Travel Insurance For Europe

Europe is just an eight-hour flight from India, bringing you to a continent where every country offers something different. From London's red buses to Italy's small pasta villages, you can experience it all with one visa that opens doors to multiple nations. Since trains connect major cities quickly and affordably, it becomes easy to see many places in a single trip.

This means you could start your morning in Paris visiting the Eiffel Tower, then take an afternoon train to Belgium for some famous chocolate. By evening, you might find yourself in Amsterdam exploring its beautiful canals. With all these amazing experiences waiting across different countries, Europe travel insurance from IndusInd General Insurance helps keep your multi-nation adventure running smoothly when small problems pop up.

For example, imagine you're exploring Rome's ancient Colosseum when you suddenly feel unwell and need to see a doctor. Similarly, your flight from Berlin to Prague could get delayed, making you miss your hotel booking and requiring last-minute accommodation. In both situations, your travel insurance covers these unexpected costs - from doctor's fees to emergency hotel stays - while our support team handles all the paperwork, letting you get back to enjoying your European adventure without financial worries.

Since travel insurance is mandatory for European countries within the Schengen region, having the right coverage becomes essential when applying for a Schengen visa.

Beyond meeting visa requirements, medical visits and travel changes can get expensive across different currencies. That's why the IndusInd Insurance app becomes so valuable - you can submit claims directly from your phone while travelling, ensuring quick assistance and reimbursement so your European exploration continues smoothly from one exciting destination to the next.

Why to - H2

Why 8 Crore+ Policyholders Choose Us?

Over 5 crore travellers choose IndusInd travel insurance for reliable protection worldwide. Our proven track record includes maximum coverage, 24/7 support*, excellent claim settlements and policies without medical screenings.

Location - Travel Insurance

$500,000 Coverage

High Medical Coverage

24/7 Customer Support

Get help anywhere in Europe

AI-Powered App

Quick processes and 24/7 support

No Medical Check-ups

Just apply, pay and download!

Benefits of Buying Europe Travel Insurance

Medical Coverage

You're exploring Prague when you start to feel a little unwell after travelling and need to visit a local clinic. Seeking medical attention in Europe can be costly without proper coverage. That's why we provide medical coverage of up to USD 500,000* and USD 500* for emergency dental treatments at any certified European hospital.

Passport Loss

You're sightseeing in Rome when you realise your passport has gone missing from your bag. Losing documents happens when moving between locations and managing multiple activities. Hence, our coverage includes up to USD 300* to help you get a replacement passport, including all reissue costs.

Flight Delays & Connecting Flights

You arrive at the airport for your Barcelona flight only to find it's delayed. Flight disruptions happen during busy seasons or due to weather affecting European airline schedules. For these unexpected delays, we provide up to USD 60 per day* for flight delays exceeding 12 hours, including rescheduled connections.

Baggage Support

Your flight arrives on time, but your checked baggage doesn't make it to your destination. In situations like these, the plan provides coverage for both delayed and permanently lost luggage during travel between European cities. You will receive up to USD 100* for baggage delays exceeding 12 hours and up to USD 1,500* for lost luggage.

Personal Liability

You're exploring a Vienna museum when you accidentally bump into a display case requiring compensation. These situations occur during tourist activities, especially in crowded attractions with limited space. That’s why we've got you covered with up to USD 200,000*, so you don't worry about out-of-pocket costs during your travels.

Emergency Cash

You're exploring a small European town, but you've just discovered that your wallet is missing and you need cash immediately. In situations like these, we offer emergency cash of up to USD 300* for food, transport and accommodation needs to account for these small issues so you’re not stranded without funds for essential expenses.

Key Features

Key Features of IndusInd Europe Insurance

Individual Travel Plan

This plan is designed for single travellers visiting Europe, providing coverage for medical expenses, trip-related issues and personal belongings. It meets visa requirements and offers support services while you explore European countries on your own, making it suitable for solo adventurers and business travellers alike.

Key Features-Individual Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$500,000
Personal liability	$100,000	$200,000
Personal accident	$20,000	$30,000
Total loss of baggage	$1,000	$1,500
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 6 Days)	$60/day (maximum cap of 6 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹3,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Family Travel Plan

This plan covers multiple family members travelling to Europe under a single policy. It includes medical coverage for all family members, protection for family belongings and assistance with travel-related problems. The plan is designed to meet visa requirements while ensuring your entire family is covered during your European trip.

