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Travel Insurance for Schengen VISA from India

The Schengen Visa, pivotal for seamless travel across 26 European countries, demands careful preparation, including the essential element of travel insurance. This visa encompasses nations like France, Germany, Italy, and Spain, allowing travellers to move freely within this territory. When applying from India, obtaining Schengen Visa insurance becomes imperative. Travel insurance for Schengen Visa from India must meet specific requirements. It should cover medical emergencies, repatriation, and other unforeseen circumstances up to €30,000 or more. The insurance also needs to be valid throughout the Schengen Area and for the entire duration of your stay.

Numerous insurance providers offer tailored packages meeting these criteria, facilitating a hassle-free application process. While purchasing, ensure the policy explicitly mentions "Schengen Visa insurance" to avoid complications during the visa application. It's prudent to compare different plans, considering coverage, premium, and additional benefits. Securing adequate travel insurance for Schengen Visa from India is not just a formality but a crucial aspect in ensuring a smooth and safe European excursion. Thus, selecting the right international travel insurance plan is pivotal for a stress-free travel experience.

Why Do You Need Schengen Travel Insurance?

Schengen travel insurance safeguards against unforeseen incidents, vital for hassle-free travel in Europe. Schengen Travel Insurance is indispensable for various reasons specific to the Schengen Visa, here are some:

• Travel Disruption Coverage: It safeguards against trip cancellations or interruptions due to unforeseen events like natural disasters or sudden illness before departure.

• Legal Protection: In the unfortunate event of accidents causing harm to others or property damage, Schengen travel insurance covers legal expenses and liabilities, averting financial strains.

• Peace of Mind: Having comprehensive Schengen Visa insurance ensures a worry-free exploration of the Schengen Area, allowing travellers to focus on their itinerary rather than potential financial burdens in emergencies.

• Emergency Assistance Abroad: It provides 24/7 support and assistance during unforeseen events such as loss of passport, flight cancellations, or emergency medical evacuations.

• Mandatory Requirement: Schengen Visa authorities necessitate adequate travel insurance for Schengen Visa from India or any other non-Schengen country. It's a prerequisite for visa approval.

• Visa Application Compliance: Without valid Schengen Visa insurance meeting specific criteria, your visa application might be rejected, causing delays and additional expenses in reapplication.

• Healthcare Coverage: Schengen travel insurance ensures coverage for medical emergencies up to €30,000 or more, including hospitalization, medicines, and repatriation in case of severe illness or accidents.

Benefits of Schengen Travel Insurance

Schengen travel insurance offers peace of mind and essential coverage for seamless exploration within Europe's Schengen Area. Here are some to look out for:

Comprehensive Medical Coverage

It provides extensive coverage for medical emergencies, ensuring peace of mind during your travels through the Schengen countries.

Financial Safeguard

Protects against unexpected expenses due to medical emergencies, flight cancellations, or lost baggage, reducing financial burdens while abroad.

24/7 Assistance

Offers 24/7 assistance for various crises, including medical evacuations, ensuring immediate support during unforeseen situations.

Requirement fulfilment

It is mandatory for Schengen Visa applications, ensuring compliance and increasing the chances of successful visa approval.

Repatriation Assistance

Offers support for emergency repatriation in case of severe illness, injury, or unfortunate incidents, ensuring a safe return to the home country.

Trip Cancellation Protection

Covers expenses in case of trip cancellations or interruptions due to unforeseen circumstances, allowing for rescheduled travel without added financial strain.

Family Coverage Options

Many policies include options to cover family members travelling together, providing comprehensive protection for the entire group.

Multi-Country Access

One policy covers travel across multiple Schengen countries, eliminating the need for separate insurance for each country visited within the Schengen Zone.

Value for money

Despite varying coverage levels, Schengen travel insurance offers excellent value for the coverage provided, making it a worthwhile investment for travellers.

Which are the Schengen Countries?

The Schengen Agreement, signed in 1985, created a borderless zone within Europe, comprising 26 countries to facilitate unrestricted movement. These Schengen countries include 22 European Union (EU) member states and four non-EU nations.

These countries collectively form the Schengen Area, offering travellers the opportunity to explore diverse cultures, landscapes, and histories without internal border checks, requiring a single travel insurance for Schengen Visa to access this enthralling zone.

Did you know?

It is mandatory to have a valid travel health insurance policy to enter any of the schengen area countries., who is eligible to travel across schengen visa permitted states.

All Indian citizens as well as citizens of other countries that are currently legally residing in India can apply for a Schengen VISA in India. Other Indian citizens currently residing elsewhere may only apply for a Schengen VISA in India if they are legally present there and provide a justification for doing so while in India rather than in their current country of residence.

Travel insurance for Schengen VISA requirements

Schengen Visa applications mandate specific travel insurance for Schengen Visa as a critical component. To meet these stringent requirements, the insurance must fulfil certain criteria:

Validity Period

The insurance coverage must be valid for the entire duration of the intended stay within the Schengen Area and should cover any potential extension periods.

Coverage Amount

The policy should provide coverage of at least €30,000 or its equivalent in Indian Rupees for medical emergencies, including repatriation for medical reasons and urgent medical attention.

Territorial Coverage

It's crucial that the insurance coverage extends to all the Schengen countries, ensuring comprehensive protection across the entire zone.

Insurance Provider Credibility

Opting for insurance from reputable and recognized providers ensures that the policy meets all necessary Schengen Visa insurance prerequisites, reducing the risk of rejection due to inadequate coverage or policy discrepancies.

Comprehensive Coverage

The insurance should encompass various potential risks, such as medical emergencies, accidents, repatriation, and liabilities, providing a comprehensive safety net during the travel period.

What is Travel Insurance for Schengen VISA?

Travel Insurance for Schengen Visa is a specialized insurance policy designed to meet the specific requirements set forth by the Schengen Zone for individuals applying for a Schengen Visa. This insurance serves as a crucial prerequisite for the visa application process. It offers comprehensive coverage, typically including medical emergencies, repatriation, and liabilities, ensuring travellers are protected throughout their stay within the Schengen Area.

Key components of this insurance encompass a minimum coverage amount of €30,000 or more, no deductibles, and validity spanning the entire duration of the intended stay. This coverage extends across all 26 Schengen countries, providing a safety net against unforeseen circumstances like accidents or sudden illnesses while travelling. Travellers from countries like India intending to explore the Schengen region must procure this insurance to fulfil visa requirements and ensure financial security and peace of mind during their European journey.

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Get quick quotes on your favourite plan in just a few clicks, types of schengen visas.

The Schengen Area offers various types of visas catering to diverse travel purposes, each designed to meet specific needs:

Understanding these distinct Schengen Visa types is crucial, as each serves a specific purpose and duration of stay within the Schengen Area, offering flexibility for various travel needs and durations.

Documents Required for a Schengen Visa

Here are the required documents for a short-term Schengen visa application:

General Requirements:

• Visa Application Form: Completely filled and signed.

• Recent Photos: Two recent photos meet specific requirements.

Passport and Travel Information:

• Round Trip Itinerary: Details of entry and exit flights or reservations, indicating travel dates within Schengen.

• Valid Passport: Not older than 10 years, valid for at least 3 months beyond the intended departure from Schengen.

Financial and Insurance Documents:

• Proof of Accommodation: Booking details or invitation confirming where you'll stay in Schengen.

• Travel Health Insurance: Covering €30,000 for medical emergencies, available from providers like Europ Assistance.

• Paid Visa Fee: €80 for adults, €45 for children aged 6 to 12.

• Financial Means Proof: Options include bank statements, sponsorship letters, or a combination thereof.

Employment and Specific Situations:

• For Self-Employed: Business license, company bank statements, and income tax returns.

• For Employees: Employment contract, bank statements, leave permission, and income tax-related documents.

• For Students: Enrollment proof and a no-objection letter from the school/university.

