Travel insurance is not just a smart precaution for a European trip — for Schengen visa applicants from India, it is a legal requirement.

The Schengen minimum

Schengen rules require medical coverage of at least 30,000 euros, valid across all member states, covering emergencies and repatriation.

Look beyond the minimum

Savvy travellers check for coverage of trip cancellation, lost baggage, adventure activities and pre-existing conditions. The cheapest policy is rarely the best value when something goes wrong far from home.

Always carry both a digital and printed copy of your policy, along with the insurer’s 24-hour emergency contact number.