Schengen Travel Insurance for Indians Buy Online at Best Price

No you cannot get a visa without travel insurance. All 29 Schengen countries require proof of insurance before they will issue a visa.

No Cheap Schengen travel insurance will not get your visa rejected if it meets the requirements. The requirements are that the insurance must cover least €30,000 it must cover all Schengen countries and it must be valid for the entire duration of your trip. The price of the insurance does not matter what matters is that it meets these requirements.

All the insurance companies on our platform are approved by the embassies. You can choose Best travel insurance for Europe from India based on the insurance company, price of the insurance the company’s claim settlement record and the extra coverage options they offer. Some insurance companies offer coverage for pre-existing conditions and adventure sports. The top rated insurance companies are Tata AIG, IndusInd, Bajaj General and more.

Technically yes you can buy insurance after getting a visa. However, this is not recommended. The embassies may verify your insurance at the border entry so it is better to buy insurance before you apply for a visa.

The cost of Schengen insurance for Indians is between ₹716 and ₹2,500 for 30 days depending on your age. If you are between 18 and 50 years old the cost will be lower. If you are above 60 years old the cost will be higher between ₹2,500 and ₹5,500 for 30 days.

The minimum required coverage is €30,000. However, we recommend that you buy insurance that covers €50,000. This is because medical costs in Europe are very high and €50,000 will give you peace of mind. The extra cost is ₹150-300, which is not a lot.

Yes, most Schengen insurance plans now include COVID-19 coverage. This includes coverage for emergency treatment, hospitalization and quarantine accommodation. However, you should check the policy details before you buy to make sure that COVID-19 is covered.

It depends on the reason for cancelling your trip. If you need to cancel your trip due to illness, death in the family or visa rejection you will be covered. However, if you need to cancel your trip because you have changed your plans or found flights you will not be covered. Trip cancellation coverage is usually an add-on or part of the policy.

Yes, you can buy insurance for someone. You can buy insurance for your family members or friends. You will need to provide their passport details, travel dates and age.

The minimum is €30,000 (approx ₹27 lakhs) medical coverage, valid for all 29 Schengen countries and your entire trip duration. India's IRDAI-licensed insurers like Care start from ₹716 for 30 days.

Bajaj General (from ₹716) is the most affordable. Tata AIG Silver (₹1,305) offers €50,000 coverage. Care Insurance is best for senior citizens (70+) as it covers up to age 85 with no medicals required.

You should buy Schengen travel insurance least 2-3 days before your visa appointment. This will give you time to make any modifications to your policy and it will also give the embassy time to process your visa without any stress.

Yes, most insurance companies allow you to modify your dates for free before your trip starts. You can contact us or the insurance company directly to make any changes.

Yes, if your visa is denied, you will get a refund of the premium amount after deducting the cancellation charges of Rs.250/- to Rs.300/-. You have to submit visa rejection letter as proof for cancellation of the policy.

Yes, you can get insurance even if you have pre-existing conditions like diabetes or high blood pressure. Many insurance plans now cover pre-existing conditions but you may need to pay a higher premium. For example, Bajaj General covers up to $3,000 for life-threatening situations while Tata AIG covers up to $20,000 depending on the plan. Care insurance up to 10% of sum insured and maximum $30,000.

No you do not need insurance for each Schengen trip. If you are traveling multiple times you can buy an annual multi-trip plan that covers all your trips for a year. Each trip duration can be up to 30 or 45 or 60 or 90 days. It is usually cheaper than buying separate insurance for each trip.

If you have an emergency, you should call the insurers 24/7 helpline and get cashless treatment at a network hospital. Alternatively, you can pay upfront and claim reimbursement later. If you lose your baggage or experience a flight delay you should get a report from the airline or the police immediately. File a claim within 30 days after returning. The required assistance numbers are printed in the policy copy.

No you are not covered for skiing or other adventure sports in an insurance plan. You need to buy an "adventure sports add-on" to cover activities like skiing, snowboarding, trekking, scuba diving and paragliding. This add-on usually costs a ₹300-800.

Yes, senior citizens can get Schengen insurance. However, the premiums are usually higher. Not required to submit any medical reports and no paper work required. The coverage options may also be limited.

You can visit any hospital or clinic. Contact your insurers emergency helpline. You can pay upfront if required and claim reimbursement later. You can use cashless treatment at a network hospital depending on your policy.

If doctors declare that you need evacuation the insurer will arrange and pay for your transport to the nearest suitable hospital or back to India up to the policy limit.

Yes, most travel insurance plans cover cruises if the trip starts and ends within your policy dates. However, you should ensure that cruise coverage and emergency evacuation at sea are included in your policy.

Europe is today the largest tourist destination across all countries/continents in the world. According to UNWTO report, in 2018, 51% of the world’s travellers (around 627 million travellers, 62.7 crores) arrived in Europe and the visitors grew at a higher rate than overall global travel itself. There is clearly so much to see and experience across Europe and the Schengen visa has made it very convenient for traveller to criss-cross the continent without too many visa issues. The Schengen visa allows travellers to visit any of the 29 member countries without requiring a specific visa for each country and so the traveller needs to just apply for single Schengen visa and inform the authorities about the countries they are likely to visit. The Schengen visa applies to all but 5 countries within Europe and firstly, it is mandatory for the traveller to have an insurance cover while applying for the visa. Secondly the minimum sum insured coverage for Accident & Sickness (A&S) needs to be €30,000. Without these conditions being met, no visa is granted for entry to any of the Schengen countries. It is equally important to note that the cost of healthcare is relatively high when compared to India and hence the traveller is advised to opt for a (A&S) coverage of atleast $250,000, but ideally $500,000 (₹INR 3.5 crores) under the plan they choose to buy. You can compare and buy the plan most suited to the traveller’s requirements. Post choosing the plan, simply pay with your credit/debit card/internet baking and the policy schedule will reach the traveller’ email id in a couple of minutes.

Enter your trip dates and age above, compare plans, pay online via UPI/card, and receive your policy PDF by email in under 2 minutes.