Europe Travel Insurance from India - Compare & Buy Online
Whether you're visiting Europe for tourism, business, or a work visa, get the best travel insurance for Europe from India in minutes. Covers medical emergencies, trip cancellations, baggage loss and more.
Why Buy Travel Insurance for Europe from India?
Protect your Europe trip with plans from India's most trusted insurers - better rates, local support, and wider coverage than buying abroad. Schengen countries mandate travel insurance for visa applicants, making it essential for every Indian traveller.
Buying travel insurance in India ensures coverage from the moment you depart and offers a wider selection of plans at lower premiums.
Top Europe Travel Insurance for 2026- Compare & Buy
Compare the best travel insurance plans for Europe from India for individuals and senior citizens. These plans cover medical emergencies, baggage loss, passport loss, and more.
Bajaj General
IndusInd
Tata AIG
Care (Religare)
Which is the Cheapest Travel Insurance for Europe Schengen Visa From India?
The cheapest travel insurance from India to Europe on eindiainsurance starts at only ₹19 per day from Bajaj General Insurance. Please compare Europe travel insurance plans based on your trip duration and coverage needs - the insurers offer the most comprehensive travel insurance satisfying Schengen visa requirements.
How Much Does Travel Medical Insurance Cost for Europe?
Europe Schengen visa travel insurance cost starts from ₹908 for 30 days. Some of the best travel insurance from India to Europe listed below meet the Schengen visa requirements and are widely recognized by embassies and consulates.
| Insurance Company | Policy Maximum | Age 35 | Age 55 | Age 65 | Age 75 | Age 85 |
|---|---|---|---|---|---|---|
| Bajaj General Insurance | $50,000 | ₹908 | ₹1,050 | ₹2,288 | ₹4,262 | ₹7,111 |
| Care (Religare) | $50,000 | ₹992 | ₹1,350 | ₹2,699 | ₹4,003 | ₹8,693 |
| TATA AIG | $50,000 | ₹1,305 | ₹1,574 | ₹2,910 | ₹5,731 | ₹13,410 |
| IndusInd (earlier Reliance General) | $50,000 | ₹1,027 | ₹1,173 | ₹2,058 | ₹2,058 | ₹6,482 |
| Royal Sundaram | $50,000 | ₹1,163 | ₹1,366 | ₹3,025 | ₹5,475 | ₹9,536 |
How To Buy Europe Travel Insurance Online?
Is India to Europe travel insurance Mandatory?
Travel insurance is mandatory for Indian citizens applying for a Schengen visa to any of the 27 Schengen member countries in Europe. Consulates require all visa applicants to submit a valid travel insurance policy covering the full duration of stay across the Schengen area, with a minimum medical coverage of €30,000. Indian travellers to Europe are strongly recommended to buy a comprehensive travel insurance policy that covers emergency medical expenses, hospitalization, medical evacuation, and repatriation while outside India. This secures you financially in case of any accident or medical emergency and provides peace of mind throughout the journey.
Medical Insurance in Europe for Foreigners
Most European countries do not offer free public healthcare to foreign visitors. Indian travellers, including those on tourist, business, or work visas, must carry their own medical insurance to access treatment at hospitals across the continent. Private and university hospitals bill foreign patients directly, and costs for even a short hospital stay can run into several lakh rupees without a policy in place. A compliant plan should cover inpatient and outpatient treatment, ambulance transport, and medical evacuation back to India if required.
Travel Insurance for Europe Work Permit From India
A significant and growing segment of Europe's workforce includes Indian professionals working across sectors such as IT, pharmaceuticals, engineering, and finance. Cities across Germany, France, the Netherlands, and other Schengen countries host many Indian expats and skilled workers.
To work legally in Europe, one must hold a valid Work Visa or Work Permit issued by the respective country's immigration authority. Travel insurance is a mandatory requirement alongside all European work visa and permit applications.
- Frankfurt & Munich - Finance & tech districts
- Amsterdam & Eindhoven - Innovation & startup hubs
- Paris & Lyon - Business & commerce centres
A valid travel insurance policy is a mandatory requirement alongside these visa types when working in Europe.
Frequently Asked Questions About Europe Travel Insurance
Get clear answers to common queries before buying your travel insurance
Europe Travel Insurance Reviews
Schengen Visa vs Long-Stay Visa: Insurance Requirements Compared
Indian travellers can apply for either a Schengen short-stay visa (valid for tourism and business up to 90 days) or a national long-stay visa for work or study through VFS Global. Both routes require proof of travel insurance with a minimum of €30,000 medical coverage for the full trip duration, but processing times and accepted documentation formats differ slightly between the two - check your visa centre's current checklist before submitting.
Travel Insurance Pre-Existing Condition Cover for Europe
Standard Europe travel insurance plans exclude pre-existing conditions except in life-threatening emergencies. If you or a travelling family member has a known condition such as diabetes, hypertension, or a cardiac history, ask about a PED (pre-existing disease) add-on at the time of purchase - it cannot usually be added after the policy is issued.
