Europe Travel Insurance

Features of Travel Insurance for Europe

The travel insurance for Europe from India, offered at 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:

*Please 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.

Best Travel Insurance for Europe: Plan at a Glance

The international travel insurance for Europe offers financial coverage for unforeseen emergencies during your trip. However, to make an informed decision about buying travel insurance for Europe, you should compare policies from various providers before purchasing the best travel insurance for Europe.

At Care Health insurance, for instance, the plan covers airline delays, luggage loss, trip cancellations, etc. Hence, travel insurance for a trip to Europe 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.

*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 for Europe from India promises access to quality medical care, no matter where you are. Below are some top coverage included under our Europe trip insurance:

*Please note that the above-mentioned are just a few pieces of coverage for 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 the 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 thereof.
• 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: The tourist insurance for Europe does not cover claims incurred due to life-threatening activities like fire stunts, road stunts, etc., or anything else not mentioned in the policy documents.
• 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.

Benefits of Travel Insurance for Europe

Travel insurance for Europe provides peace of mind and financial protection while travelling, covering unexpected situations that may arise during your trip. Here are some of the key benefits of Europe trip insurance discussed below:

• Emergency Medical Expenses: The Europe travel insurance covers the cost of medical care if you get sick or injured while travelling, which is especially important if you're visiting a country with high healthcare costs.
• Cancellation Coverage: If you need to cancel your trip due to unexpected events (such as illness or an emergency in the immediate family), insurance can reimburse you for non-refundable losses like flight bookings, hotel stays, and other non-refundable bookings.
• Trip Interruption: If your trip is interrupted by an emergency (such as a natural disaster or sudden illness), insurance can help cover the losses incurred due to the non-refundable bookings. 
• Lost Luggage Coverage: If the airline or transportation provider loses your luggage, insurance can help cover the cost of replacing lost belongings up to a specified limit. 
• Delayed Luggage: If your luggage is delayed, insurance may cover the incurred losses for every set of four hours as per policy terms.
• Compensation for Delays: If your flight is delayed for an extended period, you may be eligible for compensation for accommodation, meals and transportation as per policy terms.
• Accidental Damage or Injury: The medical and travel insurance for Europe can provide coverage if you're held responsible for a third party loss. This helps protect against costly liabilities in a foreign country.
• 24/7 Support: Many insurance policies include a 24/7 helpline for emergency assistance, such as locating medical services, helping with language barriers, or providing travel advisories.

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 India at Care Health Insurance starts from as low as ₹390 for a 24-year-old single traveller on an 07-day long single-trip visit.

Suppose you are visiting Germany for a 07 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:

Factors Affecting the Premium of Travel Insurance for Europe

When purchasing a travel insurance for Europe, you must remember that the premium 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 Europe trip insurance 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 the premium of your tourist insurance for Europe. The shorter the travel days, the less will be the premium you pay.
• Medical History: If you plan on covering a pre-existing disease, the travel medical insurance for trip to Europe 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 Europe 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.

How to Buy Travel Insurance for Europe Online?

What are the Travel Documents Required While Travelling from India to Europe?

If you're planning a trip from India to Europe, you'll need a valid passport and most likely a Schengen visa. Below is a clear list of the important documents you'll need while travelling from India to Europe:

• Passport: Your passport must be valid for at least 6 months beyond your intended return date. You should always ensure that your personal details are correct and match all other documents.
• Schengen Visa: It is required for travel to most European countries that are part of the Schengen Area (like France, Germany, Italy, etc.).
• Travel Insurance: A travel insurance with minimum coverage of €30,000 is one of the mandatory Europe visa requirements.

How to File a Claim Under Travel Insurance for Europe?

How to Apply for a Europe Visa from India?