Key Features-Family Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$250,000
Personal liability	$100,000	$200,000
Personal accident	$15,000	$25,000
Total loss of baggage	$500	$1000
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 5 Days)	$50/day (maximum cap of 7 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹1,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Disclaimer: Please refer to the official policy documents for detailed information linked here.

Inlcusion Exclusion

IndusInd Europe Insurance: Inclusions & Exclusions

Location - Travel Insurance

What is covered?

Emergency Care: Covers medical and dental treatment resulting directly from accidental injuries sustained during your trip.

Pre-existing Diseases: If a pre-existing condition becomes life-threatening while travelling, emergency treatment costs will be covered.

Third-Party Liability: If you accidentally injure someone or damage their property, we’ll cover the resulting medical or repair expenses.

Travel and Baggage Delay: Covers delays due to medical emergencies, bad weather, job loss or security issues. Baggage delays exceeding 12 hours are also covered.

Lost Passport: If your passport is lost or stolen during your trip, the plan helps cover the cost of getting you a replacement.

Location - Travel Insurance

What is not Covered?

Planned Treatment: Travelling to any Asian country solely for medical treatment, surgery or cosmetic procedures is not covered under the policy.

Undeclared Pre-existing Diseases: Medical emergencies related to pre-existing illnesses that were not disclosed before purchasing the plan will not be covered.

Pregnancy-Related Exclusion: If you are over 30 weeks pregnant, any expenses related to childbirth or associated complications during the trip are excluded.

Legal Violations: Costs arising from legal issues, including situations that result in your passport being seized by authorities, are not covered.

Negligence: Claims won’t be accepted for missed flights caused by personal delays or failure to carry necessary travel documents.

Disclaimer: Please refer to the official policy documents for detailed inclusions and exclusions.

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How to Buy?

How to Buy IndusInd Europe Travel Insurance?

Securing travel insurance for your European adventure has never been easier with IndusInd General Insurance. The entire process takes just minutes, ensuring you’re protected before you even pack your bags. Follow this step-by-step guide:

Location Travel Insurance

Select Trip Type

Scroll up to the form on top and select your travel purpose.

Enter Your Details

Enter your travel dates, DOB and choose Europe as your destination.

Compare & Select

For an instant quote pick your SI in calculator below and click "Compare Plans".

Complete KYC

Enter your phone number and complete the online KYC process.

Pay & Get Policy

Pay online and get your Europe travel insurance plan instantly via email.

Homepage Curated Plans Client Extension

How to Claim?

How to Claim IndusInd Europe Travel Insurance ?

Location Travel Insurance

Cashless

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network garages.

Steps to file a cashless claim

For medical claims, let us know via our helpline or email using your policy number.

Check if the hospital accepts cashless claims & submit the claim form.

IndusInd Care (previously Reliance Care) will review the claim and your documents.

Upon approval, we place a Guarantee of Pay (GoP) to the hospital.

If the hospital does not agree to the GoP, you can always file a reimbursement claim.

Location Travel Insurance

Reimbursement

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network
garages.

Steps to file a Reimbursement claim

Get in touch via our helpline or email for luggage delays, trip cancellations, etc.

Complete the claim form and gather all other necessary documents.

You might need to submit a passport copy, flight tickets, emails from the airline or FIR.

IndusInd Care (previously Reliance Care) will review the claim to decide its approval.

After approval, the compensation or benefit amount will be disbursed to you.

Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support. It takes around 30 working days* to settle your claim from the date of submitting the final claim document

Types of Visas for Europe

Europe offers incredible travel opportunities, but Indian citizens must obtain a visa before visiting most European countries. The Schengen visa system allows travel across 29 European countries with a single visa. Understanding the different visa types helps you choose the right one for your travel plans.

Type A - Airport Transit Visa (ATV)

The Airport Transit Visa is required for travellers passing through Schengen airports without entering the country. Indian citizens need this visa when changing flights in the international transit zone of Schengen airports on their way to non-Schengen destinations.

Type C - Short-Stay Tourist Visa

The most popular visa for Indians visiting Europe, allowing stays up to 90 days within any 180-day period. Perfect for tourism, business trips, visiting family or short-term activities across all Schengen countries with complete freedom of movement. It can be issued for single or multiple entries.

Type D - Long-Stay National Visa

Required for stays longer than 90 days in a specific Schengen country. Issued for work, studies, family reunification or long-term residence. Typically issued as multiple-entry visas, allowing travel within other Schengen areas for up to 90 days (per visit) during the visa's validity period.

