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Home / Travel Insurance / Travel Insurance for Schengen VISA from India

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.

What is Travel Insurance for Schengen VISA?

The Schengen area comprises 29 countries (25 EU member states & 4 non-EU nations), including Austria, Hungary, Spain, France, Greece, Portugal, Sweden, Iceland, Norway, etc. In order to visit any of these countries, you will need to apply for a Schengen visa, and one of the main prerequisites for its application is a valid travel medical insurance with at least €30,000 of coverage.

This is where the travel insurance for a Schengen visa comes into action. It is a travel insurance policy that complies with the Schengen visa requirement. It offers optimal coverage for unexpected expenses arising from medical emergencies, journey-related hassles and baggage-related inconveniences that may occur while you are on your Schengen trip. The travel insurance for a Schengen visa is valid throughout the entire region, regardless of whether you visit one or multiple countries. It keeps you financially secure and lets you seamlessly handle situations like flight delays, trip cancellations, emergency hospitalisation, loss of checked-in baggage, and other travel hiccups. Besides being mandatory for visa purposes, its coverage benefits make it a solid companion to have on your Schengen trip.

Did you know?
Traveling from India to Schengen countries? Travel insurance is mandatory for your visa application.

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Why do you need Travel Insurance for Schengen Visa?

Reasons	Explanation
Schengen Trip Disruption Cover	Travel insurance for Schengen visa helps recover costs if your trip is disrupted.
Legal Protection Abroad	Travel insurance supports legal claims during your Schengen trip, per visa rules
Peace of Mind for Visa Travelers	With Schengen visa travel insurance, you’re protected and can enjoy your trip worry-free.
24/7 Emergency Support	Insurance offer round the clock help for Schengen Visa travelers facing any urgent issues.
Mandatory Visa Requirement	Travel insurance is compulsory for getting a Schengen visa—no insurance, no visa!
Visa Success Guarantee	The right travel insurance meets Schengen visa requirements, boosting approval chances
Healthcare Coverage During Travel	Travel insurance for Schengen visa pays medical bills if you fall sick on your trip.

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.

A Schengen travel insurance plan that protects you from takeoff to return.

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Which are the Schengen Countries in 2025?

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.

Sr. No.	Country	Details
1.	Austria	A picturesque destination known for its rich history and stunning landscapes. Whether you’re exploring Vienna or the Alps, having travel insurance for Austria ensures a worry-free experience.
2.	Belgium	Famous for its medieval towns, vibrant cities like Brussels, and delectable chocolates. Explore it all stress-free with travel insurance for Belgium.
3.	Czech Republic	Home to Prague, a city of stunning architecture and old-world charm. For peace of mind on your journey, consider travel insurance for Czech Republic.
4.	Denmark	Known for Viking tales, fairy-tale castles, and Copenhagen’s charm. Stay protected with travel insurance for Denmark on your Nordic adventure.
5.	Estonia	A Baltic gem with medieval allure and scenic beauty. Enjoy every moment by opting for travel insurance for Estonia.
6.	Finland	A land of Northern Lights, lakes, and design-forward cities. Discover it worry-free with travel insurance for Finland.
7.	France	From the Eiffel Tower to the Riviera, France dazzles with culture and style. Secure your trip with travel insurance for France.
8.	Germany	A country of castles, beer gardens, and Berlin’s buzz. Safeguard your plans with travel insurance for Germany.
9.	Greece	Step into ancient history and Aegean beauty in Greece. Enjoy your trip without worry with travel insurance for Greece.
10.	Hungary	Thermal spas and the charm of Budapest await. Travel smart with travel insurance for Hungary.
11.	Italy	From Rome’s ruins to Tuscany’s wine country, Italy is irresistible. Make memories with peace of mind using travel insurance for Italy.
12.	Latvia	A Baltic beauty blending culture and nature. Travel smoothly with travel insurance for Latvia.
13.	Lithuania	Historic towns, baroque architecture, and Baltic serenity. Explore confidently with travel insurance for Lithuania.
14.	Luxembourg	A small country full of historic charm and natural trails. Enjoy every stop with travel insurance for Luxembourg.
15.	Liechtenstein	Tiny but mighty in beauty and mountain views. Wander freely with travel insurance for Liechtenstein.
16.	Malta	Golden shores, ancient ruins, and vibrant local life. Travel covered with travel insurance for Malta.
17.	Netherlands	Cycle through tulips, canals, and culture in Amsterdam and beyond. Ensure your journey is smooth with travel insurance for Netherlands.
18.	Norway	Famous for fjords, glaciers, and Arctic wonders. Travel carefree with travel insurance for Norway.
19.	Poland	Rich in history, hearty food, and architectural gems. Make your visit stress-free with travel insurance for Poland.
20.	Portugal	Sun-soaked coasts, soulful fado, and charming cities await. Stay protected with travel insurance for Portugal.
21.	Slovakia	Castles, mountains, and medieval towns enchant in Slovakia. Travel with confidence using travel insurance for Slovakia.
22.	Slovenia	From Lake Bled to alpine trails, Slovenia is a nature lover’s dream. Make the most of it with travel insurance for Slovenia.
23.	Spain	Tapas, flamenco, beaches, and bustling cities. Roam freely with travel insurance for Spain.
24.	Sweden	Where sleek design meets natural beauty and the Northern Lights. Explore safely with travel insurance for Sweden.
25.	Switzerland	Alpine adventures, scenic rail rides, and Swiss precision. Travel seamlessly with travel insurance for Switzerland.

