Travel Insurance for Schengen Visa and Europe

What is Travel Insurance for Schengen Visa?

From Amsterdam to Italy, everyone has their bucket list for Europe trips. Europe promises an exciting experience, but things can go wrong anywhere. In between fun and exploration, if there's an emergency, they can be costly and challenging. Travel insurance for Schengen ensures that many such emergencies don't drain your finances. It is also mandatory for all non-EU visitors to Schengen countries. These countries allow entry once you meet all the requirements they set for the Schengen visa. This includes buying 30,000 Euro travel insurance for Schengen.

Travellers from India also need to buy travel insurance policy for Schengen visa. It can be for one or more countries in this zone. No matter the number of Schengen countries you want to visit, travel insurance Europe from India is mandatory. Europe travel insurance from India protects you from financial emergencies and ensures required medical coverage in Europe.

Travel Insurance for Schengen Visa: Fast Facts

Take a look at the table below to learn more about this plan's features:

Benefits of Travel Insurance for Schengen from India?

While travel medical insurance is necessary for a Schengen Visa, you must always prioritise your safety. You must consider buying travel insurance for Europe trip as an essential step, not a mere formality. While visiting an unknown country, you can face many contingencies that can ruin your budget. Some of the best benefits of Schengen travel health insurance include:

• Meets mandatory travel medical insurance requirements
• Provides comprehensive coverage for trip and flight-related emergencies
• Offers cashless hospitalisation in case of illness or injury-related treatments
• Provides personal liability
• Emergency Services like medical evacuation & repatriation
• Provides various type of Schengen travel insurance for individuals, families, senior citizens & corporate travellers

Having travel medical insurance for Schengen visa from India will protect you from such risks. Many risks may arise from flight delays to baggage loss and trip curtailments, but your travel health insurance Europe will cover them.

The 29 Countries of the Schengen Area

Travel insurance for Europe trips offers coverage in all 29 European countries in the Schengen area. Please note that not all European countries are part of the Schengen territories. Out of 44 European countries, only these countries comprise the Schengen state.

Many people have a misconception that all European countries need a Schengen visa. Another common misconception is that all Schengen countries are a part of the European Union. Both of these groups are different, and this can confuse many people. Travel health insurance Europe will be valid in all the nations of its zone.

Entry Essentials to Schengen Countries

Many nationalities, including Indians, must obtain a Schengen visa before travelling. This is because a Schengen visa on arrival isn't available. Other than travel insurance for Schengen countries, they may have additional entry requirements, so check their official websites for urgent updates.

You need travel insurance for Schengen from India with at least 30,000 EUR coverage to visit one or more Schengen countries. Be it tourism, business or medical treatment, you must have a Schengen visa to travel within these countries.

You must submit a Schengen visa application at least 15 days before the trip date. Most travel experts advise applying it at least 30 to 60 before your trip. In some cases, the consulate may ask for additional documents.

Compulsory Requirements for Schengen Travel Insurance from India

Having travel insurance for Europe trip will ensure your financial safety and peace of mind. Medical insurance for Schengen visa should meet the following criteria to obtain a valid visa:

1. Coverage of EUR 30,000

   Your travel medical insurance for Schengen visa from India should have a minimum coverage of 30,000 Euros.

2. Extent of Coverage

   It should cover any unforeseen medical emergencies, including medical illness, accidental injury and medical repatriation of remains.

3. Schengen Visa Insurance Validity

   Your travel health insurance Europe should be valid in all 29 member Schengen countries.

The coverage of your Europe travel insurance for Schengen visa will vary with the visa type. For example, there are also specific student travel insurance for Schengen visa.

What does the Schengen Travel Insurance Policy Cover?

Travel insurance for Schengen from India covers several things. Some of the common inclusions are as follows:

• Loss of checked-in baggage
• Delay of checked-in baggage
• Compassionate visit of a family member in case of hospitalisation
• Coverage for Medical Expenses
• Facility for emergency medical evacuation
• Repatriation of mortal remains to India
• Coverage for medical treatment continues in India
• Daily hospital allowances
• Dental treatment in an emergency
• Flight hijacking
• Delay of trip, cancellation and curtailment
• Missed connection of flight
• Loss of passport
• Accidental death & permanent/total disability
• Automatic extension of policy period in case of emergency trip extension
• Cover for home burglary

While most travel insurance for Schengen visa from India provides a minimum coverage of EUR 30,000, the exact benefits vary considerably. Go through their policy wordings and compare different plans before you buy Schengen travel insurance before your trip.

