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Europe Travel Insurance

Europe Travel Insurance

Your trip to Europe can be a cherishing experience if your travel insurance for Europe helps you pack a worry-free backpack. Ideal travel insurance ensures that you have the following coverage.

  • Adequate medical coverage with coverage for emergency hospitalisation
  • Region-specific plan to suit your unique needs
  • Coverage for medical evacuation and return in case of emergency
  • Non-medical coverage to rescue you in times of non-medical emergencies
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Cover Your Trip to Europe with Travel Insurance for Europe

Europe is one of the most visited destinations among the globetrotters from across the world. The continent amalgamates countries with architecture, monuments, cultures, hills, food, snow, and fashion.

From exploring colourful villages to shopping in high-end malls, there are many things you can do while on vacation in Europe. However, travelling to an alien land can come with uninvited mishaps, no matter how well you plan your trip. Thus, you should have travel insurance to ensure these unforeseen events do not spoil your trip.

Is it Mandatory to Have Travel Insurance to Visit European Countries?

Yes, medical travel insurance is a must document that you should have in place if you plan a trip to Europe and wish to apply for a Schengen visa. Considering the immediate need for finances that may arise in a foreign land, the European government has mandated travellers worldwide to travel with international travel insurance in place. Moreover, even in countries where insuring yourself is not mandatory, purchasing travel medical insurance to get much-needed coverage for unexpected medical or non-medical emergencies en route can be a wise option.

What Are the Features of Travel Insurance for Europe By Care Health Insurance?

The travel insurance for Europe from India bought from Care Health Insurance is specially designed to cover the unique travel-related needs of the insured members. Below are a few features of Care Health Insurance’s Europe travel insurance:

  • Budget-friendly Premium:The Explore plan for Europe at Care Health Insurance is designed to provide essential coverage at an affordable premium.
  • Compensation for Uneventful Death:In case of an uneventful death of an insured member during the travel, the travel insurance compensates the nominee with a financial backup.
  • Cashless Claim Settlement:Whenever a health emergency hits, you may access a cashless travel insurance facility throughout our network of hospitals worldwide.
  • Complete Security:A medical or non-medical emergency can strike at anytime however, you do not have to worry if you have international travel insurance from Care Health Insurance to your aid throughout the journey.
  • Seemless Policy Extension:You can extend your Europe travel insurance online if any unforeseen emergency occurs in a foreign land. The automatic trip extension may be affected by the terms & conditions of the plan.

*Pease note that the above-mentioned features of the plan may change without prior notice to the readers. Please read the policy documents carefully for the latest updates and details on unique features.

Travel Insurance for Europe- Plan at a Glance

Care Health Insurance offers comprehensive travel insurance for either of the European countries under the “Explore Europe”.

Explore Europe is an exclusively designed policy that takes care of your travel-related needs while travelling. However, to make sure you make an informed decision while buying travel insurance for Europe, you should compare travel insurance from various insurance providers before purchasing.

At Care Health insurance, for instance, the plan covers airline delays, luggage loss, vacation cancellations etc. Hence, travel insurance is a smart option if you are looking for all-in-one coverage. You can even buy travel insurance online through our website without any hassle of approaching the agents.


Description Explore Europe

Sum Insured

€ 30K & 100K

Trip Options

  • Single Trip
  • Multi-trip (Policy will be on an annual basis)



Entry Age (Single Trip)

Minimum: Child- 1Day; Adult - 18 Years

Maximum: Child- 24 Years; Adult - Lifelong

Entry Age (Multi-trip)

Minimum: Child- 1Day; Adult - 18 Years

Maximum: Child- 24 Years; Adult - Lifelong

*Family option is only available on Single Trip Policies. Please refer to the prospectus for more details on eligibility.

What is Covered under Care Europe Travel Health Insurance?