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.

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.

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Types of Schengen Visas

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

Types of Visas	Specification
Limited Territorial Validity Visas (LTV)	These visas allow entry only into specific Schengen countries, not the entire Schengen Area, typically granted due to exceptional circumstances or urgent humanitarian reasons.
Uniform Schengen Visa (USV)	This visa permits short-term stays for tourism, business, or family visits within the Schengen countries for up to 90 days within a 180-day period. It's categorised into three subtypes: • Type A: Airport Transit Visa for travellers passing through Schengen airports without entering the Schengen Area. • Type B: Transit Visa for travellers crossing Schengen territories by land or sea. • Type C: Regular Short-Stay Visa for tourism, business, or visiting family/friends.
Multiple Entry Visa	Enables travellers to enter and exit the Schengen Area multiple times over a specified period. Ideal for frequent travellers for business or those requiring continuous entry into Schengen states.
National Visas	Issued by individual Schengen states for long-term stays exceeding 90 days. They're tailored for purposes like work, study, family reunification, or other specific reasons within a particular country.
Visa for Official Visits	Granted to individuals travelling on official duties or representing a government authority within the Schengen countries.

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.

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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.

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.

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What Does The Schengen Travel Insurance Policy Cover?

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

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.

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.

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How to Buy Travel Insurance for Schengen Visa Online?

• Click here link, or visit the HDFC ERGO travel insurance webpage to BUY our policy.

• Enter traveler details, destination information, and trip start and end dates.

• Choose your preferred plan from our three tailored options.

• Provide your personal details.

• Fill in additional details about the travelers and proceed to pay using online payment methods.

• All that's left to do is- download your policy instantly!

How Do You Claim Travel Insurance for Schengen

Claiming Schengen visa insurance is an easy 4 step process. You can make travel insurance claim online on a cashless as well as reimbursement basis.

Cashless Claim
Reimbursement Claim

Intimation

Intimate claim to travelclaims@hdfcergo.com / medical.services@allianz.com and get a list of network hospitals from TPA.

Checklist

travelclaims@hdfcergo.com will share the checklist of documents required for cashless claims.

Mail Documents

Send the cashless claim documents and policy details to our TPA partner- Allianz Global Assistance, at medical.services@allianz.com.

Processing

Our concerned team will contact you within 24 hours for the further cashless claim process as per policy terms & conditions.

Intimation

Intimate claim to travelclaims@hdfcergo.com and get a list of network hospitals from TPA.

Checklist

travelclaims@hdfcergo.com will share the checklist of documents required for reimbursement claims.

Mail Documents

Send all required documents to travelclaims@hdfcergo.com for reimbursement as per the Checklist

Processing

Upon receipt of complete documents, the claim will be registered and processed within 7 days as per policy terms & conditions.

Searching for affordable travel insurance for Schengen Visa? Get quotes for your favourite plan in just a few clicks!

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Best Time to Visit Schengen Countries

Season	Months	Best Schengen Countries to Visit
Spring	March to June	France, Netherlands, Austria, Czech Republic and Ireland
Summer	June to August	Italy, Spain, Greece, Portugal and Croatia
Autumn	September to November	Germany, Switzerland, Slovenia, and Hungary
Winter	December to February	Finland, Sweden, Austria, Switzerland, Norway and Iceland

How to Plan Your Schengen Itinerary

When planning your Schengen trip, a well-drafted itinerary can strengthen your visa application and help you make the most of your time across Europe. Here are some important points to keep in mind:

Decide Your Entry and Exit Points

Begin by identifying the country you’ll enter first and where your trip will end. If you’re visiting multiple countries, make sure your entry and exit points are logically placed to avoid unnecessary back-and-forth travel.

Choose Your Main Stay Country

For visa purposes, you must apply through the country where you will spend the maximum number of days. If your stay is split evenly, apply through the country you enter first.

Finalize the Countries and Duration

List the countries you wish to visit and decide how many days to spend in each. Keep travel time in mind and avoid squeezing in too many places, especially if you’re on a short trip.

