Travel insurance is not just recommended — it’s mandatory for all Schengen Visa applications.
This guide explains everything you need to know:
✔ Why insurance is required
✔ What coverage is needed
✔ Best providers for Indians
✔ Costs & premiums
✔ How to buy it easily
✔ FAQs every traveler should know
📌 Why Schengen Travel Insurance is Mandatory
When you apply for a Schengen Visa, one of the non-negotiable requirements is:
➡ A travel insurance policy that:
✔ Covers all Schengen countries
✔ Has a minimum coverage of €30,000
✔ Includes emergency medical and repatriation expenses
Without this — your Schengen Visa application may be rejected.
🧾 What Schengen Travel Insurance Must Include
Your policy must have:
✔ Medical coverage (€30,000 min.)
✔ Emergency evacuation & repatriation
✔ Coverage for the entire duration of your trip
✔ Valid in all Schengen member countries
Some policies also include:
✔ Trip cancellation
✔ Baggage loss
✔ Travel delay
✔ Personal liability
🏆 Top Travel Insurance Options for Schengen Visa (Indians)
Below are the best insurance plans Indians can buy for Schengen trips:
🥇 1. Tata AIG Schengen Travel Insurance
Best overall for Schengen Visa
🔹 Accepted by all Schengen embassies
🔹 Medical, evacuation & repatriation cover
🔹 24/7 global assistance
Pros
✔ Reliable claim support
✔ Strong network abroad
✔ Cover meets visa requirements
Typical Cost: ₹800–₹2,500 (depends on trip length)
🥈 2. ICICI Lombard Travel Insurance
Great option for families and long trips.
Features
✔ Schengen-compliant coverage
✔ Baggage delay and loss options
✔ Trip cancellation support
Pros
✔ Good claim assistance
✔ Wide global partner network
Cost: ₹900–₹2,800
🥉 3. Bajaj Allianz Travel Insurance
A solid choice with add-ons.
Features
✔ Schengen medical + evacuation
✔ Add-ons like passport loss
✔ Travel inconvenience cover
Good for:
Travelers looking for extras beyond basic coverage.
Cost: ₹900–₹3,000
💡 4. Care Health Travel Insurance
Budget-friendly for short stays.
✔ Covers mandatory Schengen requirements
✔ Lower premium for young travelers
Best for: Solo or budget trips
Cost: ₹700–₹1,800
💼 5. Reliance Travel Insurance
Simple online process + good value.
✔ Schengen Visa approved coverage
✔ Emergency support services
Best for: Travelers who want quick purchase
Cost: ₹800–₹2,200
💰 Approximate Cost of Schengen Travel Insurance (2026)
| Trip Length | Typical Premium (INR) |
|---|---|
| 7–10 days | ₹800 – ₹1,800 |
| 11–20 days | ₹1,500 – ₹3,000 |
| 21–30 days | ₹2,500 – ₹4,500 |
Prices vary based on:
✔ Age of traveler
✔ Duration
✔ Add-ons selected
✔ Coverage limits
🧠 What Schengen Insurance Covers
Mandatory coverage:
✔ Emergency medical
✔ Hospitalization abroad
✔ Ambulance & evacuation
✔ Repatriation to India
Optional add-ons (valuable):
✔ Trip cancellation
✔ Lost baggage
✔ Passport loss
✔ Travel delay
✔ Personal liability
🛒 When Should You Buy It?
Buy your insurance:
📍 Before submitting the Schengen Visa application
📍 To match your visa dates exactly
📍 At least 2–3 weeks before travel
Ensure the policy is valid for full trip dates — not just visa dates.
❓ Frequently Asked Questions (FAQ)
Q1. Is travel insurance mandatory for Schengen Visa?
✅ Yes — every Schengen embassy requires it.
Q2. What is the minimum coverage needed?
✔ €30,000 minimum covering medical + evacuation.
Q3. Can I use my existing health policy?
❌ No — it must be a travel insurance policy with specific Schengen coverage.
Q4. Does travel insurance cover COVID-19?
Many plans include it — check the policy wording before buying.
Q5. Can I buy it after visa approval?
Yes — just make sure it covers the full trip duration.
Related Visa Guides
➡ Dubai Visa for Indians (2026)
➡ schengen visa for Indian (2026)
➡ Japan Visa for Indians (2026)
Related Travel Essentials
➡ Baggage Allowance Guide for Indian (2026)
➡ Currency Exchange Guide for Indians (2026)
➡ Forex Card vs Credit Card (2026)
📌 Disclaimer
This guide is for informational purposes only. Insurance details and coverage may vary by policy and provider. Always read the policy wordings carefully before purchasing.