Schengen travel insurance is a mandatory travel health insurance while visiting Europe's Schengen region. This region-specific plan covers health emergencies abroad like hospitalisation, dental pain, medication repatriation, cashless hospitalisation, etc. It also offers coverage for passport & baggage loss, flight delay, etc. in all 26 Schengen countries.
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Schengen travel insurance policy is the mandatory insurance for any person travelling to Schengen countries. These are 26 countries and require non-European visitors to have a valid visa to enter their region. One has to buy the required travel insurance for Schengen visa. Thus, before applying for a Schengen visa, the traveller has to buy a Schengen travel insurance plan. The policy not only keeps the visitor safe from any financial emergencies but also ensures that required medical coverage is provided to the insured traveller.
Schengen travel insurance policy offers coverage in all the 26 European countries that belong to the Schengen area. These are - Austria, Czech Republic, Belgium, Luxembourg, Denmark, Finland, Estonia, Germany, France, Italy, Greece, Hungary, Latvia, Iceland, Malta, Liechtenstein, Lithuania, Norway, Netherlands, Slovenia, Poland, Spain, Portugal, Slovakia, Switzerland, and, Sweden. Please note that not all European countries are part of the Schengen territories.
Buying travel insurance policy is necessary to process the Schengen Visa application; however, this should be treated as a necessary safeguard while travelling. While visiting an unknown country, tourists may be exposed to certain contingencies that can ruin their budget. From flight delays to baggage loss to trip curtailments, various other risks may arise but can be covered under a Schengen travel insurance plan.
Take a look at the table below to learn more about this plan’s features:
Categories |
Specifications |
Number of European Countries Covered |
26 |
Eligibility |
Usually for Indians aged up to 0.6 to 70 years |
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 |
Schengen visa insurance should meet the following criteria to obtain a valid Schengen visa:
Travel insurance for Schengen visa will vary with the visa type. For example, there are special Schengen travel insurance plans for students as well.
The visa can be issued for a single entry, double-entry or multiple-entry visa depending on the purpose of the visit. Please note that a short stay visa is valid for up to 90 days within a period of 180 days for business or tourist purposes, not more than three months.
A resident of India needs to have travel insurance for Schengen visa from India. They can apply for a Schengen visa in India only (permanent resident country). They need to apply for a visa application and schedule an appointment at the consulate of the Schengen destination country that they are planning to visit.
The list of documents that are required while applying for a Schengen visa would also depend on the type of visa one has applied for. Here are some of the documents that need to be submitted while applying for a Schengen visa::
Schengen visa application needs to be submitted at least 15 days before the trip date. However, it is advised to apply it at least 30 to 60 before the trip. In some cases, the consulate may ask for additional documents.
Depending on the duration of the stay and purpose of visiting, there are different types of Schengen visas available. The general requirements are the same but may require additional documents depending on the visa type.
Schengen Visa Type |
Additional Documents Required |
Airport Transit Visa |
Valid visa for the final country Flight Ticket for the final 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 Acceptance letter from the EU Educational institute Proof of financial means |
Working Visa |
Two application forms Employment contract |
Travelling within Schengen Countries and entire Europe is actually quite convenient and simple. All the countries have a vast network of buses, trains, planes, and even ride shares to choose from. Within the Schengen zone, one can cross borders without going through passport control checks in each country.
The best way to travel in most of the Schengen countries i.e. Belgium, France, Italy, Netherlands, Switzerland, etc. is by train. Cities such as Antwerp, Ghent, and Bruges are great spots for a day trip from Brussels and are accessible by train in under or around one hour. While in Greece trains and ferries are the best.
Within Hungary, the Czech Republic, and Austria, buses are the most convenient mode of transport. While in Germany flights, buses, trains, all make sense depending on the traveller’s budget. Most of the people take up 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 in the most convenient and cost-effective manner.
Europe is beautiful throughout all the weather and can be visited at any time of the year. Check out the below table 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, don’t forget to carry good travel insurance for Europe. Getting sick here would certainly cost more than how much a Schengen travel insurance costs, so make sure to invest in a good plan.
During summers, the weather is delightfully warm and a perfect time for Indians to explore most of the Schengen countries like France, Germany, Spain, Switzerland, Greece, and Italy.
Autumn is popularly known as the shoulder season for tourism in Europe. This time of the year is best to visit Belgium, Netherlands, or Sweden. However, the rains are fairly common and the weather can get cold and wet at times. During this time Mediterranean Europe including Italy, Spain, France, Croatia, and Greece remains quite busy and expensive.
During the winter the temperature can drop down 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 comparatively cheaper during this time of the year.
Spring is also a good time to visit Schengen countries. The weather is neither too hot nor too cold, which makes it perfect for sightseeing as Europe is at its peak of beauty during this season. While travelling to these places, travel insurance for Europe will ensure that the visitors are taken care of.
From Amsterdam to Italy everyone has their favourite destination and the set of things that they want to do.
While the whole Schengen area consists of 26 countries, it is hard to visit every country on the list. Here are some of the most visited countries with the best things to do:
Moreover, there is Buda Castle and Danube River in Hungary, the blue lagoon and Vatnajökull National Park in Iceland. Whether visiting Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, and other Schengen cities there are options galore. Simply enjoy the experience and travel carefree with travel insurance for Europe.
Europe is considered as one of the most famous shopping destinations. There are different shopping outlets, expensive brand stores, malls, and even second-hand shops to splurge in. Here are some must-visit attractions:
The French capital is every shopper's dream destination. Faubourg Saint-Honoré is a must-visit when in Paris. For vintage shopping, the Marais quarter is the place to be. From chocolates to a variety of teas and books there is something for everyone to splurge in.