Business Visa

Designed for professional activities like meetings, conferences, negotiations or trade fairs. Can be issued as Type C (short-stay) or Type D (long-stay) depending on your business requirements. Requires invitation letters and proof of business activities.

Work Visa

Required for employment in Schengen countries, typically issued as a Type D long-stay visa. Requires job offer, work contract and employer sponsorship. Allows working in the issuing country and travelling within the Schengen area under specific conditions.

Student Visa

For educational purposes, including university studies, research, training programs or academic exchanges. Usually issued as Type D for long-term studies or Type C for short courses. Requires admission confirmation from recognised educational institutions and financial proof.

Embassy Contact Details: India and Europe

Country	Embassy in India	Indian Embassy in Europe
Germany	https://india.diplo.de/in-en/ueber-uns/newdelhi	https://indianembassyberlin.gov.in/
France	https://in.ambafrance.org/	https://www.eoiparis.gov.in/
Switzerland	https://www.eda.admin.ch/newdelhi	https://www.indembassybern.gov.in/
Italy	https://ambnewdelhi.esteri.it/en/	https://www.indianembassyrome.gov.in/
Spain	https://www.exteriores.gob.es/Embajadas/nuevadelhi/en/Paginas/index.aspx	https://www.eoimadrid.gov.in/index.php
Netherlands	https://www.netherlandsandyou.nl/web/india	https://www.indianembassynetherlands.gov.in/
Greece	https://www.mfa.gr/missionsabroad/en/india-en/about-us	https://www.indiaingreece.gov.in/
Austria	https://www.bmeia.gv.at/en/austrian-embassy-new-delhi/	https://eoivienna.gov.in/
Portugal	https://novadeli.embaixadaportugal.mne.gov.pt/en/	https://www.eoilisbon.gov.in/
Hungary	https://delhi.mfa.gov.hu/eng	https://www.eoibudapest.gov.in/
Poland	https://www.gov.pl/web/india/embassy-new-delhi	https://www.indianembassywarsaw.gov.in/
Belgium	https://india.diplomatie.belgium.be/en	https://indianembassybrussels.gov.in/index.php
Norway	https://www.norway.no/en/india/	https://www.indianembassyoslo.gov.in/
Sweden	https://www.swedenabroad.se/en/embassies/india-new-delhi/	https://www.indembassysweden.gov.in/

Best Time to Visit Europe

Europe offers a unique experience throughout the year, each season bringing its own advantages. Your perfect timing depends on personal budget, weather preference, crowd tolerance and travel goals. Here’s what each season offers:

June - August

What to Expect: Warm, sunny weather with temperatures 20-30°C. Long daylight hours and perfect outdoor conditions to visit Greece or Italy.

Perfect for: First-time visitors, families, beach lovers and summer festival enthusiasts (Albania or Croatia).

Tourist Flow: Very high crowds at all attractions with long queues everywhere.

Flights and Hotel Rates: Highest prices of the year with limited availability.

Return Airfare from India (Approx): ₹80,000 - ₹1,20,000 for economy class.

Keep in Mind: Popular attractions in Western Europe sell out quickly; Eastern Europe offers fewer crowds.

April - May, September - October

What to Expect: Pleasant weather with temperatures 15-25°C. Spring blooms or autumn colours in the Netherlands, France and Germany.

Perfect for: Budget travellers visiting Albania and Bulgaria, couples, photographers and comfortable weather seekers.

Tourist Flow: Moderate crowds with manageable queues at popular attractions.

Flights and Hotel Rates: Mid-range pricing with good deals available.

Return Airfare from India (Approx): ₹60,000 - ₹90,000 for economy class.

Keep in Mind: Weather can be unpredictable (rainfall) in Belgium, Northern France or Germany, so carry a rain jacket and warm layers.

November - March

What to Expect: Cold weather with temperatures 0-15°C. Shorter days and possible snow in Finland, Sweden and Norway.

Perfect for: Budget travellers, museum lovers, Christmas market visitors, winter sports enthusiasts(Austria or Vienna).

Tourist Flow: Very low crowds with peaceful sightseeing experiences.

Flights and Hotel Rates: Lowest prices with significant discounts available.

Return Airfare from India (Approx): ₹45,000 - ₹70,000 for economy class.

Keep in Mind: Many outdoor attractions close early or remain shut during winter months in Germany and Switzerland.

Interesting Facts About Europe

Notre Dame Popularity: Notre Dame Cathedral receives fourteen million visitors yearly, more than the Eiffel Tower's seven million.