• For Minors: Birth certificate, signed application by both parents, family court order (if applicable), ID/passport copies of both parents and parental authorization for minors travelling alone, duly notarized.

• For Unemployed Married to EU Citizens: Confirmation of employment from the spouse, marriage certificate, and spouse's passport.

• For Retirees: Pension statements for the last 6 months.

Ensuring all necessary documents are in order according to your specific situation greatly enhances the chances of a successful Schengen visa application.

What Is the Schengen Visa Procedure?

The Schengen Visa application process follows a structured procedure aimed at ensuring seamless travel within the Schengen Area:

• Identify the appropriate visa type based on the purpose and duration of the visit (tourism, business, family visit, etc.).

• Choose the Schengen country's embassy or consulate where the application will be lodged. This is usually the primary destination or the country of the longest stay.

• Compile all necessary documents such as completed application form, passport, photos, travel itinerary, health insurance, financial proofs, and specific documents based on employment, student status, or other situations.

• Schedule an appointment with the selected embassy/consulate for visa submission. Some locations might require prior appointment bookings.

• Attend the appointment or submit the application in person, providing biometric data (if required) and paying the visa fee.

• Allow the embassy/consulate time to process the application. Processing times vary but can take up to 15 calendar days.

• Receive the decision on the visa application. It can be approved, or denied, or additional documentation may be requested.

• Upon approval, collect the passport with the issued visa from the embassy/consulate or through a designated courier service.

• With the obtained visa, travel freely within the Schengen countries, ensuring to adhere to the visa's conditions regarding duration of stay, purpose, and other stipulations.

This systematic process ensures compliance with Schengen regulations and facilitates a hassle-free experience for travellers exploring the diverse and captivating Schengen Zone.

What Does The Schengen Travel Insurance Policy From Cover?

Here are the coverage offered by HDFC Ergo for their Schengen Travel Insurance Policy:

• Medical Coverage
• Journey-Related Coverage
• Baggage-Related Coverage

Trip Cancellation

Reimburses non-refundable expenses for accommodation, activities, and unexpected trip curtailment.

Flight-related Reimbursements

Covers missed connections, hijack distress, flight delays, cancellations, and trip curtailment.

Emergency Medical Expenses

Covers hospitalization, OPD treatment, ambulance costs, and medical evacuations.

Dental Expenses

Includes dental care during travel, subject to policy terms.

Personal Accident Coverage

Provides financial assistance to the insured's family in case of accidental death or permanent disability.

Emergency Cash Assistance

Facilitates fund transfers from India due to theft or robbery while travelling.

Baggage and Content Coverage

Reimburses for stolen or delayed baggage, ensuring your trip continues smoothly.

Personal Liability

Assists in compensating third-party damages while abroad.

Hospital Cash and Loss of Documents

Pays a daily allowance for hospital stays and covers expenses for lost documents like passports or driving licenses.

Common Carrier Accidents

Provides lump sum payouts for accidental death or disability while using common carriers.

Flight Delay & Cancellation

Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.

Trip Delay & Cancellation

In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.

Loss of Passport & International driving license

Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.

Trip Curtailment

Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.

If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.

Emergency Hotel Accommodation for Insured Person

Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions

Missed Flight Connection

Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.

Hijack Distress Allowance

Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.

Emergency Cash Assistance Service

When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.

Loss Of Checked-In Baggage

Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.

Delay of Checked-In Baggage

Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.

Theft of baggage and its contents

Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.

What Does The Schengen Travel Insurance Policy Not Cover?

The following are the factors not covered under the Schengen Travel Insurance Policy:

Breach of Law or War

Health issues or sickness resulting from involvement in war activities or illegal actions leading to legal breaches are not covered by the insurance plan.

Intoxicant Substance Consumption

Any claims arising from the consumption of intoxicants or banned substances are not entertained under the policy.

Pre-Existing Diseases

Treatment costs related to illnesses existing before the insured travel period are not covered, including medical care for pre-existing conditions.

Cosmetic and Obesity Treatments

Any expenses incurred for cosmetic or obesity-related treatments during the insured travel are not covered by the policy.

Self-Inflicted Injuries

Hospitalization or medical costs resulting from self-inflicted injuries are not included in the insurance coverage.

Adventure Sports Incidents

Injuries or medical expenses resulting from participation in extreme or adventure sports are not covered.

Non-Medical Evacuation

Costs associated with non-medical evacuation from war zones or conflict areas are not part of the coverage.

High-Risk Activities

Incidents occurring during high-risk activities, such as skydiving or mountaineering, are excluded from the policy coverage.

Non-Compliant Medical Care

Expenses from seeking medical care not compliant with the policy terms and conditions are not reimbursed.

It's crucial to thoroughly review the policy documents to understand the exclusions to avoid any misunderstandings or unexpected expenses during travels within the Schengen Area under the Schengen travel insurance plan from India or any other non-Schengen country.

Why HDFC Ergo?

Here are a few reasons why you should choose HDFC Ergo for your Schengen Travel Insurance:

• 24/7 Support: We prioritize your peace of mind with round-the-clock customer care and dedicated claims approval, offering unwavering support during challenging times.

• Millions Secured: At HDFC ERGO, we've safeguarded over 1 Crore smiles, redefining relationships by consistently delivering reliable and affordable insurance solutions.

• No Health Check-ups: Enjoy hassle-free HDFC ERGO Travel Insurance without the need for any health examinations before obtaining your policy.

• Paperless Convenience: Embracing a digital world, we offer an online policy issuance process with minimal documentation, ensuring your policy lands directly in your inbox.

At HDFC ERGO, we strive to redefine the insurance experience, providing accessible, dependable, and flexible travel insurance solutions tailored for various travel needs, including those seeking Schengen visa insurance from India.

International Travel Insurance for Most Visited Countries

Take your pick from the options below, so you can be better prepared for your trip to a foreign country

Travel Insurance for

List Of Countries Where Travel Insurance Is Mandatory

Schengen countries.

• the Netherlands
• Switzerland
• Liechtenstein and Luxembourg

Other countries

Source : VisaGuide.World

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Frequently asked questions, 1. how long should the schengen travel insurance be valid for.

It should cover the entire duration of your intended stay within the Schengen Area, including any extensions if planned, as mentioned in your visa application.

2. Does Schengen Travel Insurance cover pre-existing medical conditions?

Typically, no. Most policies do not cover expenses related to pre-existing medical conditions unless explicitly mentioned otherwise in the policy terms.

3. Can I purchase Schengen Travel Insurance from India?

Absolutely, various insurance providers in India offer Schengen Travel Insurance policies that meet the requirements for obtaining a Schengen visa.

4. What is the minimum coverage required for Schengen Travel Insurance?

The policy must have a minimum coverage of €30,000 or its equivalent in Indian Rupees for medical emergencies, as mandated by Schengen visa requirements.

5. Do I need Schengen Travel Insurance if I have other travel insurance?

It's essential to have specific Schengen Travel Insurance that meets the visa requirements, even if you have other travel insurance. Ensure the policy explicitly mentions coverage for the Schengen Area.

6. Can I buy Schengen Travel Insurance after arriving in a Schengen country?

It's recommended to purchase the insurance before your trip begins. However, some providers might offer options to buy or extend coverage after arrival, but it's advisable to do it beforehand.

7. Does Schengen Travel Insurance cover adventure sports and high-risk activities?

Usually, standard policies might exclude coverage for high-risk activities. If planning such activities, it's wise to check and opt for additional coverage if needed.

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Secure your overseas trip with Travel Medical Insurance

Get your Travel Medical Insurance with COVID-19 coverage from reputed global insurers for travel in the new normal.