If you're planning to visit Europe for a vacation, business, or any other reason requiring a short stay of up to 90 days, you'll need a Schengen visa. Here's a detailed, step-by-step guide to help you throughout the European visa process from India:

• Choose the Right Visa Type: Before applying, you should decide on what type of visa is required based on your purpose of visit.
• Select the Country: The Schengen Area consists of 29 European countries, so you'll need to apply through the embassy or consulate of the country where you will spend most of your time. 
• Book an Appointment: Most Schengen countries outsource visa processing to India. Visit the outsourcing association's website, such as VFS Global, to book a visa appointment.
• Gather Required Documents: Collect all the required documents, such as a visa application form, passport, recent photographs, a travel itinerary, proof of financial means, and travel insurance, etc.
• Attend the Visa Appointment: Go to the consulate on your appointment day with all documents. Submit your biometrics (fingerprints), documents and pay the fee.
• Track Your Application: You can track the status online. Europe visa processing usually takes 15 working days, but it may vary depending on the embassy and season.

Documents Required for Europe Visa for Indians

You can receive your Schengen visa for Europe without a hitch if you assemble all the required documents as requested by the embassy. The documents required for European visa application are mentioned as follows:

• 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.
• Proof of the complete trip itinerary.
• A proof of travel health insurance for Europe with enough sum insured. 

Europe Safety and Travel Precautions

Travelling to Europe offers incredible experiences, but it is important to stay prepared for unforeseen hassles. Here are key safety tips and precautions to ensure a smooth and secure journey:

• Stay Aware of Local Laws: Research the laws of the country you're visiting, especially regarding alcohol, smoking, and driving regulations. Different countries in Europe may have different rules.
• Travel Insurance: Travel health insurance is among the mandatory Europe visa requirements. You must ensure that you have a minimum coverage of €30,000 so that you do not get stranded amidst a financial emergency during your stay abroad.
• Keep Your Documents Safe: Keep your passport, visa, and other important documents in a safe place. It is also a good idea to carry photocopies and store digital copies online.
• Money Safety: Avoid carrying large amounts of cash. Use credit/debit cards, but keep some cash in local currency for emergencies.
• Emergency Numbers: Learn the local numbers (like 112 for general emergencies in the EU) for medical, police, or fire emergencies.
• Respect Cultural Differences: Be mindful of local customs and traditions. In some European countries, tipping may be expected, while in others, it is optional.

List of International Airports in Europe

Europe is home to several major international airports that connect travellers to destinations worldwide. Here's a list of the top airports and the cities they serve:

Tourist Places You Can Visit in Europe

Europe is home to an incredible diversity of landscapes, cultures, and historical sites. Here are some must-visit tourist places in Europe that offer a unique blend of attractions:

• Paris, France: Paris is undoubtedly one of the world’s most iconic cities, known for landmarks like the Eiffel Tower, the Louvre Museum, and the picturesque Montmartre district.
• Rome: It is a treasure trove of ancient history, with breathtaking landmarks such as the Colosseum, the Roman Forum, and Vatican City.
• Barcelona, Spain: Barcelona is famous for its unique architecture by Antoni Gaudí, including the Sagrada Familia and Park Güell, as well as its lively beaches and vibrant food scene. 
• Prague, Czech Republic: It is a city full of charm, offering stunning Gothic and Baroque architecture, medieval castles, and lively squares. The Prague Castle and Charles Bridge are especially popular attractions.
• Athens, Greece: It is where ancient history comes alive through the Acropolis and its temples, making it a top destination to explore., Just be sure to secure your trip with Greece travel insurance for peace of mind during your trip.
• Berlin, Germany: It is a dynamic city where history and modernity meet, explore the Berlin Wall, world-class museums, and vibrant nightlife, all while staying protected with Germany travel insurance.

Currency and Foreign Exchange

Currency and foreign exchange in Europe can vary depending on the country you're visiting, as not all European countries use the same currency. But, the common currency used is the Euro in most European regions.

Things to Do On Your Trip to Europe

Europe has so much to offer to avid travellers. This old continent holds beaches, magnificent architecture, excellent 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 with baroque houses, vivid churches, lively pubs, and hidden terraces.

Witness the Legacy of England

England is a countryside retreat for foreign travellers. Here, you can witness the legacy of the 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.

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 very helpful and polite.

Wander Along with the Wide Streets in Belarus

Belarus has wide boulevards and impressive architecture that invite you to take a walk and explore.

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, travelling 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 an unforeseen event dampen your excitement, get insured on time, and relish your European trip.