Vatican City Size: Vatican City covers just 0.02 square miles, making it the world's smallest country.

European Castle Count: Europe houses over ten thousand castles and ruins originally built to stop ancient invaders.

No Mosquitoes Iceland: Iceland has absolutely zero mosquitoes despite three thousand six hundred species existing globally elsewhere.

Penguin Knight Norway: Norway knighted a penguin named Brigadier Sir Nils Olav Third at Edinburgh Zoo, Scotland.

Language Diversity Europe: Over two hundred languages are spoken across Europe, with English being the most common.

Chocolate Sales Brussels: Brussels Airport sells more chocolate than anywhere else worldwide, over eight hundred tonnes annually.

Hungarian Glass Clinking: Avoid clicking glasses in Hungary, it’s considered a serious faux pas due to Austrian victory celebrations during the 1848 revolution.

Olympic Games Origin: Ancient Greece held the first Olympic Games in seven seventy six BC to honour Zeus.

10.Wales Town Name: Welsh town, Llanfairpwllgwyngyllgogerychwyrn

drobwllllantysiliogogogoch, has fifty-eight letters, making it Europe's longest town name.

Essential Apps for Your Europe Trip

Accommodation and Hotel Booking

Hotel booking apps like Booking.com, Expedia and Hotels.com are popular choices among travellers visiting Europe regularly. You can also use Airbnb or Vrbo if you want a more immersive local experience during your stay.

Navigation & Flights

When it comes to navigation in Europe, Google Maps works perfectly for walking and public transport within cities since it has offline functionality. For domestic flights, you can consider Skyscanner and Google Flights for travel. For driving long distances, Waze is better as it provides real-time traffic updates and speed camera alerts throughout European highways.

Transport

If you're using public transport in European cities, download Citymapper or local apps like BVG for Berlin. For travelling between countries, use RailPlanner, Trainline or Omio. You can also use ride-sharing apps like Uber and Bolt since they are available across most European cities.

Sightseeing, Events and Tours

Many museums, galleries and attractions offer free entry on select days or student discounts with proper identification. You can check GetYourGuide, Viator, TripAdvisor, official tourism websites or use Galido for local tours, Resident Advisor for nightlife and music events and GuruWalk for free tours and local guides to explore cities.

Restaurants, Cafes & Food Delivery

Apps like Deliveroo, Uber Eats, Just Eat, TooGoodToGo, and Foodora are go-to options when it's raining outside and you want authentic local food delivered. Consider the European coffee trip app for authentic coffee. Use The Fork for easy restaurant reservations. Wolt (Nordic countries) and Glovo (Spain, Italy) are excellent regional alternatives for specific European regions.

Other Useful Apps

Payment and currency apps are essential for European travel. Revolut, Wise and PayPal offer excellent exchange rates and work across all European countries. XE Currency and Currency Converter Plus help you track spending and convert prices instantly while shopping. The Bring Me - Log app is helpful for tracking belongings throughout your journey.

Key Takeaways

Indian travel to Schengen countries has surged by 18.95% in the first quarter of 2025, making Europe a popular international destination among Indians. Since travel insurance is mandatory for Schengen visa approval, every Indian traveller needs proper coverage. The Schengen visa opens access to 29 countries with a single application, creating endless exploration possibilities.

We at IndusInd General Insurance (formerly Reliance General Insurance) serve over 5 crore travellers who trust our comprehensive protection services. Our Europe insurance provides coverage up to USD 500,000* for medical expenses while protecting against travel challenges like baggage delays, flight disruptions and passport loss. This protection extends seamlessly across all Schengen area countries.

Our innovative IndusInd Insurance app changes the way claims are processed by enabling instant submissions directly from your phone. You can file claims without paperwork and our 24/7 support team* is available to provide immediate assistance. This digital approach makes sure that problems are solved quickly and that your trip through Europe goes smoothly.

Starting at just ₹306*, our insurance plans fulfil all visa requirements while offering exceptional value. We offer both individual and family options with additional benefits, including emergency cash assistance and trip cancellation protection.

Author - Location Travel

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Insure Your Trip to Europe Today!

From admiring the Eiffel Tower in Paris and exploring the canals of Venice to discovering the Swiss Alps and the historic streets of Prague, stay protected with IndusInd Europe travel insurance. We help ensure your European adventure remains safe, seamless, and worry-free!

