Best Travel Insurance for Schengen Visa

What is a Schengen Visa?

A Schengen visa is a travel permit that allows you to visit multiple European countries within the Schengen Area for short stays, typically up to 90 days within a period of 180 days. This visa is suitable for purposes such as tourism, business, or short-term study.

Before having a Schengen visa, you should have Schengen travel insurance. And, the insurance must meet specific requirements, including minimum coverage of €30,000 (28,41,900 INR) and validity across all Schengen countries.

Types of Schengen Visa Insurance

There are two main types of Schengen visas. Let’s understand them:

• Single-trip travel insurance: This plan is best for those taking one planned trip to the Schengen area.
• Multi-trip travel insurance: This plan suits travelers who plan frequently to visit the Schengen region.

List of the Best Travel Insurance for a Schengen Visa

Here is the list of the best travel insurance for a Schengen visa from India:

1. TATA AIG Schengen Travel Insurance

Here are some of the benefits of TATA AIG travel insurance for a Schengen visa:

• Emergency Medical Cover: Pays for emergency treatment, hospital stay, and accidental injuries related to medical needs during your trip.
• Pre-existing Disease Cover: You’re protected for treatment of pre-existing health conditions up to ?16,94,770.
• Baggage Loss or Delay: You can get up to 42,000 INR for lost or delayed checked-in baggage.
• Passport Loss: If you lose your passport, the plan covers replacement costs up to ?42,000.
• Family Travel in Emergency: Pays for the return ticket of a spouse, child, or close family member in an emergency. Also covers family stay expenses up to 42,000 INR.
• Affordable and Paperless Plans: You can get Schengen travel insurance online that is affordable, with no paperwork or health check-up needed.
• Visa and Flight Cancellation Refunds: Get quick refunds for visa rejections and claims for flight delays or cancellations.

2. Care Schengen Travel Insurance

The Schengen visa travel insurance has many advantages, some of which are as follows:

• Hospital Expenses: The plan pays for your medical treatment in a foreign country, including both hospital stays and regular doctor visits.
• Daily Cash Allowance: If you're hospitalized, you will get a fixed daily amount for up to 5 days to cover daily expenses.
• Compassionate Visit: If you're in the hospital, the cost of round-trip economy flight tickets for a close family member will be covered.
• Personal Accident: If there’s an accident that causes death or permanent disability, the insurance gives a lump sum payout.
• Trip Delay or Cancellation: If your trip is delayed or canceled, the plan covers the losses.
• Baggage Delay or Loss: If your checked-in baggage is delayed or lost, the plan helps recover the cost.

3. Reliance Schengen Travel Insurance

Here are some of the features offered by one of the best travel insurance for a Schengen visa:

• Emergency Medical Coverage: Covers hospital stays, outpatient care, and medical evacuation for sudden illnesses or accidents during your trip.
• Trip Cancellation and Delay Protection: Reimburses expenses if your trip is canceled or delayed due to covered reasons like bad weather or personal emergencies.
• Baggage Loss and Delay: Compensates for lost or delayed checked-in baggage, helping you recover essential items.
• Loss of Passport: Covers the cost of obtaining a replacement passport if yours is lost or stolen during the trip.
• Personal Accident Coverage: Provides financial benefits in case of accidental death or permanent disability while traveling.
• Compassionate Visit: If you're hospitalized for more than seven consecutive days, the plan covers the travel and stay expenses for a close family member to visit you.
• Personal Liability: Protects against legal expenses if you accidentally cause injury to someone or damage their property during your trip.

4. Schengen Visa Digit Travel Insurance

This Travel insurance for a Schengen visa from India has many benefits. Some of them are as follows:

• Adventure Sports Cover: Enjoy adventure sports (less than 24 hours, non-professional) under expert supervision. You’ll be covered if something goes wrong.
• Medical Emergency & Evacuation: If you get sick or have strong pain and need hospital care, the insurance will pay the costs, including evacuation if needed.
• Lost Travel Documents: If you lose your passport, visa, or license, the plan will cover the cost of getting duplicate or emergency papers.
• Accident Treatment: If you get injured during your trip, the policy will pay for your hospital treatment.
• Lost or Delayed Baggage: If your luggage is lost or delayed, you’ll get paid for it after some deductions.
• Emergency Dental Care: Sudden tooth pain or injury during the trip is covered, up to the set limit.

5. Bajaj Allianz Schengen Travel Insurance

Some of the benefits of Bajaj Allianz Schengen Travel Insurance are as follows:

• Affordable Premium: Bajaj Allianz offers low-cost premiums, making the travel insurance plan a good choice even for budget travelers.
• Easy Claim Process: The claim process is paperless and can be done easily using a smartphone, making it quick and convenient.
• 24*7 Claim Support: You can file a claim at any time of the day. You can also give a missed call at their customer care number to get a call back to start your claim.
• Coverage in 27 Countries: This policy covers travel across 27 Schengen countries, giving you wide protection during your trip.
• Deductibles Included: Some costs must be paid by the policyholder, as mentioned in the policy rules. These are called deductibles.
• Extra Benefits: The plan also offers add-ons like coverage for adventure sports, hospital stays, baggage delay, lost passport, emergency cash, trip cancellations, and more, helping you stay worry-free while travelling.

Conclusion

This increase in Schengen visa applications from India shows that many people want to explore Europe. With good planning and the right travel insurance, Indian travelers can have a smooth and enjoyable trip. Choosing a trusted insurance company that gives full coverage helps you travel without stress.

Make sure your travel insurance meets all Schengen visa rules and suits your needs. In case you need any guidance to buy travel insurance for a Schengen visa, feel free to contact our customer support service. Have a safe and happy journey!