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Travel Insurance for Schengen Visa from India in 2026: Types, Costs, & Process to Buy

Lakshmi Lakshmi

7 min read

Updated On

 Travel Insurance for Schengen Visa from India in 2026: Types, Costs, & Process to Buy

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Frequently Asked Questions

Does Europe travel insurance cover pre-existing medical conditions?

Generally, the Schengen travel visa insurance does not cover pre-existing medical conditions. However, there are exceptions, like if a life-threatening emergency requires hospitalisation during your trip.

How much insurance coverage do you need for a Schengen Visa?

You generally need a minimum coverage of EUR 30,000 per person for a Schengen Visa. The policy also must cover emergency medical care, hospitalisation, and repatriation throughout your entire stay in the Schengen countries.

Can I buy travel insurance for a Schengen visa after departure?

No, you cannot purchase travel insurance for a Schengen Visa post-departure. Most issuers require you to purchase travel insurance before leaving your home country; however, some might offer limited post-departure options, but at a very steep price and with stricter terms.

Can I cancel my travel insurance if my Schengen Visa is rejected?

Yes, most of the insurance providers offer a full refund in case your Schengen visa is rejected, given that you submit proof of your Schengen visa rejection before your policy start date.

Do children and senior citizens need separate travel insurance policies?

Yes, children and senior citizens need separate travel insurance policies, since premiums and coverage differ by age. Hence, children, adults, and seniors should have individual travel insurance plans to ensure adequate protection.
Lakshmi

Lakshmi

Sr. Content Marketing Specialist

Lakshmi has been working as Sr. Content Marketing Specialist with GetGIS since 2022 and has been extensively working to help candidates’ career transitions. Her experience spans across multiple industries in the fields of Sales and Marketing. Her core competencies include communication and research, which enable her to create and deliver in-depth guides as a Subject Matter Expert

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