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What is Schengen Travel Insurance?

Schengen visa medical insurance is an area-specific plan for European countries that comprise the Schengen Zone.

Travel insurance for a 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 a Schengen visa.

Travelling to Schengen Countries

Visitors from India also need to buy travel insurance policy for a 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 keeps you safe from financial emergencies and ensures required medical coverage in Europe.

Things to Know About Schengen Travel Insurance

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

Categories Specifications
Number of European Countries Covered 26
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 Overseas Travel Insurance Mandatory for Visa 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 Schengen Travel Insurance from India?

The best travel insurance for Europe tripoffers coverage in all 26 European countries that belong to 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 26 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 it 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 best travel insurance for europe trip

as an essential step and 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 will protect you from such risks. From flight delays to baggage loss to trip curtailments, many risks may arise, but your travel health insurance eEuropewill cover them.

Entry Essentials to Schengen Countries

You need a Schengen visa and travel insurance (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. Some Schengen countries may have additional entry requirements, so check their official websites for urgent updates.

What are the Requirements of Schengen Visa Insurance?

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:

  • Coverage of EUR 30,000: Your travel insurance Europe from India should have a minimum coverage of 30,000 Euros.
  • Extent of Coverage: It should cover any unforeseen medical emergencies, including medical illness, accidental injury and medical repatriation of remains.
  • Schengen Visa Insurance Validity: Your travel health insurance Europe should be valid in all 26 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.

Schengen Visa: Procedure and Documents Required

Depending on the purpose of the visit, visas for Schengen countries allow single-entry, double-entry or 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 for 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.

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

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

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:

  • Schengen Visa Type A
  • Schengen Visa Type B
  • Schengen Visa Type C
  • 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.

  • 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 to explore comfortably on a budget.
  • 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.
  • 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 throughout 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 Europe trips. 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 common, 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. Europe is at its peak of beauty during spring, so it is perfect for sightseeing. 

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 Schengen travel insurance policy.

Things to Do in Schengen Countries

From Amsterdam to Italy, everyone has their bucket list for Europe trips. The Schengen area consists of 26 countries, visiting every country in one go is difficult. Here are some of the best things to do in most popular Schengen countries:

  • France: Make sure to visit the Eiffel Tower, the Castle of Chambord, the Palace of Versailles and the Notre Dame Cathedral.
  • 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.
  • Italy: Among the oldest European countries, make sure to visit the Colosseum, the Vatican Museum, and the Leaning Tower of Pisa.
  • Turkey: Dating back to 660 BCE, Turkey is known for Ephesus, Cappadocia, Pamukkale, etc.
  • 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:

  • 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.

  • Italy

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

  • 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.

  • Switzerland

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

  • Germany

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

  • 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 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:

  • 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. 
  • Buy Train Pass: You can purchase a Eurail pass that can last three months and is available to locals and tourists.
  • Book Tickets in Advance: Buy tickets in advance as overnight or high-speed trains may not be available because of high demand. You should also track winter and summer timetables for trains and tourist attractions.
  • Avail Free Wi-Fi Connectivity: Visitors can access free Wi-Fi everywhere and stay connected without spending a penny.
  • 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 need to be mentally prepared for that. There's a lot to account for from food, stay, travel and health care. Keeping that in mind, make sure to buy a good 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.

What does the Schengen Travel Insurance Policy Cover?

Schengen visa insurance provides cover for several things. They 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 Schengen travel insurance plans before buying one for your trip.

What Does the Schengen Travel Insurance Policy Not Cover?

Schengen travel insurance has many instances that it will not provide any coverage for. 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 travel insurance for Schengen visa.

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:

  • Compare different travel insurance plans in India to find the lowest prices. This can be best done through, where several Schengen visa insurance by different travel insurers are available, budget wise.
  • Shopping online 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.
  • Opt for the low-cost plan variants when buying travel insurance for Schengen visa. 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.

Schengen Visa Travel Insurance: FAQs

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*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

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