While providing comprehensive coverage, our travel insurance from India to Europe promises access to quality medical care, no matter where you are. Below are some top coverage included under our Europe travel insurance:

  • Emergency Hospitalization: The policy covers any emergency illness or injury treatment expenses, with in-patient and out-patient care hospitalisation benefits.
  • Daily Allowance: You can get reimbursement up to a specified amount for the additional expenses incurred during hospitalisation up to a specified period.
  • Compassionate Visit: When an insured member is ill, we support your need by reimbursing the flight ticket costs of an immediate family member as per policy terms.
  • Personal Accident: In the unfortunate event of the insured’s death or permanent total disability, the policy offers a lump sum payout up to the sum insured.
  • COVID-19 Coverage: The policy covers standard medical expenses to protect you from COVID-19 treatment costs in a foreign land, subject to policy terms.
  • Trip Delay & Cancellation: Worry not during trip delays, interruptions, and cancellations as we cover the related expenses under defined situations per the policy’s terms and conditions.
  • Delay & Loss of Checked-in Baggage: We ensure protection against checked-in baggage loss and delay at the airport with a coverage of up to a specified amount under the policy.
  • Loss of Passport & International DL: We cover you for loss of passport and international driving license in a foreign land by paying a fixed amount as per policy terms.

*Please note that the above-mentioned are just a few coverages of Europe travel insurance. For complete details on the coverage, please refer to the policy documents.

What is Not Covered under Travel Insurance for Europe

Care Health Insurance’s travel insurance for Europe does not offer coverage in the following scenarios:

  • Drug Misuse: Expenses incurred due to use/ misuse/ overuse/ abuse of drugs and sedatives shall not be covered during the trip.
  • World War: The Europe travel insurance shall not cover expenses arising from national or international war, nuclear perils, or consequences.
  • Self-inflicted Injury: Any expenses incurred due to intentional self-injury, suicide attempt, or any other form of self-harm leading to hospitalisation or death.
  • Hazardous Activities: Any claims incurred due to life-threatening activities like fire stunts, road stunts etc., or otherwise not mentioned in the policy documents shall not be covered in the travel insurance plan.
  • Breach of Law: Liability arising from any breach of law or particular regulations set by the destination country shall not be covered in the travel insurance plan.
  • Dental Treatment: Any planned dental treatment or surgery expenses unless necessitated due to any acute pain.

Note: Plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

What is the Premium of Travel Insurance for Europe?

To calculate the premium of Care health insurance’s travel insurance for Europe, you can take the help of the travel insurance premium calculator available online. The premium of the plan may vary depending on the factors such as the insured member's age, the trip's destination, trip duration, and the type of coverage selected.

The premium of travel insurance for Europe from Care Health Insurance is specially designed to ensure that you get adequate coverage at an affordable premium. The plan’s premium shall start from as low as ₹678 for a 30-year-old single traveller on an 11-day long single-trip visit.

Suppose you are visiting France for an 11-day-long, one-time visit. In such a case, the premium of Schengen travel insurance or Travel Insurance for Europe can be calculated considering the following factors:


Insured Member(s) Age Any Pre-existing Disease Sum Insured Policy Duration Premium Amount (approx.)
1 30 years No € 1000 11 Days ₹678*

*The above-mentioned insurance premium is calculated subject to no pre-existing medical conditions suffered by the insured. Also, the premium amount is subject to change if the insured person has already claimed any travel policy before.

Factors Affecting the Premium of Travel Insurance for Europe

To enjoy every moment of your European trip, you should buy travel insurance after considering your unique needs. Remember, the travel insurance premium you buy may be affected by many factors.

Suppose you are buying travel insurance for senior citizens, then the coverage for pre-existing medical conditions may affect the premium of the travel insurance plan. Likewise, here are a few factors that affect the travel insurance premium:

  • Nature of the Trip: Whether you are planning a single-trip or multi-trips in a year, the type of plan you buy to cover your trip(s) will affect the premium of travel insurance for Europe from India.
  • Vacation Duration: Your vacation duration significantly impacts your travel insurance premium. The shorter the travel days, the lesser will be the premium you pay.
  • Medical History: If you plan on covering a serious illness or a pre-existing disease, the travel medical insurance premium may get affected.
  • Type of Coverage: The policy’s coverage greatly affects a plan's premium. The higher the coverage higher would be the travel insurance premium. Hence, you can consider deducting unnecessary coverage to ensure that you do not have to pay a high premium. Suppose you are buying student travel insurance, you can consider deducting coverage for pre-existing diseases given that you do not have any.
  • Know the Claims Procedure: Make sure you understand the process for notifying the claims team.

