If you're planning a trip to Europe in 2025, securing a Schengen visa is essential. But there's one crucial requirement travelers often overlook — travel insurance. To get your visa approved, you need a travel insurance policy that meets Schengen area standards.
In this post, we review the top 5 travel insurance plans for Schengen visa in 2025, covering everything from pricing to key benefits.
✅ What Are the Schengen Travel Insurance Requirements?
To be eligible for a Schengen visa, your travel insurance must:
Cover minimum €30,000 (approx. $32,500) in medical expenses
Be valid throughout the entire Schengen Area
Cover the entire duration of your stay
Include emergency medical evacuation and repatriation
? Top 5 Travel Insurance Plans for Schengen Visa in 2025
1. TATA AIG Travel Guard – Europe Plan
Medical Coverage: Up to $500,000
Premium: Starting from ₹450 for a 7-day trip
Why It’s Great: Wide coverage, includes COVID-19 protection, and accepted by all Schengen consulates.
Bonus: 24/7 assistance and digital policy copy for easy embassy submission.
2. Bajaj Allianz Travel Insurance – Schengen Plan
Medical Coverage: Up to €100,000
Premium: Approx. ₹500–₹650 for 7 days
Why It’s Great: Tailored specifically for Schengen visa applicants with high approval rates.
Features: Covers emergency medical evacuation, repatriation, and personal accident.
3. Religare (Care Health) Explore Europe Plan
Medical Coverage: Up to $100,000
Premium: Starting at ₹400 for a 7-day trip
Why It’s Great: Affordable with extensive coverage for students, tourists, and families.
Extra Benefits: Personal liability, trip cancellation, and COVID-19 treatment.
4. HDFC ERGO Travel Insurance – Schengen Plan
Medical Coverage: Up to €50,000
Premium: ₹550 for a 7-day trip (approx.)
Why It’s Great: Hassle-free online policy generation and cashless claims network across Europe.
Ideal For: Budget-conscious travelers with excellent customer support.
5. ICICI Lombard – Single Trip Europe Insurance
Medical Coverage: Up to $500,000
Premium: Around ₹600–₹800 for a 7-day trip
Why It’s Great: Quick issuance, global claim support, and covers loss of passport and baggage.
Bonus: Covers adventure sports injuries under certain conditions.
✈️ How to Choose the Best Schengen Travel Insurance?
When comparing plans, consider:
Embassy Approval Rate: Make sure it’s accepted by all Schengen embassies
Medical Coverage: Minimum €30,000 is required, but more is better
Add-Ons: COVID-19 coverage, baggage loss, personal liability
Digital Policy: Instant policy generation and download
Claims Process: Choose insurers with 24/7 global claim support
? Final Thoughts
Travel insurance isn’t just a Schengen visa requirement — it’s peace of mind. With medical costs in Europe being high, having a trusted insurer can save you from serious expenses. These top 5 plans in 2025 combine reliability, affordability, and embassy-compliant coverage to make your European journey stress-free.