What Does the Schengen Travel Insurance Policy Not Cover?

Schengen travel insurance has many instances for which it will not provide any coverage. Some common exclusions under travel insurance for Schengen tourist visa are as follows:

• Pre-existing diseases
• Admission to the hospital for routine check-ups or diagnosis
• Medical expenses in case of pregnancy
• Medical costs in case of infertility and external congenital conditions
• At the time of purchasing the policy, a congenital anomaly known to the insured
• Non-allopathic medicines
• Plastic and cosmetic surgery
• Any kind of cost incurred in purchasing contact lens, spectacles, hearing aids, and corrective and cosmetic dental surgeries
• Any expenses incurred in substance abuse, self-inflicted injuries, STDs, and AIDS/HIV
• Loss or damage caused in war, terrorism, or civil war
• Loss or damage due to breach of law
• Loss or damage caused in hazardous sports

Some Schengen travel insurance policies also provide coverage for COVID-19 medical expenses. However, the COVID-19 insurance amount, as well as benefits, vary from insurer to insurer. So, check the documents properly while purchasing travel insurance for Schengen from India.

How to Choose Schengen Travel Visa Insurance for Europe?

Travelling to Europe is costly, and cutting costs can be difficult. However, having Schengen visa travel insurance for Europe is the first step in reducing unexpected expenses abroad. These can be the loss of a passport, accidentally damaging someone's property, etc. Here are some valuable tips for finding travel insurance for Europe from India:

• Compare different plans to find the cheapest travel insurance for Schengen visa from India. This can be done through Policybazaar.com, where several Schengen visa insurance by different travel insurers are available, budget wise.
• Shopping for travel insurance online for Schengen visa will save considerable money and time buying travel insurance for Europe. It can eliminate certain distribution costs.
• Watch out for sales and discounts on different sites; sometimes, the insurer may also offer discounts on the plan.
• If you're unsure about the cost of travel insurance for Schengen visa, you can easily find plan variants across different budgets. If the basic low-cost plans provide the necessary coverage, you don't need to opt for more expensive ones.
• Choose any add-ons carefully. For example, if you are not interested in adventure sports, there is no need to buy optional coverage.

How to Buy Travel Insurance for Schengen from India

Buying trip insurance for your Schengen visa is a short and straightforward process. This can be done in person or online. If you wish to buy it online, you can follow these steps to purchase the online Schengen travel insurance of your choice:

Step 1: Visit Policybazaar.com and head to the ‘Travel Insurance' section from the drop-down menu.

Step 2: On the given form, look for the ‘Schengen Countries' icon on the screen. Select the Schengen destination(s). Click on the 'Continue' button.

Step 3: Select trip duration on the calendar. Click on 'Continue' to proceed.

Step 4: Select the total number of people travelling and the required traveller details (age). Depending on your group size, you can add more people.

Step 5: Declare if you have any pre-existing medical conditions. Select 'No' if you don't have any.

Step 6: Enter your mobile number and click 'View Plans'.

Step 7: Select the plan of your choice and buy it as per the desired payment method.

Why Buy from Policybazaar.com?

Buying from us

• Compare multiple policies on the go
• All the policies are visa compliant, meeting Schengen visa requirements
• Find the cheapest travel insurance for Schengen Visa
• Get your policy within minutes
• Claim Assistance throughout Globe

How Do You Claim Travel Insurance for Schengen?

If unfortunately, you end up in a problematic situation while exploring the Schengen region, then you can raise a claim under your Schengen travel insurance policy. You can do this through Policybazaar Claim Support or by reaching out to your insurer. Here are the steps to raise a travel insurance claim for Schengen visa:

• Head to the Claims page of Policybazaar.com
• Select ‘Travel Insurance' from the list of products
• You will be directed to the ‘Request Claim Assistance' form
• Select the insurer you have purchased your policy from
• You will see their respective helpline details, including contact numbers and email

You must inform your insurer within 30 days of your trip. In case of medical emergencies abroad, most travel insurance policies provide a cashless hospitalisation facility. Your insurer will guide you through the process and help you get the necessary treatment.