Travelling from*

• South Korea
• Afghanistan
• Aland Islands
• Antigua Barbuda
• Ascension and Tristan da Cunha
• Bosnia & Herzegovina
• Burkina Faso
• Cape Verde Islands
• Cayman Islands
• Central African Republic
• Christmas Islands
• Cocos Islands
• The Democratic Republic of the Congo
• Czech Republic
• Dominican Republic
• El Salvador
• Equatorial Guinea
• French Polynesia
• Guinea Bissau
• British Indian Ocean Territory
• British Virgin Islands
• Caribbran Netherlands
• Ivory Coast
• Faroe Islands
• French Guiana
• Liechtenstein
• Marshall Islands
• Saint Barthelemy
• Saint Kitts Nevis
• Saint Martin
• Saint Pierre and Miquelon
• Hong Kong SAR
• Isle of Man
• Korea, Republic of
• Myanmar (Burma)
• The Netherlands
• New Caledonia
• New Zealand
• Norfolk Islands
• Northern Mariana Islands
• North Macedonia
• Palestinian Territories
• Papua New Guinea
• Philippines
• Puerto Rico
• Saint Helena
• Saint Lucia
• Saint Vincent Grenadines
• Sao Tome & Principe
• Saudi Arabia
• Sierra Leone
• Sint Marteen
• Solomon Island
• South Africa
• South Sudan
• Sudan, Republic of
• Svalbard and Jan Mayen
• Switzerland
• Taiwan, China
• The Holy See
• Timor Leste
• Trinidad & Tobago
• Turkmenistan
• Turks Caicos Islands
• United Arab Emirates
• United Kingdom
• United States of America
• Vatican City
• Virgin Islands of the United States
• Western Sahara
• Vietnam (Online eVisa)
• Lesotho Permits
• Korea, Democratic People's Republic of
• Ghana Permits
• Lithuania Temporary Residence Permit
• Lithuania (E-Resident card)
• Lithuania TRP and National Visa
• Falkland Islands
• Finland Residence Permit
• Faroe Iceland
• Thailand (Online eVisa)
• American Samoa
• Pitcairn Island
• Wallis and Futuna Islands
• Bouvet Island
• Akrotiri and Dhekelia
• Baker Island
• Clipperton Island
• South Georgia and the South Sandwich Islands

Travelling to*

• Schengen countries

By clicking 'Get Now,' I agree to the terms and conditions & understand that my personal data may be shared with VFS Global insurance partners.

Going on a trip abroad is exciting, but emergencies can happen, and if they do, it can be expensive and challenging affair. You can take some of your stress away by booking a travel medical insurance policy with Covid-19 coverage at competitive pricing from global insurers. Don't forget that for Schengen visa applications, travel insurance is mandatory.

Travel Medical Insurance

Emergency medical coverage, including COVID-19 treatment costs.

Competitive pricing from global insurers.

Global medical insurance coverage for evacuation and accidents.

Cancellation and trip delay coverage.

Protection for loss of passport and travel documents.

Frequently asked questions

View all FAQ's

1 . What is Travel Medical Insurance?

Travel Medical Insurance is designed to cover your emergency medical expenses while traveling abroad. In the event of an unexpected illness, injury, or medical condition during your trip, your travel medical insurance plan will reimburse you for the treatment costs, up to the limits specified in the plan.

2. Why do I need Travel Medical Insurance?

Travel Medical Insurance provides coverage for various risks that may arise during your overseas travel, including medical emergencies, COVID-19, and loss of passport. The coverage offered ensures an additional layer of protection against potential financial losses. For more detailed information on the coverage, please refer to the Travel Medical Insurance policy documents.

3. Why should you buy Travel Medical Insurance online?

Purchasing overseas travel insurance online is a convenient way to access a wide range of best plans at competitive prices from global insurers. This allows you to choose a suitable plan without incurring any extra commissions.

4. How much will overseas Travel Insurance cost?

The cost will depend on the kind of overseas Travel Medical Insurance policy you opt for, and it will vary from country to country. Multiple underlying health conditions will determine the final insurance premium you will have to pay.

5. How far in advance should I purchase Travel Medical Insurance?

It's best to purchase travel insurance within the first 14 days of your initial trip.

With Travel Medical Insurance assistance provided by VFS Global, you can book your insurance and submit your visa application together.

Even if you missed purchasing the insurance plan before or during the visa application process, you can still buy Travel Medical Insurance by visiting our website.

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Secure Schengen Travels with HDFC ERGO Travel Insurance

Traveling to the Schengen Zone is exciting because you get to see beautiful scenery and a variety of cultural traditions. HDFC ERGO provides extensive travel insurance designed especially for the Schengen area to guarantee a seamless and safe travel experience.

• 1 What is a Schengen visa?
• 2.1 What are the documents required for a Schengen visa?
• 3 Choosing the Right Travel Insurance Partner
• 4.1 Schengen Zone Compliance:
• 4.2 Medical Coverage:
• 4.3 Trip cancellation and interruption:
• 4.4 Loss of Baggage and Personal Belongings
• 4.5 Emergency Evacuation and Repatriation
• 4.6 24/7 Assistance
• 4.7 Coverage for Adventure Activities
• 4.8 Legal Assistance
• 4.9 Emergency Cash Advance
• 4.10 Policy Renewal and Extension:
• 4.11 Transparent Claim Process:
• 4.12 Multi-Trip Plans:
• 4.13 Customizable Coverage:
• 4.14 Stay informed with alerts:
• 4.15 Accessing Emergency Assistance Abroad:
• 4.16 Lost Passport Assistance:
• 4.17 Coverage for Personal Liability:
• 4.18 Crisis Response and Evacuation:
• 4.19 Notification of Home Country:
• 5.1 Review Policy Documents Thoroughly:
• 5.2 Emergency Contacts:
• 5.3 Keep a copy of the policy documents:
• 5.4 Stay informed about local healthcare facilities:
• 5.5 Register with the Embassy or Consulate:
• 5.6 Your Journey, Your Safety:
• 6 How do I obtain HDFC ERGO Schengen Travel Insurance?
• 7 Frequently Asked Questions (FAQs):

What is a Schengen visa?

A Schengen Visa is a travel document that allows you to visit any (or all) of the 27 European countries in the Schengen Area. This includes popular destinations like France, Italy, and Germany.

Which area is known as the Schengen Region? What are the countries included in the Schengen Visa?

The Schengen Area comprises 27 European countries that have abolished passport control at their mutual borders, allowing for seamless travel. Here is the list of the 27 Schengen countries:

What are the documents required for a Schengen visa?

Applying for a Schengen visa requires careful attention to detail. Start by gathering the necessary paperwork, such as:

• Passport with a validity of at least three months beyond your intended stay.
• completed visa application form.
• Passport-sized photographs.
• Travel itinerary.
• Proof of accommodation.
• Proof of financial means.
• Most importantly, good insurance

Choosing the Right Travel Insurance Partner

Traveling to one of the Schengen nations is a gratifying experience. In addition to helping you fulfill the criteria for your visa, HDFC ERGO Travel Insurance becomes a trustworthy partner in the event of unanticipated events. Let’s examine the main characteristics and advantages of HDFC ERGO Schengen Travel Insurance.

Why Choose HDFC ERGO Travel Insurance as an Insurance Partner for Your Schengen Visa?

Schengen zone compliance:.

HDFC ERGO Travel Insurance for the Schengen Zone complies with the visa requirements set by Schengen countries. It provides the necessary coverage to meet the demands of your travel itinerary.

Medical Coverage:

Unforeseen medical emergencies can disrupt travel plans. HDFC ERGO ensures you are covered for medical expenses, including hospitalization, doctor’s fees, and medication, giving you peace of mind throughout your journey.

Trip cancellation and interruption:

Life is unpredictable, and plans may change. The policy safeguards your financial investment by covering trip cancellations or interruptions due to unforeseen circumstances, allowing you to travel with confidence.

Loss of Baggage and Personal Belongings

In the unfortunate event of baggage loss or damage, HDFC ERGO provides coverage for the cost of replacement, ensuring minimal disruption to your travel experience.

Emergency Evacuation and Repatriation

HDFC ERGO understands the importance of swift response in emergencies. The policy covers the costs associated with emergency evacuation and repatriation, ensuring you receive timely and appropriate medical care.

