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Most of us have dreamt of visiting Europe, whether that’s backpacking with our friends or visiting some of the most luxurious places Europe has to offer. Travelling to Europe as an Indian can be one of your most memorable experiences. This is why when planning everything to the finest detail, don’t let unforeseen circumstances get in the way. Travel insurance to Europe is your first step to a safe, hassle-free trip overseas. 


Most of us have dreamt of visiting Europe, whether that’s backpacking with our friends or visiting some of the most luxurious places Europe has to offer. Travelling to Europe as an Indian can be one of your most memorable experiences. This is why when planning everything to the finest detail, don’t let unforeseen circumstances get in the way. Travel insurance to Europe is your first step to a safe, hassle-free trip overseas. 

Travel Insurance to Europe from India: Everything You Need to Know

30sec Snapshot

Travel insurance to Europe from India offers financial security in the face of unforeseen incidents, encompassing medical costs, trip disruptions, and lost luggage. This gives travellers assurance, guaranteeing support during unexpected situations and emergencies throughout their European journey. The specifics of policies can differ, so it’s crucial to examine the extent of coverage, encompassing aspects like medical evacuation, trip disruption, and exclusions within the policy.

Europe is renowned for its captivating blend of history, culture, and natural beauty, making it an enticing destination for both students and tourists alike. Students flock to Europe for its esteemed universities and academic institutions, offering world-class education and diverse learning opportunities. The continent’s rich history provides a unique backdrop for educational exploration. Meanwhile, tourists are drawn to Europe for its iconic landmarks, from the Eiffel Tower in Paris to the Colosseum in Rome, offering a chance to step back in time and marvel at architectural marvels. With its compact size and well-preserved cities, Europe allows tourists to explore multiple countries and cultures seamlessly, making it a top destination on many people’s travel lists.

But damages, losses, or injuries could happen at any point. The risk of all that happening increases when we travel in unfamiliar territory. Travel insurance is a safety measure that helps us financially recover in case of any losses incurred, health issues, injuries and even fatalities while travelling. 

Taking travel insurance to Europe from India is a wise move since the long travel can open up several opportunities for misplaced luggage, flight delays, cancellations, and weather changes that could cause health issues.

Also, read about travel visa requirements for Schengen countries.

Scenarios Where Travel Insurance Would’ve Benefitted:

Scenario 1: The weather in European countries drastically differs from India’s primarily tropical climate, making you susceptible to health concerns like malaria or dengue. 

Scenario 2: You’re frantically scrambling through a new city only to find out your train is cancelled because of union strikes. 

Scenario 3: You lose something while lugging along your heavy bags. 

Public transport strikes, baggage loss, and last-minute flight or tour cancellations are just a few examples of what could hamper your travels. At such times, travel insurance can help you recover from any financial loss.

Protect yourself against unforeseen events and enjoy worry-free travel. 

Get insured today!

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Key Benefits of Travel Insurance to Europe from India

Travel insurance is essential for anyone planning a trip to Europe from India or any other destination. It provides financial protection and peace of mind, covering a range of unexpected events that can disrupt your travel plans. Here are the key benefits of having travel insurance for your Europe trip as an Indian:

  • Medical Coverage: In case you fall ill or get injured during your trip, travel insurance covers medical expenses, including hospitalisation, doctor’s fees, medication, and emergency medical evacuation.
  • Trip Cancellation and Interruption: Travel insurance can reimburse you for non-refundable trip costs if you have to cancel or cut short your trip due to unforeseen events like a family emergency or a sudden illness.
  • Delayed or Lost Baggage: If your luggage is delayed, damaged, or lost during the journey, travel insurance provides coverage for replacing essential items and, in some cases, compensation for the inconvenience.
  • Travel Delay: Travel insurance offers compensation for additional expenses incurred due to delayed flights or other transport disruptions, such as accommodation, meals, and alternative transportation.
  • Emergency Assistance: Many policies provide 24/7 emergency assistance, helping you with medical emergencies, legal issues, lost passports, or other unexpected problems while abroad.
  • Coverage for Pre-existing Conditions: Some travel insurance policies can provide coverage for pre-existing medical conditions, which is important for individuals with ongoing health issues.
  • Personal Liability: In case you unintentionally cause damage to property or harm someone, travel insurance can cover your legal liability and related expenses.
  • Adventure and Recreational Activities: If you plan on engaging in activities like skiing, hiking, or other adventure sports, you can opt for coverage that includes these activities.
  • Trip Documentation Protection: If your passport, travel documents, or credit cards are stolen or lost, travel insurance can help you with the necessary paperwork and provide emergency funds for replacement.
  • Personal Accident Coverage: Travel insurance can provide compensation in case of accidental injuries or death during the trip.


In a Nutshell

Travel insurance for your Europe trip as an Indian provides crucial medical and financial protection, covering unexpected medical expenses, trip cancellations, baggage issues, and emergencies, ensuring peace of mind and security while abroad. It also offers coverage for personal liability, lost travel documents, and a range of recreational activities, making it an essential investment for a worry-free travel experience.

 Don’t let unexpected circumstances hinder your travels. Get travel insurance today!


Apply Here
Scan QR Code To Download The App

Don’t let unexpected circumstances hinder your travels. Get travel insurance today!