What You Would Pay Without Insurance?
| Scenario | Estimated Cost in Europe | Covered by ₹908 Policy? |
|---|---|---|
| Emergency room visit | ₹15,000 - ₹40,000 | Yes |
| 3-day hospital stay | ₹3,00,000 - ₹8,00,000 | Yes, up to policy limit |
| Emergency medical evacuation | ₹10,00,000+ | Yes, up to policy limit |
Europe - At a Glance
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Multi-Country Rail Tours - Explore several European countries using extensive high-speed rail networks like Eurostar and TGV.
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River Cruises - Scenic cruises along the Rhine, Danube, or Seine offering views of castles and historic towns.
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Christmas Markets - Traditional festive markets across Germany, Austria, and France during the winter months.
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Museum & Gallery Tours - World-class art collections in the Louvre, Prado, Uffizi, and Rijksmuseum.
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Coastal & Island Getaways - Mediterranean beaches in Greece, Italy, Spain, and Croatia.
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French Pastries & Cheese - Croissants, macarons, and an extensive variety of regional cheeses.
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Italian Pasta & Pizza - Regional specialities from Naples pizza to fresh handmade pastas.
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Spanish Tapas & Paella - Small plates and saffron rice dishes enjoyed across Spain.
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German Sausages & Pretzels - Hearty classics enjoyed with local beers across Germany and Austria.
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Greek Mezze - Fresh salads, grilled meats, and dips popular across the Mediterranean.
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Europe is a diverse continent of 27 Schengen member countries, home to over 745 million residents and dozens of distinct cultures and languages.
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The continent has shaped world history through centuries of art, philosophy, science, and political movements, visible today in cities like Rome, Paris, Berlin, and Athens.
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As a global economic powerhouse, Europe's top industries include manufacturing, finance, tourism, technology, and automotive production.
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Major innovation hubs such as Berlin, Amsterdam, and Stockholm host thousands of technology startups and international research companies.
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Europe has an extensive, reliable public transport network - high-speed rail connects major cities across borders in just a few hours.
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A religiously and culturally diverse continent, Europe is home to thousands of historic churches, mosques, and synagogues, alongside a rich multicultural population.
Must-Visit Attractions in Europe
What Does Europe Travel Insurance Cover?
A comprehensive plan from India protects you across all these key areas during your Europe stay.Medical Coverage
Hospitalization, doctor consultations, and emergency treatments. Cashless coverage up to $500,000 at top hospitals across Europe.
Trip Protection
Reimbursement for cancellations, interruptions, or delays due to unforeseen events like illness or weather disruptions.
Baggage & Belongings
Compensation for lost, stolen, or delayed baggage and personal items throughout your Europe journey.
Passport Loss Assistance
Support and reimbursement for loss of important travel documents including passport while abroad.
Personal Liability
Protection against legal liabilities that may arise during your trip - covering third-party claims and damages.
COVID-19 Coverage
Optional COVID cover adds an extra layer of safety for medical emergencies related to COVID-19 during travel.
Why Choose EIndiaInsurance for Europe Travel Insurance?
Travel insurance from IRDAI-registered insurers is one of the most important financial protections for international travellers, offering immediate assistance and peace of mind during hospitalization, emergency medical treatment, and other travel-related emergencies abroad. Compare free quotes and buy your travel insurance plan online in just minutes.
What Europe Travel Insurance Covers & Excludes?
A standard plan from India – key protections and limitations you must know before departure.
Quick Facts Every Indian Traveller Should Know About Europe
Essential facts every Indian traveller should know before flying to Europe.
Europe Schengen Visa Procedure for Indians
Indian citizens must apply for a Schengen visa through the relevant country's consulate or an authorized visa centre before travel.
How to File a Travel Insurance Claim in Europe?
Step-by-step guide from emergency treatment to final reimbursement settlement. Learn More...
Emergency Contacts in Europe for Indian Travellers
Europe Schengen Visa Rejection Stories
Real Experiences from Indian Travellers
Every year thousands of Indian travellers plan trips to Europe for tourism, cultural experiences, and business visits. Many complete bookings for flights and hotels well in advance. However, even a small mismatch in travel insurance coverage, financial proof, or documentation can lead to visa rejection. For Schengen visa applicants, such issues can turn a well-planned trip into a costly and frustrating experience.
Suresh from Bengaluru applied for a Schengen visa with a travel insurance policy that had only €20,000 medical coverage. The Schengen requirement is a minimum of €30,000, and his application was rejected outright. He had to re-purchase a compliant policy and reapply, losing three weeks and additional visa fees.
lightbulb Lesson: Always ensure your travel insurance provides a minimum of €30,000 medical coverage for Schengen visa applications.
Mrs. Sharma from Delhi applied for a 15-day multi-country Europe trip but submitted a travel insurance policy valid for only 10 days. The consulate rejected her application because the insurance coverage did not match the full trip duration, including buffer days required by the Schengen guidelines.
lightbulb Insurance validity must cover the entire stay duration plus a few buffer days as per Schengen visa requirements.
A traveller from Mumbai applied for a Schengen visa using an Asia-only travel insurance plan, which did not cover the Schengen zone. The visa application was refused as the insurance was deemed non-compliant with Schengen visa requirements, leading to a cancelled trip and loss of hotel booking deposits.
lightbulb Always select a Worldwide or Schengen-compliant plan that explicitly covers Europe for visa compliance.
These situations are common - but completely avoidable with the right travel insurance and documentation.
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