Your Guide To Get the Best Travel Insurance to Europe: Everything You Need to Know
Team Niyo
Overview
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.
Overview
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.
Team Niyo
Stay Covered, Explore Freely
Damages, losses, or injuries could happen at any point. The risk of all that happening is only heightened when we travel. 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 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.
Protect yourself against unforeseen events and enjoy worry-free travel.
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What is the Meaning of Travel Insurance?
Worrying about travel insurance may arguably be the least exciting part of planning your trip. However, travel insurance from India to Europe might be essential to consider while planning your travels. The unforeseen circumstances can be confidently handled while travelling to major cities using travel insurance for Europe trips. Firstly, the weather is a drastic change from the primarily tropical climate of India. This makes travellers most susceptible to health concerns. Hence, medical travel insurance for Europe could come in handy.
Have you ever been frantically scrambling through a new city only to find out your train is cancelled because of union strikes, or did you lose something while lugging along your heavy bags? Public transport strikes, baggage loss, and last-minute cancellations are just a few things that could hamper your travels. At such times, travel insurance can help you recover from any financial loss.
There are a few types of travel insurance for Europe trips. The basic or standard travel insurance coverage includes reimbursements for incidents involving lost baggage, damages, and a few medical emergencies. Comprehensive medical insurance for travel overseas may cover a broader range of illnesses and losses.
Before choosing the type of travel insurance to Europe, consider three key factors: your nature of travel, duration, and safety of the location(s) you are travelling to. You may also consider your susceptibility to risks and losses based on your travels, so you can even cancel a flight with insurance.
Don’t let unexpected circumstances hinder your travels. Get travel insurance today!

Top 10 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
- Bajaj Allianz Travel Insurance
- Royal Sundaram Travel Insurance
- SBI Travel Insurance
- Reliance Travel Insurance
- Apollo Munich Travel
- Care Insurance International Travel Insurance (Religare Travel Insurance)
- Chola MS Travel Insurance
- Shriram Travel Insurance
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:
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
Everything You Need to Know About Medical Insurance for Overseas Travel to Europe
A Schengen Visa is required to visit different European countries such as Germany, Austria, Finland, Norway, Switzerland, etc. One of the essential steps when applying for a Schengen Visa Travel Insurance is ensuring good medical coverage. Your health is bound to be altered when travelling from one country to another, especially from different geographical and climatic locations. Your medical travel insurance for Europe must be on a level with that.
Most medical travel insurance for overseas travel might include the basic coverage of major injuries, illnesses, and certain emergencies. However, these are appropriate for you based on your predisposed conditions. The tip to finding the right insurance for travelling overseas is to understand your health needs first. For example, if you’re prone to altitude sickness and breathing issues and your travel itinerary includes climbing the Alps, it’s wiser to take insurance that covers this.
How to Cancel Your Flight with Insurance?
Did you fall sick after climbing the Alps or suffer a heat stroke after spending too much time in the Spanish sun, causing a last-minute plan change? Need to reschedule your flight to get somewhere quickly? Your travel insurance to Europe could cover flight cancellations as well.
To cancel a flight with insurance, your reason must be considered genuine. Some acceptable reasons for flight cancellations are:
- You or your travel companion suffers from an unforeseen sickness or illness
- You are required to be in quarantine
- You are required to be present at court by law
- You become a victim of an unforeseen disaster
- You have been levied travel restrictions
- 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. And then, submitting these documents as part of the insurance claim will help you recover the money once that claim is approved.
Worry less, travel more! Get travel insurance that covers flight cancellations.

Substantial Costs and Considerations
Costs for Europe travel insurance vary depending on the following factors:
- Coverage:
It’s simple, the more claims your insurance covers, the costlier your insurance will be. - Duration of travel:
The longer you expect to travel, the higher your risks are predicted to be, making your Europe travel insurance cost more. - Countries travelling to:
Certain countries have been marked to cause higher risks to health, property loss, or injury. Hence, travel insurance coverage might cost higher in such cases. - When you book:
Getting insurance for travelling overseas well ahead of the travel time can ensure that the costs are much lower than if you get insurance closer to your travel date.
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. Drive any concerns out of your mind by investing in travel insurance to Europe. Remember that travel insurance is an essential aspect of trip planning.
While spontaneous plans and adventurous expeditions are part of the experience, financial protection and protection from unforeseen circumstances are equally important. Take the time to carefully review the policy terms and conditions before making your final decision. Choose the option closer to your specific need and itinerary. Ensure you make thorough comparisons while choosing the best travel insurance from India to Europe.
Best of luck and safe travels!
Frequently Asked Questions
1. Is emergency medical evacuation included in travel insurance for Europe?
This coverage depends on the type of insurance policy. Some policies in India, such as ICICI Lombard Travel Insurance, TATA AIG Travel Insurance, etc., include emergency evacuations.
2. What is the duration of coverage for travel insurance in Europe?
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.
3. Are there any age restrictions for purchasing travel insurance for Europe?
Most insurance for travelling overseas does not have any age restrictions. However, the cost of Europe travel insurance could vary by age.
4. Does travel insurance for Europe cover lost or delayed baggage?
Yes, most travel insurance coverage includes baggage loss or delays.
5. Can I purchase travel insurance for Europe after I have already started my trip?
Yes, but no claims can be made for any events that occurred before purchasing the insurance.