24/7 Assistance

Travel uncertainties may arise at any time. HDFC ERGO offers round-the-clock assistance, ensuring you have access to support and guidance whenever needed.

Coverage for Adventure Activities

If your travel plans include adventurous activities, HDFC ERGO’s Schengen Travel Insurance has you covered. From skiing to hiking, enjoy your chosen activities with the confidence that you are protected.

Legal Assistance

Travel mishaps may involve legal complexities. The policy provides coverage for legal expenses, offering assistance in navigating legal issues that may arise during your trip.

Also Read: Star Health Insurance Coverage: Comprehensive Well-Being

Emergency Cash Advance

In situations where you might need immediate financial assistance, HDFC ERGO offers emergency cash advance benefits, ensuring you have the necessary funds to address unexpected challenges.

Policy Renewal and Extension:

You have the option to prolong or renew your Schengen Travel Insurance coverage with HDFC ERGO. If your trip goes longer than expected, you can easily renew your insurance online to guarantee coverage for the whole time you’re traveling.

Transparent Claim Process:

If there are any unanticipated events during your journey, HDFC ERGO guarantees a straightforward claims procedure. It’s simple to file claims using the online portal, and the committed customer support team is available to assist you throughout the process.

Multi-Trip Plans:

Multi-trip insurance policies are available from HDFC ERGO if your travel itinerary calls for several trips into the Schengen Zone. These plans provide coverage for an extended period, offering convenience for frequent travelers.

Customizable Coverage:

HDFC ERGO recognizes the individuality of each passenger. You can pick coverage choices from the insurance that best suits your needs by customizing it. Customize your insurance to meet your needs, whether that means more benefits or more medical coverage.

Stay informed with alerts:

HDFC ERGO keeps you informed and updated with travel alerts relevant to your destination. Stay abreast of any travel advisories, ensuring a proactive approach to potential challenges during your journey.

Accessing Emergency Assistance Abroad:

HDFC ERGO recognizes the value of prompt support in times of need. The policy offers a hotline that is available around the clock to link you with support staff that can walk you through what to do in the event of an unexpected circumstance.

Lost Passport Assistance:

Losing your passport can be a daunting experience. HDFC ERGO’s Schengen Travel Insurance offers assistance in the process of reporting and obtaining a new passport, helping you navigate through the bureaucratic procedures with ease.

Coverage for Personal Liability:

Legal issues may arise if you inadvertently cause injury to a third party or their property while traveling. Schengen Travel Insurance from HDFC ERGO provides financial security in these circumstances by covering personal responsibility.

Crisis Response and Evacuation:

HDFC ERGO offers crisis response and evacuation coverage in infrequent but crucial circumstances. This covers plans for evacuation in the event of a natural disaster, political upheaval, or other emergency.

Notification of Home Country:

In the case of an unfavorable incident during your trip, HDFC ERGO helps you alert the embassy or consulate of your home country. This guarantees that the representatives of your country in the host country will provide you with the help you need.

Also Read: Ayushman Bharat PMJAY: Eligibility, Benefits, and Coverage

What are some insurance-related tips for an enhanced travel experience in the Schengen region?

Review policy documents thoroughly:.

Review the details of your HDFC ERGO Schengen Travel Insurance policy documentation in detail before you go on your trip. To guarantee thorough knowledge, be aware of the coverage, exclusions, and any special circumstances.

Emergency Contacts:

Save the emergency contact numbers provided by HDFC ERGO on your phone. Having them readily accessible ensures quick communication in urgent situations.

Keep a copy of the policy documents:

Carry both physical and digital copies of your insurance policy documents. This ensures you have quick access to essential information, especially during emergencies.

Stay informed about local healthcare facilities:

Familiarize yourself with the local healthcare facilities in the Schengen countries you plan to visit. Knowing the nearest hospitals and clinics can be valuable in cases of medical emergencies.

Register with the Embassy or Consulate:

Consider registering with your home country’s embassy or consulate in the Schengen Zone. This can facilitate swift assistance in case of emergencies or unforeseen events.

Your Journey, Your Safety:

Let HDFC ERGO be your reliable travel companion as you embark on your exploration of the fascinating Schengen Zone. Your trip will be memorable and safe because of HDFC ERGO Schengen Travel Insurance’s dedication to your safety, extensive coverage, and helpful support network. Journey with the assurance that a trustworthy companion is watching out for you at every turn. Happy travels!

Also Read: HDFC ERGO Health Insurance: Comprehensive Coverage

How do I obtain HDFC ERGO Schengen Travel Insurance?

Navigate to the official HDFC ERGO website to explore the travel insurance options available.

Choose the specific travel insurance plan designed for the Schengen Zone. Review the policy details, coverage, and premium rates.

Complete the online application form, providing accurate details about your travel itinerary and personal information.

Pay the premium online through the secure payment gateway provided on the website.

Once the payment is confirmed, you will receive the policy documents via email. Ensure you carry a printout of these documents during your travels.

You may fulfill your visa requirements and ensure that you have a safety net in case of unanticipated events by choosing HDFC ERGO Travel Insurance for the Schengen Zone. Travelers entering the fascinating Schengen Zone could rely on HDFC ERGO because of its extensive coverage, easy-to-use procedures, and dedication to customer satisfaction. With HDFC ERGO at your side, you can travel with assurance and make sure your trip is one to remember for all the right reasons.

Frequently Asked Questions (FAQs):

Yes, HDFC ERGO Schengen Travel Insurance is designed to meet the visa requirements of Schengen countries.

The claims process is streamlined through the online portal. You can initiate a claim by providing the necessary details, and the customer support team is available for assistance.

Absolutely. HDFC ERGO offers the flexibility to extend your policy duration to accommodate changes in your travel plans.

Yes, HDFC ERGO Schengen Travel Insurance covers a range of adventure activities. Refer to the policy document for specific details on covered activities.

Policy renewal is a simple process. Visit the HDFC ERGO website, navigate to the renewal section, and follow the instructions to renew your Schengen Travel Insurance online.

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HDFC ERGO Travel Insurance – Benefits, Coverage, Reviews & More

HDFC Ergo General Insurance Company is a joint venture between some of the leading names in the financial sector. The company is jointly owned by HDFC Limited and ERGO International AG. HDFC Limited is a housing finance company which is quite reputed in India and ERGO international AG is the insurance component of the Munich Re Group. Thus, both the companies have tremendous expertise in insurance and finance as a result of which HDFC Ergo offers various attractive general insurance policies. Travel insurance policies are also offered by the company which provides coverage when you are travelling.

Let’s understand HDFC Ergo travel insurance plans in detail.

Why choose HDFC Ergo travel insurance?

HDFC Ergo travel insurance plans have a definite edge over other policies because of the following reasons

• HDFC Ergo enjoys the trust of more than 1 crore individuals and is, therefore, a trusted and a reputed company
• The company provides its customers with 24*7 support for any type of query or feedback that they might have
• HDFC Ergo travel insurance offer you the benefit of paying premiums per day of travel ensuring that you do not pay additional premiums
• No pre-entrance medical check-ups are needed to buy HDFC Ergo travel insurance plans
• You can buy any HDFC Ergo travel insurance policy online without getting involved in unnecessary paperwork. HDFC Ergo provides complete online assistance when it comes to buying travel insurance policies
• The company has an in-house claim settlement department which makes it easier and convenient for you to get settlement of your travel insurance claims
• In case of medical contingencies faced when travelling, you can avail cashless treatments at across more than 8 lakhs hospitals over the world which are tied-up with HDFC Ergo

Types of HDFC Ergo travel insurance plans

HDFC Ergo offers a range of travel insurance policies for different types of trips that you might undertake. The list of HDFC Ergo travel insurance plans is, therefore, as follows

• HDFC ERGO Individual travel insurance plan

This policy covers a single individual travelling to another destination. The policy has the following features

