Schengen Travel Insurance

Visa Compliant Travel Insurance ₹24.8

Starting Premium

COVID-19 Coverage*

USD 1,000,000 Sum Insured

2-Minute Instant Policy Purchase

Schengen travel insurance is a region-specific travel policy that covers trips to all 29 Schengen countries. It is a travel medical insurance plan that covers medical and trip emergencies like hospitalisations, personal liability, flight delays and cancellations, passport and baggage loss, repatriation, etc., during your trip.

All non-EU visitors to the Schengen region are required to hold travel medical insurance for a Schengen visa with minimum medical coverage of EUR 30,000. It is mandatory for anyone applying for a Schengen visa and wanting to travel to Europe, including Indians.

*TATA AIG Travel Guard Plus, UIN: TATTIOP24162V012324
Plan Options: Silver Plus, Platinum, and Titanium – Travel Guard Plus. Please refer to the policy wording and brochure for further reading.

Paperless Policies with Competitive Prices

Get the cheapest travel insurance for a Schengen visa on our website at just ₹24.8 per day*. No pre-policy health check-ups required. Enjoy your trip with our paperless policies.

Refunds on Visa Rejections and Flight Cancellations

Instant claim settlements for flight cancellations and delays under the best travel insurance for a Schengen visa. We also cover visa rejections and offer a refund on visa fees paid:.

Global Medical Coverage With No Sub-limits

Get Hospitalisation, Day Care Treatment and OPD treatment coverage for all 29 Schengen zone countries with no sub-limits. COVID-19 hospitalisations and quarantine are also covered.

Additional Coverage Bundles

Get add-on coverage bundles for cruises, adventure sports, permanent disability and frequent flyers under medical insurance for a Schengen visa.

After months of planning and saving, Alok and Sweta were going on their dream vacation to Sweden. But their vacation quickly took a turn for the worse when Sweta had to be hospitalised after a skiing accident at Åre.

Skiing injuries are common, and knowing this, Alok chose to get our Adventure Sports cover when buying Schengen travel insurance from TATA AIG. Since hospital bills in Sweden aren’t cheap, Alok called TATA AIG’s helpline. After explaining Sweta’s injuries, their hospital bills were quickly covered and paid for under their travel health insurance for Europe.

“We were worried about using our savings to pay for treatment, but thanks to TATA AIG, we got to enjoy the rest of our trip stress-free!” – Alok and Sweta.

• Visit the TATA AIG website and go to the “Travel Insurance” page.

• Select your travel purpose, and enter your destination(s) and travel dates. Next, enter your date of birth, mobile number and any additional travel companions.

• Click “See Plans” and choose any of the 3 plan options. You can also compare plan benefits and view their premium break-ups.

• Click “Proceed to Add-ons” and select any add-ons you require. Click “Continue”.

• Enter your KYC details and Click “Pay”. Once your payment has been processed, you will receive your Schengen travel health insurance via email.

• Also Read: How to Find the Best Travel Insurance Plan?

Online TATA AIG Travel Insurance Claim Intimation

• Visit TATA AIG and go to our Claim page. Click “Initiate Claim”. Notify us within 7 days and relevant authorities like the local police for theft/robbery within 24 hours.

• Choose “Travel”, enter your policy number and click “Next”.

• Fill out and submit the travel claims form and supporting documents within 30 days.

• We will review your bill or invoice as soon as it is received.

• Your refund should arrive in your bank account within 30 days.

Contact Information for Free Medical Treatment

For international claim related queries, claim filing and submission of claim documents, you can contact our assistance company at:

• Call: +91-022 68227600

• Email: EA.TATAclaims@europ-assistance.in

For claims while in India, contact us at:

• Call: 1800 266 7780 or 1800 22 9966 (only for senior citizens)

• Email: general.claims@tataaig.com

Local Helplines for Major Cities:

• Mumbai - 66939500

• Delhi - 66603500

• Bangalore - 66272829

• Pune - 66014156

• Chennai - 66841050

• Hyderabad - 66629882

• Ahmedabad - 66610201

Travel Insurance Claim Documents

• Duly filled and signed travel claims form.

• Travel policy extension request form (for emergency extensions)

• Proof of the incident (e.g., police report, hospital report, etc.)

• Copy of flight ticket and/or boarding pass

• Medical bills or receipts, prescriptions, discharge summary, list of medical services and treatments (for medical claims)

• Death certificate and attested postmortem report (for death/repatriation)

• Property Irregularity Report from the airline (for baggage loss)

• Other supporting documents as per the nature of the claim

Medical Coverage

• Medical treatment and hospitalisation, including COVID-19 and dental surgery, are covered under travel medical insurance for a Schengen visa.

• Funeral costs and costs for returning mortal remains back to India in case of policyholder’s accidental death when overseas.

• Cost of a 2-way ticket for an immediate family member if you are hospitalised for more than 7 days when overseas.

• Permanent disability due to injuries sustained during your trip.

• Injuries from accidents in India on the day of your departure or on the day of your return when travelling to or from the airport.

Travel Coverage

• Non-refundable ticket costs from flight cancellations, delays and missed connecting flights.

• Non-refundable pre-booking costs (hotel rooms, event tickets, etc.) from trip cancellations and trip curtailment.

• Refund of travel insurance premiums paid if your Schengen visa is rejected.

• Checked-in baggage loss or delay by the airlines for more than 4 hours.