Documents Required for Schengen Travel Insurance

Buying a policy requires considerable paperwork. Here are some general documents necessary for buying and later raising claims under Schengen travel insurance policies:

1. Documents Required to Buy Travel Insurance for Schengen Visa

   All Indian citizens who wish to travel to the Schengen region must buy travel insurance for Schengen. The following documents are necessary:

   • Passport number of travellers
   • ID proof like PAN or other government-issued documents for proposal form

   KYC for Europe travel insurance from India is required before purchase, so keep these documents ready before you start filling out the form. You must also have your travel dates and destination for the proposal form.

2. Documents to Raise Claim under Travel Insurance for Schengen Visa

   To raise a claim under your Schengen travel insurance policy, you will need some documents. Here is an exhaustive list of documents that you will be asked to provide depending on your emergency:

   • FIR or police report for criminal cases
   • Identity Proof
   • Copy of your passport with immigration stamps
   • Completed claim forms
   • Copy of your Original Policy
   • Original bills and receipts

   You may be asked to provide all of these or more documents depending on your claim.

Transportation in Schengen Countries

Travelling within Schengen Countries and throughout Europe is quite convenient and affordable. All the countries have a vast network of buses, trains, planes, and rideshares. Within the Schengen zone, you can cross borders without passing passport control checks in each country.

1. Trains

   The best and cheapest way to travel in most Schengen countries is by train. Belgium, Italy, Netherlands, Switzerland, etc., are famous for scenic train rides. Antwerp, Ghent, and Bruges are great destinations for a day trip from Brussels and are accessible by train in under or around one hour. While travelling in Greece, trains and ferries are the best for exploring comfortably on a budget.

2. Buses

   Buses are the most convenient transport in Hungary, the Czech Republic, and Austria. While in Germany, flights, buses, and trains make sense depending on the traveller's budget.

3. Bikes

   Most people take a bike to travel through individual cities in the Netherlands. Even Portugal and Spain are well-connected by trains and buses. Most tourists can get through different cities most conveniently and cost-effectively.

Getting sick here would undoubtedly cost more than how much a Schengen travel insurance costs. To ensure safety, buy the best Schengen travel insurance from India. Whether visiting Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, and other Schengen cities, galore options exist. Simply enjoy the experience and travel carefree with travel health insurance Europe.

Eating Out in Schengen Countries

From Michelin-star restaurants to street foods, a wide variety of food options are available in the Schengen region.

• Palermo is a Michelin-star restaurant in Italy, and Naples has some of the best Pizzas.
• Try Girona, Arzak, and Mart'n Berasategui for some of the best Spanish and a variety of cuisines
• In Prague (Czech Republic), try having lunch at Karlin and experience the best fine dining at La Degustation
• San Sebastian in Spain is another food paradise. Some popular restaurants are Mugaritz, Akellare, and Martín Berasategui.

Every Schengen country has something distinctive about their cuisine. Though we have highlighted some great options, don't forget to check with the locals for some of the best eating-out joints.

Money-Saving Tips in Schengen Countries

Timely and careful planning can help save a lot of money during your Schengen trip. But there are various other ways to save money when travelling to Europe:

1. Save Money by Rail

   To save on transportation costs, consider travelling by rail. Booking it in advance can save a massive amount of money and even get great discounts and deals.

2. Buy Train Pass

   You can purchase a Eurail pass that can last three months and is available to locals and tourists.

3. Book Tickets in Advance

   Buy tickets in advance, as overnight or high-speed trains may not be available due to high demand. You should also track winter and summer timetables for trains and tourist attractions.

4. Avail Free Wi-Fi Connectivity

   Visitors can access free Wi-Fi everywhere and stay connected without spending a penny.

5. Avoid Museum Fees

   Those on a budget can visit museums that do not require a fee. There are particular days when museum entry is free of cost. Check the days and plan the visit accordingly to save money.

Europe is considerably costly for many Indians, and you must be mentally prepared. There's a lot to account for from food, stay, travel and health care. Keeping that in mind, make sure to buy Schengen travel insurance from India that provides sufficient coverage.

Even though it's mandatory, you must try to buy travel insurance for Schengen visa from India. Instead, spend some time to find the right possible option among available Europe travel insurance from India.