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4.7 ★ ★ ★ ★ ★ (45)

I recently purchased my Travel insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Yogya Kolliboina

Rangareddy

4.5

Seamless digital experience

I had a positive experience while applying for Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Saroja Kolliboina

Rangareddy

From start to finish, the process of getting my Travel insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Padmanabhan

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Alpabharat Gala

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

I was going on a simple holiday and wanted basic cover without unnecessary additions. I only paid for my exact travel dates, and the coverage level felt right for where I was travelling.

For my Europe trip, I mainly wanted medical cover. I could see the hospital and emergency details clearly, so I did not have to overthink while choosing the plan.

Caroline Ghosh

MUMBAI

Easy application

The process of applying for my travel insurance policy was simple and quick to complete.

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Frequently Asked Questions (FAQs)

Is travel insurance mandatory for Europe?

Yes, travel insurance is mandatory for most European countries when applying for a Schengen visa. The insurance must provide minimum coverage of €30,000 (Approx. ₹30,50,310) for medical expenses and emergencies. Without valid travel insurance, your visa application will be rejected, making it essential for your European trip.

What are some key tips to remember when travelling to Europe?

Here are some key tips to keep in mind – Always carry valid travel insurance and keep digital copies of important documents. Use public transport for cost-effective travel between cities. Book accommodations and major attractions in advance during peak season. Carry a mix of cash and cards and learn basic local phrases Pack layers for unpredictable weather.

What is the new rule to enter Europe?

Starting from the last quarter of 2026, visitors from 59 visa-exempt countries, including India, will need ETIAS (European Travel Information and Authorisation System) travel authorisation to enter 30 European countries for short stays. This new digital system will require an online application before travelling to Europe. However, Indians citizens will still need a Schengen visa as usual, and only those holding certain qualifying visa types or residence permits from EU countries will be eligible for ETIAS instead of the standard visa application process..

What documents do I need for a Schengen visa application?

Here is a general list of documents you will need – You need a valid passport (minimum 6 months validity), A completed visa application form, Recent passport photos (35mm/45mm). For more information, visit the embassy website of your destination country. Travel insurance proof, flight bookings, hotel reservations, bank statements, An employment letter and an invitation letter if applicable. All documents must be recent and properly attested for successful visa processing.

How much does travel insurance for Europe cost?

Europe travel insurance from IndusInd starts at just ₹306*. The cost varies based on trip duration, coverage amount, age and number of travellers. Individual plans offer basic coverage from $100,000* to a maximum $500,000* for medical expenses, while family plans provide comprehensive protection from $100,000* to $250,000* at affordable rates.

When is the best time to buy European travel insurance?

Purchase travel insurance immediately after booking your flight tickets, preferably at least 15-30 days before departure. Early purchase ensures you get coverage for trip cancellation and protection against pre-departure emergencies that might force you to cancel or postpone your trip. Don't wait until the last minute, as some benefits require advance purchase to be effective.

What are the cheapest countries to visit in Europe?

Eastern European countries like Poland, Hungary, the Czech Republic and the Balkans offer the best value for money. These destinations provide rich culture, beautiful architecture and delicious food at significantly lower costs than Western Europe, making your travel budget stretch further while experiencing authentic European charm. For example, a 7-day budget trip to Eastern Europe can cost as little as ₹30,000-₹33,000* (approximately $350-$385), compared to much higher costs in Western Europe.

What safety precautions should one follow when travelling to Europe?

Here are some precautions to keep in mind – Stay alert in crowded tourist areas and on public transport to avoid pickpockets. Keep important documents secure and carry copies separately. Use hotel safes for valuables. Stay aware of local emergency numbers and your embassy contacts. Avoid isolated areas at night and trust your instincts about suspicious situations. Register with the Indian Embassy in your destination country to receive crisis updates and information about consular services and activities.

What items are not allowed when travelling to Europe?

In hand luggage, liquids like aerosols, drinks, toothpaste and cosmetic creams must be in containers under 100ml, carried in transparent plastic bags (maximum 1 litre capacity). Larger liquid containers must go in checked baggage. Sharp objects, firearms and certain food items are also prohibited.

Can I visit multiple European countries with one visa?

Yes, a Schengen visa allows you to visit all 29 Schengen countries with a single visa. You can move freely between countries like France, Germany, Italy, Spain and others without additional visas. However, you must apply through the embassy of your main destination or the first entry country.

What should I do if I lose my passport while in Europe?

Immediately report the loss to local police and obtain a police report. Contact the nearest Indian embassy or consulate for emergency travel document issuance. IndusInd travel insurance covers up to USD 300* for passport replacement costs, including reissue fees and documentation expenses during your European trip.