• Theft or robbery of credit/debit cards, cash, international driving licence, personal baggage and passport.

• Costs for bounced hotel/airline bookings.

• Costs related to automatic policy extensions like accommodation expenses.

Legal Coverage

• Legal defence costs for personal liability if you cause property damage or accidental physical injury to another person while overseas.

Medical Exclusions

• Medical costs for treating congenital or terminal illness, STI and STDs, HIV, cosmetic surgery and self-inflicted injuries or suicide attempts.

• Medical costs for complications due to a pre-existing disease (PED), unless it is life-threatening.

• Alternative treatments like Ayurveda, Homeopathy or Naturopathy

• Injuries from war, war-like scenarios, chemical and biological terrorism, ionising radiation or nuclear waste.

• Claims due to pregnancy or injury from adventure sports. You will need an add-on for this coverage.

Travel-Related Exclusions

• Overstay fines from staying past your visa due date and claims when travelling on an immigrant visa beyond 120 Days.

• Claims when travelling against the advice of your doctor.

• Claims from flight crew members or anyone learning how to operate an aircraft.

• Baggage loss or passport loss due to negligence on your end.

• Claims from trips to countries that haven’t been included under your plan’s coverage.

Legal Exclusions

• Not reporting the loss or theft to the relevant authorities on time.

• Personal liability and costs for injury, death or disablement that come out of breaking any local or international laws or while under the influence of drugs and/or alcohol.

Do You Need a Visa for Schengen Countries?

Yes, you need a pre-approved Schengen visa from India. There are no visa-on-arrival options. So, you will need to apply for a visa, get it approved and then travel to your destination.

Also Read: Schengen Visa For Indians

Schengen Visa Types

Also Read: Schengen Visa Fees for Indians

• Visit the official visa portal of your Schengen destination country or VFS Global.

• Select your visa type and fill out the Schengen visa application form either online or in person.

• Pay the visa fee and book an appointment at your nearest embassy, consulate or authorised VFS visa application centre (VAC).

• Appear for your appointment with your visa application and supporting documents to submit your biometrics.

• After your application is verified and approved, your visa and passport will be dispatched to your registered address, or you can collect them in person.

Also Read: How Much Time Does It Take to Process a Schengen Visa for Indians?

• Valid Indian passport, with minimum 6 months validity and 2 blank pages.

• Confirmed flight tickets and itinerary.

• Schengen travel medical insurance with minimum medical coverage of EUR 30,000.

• Proof of accommodation like hotel bookings, rental agreements or an invitation letter from a host.

• Proof of finances like bank statements, payslips or sponsorship letters and proof of employment.

• Additional Schengen visa documents depending on your travel purpose, visa type and destination country.

Also Read: Best Time to Visit Europe

Trains

Train travel in Europe is by far the most popular way to explore the continent. Travellers can get a Europe rail pass or Eurail Pass that offers access to trains in up to 33 countries. Apps like Rail Planner and Trainline also make ticket booking and scheduling much easier.

Bus

Buses are perfect for backpackers and small groups of 2-3. Compared to cars, buses offer more amenities like food, Wi-Fi and comfortable seating, and some buses even have bathrooms on board. You can easily find tickets for popular Trans-European bus companies like Flixbus and Eurolines.

Air Travel

Budget airlines are the way to go if you’ve picked air travel. You can usually find flight tickets between $50-$250 or even less. The only catch here is that budget tickets are non-refundable and non-changeable, and many airlines only accept online bookings.

Ferries and Boats

Ferries are a good alternative to air travel for countries across the sea, like Finland or Estonia. Italy and Spain share sea routes in Southern Europe, and France, Italy, Croatia and Greece all also share sea routes.

Bikes and Cars

Car-sharing or bicycles, scooters and segways are perfect for city travel. Car rentals are also quite cheap if you are travelling with family or in a larger group.

• Look Into Eurail or Train Passes: Train travel is usually the cheapest in Eastern and Southern Europe. Websites like Omio, Rome2Rio and Trainline are great for comparing prices.

• Book in Advance: Use sites like SkyScanner, Kiwi, Kayak and Momondo to book in advance on budget airlines. The cheapest flights are available in December, January and February.

• Travel Off-Peak: The best time to travel to Europe on a budget would be the off-season. The cheapest European countries for Indians are mostly found in Southeast Europe.

• Eat Like a Local: Cook whenever possible, and look for authentic, local restaurants as they tend to be cheaper.

• Discount Cards and Coupons: Popular discount cards include the European Youth Card (EYC), which offers discounts on transport, food, etc., for travellers under 30.

Also Read: 9 Cheap European Destinations from India

• Payment Modes: Places like Sweden, Estonia, and Norway are cashless, while cash is still widely used in Germany and Southern Italy.

• Local Laws: Check local laws. For example, Germany has very strict traffic and recycling laws, and Greece bans high heels at the Acropolis to prevent wear and tear.

• Languages Spoken: Italy, Spain, France and the Czech Republic are some countries where English is not spoken as commonly.

• Local Crime: The most common form of crime in Europe is petty theft and pickpocketing, especially in cities like Rome, Paris and Barcelona.

• Currency: 7 European countries do not use the Euro – Bulgaria, Czechia, Denmark, Hungary, Poland, Romania and Sweden, as these lie outside the EuroZone.

Also Read: How to Verify Vaccine Certificate Before Your Next Europe Trip