• There are destination specific individual travel insurance policies. These policies are Asia plan, Schengen countries plan, worldwide plan excluding USA and Canada and worldwide plan including USA and Canada
• You can buy a single trip policy or an annual multi trip policy covering multiple trips taken during a year
• Foreign nationals who are working in India and drawing their salary in INR can be covered under the policy
• Even foreign individuals who are living in India can be covered
• There are four plan variants of Silver, Gold, Platinum and Titanium under single trip plan

Coverage benefits under HDFC ERGO Individual Travel Insurance Plan

Coverage under individual travel insurance plans is provided for the following

• Cashless treatments at networked hospital in case of medical emergencies
• Emergency dental treatments necessitated due to an injury or accident
• Medical evacuation to the nearest hospital for treatments
• A daily cash allowance if you are admitted to the hospital for 24 hours or more
• Repatriation of the dead body back to the resident country in case of death
• Coverage against accidental death
• Coverage against permanent disability
• Loss of baggage and personal documents
• Delay or loss of checked-in-baggage
• Coverage against liability faced in case of third party damages in a foreign country
• Emergency cash assistance in case of theft or robbery
• lAllowance for hijack of your flight
• Coverage for flight delay
• Coverage for extension of hotel stay due to unavoidable circumstances

Exclusions under HDFC ERGO Individual Travel Insurance Plan

Though individual travel insurance plans provide a comprehensive list of coverage features, the following would not be covered under the policy

• Medical contingency suffered due to criminal acts
• Medical emergency suffered due to alcohol consumption, drug usage or use of any other intoxicating substance
• Any treatments which are caused due to pre-existing illnesses
• Any type of cosmetic treatment or treatment related to weight management
• Medical emergencies suffered due to suicide, attempted suicide and self-inflicted injuries
• Injuries suffered due to participation in adventure sports or hazardous activities

Eligibility criteria of HDFC ERGO Individual Travel Insurance Plan

• HDFC ERGO Family Travel Insurance Plan

A family travel insurance policy covers you along with your family members under the same plan. The features of the plan are as follows –

• All travelling family members are covered under a single travel insurance policy which includes self, spouse and up to two dependent children
• You can choose an annual multi trip policy for the whole family if you take regular trips. Alternatively, you can also choose a single trip policy covering one specific trip which you undertake with your family
• There are four coverage variants and the sum insured and coverage benefits vary across each variant
• In case of business professionals, their spouse and dependent children can be covered under the policy

Coverage under HDFC ERGO Family Travel Insurance Plan

Family travel insurance plan covers both medical as well as non-medical emergencies suffered by any family member while on the trip. The plan allows coverage for the following instances

• Medical treatments due to an emergency
• Medical evacuation
• Costs incurred in undergoing an emergency dental treatment due to an injury suffered
• Hospital cash allowance benefit if you are hospitalised for a period of 24 hours or more. This benefit is paid per day of hospitalisation
• Repatriation of mortal remains if the insured member dies on the trip
• A lump sum benefit is payable in case of accidental death or permanent disablement suffered by any insured member
• If you or your family members cause any third party damage, the liability that you face would be covered under the policy
• Loss or delay of your checked-in-baggage
• Loss of personal belongings and important documents while on the trip
• Hijack distress allowance on a per day basis if your flight is hijacked

Exclusions under HDFC ERGO Family Travel Insurance Plan

The following are instances which are not covered under a family travel insurance policy

• Any act which breaches the law
• Any contingency suffered due to alcohol or substance abuse
• Contingency suffered due to participation in adventure sports
• Cosmetic treatments
• Any type of obesity related treatments
• Attempted suicides and self-inflicted injuries
• Illnesses which occur due to pre-existing diseases or conditions

Eligibility criteria of HDFC ERGO Family Travel Insurance Plan

• HDFC ERGO Student Travel Insurance Plan

A student travel insurance policy is specifically designed for students who go abroad for higher studies. These policies have coverage benefits which are needed by students. The salient features of the student travel insurance plan offered by HDFC Ergo are as follows

• There are two types of policies offered under this category – worldwide excluding USA and Canada and worldwide coverage
• The scope of coverage is quite extensive and the premiums are also affordable
• Resident Indian students can buy this policy if they are going abroad for higher education
• There are five plan variants of Standard, Bronze, Silver, Gold and Platinum
• Add-on covers are also available under the plan at an additional premium

Coverage features of HDFC ERGO Student Travel Insurance Plan

HDFC Ergo student travel insurance plans have the following coverage benefits

• Cashless treatments at networked hospitals in case of emergency medical contingencies
• Coverage against dental treatments required in case of injuries
• Medical evacuation by air or surface to the nearest hospital for treatments
• Repatriation of the dead body in case of death of the student
• Coverage against accidental death and permanent disability suffered abroad
• Delay in receiving the checked-in-baggage or loss of the baggage altogether
• Personal liability faced due to any third party damage caused by the student
• Coverage against bail money if the student is imprisoned abroad
• Coverage against study interruption if the student falls sick which results in a prolonged hospital stay of is an immediate family member dies. In such cases, the tuition fee is paid as compensation
• Payment of tuition fee if the sponsor of the student dies and the student is unable to meet the education costs
• Coverage for compassionate visit of a family member if the student falls sick abroad. The cost of return fare tickets is paid as claims
• Coverage for getting a new passport in case of loss of the earlier one

Additional coverage features of HDFC ERGO Student Travel Insurance Plan

By paying an additional premium, you can avail coverage for the following instances too

• Medical expenses incurred on an inpatient basis due to pregnancy
• Treatment costs incurred for treating mental disorders, nervous disorders, drug dependency and alcohol addiction
• Costs of cancer screening and mammography exams
• Daily allowance payable for child care benefits for up to 7 days

Exclusions under HDFC ERGO Student Travel Insurance Plan

A student travel insurance plan offered by HDFC Ergo excludes the following instances of claims

• Self-inflicted injuries, suicides or attempted suicides
• Acts of criminal nature and their consequences
• Claims arising due to alcohol or drug abuse cases
• Pre-existing illnesses and their complications are not covered
• If the student participates in any hazardous activities or adventure sports, any resulting emergencies would not be covered
• Cosmetic and weight management treatments are not covered
• Pregnancy expenses would be covered only after a waiting period of 10 months

Eligibility criteria of HDFC ERGO Student Travel Insurance Plan

• Frequent Flyers Insurance Plan

This is an annual multi-trip policy which is suitable for individuals who travel frequently during a year for their work related needs. The features of the policy are as follows –

• You can avail cashless treatments at a vast network of hospitals all around the world as they are tied-up with HDFC Ergo
• Unlimited number of trips are covered under the policy and one trip should not exceed 45 days
• The plan has two coverage variants of Gold and Platinum

Coverage under frequent flyers insurance plan

The frequent flyers insurance policy covers the following types of claims

• Medical emergencies suffered while on the trip
• Emergency medical evacuation
• Emergency dental treatments due to an injury
• Daily cash allowance benefit in case of hospitalisation
• Medical repatriation and repatriation of mortal remains
• Accidental death and disablement
• Loss of baggage
• Loss of personal documents
• Delay of checked-in-baggage
• Loss of checked-in-baggage
• Personal liability for causing any third party damage
• Emergency financial assistance due to loss of funds to theft, robbery or dacoity
• Hijack distress allowance if the flight is hijacked
• Hotel accommodation in case of extension of the trip due to unavoidable circumstances
• Delay of flight and the consequences thereof

Exclusions under frequent flyers insurance plan

The frequent flyers insurance policy does not cover the following types of claims –

• Claims made for pre-existing illnesses
• Claims made for any activity which is illegal and criminal in nature
• Claims suffered because of being under the influence of alcohol and/or drugs
• Any type of cosmetic and obesity related treatments which are not medically necessary
• Claims suffered because of participation in adventure sports
• Claims suffered due to self-inflicted injuries or suicides

Eligibility criteria of frequent flyers plan

How to buy HDFC Ergo Travel Insurance plans?

