to -10 degrees in Poland. It can be biting cold, but it is the most mesmerising time of the year for visitors to enjoy the Christmas feels all around. Moreover, the cost of flights and hotels is slightly cheaper during this time of the year.

Spring is also an excellent time to visit Schengen countries. The weather is neither too hot nor too cold, and Europe is at its peak of beauty during spring, making sightseeing perfect.

While travelling to these places, travel health insurance Europe will ensure your safety throughout the trip. Especially if you're planning some adventure sports, purchase an adventure sports cover with your travel insurance for Schengen visa from India.

Things to Do in Schengen Countries

From Amsterdam to Italy, everyone has their bucket list for Europe trips. The Schengen area consists of 27 countries, visiting every country in one go is difficult. Here are some of the best things to do in most popular Schengen countries:

  1. France

    Make sure to visit the Eiffel Tower, the Castle of Chambord, the Palace of Versailles and the Notre Dame Cathedral.

  2. Spain

    It has over 40 UNESCO World Heritage sites. Remember to visit the Guggenheim Museum, the Alhambra and Generalife Gardens, Barcelona's Sagrada Familia, Casa Batllo' and more.

  3. Italy

    Among the oldest European countries, make sure to visit the Colosseum, the Vatican Museum, and the Leaning Tower of Pisa.

  4. Turkey

    Dating back to 660 BCE, Turkey is known for Ephesus, Cappadocia, Pamukkale, etc.

  5. Germany

    The country shares borders with several important nations and has much to offer. Make sure to visit the Neuschwanstein Castle, Aachen Cathedral, Cologne Cathedral, and attend the Oktoberfest.

Whether visiting Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, and other Schengen cities, galore options exist. Simply enjoy the experience and travel carefree with the best travel health insurance Europe.

You May Like to Read: 10 Ways to Save Money on Flight Bookings

Shopping Attractions in Schengen Countries

Europe is one of the best shopping destinations in the world. Different shopping outlets, expensive brand stores, malls, and even second-hand shops exist. Here are some must-visit attractions:

  1. France

    The French capital is every shopper's dream destination. Faubourg Saint-Honor is a must-visit when in Paris. For vintage shopping, make sure you visit the Marais Quarter. From chocolates to various teas and books, there is something for everyone to splurge in.

  2. Italy

    Milan is the best shopping destination in Italy. For all the brands, go to Via Montenapoleone and Corso Venezia. Also, visit Corso Buenos Aires, the longest shopping street with more than 350 stores.

  3. Spain

    Passeig de Gracia is one of the most beautiful shopping streets and is home to many luxurious brands. Plaza Catalunya and Portal de L’Angel have several fashionable stores and traditional food cafes. La Rambla is another famous fashion street and a must-visit for some of the finest shops, food cafes and drinks.

  4. Switzerland

    One of the most expensive shopping destinations in Switzerland is Geneva. For a good shopping experience, head towards Bon Genie-Grieder. Chocolate lovers should definitely visit the Chocolatier Auer.

  5. Germany

    Berlin and Munich are some great cities for festive shopping. The most popular places are Sendlinger Straße, Kaufinger Straße, and Theatinerstraße.

  6. Belgium

    From fashion to traditional products to a wide variety of food, you will find everything at Avenue Louise, Rue Neuve, and Rue Bailli.

Since every Schengen country has something unique to offer, this list has only some of the top shopping destinations.

Pro-tip: Busy streets and old shopping districts often teem with tourists and petty thieves. Stay alert and carry a strong bag. However, the best travel insurance for Europe from India also usually cover baggage/wallet loss, so you can take it as a reliable backup.

Eating Out in Schengen Countries

From Michelin-star restaurants to street foods, a wide variety of food options are available in the Schengen region.

  • Palermo is a Michelin-star restaurant in Italy, and Naples has some of the best Pizzas.
  • Try Girona, Arzak, and Mart'n Berasategui for some of the best Spanish and a variety of cuisines
  • In Prague (Czech Republic), try having lunch at Karlin and experience the best fine dining at La Degustation
  • San Sebastian in Spain is another food paradise. Some popular restaurants are Mugaritz, Akellare, and Martín Berasategui.

Every Schengen country has something distinctive about their cuisine. Though we have highlighted some great options, don't forget to check with the locals for some of the best eating-out joints.