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.
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 popular fashion street and is a must-visit for some of the finest shops, food cafes and drinks.
One of the most expensive shopping destinations in Switzerland is Geneva. For a good shopping experience, head towards Bon Genie - Grieder. For chocolate lovers, Chocolatier Auer is the place to be.
Berlin and Munich are some great cities for joyful shopping. The most popular places are Sendlinger Straße, Kaufinger Straße, and Theatinerstraße. There are budget-shopping options for students as well.
It is a shopping paradise and is a popular shopping centre in Europe. From fashion to traditional products to a wide variety of food, visitors will find everything at Avenue Louise, Rue Neuve, and Rue Bailli.
Well, the list can go on. Since every Schengen country has something unique to offer, this list has some of the top shopping destinations during a short stay.
There are myriad of eating out options in entire Europe and the Schengen zone is no exception. From Michelin star restaurants to street foods, there are a wide variety of food options that can offer the most delightful experience.
There is something special about every Schengen country. Though we have highlighted some of the top-rated eating-out places, feel free to check with the locals for some of the best eating-out joints.
The cost of medical treatment is 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 |
Note: Do check with the insurer if these hospitals are covered under the Schengen travel insurance policy.
A Schengen travel insurance policy can save a lot of money in case of a medical emergency, third-party damage or any accident or loss of belongings. But there are various other ways to save money when travelling to Europe:
Schengen travel insurance provides cover for several things. They are as follows:
Schengen travel insurance does not cover several things. They are as follows:
Some Schengen travel insurance policies do provide cover for covid-19 medical expenses. However, the covid-19 insurance amount, as well as benefits, vary from insurer to insurer. So, while purchasing a Schengen insurance plan, check the insurance policy documents properly.
All non-Schengen citizens need to apply for a Schengen visa to enter any Schengen region. Following is the list of nations whose nationals must have a valid Schengen visa:
Afghanistan |
Gabon |
Oman |
Algeria |
Gambia |
Pakistan |
Angola |
Ghana |
Papua New Guinea |
Armenia |
Guinea |
Palestinian Authority |
Azerbaijan |
Guinea-Bissau |
Philippines |
Bahrain |
Guyana |
Qatar |
Bangladesh |
Haiti |
Russia |
Belarus |
India |
Rwanda |
Belize |
Indonesia |
Sao Tome And Principe |
Benin |
Iran |
Saudi Arabia |
Bhutan |
Iraq |
Senegal |
Bolivia |
Jamaica |
Sierra Leone |
Botswana |
Jordan |
Somalia |
Burkina Faso |
Kazakhstan |
South Africa |
Burma/Myanmar |
Kenya |
South Sudan |
Burundi |
Kosovo |
Sri Lanka |
Cambodia |
Kuwait |
Sudan |
Cameroon |
Kyrgyzstan |
Suriname |
Cape Verde |
Laos |
Swaziland |
Central African Republic |
Lebanon |
Syria |
Chad |
Lesotho |
Tajikistan |
China |
Liberia |
Tanzania |
Comoros |
Libya |
Thailand |
Congo |
Madagascar |
Timor-Leste |
Cote D’ivoire |
Malawi |
Togo |
Cuba |
Maldives |
Tonga |
Dem. Rep. Of Congo |
Mali |
Tunisia |
Djibouti |
Mauritania |
Turkey |
Dominican Republic |
Mongolia |
Turkmenistan |
Ecuador |
Morocco |
Uganda |
Egypt |
Mozambique |
Uzbekistan |
Equatorial Guinea |
Namibia |
Vietnam |
Eritrea |
Nepal |
Yemen |
Ethiopia |
Niger |
Zambia |
Fiji |
Nigeria |
Zimbabwe |
North Korea |
Northern Mariana’s |
Travelling to Europe is a costly affair and cutting costs can be difficult. However, having travel visa insurance for Europe is the first step in reducing any additional expenses that may arise out of medical emergencies or problems faced abroad. These can be theft, loss of passport, accidentally damaging someone’s property and more. Here are some useful tips to find cheap travel visa insurance for Europe:
To visit any of the 26 Schengen countries, a valid Schengen visa along with Schengen travel insurance is required. Depending on the purpose of visit - be it tourism, business or medical treatment every traveller needs to have a Schengen visa that grants permission to travel within these countries. However, the visa should be obtained before travelling, as it cannot be granted on arrival at the airport.
Similarly, due to the ongoing pandemic, there may be several entry restrictions such as mandatory RT PCR test for COVID-19, testing upon arrival, quarantine requirements and such. It is important to stay updated with the latest developments and plan the European trip accordingly.
Ans: Yes, even if you are travelling for business purposes you can get coverage under the Schengen travel insurance policy. However, if you are a frequent traveller you can opt for a multi-trip Schengen travel insurance plan. In all circumstances, it is mandatory to have travel insurance for a Schengen visa.
Ans: Depending on the duration and benefits you want; Schengen travel insurance cost may vary. It is best to confirm these with the insurer.
Ans: A Schengen travel insurance plan would not cover claims arising due to the following reasons:
Ans: Yes, if you have been issued a Schengen visa you are eligible to travel anywhere within the Schengen area for the stipulated time period.
Ans: If you have been issued a single-entry Schengen visa allows you to enter the Schengen area only once and is valid for a particular period of time. As soon as you exit the Schengen Area, the visa expires. A multiple-entry visa allows you to travel in and out of the Schengen area until the visa expires.
Ans: A Schengen visa processing would take approximately 10 to 15 working days under regular circumstances. A Schengen travel insurance policy is mandatory for your process to be completed.