You have various options to buy HDFC Ergo travel insurance plans. These options are as follows

• Through HDFC Ergo’s branch HDFC Ergo General Insurance Company has a widespread network of branches all over India. You can locate the branch office of the company in your city and visit the nearest branch to buy the policy. Visit the branch, avail an application form, fill up the form and submit it with your documents and premium amount. The application process would be done. The company would, then, assess your application and issue the policy at the earliest.
• Through HDFC Ergo’s insurance agent HDFC Ergo also has a network of insurance intermediaries who sell the company’s policies. You can find and approach an agent of the company and apply for HDFC Ergo travel insurance plans from him/her. An application form would have to be filled and submitted along with your documents and premium amount. The agent would submit your application to the company and HDFC Ergo would, then, assess your application. If everything is in order, the policy would be issued at the earliest.
• Through the company’s website Applying for HDFC Ergo travel insurance plans online is perhaps the most convenient mode of buying. HDFC Ergo allows online issuance of its travel insurance policies and so you can apply for a suitable travel insurance policy online from the company’s website. To apply, visit https://www.hdfcergo.com/travel-insurance and choose the most suitable policy depending on the type of trip you are undertaking. Fill in the online application form stating your details and the details of the trip. Pay the premium online and the policy would be issued in an instant.

Documents required for buying HDFC Ergo travel insurance plans

To buy HDFC Ergo travel insurance plans, the following documents would be needed –

• Proposal form/application form
• Identity proof of the insured members
• Age proof of insured members
• Travel tickets
• Travel Visa
• Any other document as required by the insurance company

How to renew HDFC Ergo travel insurance plans?

If you want to renew your policy, you can visit the company’s website and renew the policy instantly online. Just provide your policy details and pay the renewal premium and your policy would be renewed at the earliest.

How to make a claim under HDFC Ergo travel insurance plans?

As mentioned earlier, HDFC Ergo has an in-house claim settlement team for its travel insurance claims. Thus, in case of a claim, you simply have to inform the company of your claim and the company would guide you with the next steps which should be taken. To inform the company you can choose any of the following options

• Send an email to the company at [email protected]
• Call the international toll-free number of the company +800 0825 0825 and inform the company of the claim
• Call on the landline of the company at +91 120 4507250. This call would be chargeable as per international call rates

After informing the company, you would be told of the next steps to be followed. Take the specified steps, fill up a claim form and submit the form with the relevant documents to get a settlement of your claim.

Documents required for claims

For your claim to be settled, the following documents would have to be submitted

• Identity proof
• In case of a medical claim – all medical bills and reports
• Other claims – proof of claims

Is it possible to extend the coverage duration if the trip is extended?

Yes, HDFC Ergo travel insurance plans allow extension of your coverage if the trip duration extends due to unavoidable situations. You can extend your coverage for up to 360 days by requesting the company for an extension. An additional premium would have to be paid for such an extension.

When does a travel insurance plan expire?

A travel insurance plan has a coverage duration which is equal to the duration of the trip. Once the coverage duration is over, the plan would expire.

Can I change the travel dates after buying HDFC Ergo travel insurance policy?

Yes, the travel dates can be changed after you have bought an HDFC Ergo travel insurance policy but if the trip has not already started.

Will I get a refund if I come back early from the trip?

No premium refund is allowed if you cut short your trip and come back to the origin country.

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Policy Cancellation & Refund

Policy cancellation and refund of the premium shall be as per the terms & conditions of the policy. The refunds are processed by the Insurance Company directly. You are requested to contact the toll free number of your Insurance Company or refer the respective section of your Policy terms and conditions. You can also call us at our toll free number 1800-266-0101 or write a mail to us at [email protected] . We shall be available to guide/assist you.

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Travel Insurance for a Schengen Visa - What You Need to Know

Last Updated : 30 Apr 2024

Last Updated : 30 Apr 2024 at

30-Second Summary

Indian nationals travelling to a Schengen country must have valid travel insurance.

Your insurance must cover the stay of your trip.

It must have a minimum coverage of at least €30,000.00.

Your insurance must provide you with coverage in all the Schengen member states.

Indian nationals applying for a Schengen visa must provide certain travel documents. These documents include proof of financial means , a cover letter , an invitation letter , etc. (you can read more about the visa requirements in our blog). However, one of the most important documents is the proof of travel insurance.

This blog post will provide you with in-depth information about travel insurance for a Schengen visa .

Do Indian Citizens Need Travel Insurance For A Schengen Visa?

Yes, they do. Indian citizens planning a trip to a Schengen country must have valid travel insurance . During the application process, you must collect several documents to prove you are eligible to get a visa. One of the most important documents you must have is proof of valid travel insurance that’s valid in the entire Schengen Area and for your total period of stay .

What Are The Schengen Visa Travel Insurance Requirements?

The medical or travel insurance for a Schengen visa must meet the following criteria:

A minimum coverage of at least €30,000.00 .

Coverage in all Schengen states .

Coverage for all expenses related to urgent medical treatment, evacuation for medical purposes, or repatriation from the Schengen area to India.

How Can I Get Travel Insurance For A Schengen Visa From India?

Before you purchase travel insurance, make sure that the company you’re using is legit , as there are some scams out there. Here’s how you can go about getting travel insurance.

Do research on the best insurance companies for Schengen visas.

Once you have your company, you can request a quote on their website.

Complete the form.

Select the number of people you want to include in your insurance plan.

Complete the purchase form and pay the fee if you’re happy.

Once you complete the purchase form, the company will contact you.

Can I Get Travel Insurance From Indian Health Insurance Companies?

Yes , you can. There is a list of approved insurance companies where you can buy travel insurance for the Schengen visa.

The list of Schengen-accredited travel insurance companies in India is as follows:

Acko General Insurance Ltd.

Aditya Birla Health Insurance Company.

Bajaj Allianz General Insurance Co. Ltd.

Bharti AXA General Insurance Co. Ltd.

Care Health Insurance Limited.

Cholamandalam MS General Insurance Co. Ltd.

CoCo by Navi General Insurance Co. Ltd 91.

GO Digit General Insurance Ltd.

HDFC ERGO General Insurance Co. Ltd.

HDFC Ergo Health Insurance.

ICICI Lombard General Insurance Co. Ltd.

IFFCO-Tokio General Insurance Co. Ltd.

Manipal Cigna Health Insurance Company Limited.

Max Bupa Health Insurance Co. Ltd.

National Insurance Co. Ltd.

The New India Assurance Co. Ltd.

The Oriental Insurance Co. Ltd.

Reliance General Insurance Co. Ltd.

Royal Sundaram General Insurance Company Ltd 3 months.

SBI General Insurance Co. Ltd. 6 months.

Star Health & Allied Insurance Co. Ltd 6 months.

Schengen visa applicants must prioritise obtaining suitable travel insurance that complies with the specific coverage requirements mandated by the Schengen Area. A comprehensive insurance policy not only meets the visa prerequisites but also offers peace of mind during travel, ensuring protection against unexpected medical or travel-related emergencies.

Our Commitment To Visa Accuracy

Atlys strives to give you correct and up-to-date information on all things visa-related. We only use government sources and websites to ensure our information is correct.

European Commission

Visa regulations and fees can change at any given moment. This is why we always encourage our readers to check the government website before applying.

Frequently Asked Questions

Yes, travel insurance is a mandatory requirement for obtaining a Schengen visa.

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• Travelers aged 6 months - 60 years are eligible for $50,000, $100,000, $250,000 & $500,000 max coverage options.

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Ths list of Indian travel insurance companies providing travel medical insurance for Schengen Visa procedure has been approved by the Schengen States Consular Representations have w.e.f 1st August 2016.

The German Missions accept Indian travel medical insurances only from Indian travel insurance companies listed below (in alphabetical order).