Plan Your Route Logically

Create a travel route that flows smoothly from one destination to the next. Use maps and train schedules to help plan cities that are well-connected, either by road, rail, or air.

Pre-book Accommodation and Intercity Travel

Most Schengen embassies require proof of stay and intercity movement. Book your hotels and trains or flights in advance and keep digital or printed confirmations handy.

Include Some Flexibility

While a solid structure is key, try to keep one or two days flexible to account for changes in weather, delays, or last-minute plans. Finally, don’t forget that Schengen travel insurance must cover your entire trip duration and comply with Schengen requirements of medical coverage.

Money Saving Tips for Schengen Countries

Travelling across the Schengen region can be budget-friendly if you plan wisely. Here’s how to keep your expenses in check, without compromising on the experience:

Book Smart with Flights and Accommodations

Use fare comparison platforms to find the best flight deals, ideally booking two to six months in advance. Choose affordable stays like hostels, Airbnbs or self-catering apartments, which let you save on both stay and meals.

Make the Most of Public Transport and Travel Passes

Skip taxis and use local trains, metros and buses which are cheaper and well-connected. Travel passes for cities or regions can offer unlimited rides and add great value to your journey.

Be Strategic About Handling Money

Avoid airport currency exchanges and instead use local ATMs or prepaid forex cards for better rates. Carry a combination of cash and international debit or credit cards with low or no foreign transaction fees.

Eat Smart Without Compromising on Flavour

Visit neighborhood markets and cook when your stay allows. Street food, bakeries and local cafes not only offer authentic flavours but are also lighter on the wallet compared to tourist restaurants.

Seek Out Free and Discounted Experiences

Many cities in the Schengen zone offer free walking tours, open parks and museums with free entry days. City passes also combine transportation with entry to top sights, offering convenience and savings.

Pick the Right Travel Insurance Plan

Choose a policy that meets visa requirements while fitting your travel needs and budget. Schengen travel insurance ensures you’re covered for medical emergencies, trip delays and other unplanned expenses that could disrupt your trip.

Explore Schengen countries with ease knowing your travel policy has you covered. .

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Must‑Visit Destinations in Schengen Countries

These iconic sights and hidden gems across the Schengen zone promise unforgettable experiences and something for every kind of traveller.

Paris, France offers timeless romance with landmarks like the Eiffel Tower and Montmartre, along with world-class museums such as the Louvre.

2. Rome and Venice, Italy invite you to walk through centuries of history with the Colosseum, Vatican City, canals, and Renaissance architecture.

3. Barcelona, Spain blends Gaudí’s architectural wonders with beachside charm, tapas culture, and a vibrant local energy.

4. Prague, Czechia feels like a fairytale with its castle views, cobbled streets, and the magical atmosphere of Old Town Square.

5. Amsterdam, Netherlands is best explored by boat or bike, with its charming canals, famous art museums, and relaxed vibe.

6. Lisbon and Porto, Portugal enchant with colorful streets, scenic riverfronts, and nearby gems like Sintra and Tomar.

7. Vienna and Hallstatt, Austria combine imperial grandeur, classical music, and the serene beauty of alpine villages by the lake.

8. Swiss Alps, Switzerland are a haven for nature lovers, offering jaw-dropping mountain views, glacier hikes, and iconic train rides.

9. Dubrovnik and Split, Croatia boasts ancient walled towns, clear blue seas, and a Mediterranean coastline full of character.

10. Budapest, Hungary delights with thermal baths, dramatic architecture, and its famous ruin pubs along the Danube

Whether you’re chasing culture, history, adventure, or simply beautiful views, these Schengen destinations know how to deliver. Just remember to travel with Schengen travel insurance in place so you’re covered against unexpected delays, emergencies, or medical costs.

Things to Do in Schengen Countries

Explore the Schengen area with these unforgettable experiences:

• Admire Iconic Landmarks: Visit the Eiffel Tower in Paris, Rome’s Colosseum, and Germany’s Neuschwanstein Castle for breathtaking architecture and history .

• Explore Historic Sites: Discover ancient ruins like the Acropolis in Greece or visit Mont Saint-Michel in France for a mix of history and scenic beauty. Ensure you have travel insurance for Schengen visa requirements to cover any unforeseen issues during your explorations .

• Cruise through Nature: Experience Norway’s majestic fjords or Austria’s Alpine landscapes with scenic hikes and boat tours .

• Dive into Culture: Tour Barcelona’s Sagrada Familia or Vienna’s MuseumsQuartier to explore art and culture .

• Indulge in Culinary Delights: Savor authentic Belgian chocolates, Swiss fondue, or Italian pasta while exploring diverse cuisines. Don’t forget travel medical insurance for Schengen visa compliance, which is essential for a safe and worry-free trip .

• Romantic Escapes: Enjoy a gondola ride in Venice or walk through the lush gardens of the Palace of Versailles .