Apply Here
Scan QR Code To Download The App

Considerations for Travel Insurance to Europe from India

When purchasing travel insurance for Europe from India, here are some important considerations to keep in mind:

When choosing travel insurance from India to Europe, it’s important to consider several points to ensure you select the most appropriate coverage for your needs. Here are some key factors to remember when comparing travel insurance plans:

  1. Evaluate available options:Take the time to research and compare different travel insurance policies from various providers. Look for reputable insurance companies and consider the range of coverage they offer.
  2. Review public reviews and ratings: Read reviews and feedback from other customers who have used the insurance company or policy you’re considering. This can provide insights into the quality of their service, the claim handling process, and overall customer satisfaction.
  3. Assess coverage limits and benefits: Carefully examine the travel insurance coverage details to understand what expenses are covered and the maximum amounts payable for various claims. Ensure the policy provides adequate coverage for medical expenses, trip cancellation or interruption, lost baggage, and other potential risks you may encounter during your travels.
  4. Consider deductibles and exclusions: Pay attention to any deductibles or excess amounts you’ll need to pay out of pocket before the travel insurance coverage kicks in. Additionally, understand the exclusions and limitations of the policy, as certain activities or pre-existing conditions may not be covered.
  5. Check the claim process:Understand the procedures and documentation required to file a claim. Look for insurance providers with a reputation for efficient and straightforward claims processing. It’s also beneficial to ensure the insurer has a 24/7 helpline or assistance service for emergencies during your trip.
  6. Seek low claim rejection rates:Has your insurance claim ever been rejected? The easiest way to avoid this is to seek out companies with low claim rejection rates. While it’s difficult to predict claim rejections with absolute certainty, you can research insurance providers’ claim settlement ratios. Companies with a history of low claim rejection rates may indicate a higher likelihood of your claims being approved.
  7. Understand policy cancellation and refund terms:While understanding the terms and conditions of policy cancellation and refund can seem like a hectic task, it is necessary to familiarise yourself with them. It includes understanding any cooling-off periods between claims or until coverage begins and potential penalties for cancelling the policy after purchasing it.
  8. Consider additional coverage options: Assess whether you need any additional coverage beyond the standard policy. For instance, if you plan to participate in adventure sports or engage in higher-risk activities, such as paragliding over the Swiss Alps. You might require specialised coverage tailored to those activities.
  9. Seek advice or consult an insurance professional: If you’re unsure about the details or need assistance, consider consulting with an insurance professional who can guide you through the process and help you choose the most suitable travel insurance for your specific requirements.

In a Nutshell

When getting travel insurance for your European trip from India, check coverage limits, policy duration, exclusions, and the inclusion of pre-existing conditions. Also, review cancellation and refund policies and research the insurer’s reputation. Ensure 24/7 emergency assistance services are part of your coverage for added peace of mind.

Top 5 Options for Travel Insurance to Europe

Now that we know the benefits of travel insurance to Europe let’s explore some of the insurance providers in India to choose from
  • TATA AIG International Travel Insurance
  • ICICI Lombard Travel Insurance
  • Royal Sundaram Travel Insurance
  • Go Digit Insurance
  • SBI Travel Insurance

 Get travel insurance that covers flight cancellations, lost luggage, emergency medical expenses, etc.


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 Don’t gamble with your health!! Get Insured

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Reasons You Can Cancel Your Flight with Insurance

Need to reschedule your flight to get somewhere quickly? Your travel insurance to Europe could cover flight cancellations as well.  Your reason for cancelling a flight with insurance must be considered genuine. Some acceptable reasons for flight cancellations are:
  1. You or your travel companion suffers from an unforeseen sickness or illness
  2. You are required to be in quarantine
  3. You are required to be present at court by law
  4. You become a victim of an unforeseen disaster
  5. You have been subject to travel restrictions
  6. You are facing difficulties getting to the airport. 

In order to cancel a flight with insurance, you may do so directly from the website you booked your travel from. You may also take a travel agent’s help. Submitting these documents as part of the insurance claim will help you recover the money once that claim is approved.

Key Takeaways

Is it really a vacation if you’re constantly worried about your finances? Your time in Europe deserves to be memorable and worry-free.
  • Travel insurance for Europe from India offers essential medical and financial protection against unforeseen events during your trip, ensuring peace of mind and security.
  • Consideration factors for choosing the right travel insurance include budget, coverage requirements, specific inclusions, exclusions, etc.
  • Research and compare different insurance providers, read reviews and testimonials, and check claim settlement ratios to assess the insurer’s reputation.
  • Understand the claims process, policy deductibles, and currency conversion rates to make an informed decision.

Best of luck and safe travels!

Frequently Asked Questions

This coverage depends on the type of insurance policy. Some policies in India, such as ICICI Lombard Travel Insurance and TATA AIG Travel Insurance, include emergency evacuations.

Most travel insurance to Europe provides 30-day coverage. However, it can be extended to 90 days. If that is insufficient, “backpacker” or long-stay insurance coverage can be taken.

Most insurance for travelling overseas does not have any age restrictions. However, the cost of Europe travel insurance could vary by age. 

Yes, most travel insurance coverage includes baggage loss or delays. 

No, it is not possible to buy single-trip travel insurance once your trip has already begun. To obtain single-trip insurance, both the purchase and commencement date must precede the start date of your trip.

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