How to File a Claim Under Travel Insurance for Europe?

claim process claim process

Types Of European Visa

The visa granted to travellers to visit any country in Europe is known as Schengen visa. A Schengen visa allows travellers to visit any country in the Schengen region. However, there are three main types of Schengen visas based on the purpose of travel:

  • Uniform Schengen Visa: A Uniform Schengen visa allows travellers to visit or reside in any Schengen region country for a maximum of up to 90 days.
  • Limited Territorial Validity Visa: Applicants of LTV visa are allowed to travel to the Schengen region country as specified at the time of visa application. Suppose you have applied for a Limited Territorial Validity visa and have specified your visit to France at the time of visa application. Then you can only visit France with an LTV visa.
  • National Visa: National Visas for Schengen regions are for travellers who wish to study, start a business or take up permanent residence in a Schengen region country.

What Are the Documents Required to Apply for a European Visa?

You can receive your Schengen visa for Europe without a hitch if you assemble all the required documents asked as per the embassy. The documents you should have at the time of Schengen visa application in India are as under:

  • A duly filled visa application form.
  • An original and a Xerox copy of your Indian residential passport.
  • Birth certificate, Marriage certificates, etc.
  • Proof of accommodation in the destination country such as bookings of hotels or address of a family member or friend where you are supposed to stay.
  • The proof of complete trip itinerary.
  • A proof of travel health insurance with enough sum insured etc.

Things to Do On Your Trip to Europe

Europe has so much to offer to avid travellers. This old continent holds beaches, magnificent architecture, amazing wine, and mouth-watering authentic European cuisine. Whether you are backpacking Europe for a few months or just spending a few days on vacation, here are some places that you must visit:

Go to Lithuania

Lithuania is one of the most beautiful European countries. Its capital Vilnius is an eye-pleasing city that has baroque houses, vivid churches, lively pubs, and hidden terraces.

Witness the Legacy of England

England is a countryside retreat for foreign travellers. In England, you can witness the legacy of empire and parliamentary democracy. It is a green and pleasant land with rumpled hills, chalk cliffs, and breezy plains. England encompasses everything from music to shopping, fun, and food that you can enjoy.

Experience the Warm Hospitality of Ireland

With breath-taking landscapes and fascinating views of nature Ireland is a small island with warm hospitality. People welcome you with an open heart and are also very helpful and polite.

Wandering along with the wide in Belarus

The Soviet-style boulevards and spectacular architecture make you wander along the wide in Belarus.

Relish in Azerbaijan

From great food to beautiful small old towns, Azerbaijan is a wonderful country in Europe. Located at the crossroads between Europe and Asia, it is a mix of different cultures.

So, Europe can be an endless joyride for you. But, traveling to foreign countries without international travel insurance could prove a costly affair. Care Health Insurance offers travel insurance for Schengen and Non-Schengen countries to secure your journey. So, do not let anything dampen your excitement, get insured on time, and relish your Europe trip.

FAQs on Europe Travel Insurance

Q. Can Business Travellers Buy a Europe Travel Insurance Policy?

Yes, if you are travelling to Europe, you can cover your trip with a travel insurance for Europe. Moreover, if you travel to Europe frequently, you can opt for a multi-trip travel insurance plan.

Q. How much does Europe travel insurance cost?

Your travel insurance premium for Europe may vary depending on various factors. Thus, to know the exact premium for your unique travel-related needs it is best to use the travel insurance premium calculator.

Q. Can I Travel to Multiple European Countries With the Same European Visa?

Yes. given that you have purchased a Schengen visa without Limited Territorial Validity, you can visit any Schengen region (European continent) country on a single visa.

Q. How long does it take to process a European Visa?

Under normal circumstances, it may take 10-15 working days for you to receive your Schengen visa. However, if there are any complications in the visa application process, the time taken may vary.

Disclaimer: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

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