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Know about Travel Insurance for Schengen Visa: How to Apply

If you are planning to travel to the Schengen area, you need to have a travel insurance policy that meets the visa requirements. Schengen area travel insurance provides medical and financial cover to you in case of an emergency during your travel. In this article, we will explore the details of travel insurance for Schengen visa, its coverage, benefits, cost, and how to choose the right policy.

What is travel insurance for Schengen visa?

Travel insurance for Schengen visa is a mandatory health insurance policy that provides financial and medical coverage to the applicant during their stay in Schengen countries. The policy must meet the minimum coverage requirements according to the Schengen visa regulations. It covers medical emergencies, hospitalisation expenses, repatriation, and other costs that may arise during the travel period.

Schengen travel insurance coverage details

Schengen travel insurance provides the following coverage:

• Medical expenses: Covers medical emergencies, hospitalisation, and related expenses during your stay in the Schengen area.
• Emergency evacuation: Provides coverage for emergency evacuation to your home country in case of serious medical conditions.
• Trip cancellation/ interruption: Reimburses non-refundable expenses if your trip gets cancelled or interrupted due to covered reasons.
• Loss of baggage: Offers compensation for lost, stolen, or damaged baggage during your trip.
• Personal liability: Provides coverage for legal expenses and damages in case you accidentally cause injury or damage to a third party.

Benefits of Schengen travel insurance

Some of the benefits of Schengen travel insurance are:

• Peace of mind: Travelling with insurance provides peace of mind, knowing that you are financially protected against unexpected events.
• Compliance: It fulfils the mandatory requirement for obtaining a Schengen visa, ensuring a smooth visa application process.
• Financial security: Protects you from incurring hefty medical bills or other expenses in foreign countries, where healthcare costs can be exorbitant.

How to apply for travel insurance for a Schengen visa?

Here are some pointers to consider when applying for travel insurance for a Schengen visa:

• The insurance must meet the Schengen area’s minimum coverage requirements.
• Applicants can apply for Schengen visa insurance online or visit an insurance company to purchase the policy.
• The policy must cover the entire duration of the trip for which the visa is applied.

Eligibility criteria for travel insurance

To be eligible for Schengen travel insurance, you must meet the following eligibility criteria:

• Must be valid for the entire duration of your stay in the Schengen area.
• Minimum coverage of EUR 30,000 for medical emergencies and repatriation.
• Coverage for all Schengen countries is included in your travel itinerary.

What is the claim process for Schengen visa insurance?

Here are some pointers to follow to make a claim for Schengen visa insurance:

• Notification: Inform your insurance provider immediately in case of an emergency or need to make a claim.
• Documentation: Provide necessary documents such as medical reports, bills, and proof of travel.
• Submission: Submit the claim form along with supporting documents to initiate the claim process.
• Evaluation: The insurance company will assess your claim and determine its validity based on the policy terms and conditions.
• Settlement: If your claim is approved, you will receive reimbursement for eligible expenses as per the policy coverage.

How to choose the right Schengen travel insurance?

Here are some pointers to consider when choosing the right Schengen travel insurance policy:

• Coverage limits: Ensure the policy provides adequate coverage for medical expenses, trip cancellations, and other contingencies.
• Network hospitals: Check if the insurance provider has a network of hospitals and healthcare providers in the Schengen area for cashless treatment.
• Customer reviews: Read reviews and testimonials from other travellers to gauge the reliability and quality of service offered by the insurance company.
• Additional benefits: Look for additional benefits such as coverage for adventure sports, pre-existing medical conditions, and 24x7 emergency assistance.
• Cost: While cost is important, prioritise coverage and benefits over price to ensure comprehensive protection during your trip.

In conclusion, travel insurance for Schengen visa is not just a requirement but a wise investment for any traveller venturing into the Schengen Area. It offers financial protection and peace of mind, ensuring that you can enjoy your trip without worrying about unforeseen expenses or emergencies. By understanding the coverage details, benefits, and claim procedures, you can choose the right insurance policy that meets your needs and travel plans.

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What Is Schengen Travel Insurance?

Quick answer.

S chengen travel insurance is a specific type of travel insurance policy tailored to meet the travel medical coverage requirements set by the 27 (soon to be 29) European destinations within the Schengen Area. Travelers must present proof of sufficient coverage as part of the Schengen visa application process.

Schengen member countries have abolished their internal borders, allowing more accessible travel within the area. While this is incredibly convenient, some travelers may need a visa to visit Schengen countries. And one of the requirements to obtain that visa is to purchase sufficient travel medical insurance coverage.

Read on to learn more about Schengen visa travel insurance requirements and find the best travel insurance policy for your upcoming trip.

Table of contents

What is schengen travel insurance, schengen countries, visa and travel insurance requirements for the schengen area, key coverages in schengen travel insurance, how to get schengen travel insurance, schengen travel insurance faqs, summary of money’s guide to schengen travel insurance.

Schengen travel insurance is designed for travelers entering the Schengen zone, which comprises 27 (soon to be 29) European nations that have abolished internal borders.

Many visitors, including citizens from non-EU countries like India and China, must obtain a travel visa to enter the Schengen Area. And a requirement for a Schengen Visa is to have insurance covering at least €30,000 (around $32,720) in medical costs.

However, there are exemptions. For example, U.S. citizens and residents of countries such as Canada, Brazil and Mexico don’t need a Schengen visa or travel insurance for stays of up to 90 days within a 180-day period.

The Schengen Area consists of a diverse tapestry of countries. Among the member nations are some of the best places to visit in Europe , including France, Italy, Germany, Spain, Greece and the Netherlands.

Here’s the complete list:

Ireland and Cyprus are the only E.U. member states not currently part of the Schengen Agreement.

Having a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or business purposes.

Once officially admitted, you can travel freely within the member countries without passing through customs each time. Stays under 90 days don’t require a visa for U.S. nationals, but your passport should be valid for at least six months past your travel dates.

Short stays don’t require travel medical insurance either, though travel insurance may still be worth it . That could be especially true if you plan to participate in adventure sports or other high-risk activities.

Travel insurance generally also covers cancellations and delays. Purchasing a policy could pay off if you’ve booked expensive, non-refundable flights or accommodations and didn’t purchase them with one of the best travel credit cards that offer insurance.

European Travel Information and Authorisation System (ETIAS)

Travel requirements for European Union countries are projected to change by mid-2025. Visa-exempt travelers to all 27 (soon to be 29) Schengen countries and Cyprus will need an ETIAS authorization.

Here’s what you need to know:

• You must complete an online application and pay a small fee for an ETIAS authorization.
• The authorization is tied to your passport and is valid for three years or until your passport expires.
• With a valid travel authorization, you can enter 30 European countries for short stays of up to 90 days within a 180-day period.
• ETIAS authorization does not guarantee entry into any of these countries. You still have to present your passport and documents at the border.
• The above applies to people from the U.S., Canada and dozens of other countries, so check the E.U.’s official travel website or your country’s embassy for more information. An ETIAS is not a visa and doesn’t mandate travel medical insurance.

Schengen visa requirements

You’ll need a visa if you’re from a visa-exempt country, like the U.S., and planning to stay in the Schengen Area beyond the 90-day threshold. Regardless of the length of the stay, nationals traveling from certain countries always require a visa.

Determine which Schengen country you’ll spend most of your time in and check with their official tourism or embassy website for instructions on applying for a visa. The embassy will inform you about the required documentation and instructions to meet their regulations.

Schengen visa processing time can vary depending on your country of origin and your destination country, so be sure to start the process as early as possible.

Besides the application form, the following are required to obtain a Schengen visa:

• Valid passport: Your passport must be valid for at least three months after departure.
• Passport photo: You must submit a picture of yourself that complies with the International Civil Aviation Organisation (ICAO) standards.
• Travel medical insurance: You must carry at least €30,000 (approximately $32,720) in coverage for medical emergencies, hospitalization and repatriation that’s valid in the entire Schengen Area for the duration of your stay.
• Documentation: You must provide evidence of the purpose of your visit through supporting documentation, demonstrate you have the financial means to cover expenses and accommodations and show intent to return to your home country after the stay.
• Fingerprints: Most, but not all, applicants will be required to submit their fingerprints along with their application.

