Travel Insurance for a One-Week Europe Trip

Posted on: Jun 25, 2025 | 3 min | Written by: HDFC ERGO Team

Travel Insurance for a One-Week Europe Trip

Everyone who travels abroad requires travel insurance, whether for one month or one week. Some countries won't even issue a visa if you do not have a valid travel insurance policy. The European countries, including all the Schengen nations, have this requirement, so you will need insurance coverage even if you are going for a week-long trip to Europe. Apart from helping you get the visa, a travel insurance cover also offers many invaluable benefits. Find out about them in the article below.

Visa requirements

As stated above, you need to have travel insurance when you start your visa application process. This is applicable for Schengen visas, UK visas and visas to other European nations like Russia. Hence, you cannot travel to Europe from India unless you have suitable travel insurance.

Thankfully, the best travel insurance for India and Indians is easily available these days. There are multiple options, and anyone visiting Europe can easily find a suitable policy. Get the coverage you need, and that will help you to get the visa for your week-long European trip easily. You will need a visa whether you go on a work trip or for a vacation.

Travelling to Europe can be a great idea, but being prepared and protected always helps. Get travel insurance, and you will not face any issues.

Why is travel insurance needed when you travel to Europe for one week?

Travel insurance is needed even for a 7-day stay in Europe to avoid many problems, such as:

1. Luggage loss

The loss of your bags can be a very distressing affair. You have everything in your luggage, from your clothes to your gadgets. This is why you find yourself in a soup when the bags are gone after you land at your destination. If you happen to be in Europe, empty-handed, it can be very inconvenient, because not only is everything super expensive, but it is also hard to find what you need. This is why you need a very good travel insurance cover. Your insurance provider will compensate you for the losses. You can then use the claim amount to replace your things, without having to worry about the price tag. You can quickly get this done and resume with your itinerary.

2. Missed flights

A missed flight can hamper your travel plans, especially when you barely have seven days in hand. Additionally, rebooking a flight at the last minute is quite costly as well. These are challenges that many tourists travelling to Europe face if they miss even one flight on their trip. Whether you miss a connecting flight due to airline delays or you miss one due to unexpected traffic on the way to the airport, you can get tickets on the next available plane on the same route with the help of travel insurance. This will allow you to carry on with your journey without too many challenges, and you can also keep your money protected.

3. Accommodation

Many people who go on short trips to Europe often stay with friends or at company-provided accommodation. But imagine you show up at your friend’s apartment or the company guest house and see that the place is flooded due to a plumbing issue. There is no way you can stay there, and you will have to look for a hotel room. This can be troublesome as last-minute bookings are difficult and expensive. However, with the support of your overseas travel insurance policy, you can easily work your way around this problem. Book the hotel room, and the insurance provider will compensate you for the extra cost.

4. Health problems

Health problems can show up at any time, especially medical emergencies. You can suddenly start experiencing chest pain or have a bad fall, leading to a broken bone. Such things cannot be predicted, but they can strike at any time, even on your week-long trip to Europe. You need to have travel insurance in place, as travel insurance also offers health coverage. Medical expenses are extremely high in Europe, and you can't afford them unless you have insurance. So, think ahead, be wise and cover your health with the help of the best travel insurance policy for Europe.

5. Loss of passport

Can you imagine losing your passport in a strict European city like London or Paris? It can be a harrowing experience, but you can find a solution if you have travel insurance. One of the most important covers of travel insurance is the loss of passport cover. If you happen to misplace your passport or it gets stolen with your belongings, you can call your insurance provider and tell them about it. They will arrange for a duplicate or temporary copy of your passport, which you can use for your flight back to India.

Tips to find the best travel insurance for Indians travelling to Europe

Travel insurance is unavoidable when you go to Europe. Here are some guidelines to help you find the best policy:

1. Assess your needs

Start by assessing your needs. See what kind of coverage you need. Keep your travel requirements and your health conditions in mind when making the decision. Also, keep an eye on your budget as you need to find a policy with an affordable budget. You may also consider getting a multi-trip travel insurance plan if you often go on short tours to Europe.

2. Check out your existing covers.

Whether you have an existing multi-trip travel insurance plan or you have a global medical insurance for travel, you need to be aware of the coverage you already have. This will help you find the most suitable travel insurance plan for your upcoming tour to Europe. Do not get extra insurance, as that will become a financial liability for you.

3. Opt for a good insurer.

Do not approach travel insurance as a mere formality that you need to get your visa. This is the wrong approach, as by doing so, you may end up buying the cheapest option from an unreliable insurance provider. Do your research and find a good insurer who will pay you the claim amount when needed and also assist you at all times. This is a very crucial requirement that you must not ignore.

Conclusion

It is crucial to be well-covered under the best travel insurance plan when going on a tour to Europe, irrespective of your trip duration. Now that you know how important it is to get the best travel insurance policy, go ahead and find the most suitable cover for yourself. Once you have the plan in place, start applying for your visa. Get all the formalities done and get set to enjoy a lovely week in Europe with all the mental peace you need.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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