Schengen Travel Insurance
Schengen visa rules are explicit: no insurance certificate, no visa. Every plan here meets the €30,000 medical minimum and covers all 29 Schengen states for your full stay.
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Why it matters
- Article 15 of the Schengen Visa Code makes travel medical insurance a legal precondition — consulates refuse applications without a compliant certificate.
- The certificate must cover the entire Schengen area for the whole stay, including medical evacuation and repatriation of remains.
- Real European hospital bills routinely exceed the €30,000 floor — plans here start at $50,000 for exactly that reason.
7 plans built for this
Tata AIG General Insurance
Tata AIG Travel Guard Silver
India’s bestselling starter tier for Asia and Europe holidays.
$50,000 medical cover →
ICICI Lombard
ICICI Lombard International Travel Gold
Balanced worldwide cover from India’s largest private insurer.
$100,000 medical cover →
HDFC ERGO General Insurance
HDFC ERGO Travel Gold
Instant Schengen-compliant cover with gadget and adventure add-ons.
$100,000 medical cover →
Bajaj Allianz General Insurance
Bajaj Allianz Travel Prime Gold
Feature-dense worldwide cover with standout home-burglary protection.
$100,000 medical cover →
Care Health Insurance
Care Explore — Europe
Schengen-compliant certificate at student-friendly prices.
$50,000 medical cover →
Reliance General Insurance
Reliance Travel Care Gold
Frequently the lowest quote for Schengen and Asia trips from India.
$50,000 medical cover →
Go Digit General Insurance
Digit International Travel
Paperless cover with automatic flight-delay payouts — no claim forms.
$100,000 (selectable) medical cover →
Buy with a real consultant — not just a checkout form
Our consultants confirm final premiums with the insurer, check the wording against your trip (visa rules, activities, health declarations), and stay on the file for claims help.
How to buy it right
- Buy before your visa appointment and carry the certificate — consulates want policy dates matching your itinerary.
- If your dates shift after visa approval, ask the insurer to re-issue the certificate rather than buying a second policy.
- Frequent Schengen travellers should price an annual multi-trip policy — one certificate serves every application that year.
Frequently Asked Questions
What exactly does a Schengen-compliant policy need?
Minimum €30,000 medical expenses cover, validity across the entire Schengen area for the entire requested stay, and cover for emergency treatment, hospitalisation, evacuation and repatriation. All plans listed on this page meet these conditions.
Do visa-free travellers to Europe need insurance?
US citizens (and other visa-free nationalities) are not legally required to hold insurance for short Schengen stays, but border officers may ask about means and cover — and European treatment costs make it strongly advisable regardless.
Which countries does Schengen insurance cover?
All 29 members, including Bulgaria and Romania (full members since 2025). Non-Schengen European stops (UK, Ireland, Türkiye, the Balkans) need a policy that covers Europe-wide or worldwide, which most plans here do.
Other trip types
Premiums shown are indicative estimates compiled from publicly available plan literature and typical market rates — the final premium, terms and issuance are always set by the insurer. Plan benefits, limits and exclusions are summarised for comparison; the policy wording issued by the insurer is the only binding document. Confirm current terms with the insurer or our consultants before purchase.