Top Hospitals in Schengen Countries

Medical treatment costs are quite exorbitant, and the currency difference makes it all the more expensive. A Schengen travel insurance policy would cover any unforeseen medical expenses that may arise during the trip. Some of the most advanced hospitals for tourists in the Schengen Zone are as follows:

Hospital Name Country
Landspitali University Hospital Iceland
Centre Hospitalier Universitaire Vaudois Lausanne, Universtäts Spitals Zürich, and Inselspital Universitatsspital Bern, Switzerland
Leiden University Medical Center Netherlands
Universitätsklinikum Hamburg Eppendorf, Asklepios Klinikum Bad Abbach, and Asklepios Klinikum Bad Abbach Germany
Sahlgrenska University Hospital Sweden
Instytut Psychiatrii i Neurologii, Poland
Universitair Ziekenhuis Leuven Belgium
Assistance Publique Hôpitaux de Paris France

Money-Saving Tips in Schengen Countries

Timely and careful planning can help save a lot of money during your Schengen trip. But there are various other ways to save money when travelling to Europe:

  1. Save Money by Rail

    To save on transportation costs, consider travelling by rail. Booking it in advance can save a massive amount of money and even get great discounts and deals.

  2. Buy Train Pass

    You can purchase a Eurail pass that can last three months and is available to locals and tourists.

  3. Book Tickets in Advance

    Buy tickets in advance, as overnight or high-speed trains may not be available due to high demand. You should also track winter and summer timetables for trains and tourist attractions.

  4. Avail Free Wi-Fi Connectivity

    Visitors can access free Wi-Fi everywhere and stay connected without spending a penny.

  5. Avoid Museum Fees

    Those on a budget can visit museums that do not require a fee. There are particular days when museum entry is free of cost. Check the days and plan the visit accordingly to save money.

Europe is considerably costly for many Indians, and you must be mentally prepared. There's a lot to account for from food, stay, travel and health care. Keeping that in mind, make sure to buy Schengen travel insurance from India that provides sufficient coverage.

Don't simply buy travel insurance for Schengen visa only because it is mandatory. Instead, spend some time to find the best possible option among available Europe travel insurance from India.

What does the Schengen Travel Insurance Policy Cover?

The best travel insurance for Schengen visa from India covers several things. Some of the common inclusions are as follows:

  • Loss of checked-in baggage
  • Delay of checked-in baggage
  • Compassionate visit of a family member in case of hospitalisation
  • Coverage for Medical Expenses
  • Facility for emergency medical evacuation
  • Repatriation of mortal remains to India
  • Coverage for medical treatment continues in India
  • Daily hospital allowances
  • Dental treatment in an emergency
  • Flight hijacking
  • Delay of trip, cancellation and curtailment
  • Missed connection of flight
  • Loss of passport
  • Accidental death & permanent/total disability
  • Automatic extension of policy period in case of emergency trip extension
  • Cover for home burglary

While most travel insurance for Schengen Visa provides a minimum coverage of EUR 30,000, the exact benefits vary considerably. Go through their policy wordings and compare different plans before you buy Schengen travel insurance before your trip.

What Does the Schengen Travel Insurance Policy Not Cover?

Schengen travel insurance has many instances for which it will not provide any coverage. Some common exclusions under Schengen tourist insurance are as follows:

  • Pre-existing diseases
  • Admission to the hospital for routine check-ups or diagnosis
  • Medical expenses in case of pregnancy
  • Medical costs in case of infertility and external congenital conditions
  • At the time of purchasing the policy, a congenital anomaly known to the insured
  • Non-allopathic medicines
  • Plastic and cosmetic surgery
  • Any kind of cost incurred in purchasing contact lens, spectacles, hearing aids, and corrective and cosmetic dental surgeries
  • Any expenses incurred in substance abuse, self-inflicted injuries, STDs, and AIDS/HIV
  • Loss or damage caused in war, terrorism, or civil war
  • Loss or damage due to breach of law
  • Loss or damage caused in hazardous sports

Some Schengen travel insurance policies also provide coverage for COVID-19 medical expenses. However, the COVID-19 insurance amount, as well as benefits, vary from insurer to insurer. So, check the documents properly while purchasing the best travel insurance for Schengen visa from India.