• Winter Adventures: Visit the Swiss Alps for skiing or cozy up in picturesque towns like Hallstatt in Austria .

• Enjoy Coastal Retreats: Relax on the Amalfi Coast in Italy or take in the turquoise waters of the French Riviera during summer. These scenic destinations offer perfect backdrops for memorable vacations .

• Attend Festivals: Immerse yourself in events like Germany’s Oktoberfest or Spain’s La Tomatina, celebrating European culture and tradition.

Smart travellers trust Schengen insurance for peace of mind across Europe.

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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

List of Countries Where Travel Insurance is Mandatory

Schengen countries

France
Spain
Belgium
Austria
Italy
Sweden
Lithuania
Germany
the Netherlands
Poland
Finland
Norway
Malta
Portugal
Switzerland
Estonia
Denmark
Greece
Iceland
Slovakia
Czechia
Hungary
Latvia
Slovenia
Liechtenstein and Luxembourg

Other countries

Cuba
Ecuador
Iran
Turkey
Morocco
Thailand
UAE
Togo
Algeria
Romania
Croatia
Moldova
Georgia
Aruba
Cambodia
Lebanon
Seychelles
Antarctica

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.

8. Can you visit multiple countries on a single-entry Schengen visa?

Yes, visiting multiple countries within the Schengen Area in one trip is allowed, as internal borders are open. However, kindly notes at a single-entry Schengen visa permits you to enter the Schengen Area only once. Once you leave, you cannot re-enter, even if you have unused days.

9. What is the difference between a single and multiple-entry Schengen visa?

A single-entry Schengen visa allows one entry into the Schengen Area, and you must leave before it expires. A multiple-entry visa lets you enter and exit the Schengen Area multiple times within its validity, provided you adhere to the 90/180-day rule .

10. Who is eligible for a Schengen visa?

Citizens of non-EU countries whose nationals require visas to enter the Schengen Area are eligible. Applicants must demonstrate purpose of travel, sufficient funds, valid travel insurance for Schengen visa compliance, and intent to return to their home country .

11. What is the minimum travel insurance required for a Schengen visa?

Schengen visa applicants must have travel medical insurance covering at least €30,000. The insurance must be valid across all Schengen countries you plan to visit and cover medical emergencies, repatriation, and hospitalization .

12. How much time does it take to process a Schengen visa?

Processing typically takes 15 calendar days but may extend up to 45 days during busy periods or if additional documents are required. It’s recommended to apply at least 3-6 weeks before your planned travel date

13. Do children or elderly need separate travel insurance for Schengen Visa?

No, you can include children or elderly family members under family travel insurance for Schengen visa. Make sure their details are disclosed so they are covered appropriately.

14.Do I need to carry a physical copy of the travel insurance while traveling to Schengen countries?

It is recommended to keep a printed copy of your travel insurance for Schengen visa certificate during travel. This may be needed at border checks or in case of emergencies.

15.Do I need to buy insurance even for a short trip?

Yes, Schengen rules require travel insurance for Schengen visa, even for a brief visit. It must be valid for the entire trip duration and meet the set coverage requirements.

16.How do I claim medical expenses during my trip under Schengen insurance?

In case of illness or injury, contact the helpline provided with your travel insurance for Schengen visa immediately. Follow the instructions, keep receipts, and submit them for reimbursement.

18. Is travel insurance required for all types of Schengen visas tourist, business, family visit)?

Yes, every visa type requires Schengen travel insurance that meets the mandatory medical coverage and validity criteria.

17. Is travel insurance mandatory for a Schengen visa?

Yes, Schengen visa insurance is compulsory. It must cover for medical emergencies and be valid in all Schengen countries for your entire trip.

19. What happens if I enter multiple countries in Schengen? Do I need separate travel insurance policies?

No, one travel insurance policy for Schengen covers all Schengen countries for your trip’s duration. Separate policies are not required to enter multiple Schengen countries.

20. Will my Indian health insurance work in Schengen countries?

No, domestic policies are not valid. You need a dedicated travel medical insurance for Schengen visa that meets all coverage requirements.

21. Can I buy travel insurance for Schengen Visa from any provider?

Yes, you can purchase travel insurance for Schengen visa from any provider as long as it meets the coverage, validity, and trip duration criteria set by Schengen regulations.

22. Can I cancel my travel insurance if my Schengen visa is denied?

Yes, you can cancel travel insurance policy if your Schengen visa is denied.

23.How early should I purchase travel insurance before applying for a Schengen visa?

It is best to buy travel insurance for Schengen visa before submitting your visa application so the certificate can be attached.

24.Will travel insurance for Schengen countries cover visa rejection or trip cancellation?

Our travel insurance for Schengen visa plan offers to cover for trip cancellation, but visa rejection is not a part of standard coverage. Always check the policy details before buying.