Consulates of particular countries may require additional documentation.

Understanding what travel insurance covers can help you plan a worry-free journey. While plans and coverage options vary by company, here’s a breakdown of what Schengen travel insurance generally covers.

• Medical expenses: Travel medical insurance covers the cost of treating unexpected illnesses or injuries you suffer during your trip, up to your policy limits. These include the cost of medications, hospitalization and other essential medical treatments.
• Medical repatriation: Some travel medical policies also include emergency medical evacuation or repatriation, which covers some of the costs of transporting you back home or to a different medical facility to receive necessary medical treatment.
• Repatriation of remains: As the name suggests, this coverage will pay (up to your policy limits) for expenses related to transporting your body or cremated remains to your home country or point of origin.
• 24/7 Travel Assistance: Travel insurance companies generally offer round-the-clock assistance services, including language support, help recovering lost passports or prescriptions and even booking accommodations and medical transportation.

Note that some companies may require you to meet a deductible for the travel medical plan to start paying out.

Other travel-related coverage options

Most travel insurers sell policies covering medical emergencies and travel-related inconveniences such as delays, cancellations, lost luggage, and more. While you don’t need these coverage options to obtain a Schengen visa, you may still find them worthwhile.

• Trip cancellation and trip interruption: Covers non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events like illness or accidents.
• Baggage loss or delay: Helps cover the cost of replacing essential items if your baggage is lost or delayed by a specified number of hours.
• Delayed flights and missed connections: Provides compensation for additional expenses caused by inconveniences such as delays or missed connections.

It’s easy to buy travel insurance for your Schengen Area trip. Many providers offer policies that fulfill the visa requirement and include additional coverage that can be tailored to your needs.

Here are some steps to help you get the right coverage.

1. Research reputable travel insurance providers

Most travel insurers bundle travel medical insurance coverage with trip cancellation, interruption, and other coverage options. If you only want to satisfy Schengen visa requirements, look for a provider that explicitly markets Schengen travel insurance or offers stand-alone travel medical coverage.

2. Select a plan that meets your needs and get a quote

Remember that you may not need trip insurance beyond the €30,000 in travel medical coverage required for a Schengen visa, so read plan details carefully to avoid buying unnecessary coverage.

It also pays to shop around and get quotes from several insurers, as travel insurance costs between 3% and 14% of the total cost of your trip, depending on the company and policy you choose.

3. Read your policy details

When shopping for travel insurance online, you’ll typically find that most companies include a policy summary or schedule. This document outlines critical details such as the policy’s coverage limits and exclusions. Carefully reading it can help you avoid surprises and frustration if you ever need to file a claim.

If you still have questions after reading the policy summary, contact the insurer before finalizing your purchase.

4. Get to know the claims process

Similarly, reading about your insurance provider’s claims process can save you time and energy in an emergency. Your policy summary should include a list of documents you’ll be required to provide as part of the claims process, which may include receipts and medical bills.

After a covered incident, contact your insurer through the company’s website or mobile app as soon as possible. Most insurers also offer travel assistance services around the clock.

5. Purchase and safeguard your policy

You will need proof of your travel medical insurance plan to apply for a Schengen visa. Keep your insurance certificate in a secure yet accessible location, whether a digital version on your smartphone or a physical printout in your travel folder.

It may also be a good idea to share a copy of your policy with a trusted friend or family member back home so they can contact your insurance provider if you cannot request medical assistance due to an emergency.

Should I get travel insurance for Europe?

Travel insurance, especially within the Schengen Area, is not just recommended but often mandatory. To obtain a visa to visit the Schengen zone, you must show proof of having sufficient travel medical insurance.

How much travel insurance do I need for Europe?

What countries does europe travel insurance cover.

• The first step before you travel to any Schengen country is to determine whether you need a visa and, therefore, mandatory travel medical insurance for a Schengen visa.
• Check with your country’s embassy, Department of Foreign Affairs or the tourism website of the country you plan to visit for specifics about medical travel insurance for Schengen visa requirements.
• You don’t need a visa or international travel insurance if you have a valid U.S. passport and are visiting the Schengen zone for less than 90 days in a 180-day period.
• If you’re a U.S. national planning to visit the Schengen Area for more than 90 days, you must apply for a visa and secure adequate travel health insurance (at least €30,000 in travel medical and repatriation coverage).

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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New Schengen Visa rules: Know changes in travel, insurance trends; senior citizens visiting Europe shoots up by 100%

New schengen visa rules ushered in significant changes in travel and insurance trends, with those aged 70 and above visiting schengen destinations doubling. in the upcoming season, 82% of travellers to europe will visit france, switzerland, italy, germany, netherlands, and spain..

New Schengen Visa rules have resulted in a doubling of Europe-bound senior citizens, a survey by insurance broker Policybazaar.com revealed. The new Schengen Visa rules, announced on April 18, have also spurred significant changes in travel insurance trends over the past few days, including a 3-4 per cent surge in users who booked travel insurance policies, as per the Policybazaar survey.

Travellers to Schengen destinations aged 70 and above have doubled compared with last year's figures. A significant rise in travellers declaring pre-existing diseases was also noted.

The most sought-after add-ons for travel insurance included coverage for baggage or loss of belongings, trip cancellation, adventure sports coverage, and pre-existing disease (PED) coverage, as per the report.

Also read: New Schengen visa rules for Indians: This is how you can get multi-entry two-year visa for 29 European countries

Manas Kapoor, business head of Travel Insurance at Policybazaar.com, pointed out a surge among Europe-bound travellers who booked long-term travel insurance, after the new visa rules came into effect.

The survey noted a 3-4 per cent surge in users who booked travel insurance policies for travels that exceeded 45 days in April 2024. “This trend is expected to rise further due to the relaxed visa norms," Manas Kapoor pointed out.

In the upcoming summer season, 82 per cent of Indian travellers to European countries will be visiting popular destinations like France, Switzerland, Italy, Germany, Netherlands, and Spain, according to the survey.

The survey found a 15 per cent rise in travellers to Europe who declared pre-existing conditions including Diabetes and Hypertension, compared with last year's figures.

Also read: Indians can now apply for multiple entry Schengen visa with longer validity. Check details

But a 40% plunge was recorded in number of travellers buying travel insurance products in Euros.

The new Schengen visa regime entails a stark departure from previous rules. Previously, Indians who wished to travel to one or more European countries were granted Schengen visas for a maximum of three months.

Also read: Schengen visa fee hike: Here’s how costly your trip to Europe can get

Under the new regime, Indians will be granted Schengen visas for two years, thus facilitating their entry to any of the 29 European countries multiple times. This two-year validity is further extendable by 5 years under the ‘cascade regime’. This means Indian tourists can travel and stay in any of these European countries as visa-free nationals for a longer period.

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Travellers book long-term insurance as Schengen visa rules come into play

Travellers have shown a remarkable interest in selecting appropriate add-ons for their travel insurance. riders covering baggage or belongings loss, trip cancellation, adventure sports coverage.

Schengen visa | Photo: Schengen visa information website

EU eases Schengen visa rules for Indians: Costs, processing time explained

Explained: how indians can now get five-year, multi-entry schengen visa, are indians eligible for 5-year schengen visa all you need to know, schengen visa to go online, no need for in-person appearance at consulate, thailand plans schengen-style visa for asia: how does it impact you, venice imposes world's first tourist entry fee: all you need to know, cred introduces offline qr code 'scan & pay' service, kiosks for merchants, rbi directs talkcharge to return funds in ppi- wallets to consumers, risky borrowing: india's household debt has likely surged to all-time high, h-1b visa holders can now sue over fraud-linked visa revocations.

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First Published: Apr 26 2024 | 2:52 PM IST

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