How to Choose Schengen Travel Visa Insurance for Europe?

Travelling to Europe is costly, and cutting costs can be difficult. However, having Schengen visa travel insurance for Europe is the first step in reducing unexpected expenses abroad. These can be the loss of a passport, accidentally damaging someone's property, etc. Here are some valuable tips for finding affordable travel insurance for Europe from India:

  • Compare different plans to find the cheapest travel insurance for Schengen visa. This can be best done through, where several Schengen visa insurance by different travel insurers are available, budget wise.
  • Shopping for travel insurance online for Schengen visa will save considerable money and time buying travel insurance for Europe. It can eliminate certain distribution costs.
  • Watch out for sales and discounts on different sites; sometimes, the insurer may also offer discounts on the plan.
  • If you're looking for the cheapest travel insurance for a Schengen visa, opt for the low-cost or basic plan variants. If the basic low-cost plans provide the necessary coverage, you don't need to opt for more expensive ones.
  • Choose any add-ons carefully. For example, if you are not interested in adventure sports, there is no need to buy optional coverage.

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How to Buy Travel Insurance for Schengen Visa from India

Buying trip insurance for your Schengen visa is a short and straightforward process. This can be done in person or online. If you wish to buy it online, you can follow these steps to purchase the online Schengen travel insurance of your choice:

Step 1: Visit and head to the ‘Travel Insurance’ section from the drop-down menu.

Step 2: On the given form, look for the ‘Schengen Countries’ icon on the screen. Select the Schengen destination(s). Click on the 'Continue' button.

Step 3: Select trip duration on the calendar. Click on 'Continue' to proceed.

Step 4: Select the total number of people travelling and the required traveller details (age). Depending on your group size, you can add more people.

Step 5: Declare if you have any pre-existing medical conditions. Select 'No' if you don't have any.

Step 6: Enter your mobile number and click 'View Plans'.

Step 7: Select the plan of your choice and buy it as per the desired payment method.

How Do You Claim Travel Insurance for Schengen Visa?

If unfortunately, you end up in a problematic situation while exploring the Schengen region, then you can raise a claim under your Schengen travel insurance policy. You can do this through Policybazaar Claim Support or by reaching out to your insurer. Here are the steps to raise a travel insurance claim for Schengen visa:

  • Head to
  • Select ‘Travel Insurance’ from the list of products
  • You will be directed to the ‘Request Claim Assistance’ form
  • Select the insurer you have purchased your policy from
  • You will see their respective helpline details, including contact numbers and email

You must inform your insurer within 30 days of your trip. In case of medical emergencies abroad, most travel insurance policies provide a cashless hospitalisation facility. Your insurer will guide you through the process and help you get the necessary treatment.

Documents Required for Schengen Travel Insurance

Buying a policy requires considerable paperwork. Here are some general documents necessary for buying and later raising claims under Schengen travel insurance policies:

Documents Required to Buy Travel Insurance for Schengen Visa

All Indian citizens who wish to travel to the Schengen region must buy travel insurance for Schengen visa. The following documents are necessary:

  • Passport number of travellers
  • ID proof like PAN or other government-issued documents for proposal form

KYC for Europe travel insurance from India is required before purchase, so keep these documents ready before you start filling out the form. You must also have your travel dates and destination for the proposal form.

Documents to Raise Claim under Travel Insurance for Schengen Visa

To raise a claim under your Schengen travel insurance policy, you will need some documents. Here is an exhaustive list of documents that you will be asked to provide depending on your emergency:

  • FIR or police report for criminal cases
  • Identity Proof
  • Copy of your passport with immigration stamps
  • Completed claim forms
  • Copy of your Original Policy
  • Original bills and receipts

You may be asked to provide all of these or more documents depending on your claim.

Schengen Visa Travel Insurance: FAQs

STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms, and conditions, please read the sales brochure carefully before concluding a sale.

Policybazaar Insurance Brokers Private Limited, Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 | CIN: U74999HR2014PTC053454 | Policybazaar is registered as a Composite Broker | Registration No. 742, Valid till 09/06/2024 | License category - Composite Broker | Contact Us | Legal and Admin Policies

* Price shown is for a 30 day trip to Schengen with 50,000 dollar coverage for an adult of age 25 years

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