What's covered under travel insurance for Schengen visa?
A Schengen visa is your gateway to diverse countries. Our travel insurance for Schengen visas is built with the seriousness of regulatory practices and the compassion of real-world experience.
Inclusions of Schengen Travel Insurance |
Emergency medical expenses | Accidents or sudden illness while abroad? Whether you need hospitalisation, outpatient care, diagnostic tests, or pharmacy bills covered, we’ve got it included. Mental illness conditions are also covered up to specified limits. |
Medical evacuation & repatriation | If you need to be moved to a better-equipped hospital or worse, repatriated in case of death, our Schengen travel insurance covers transportation, medical supervision during transit, and local burial costs if required |
Relief for dental pain or injury | Sudden dental emergencies during travel (injury or acute pain) are covered in your travel insurance for a Schengen visa with clearly specified conditions. This ensures that essential care is provided without unexpected bills. |
Daily allowance during hospitalisation | If you're hospitalised, the best travel insurance for a Schengen visa will provide daily compensation. This takes care of incidental expenses that may not be medical but still matter. |
Compassionate visit by a family member | If you’re hospitalised for over five days with no one to support you, buy travel insurance for a Schengen visa that covers the round-trip travel and stay for a family member to be by your side. |
Adventure sports coverage (Optional) | Want to engage in non-professional adventure activities? It is covered as long as it's under professional supervision and as per policy rules. |
Home-to-home coverage | This unique add-on extends your travel insurance for the Schengen visa policy six hours before departure and six hours after return, offering protection even during your domestic airport runs. |
Extension for ongoing hospitalisation | Still hospitalised after your return ticket date? We’ll continue covering your treatment for up to 30 days after your policy ends if the claim is accepted. |
Pre-existing disease cover (Optional) | Available as an upgrade in your travel insurance for a Schengen visa, this allows you to declare pre-existing conditions upfront and get them included with specific limits. |
Cashless facility & global assistance | With our international assistance provider network, you can access emergency medical care without upfront payment, just focus on recovery. |
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Exclusions of Schengen Travel Insurance |
Undeclared pre-existing conditions | Any existing illness or condition not declared during purchase won’t be covered under Schengen travel insurance except emergency stabilisation for life-threatening events, capped at specific limits. |
Cosmetic, routine & elective treatments | Our travel insurance for Schengen visa does not cover planned medical procedures, cosmetic surgeries, spa-based therapies, or treatments that can wait till you are home. |
Pregnancy, childbirth & fertility treatments | Any costs related to normal or complicated delivery, IVF, abortion, or related reproductive health issues are excluded, except for medically proven, life-threatening ectopic pregnancies. |
Injuries due to risky or irresponsible behaviour | Even the best travel insurance for a Schengen visa doesn’t cover self-harm, substance abuse, reckless driving without a licence, and not following safety instructions during adventure sports claims. |
Non-allopathic & experimental treatments | Treatments outside mainstream modern medicine, including homeopathy, unlicenced therapies, or experimental procedures aren’t part of travel insurance for Schengen visa policy. |
Professional & semi-professional sports injuries | If you buy travel insurance for a Schengen visa, only recreational adventure sports under supervision are covered as an add-on. If you’re playing professionally, that’s not included unless specifically opted and endorsed. |
Ignoring medical advice or travel warnings | If you’ve been advised against travel or fail to take recommended vaccinations for your destination, your claim may be declined. |
Personal comfort & non-medical costs | Items like luxury room upgrades, toiletries, TV rentals, guest meals, or souvenirs during hospitalisation are not reimbursable. |
Failure to report claims properly | Delayed reporting or bypassing the assistance provider can result in reduced claims. Timely intimation is needed in your travel insurance for a Schengen visa. |
How to buy travel insurance for a Schengen visa online?
Zurich Kotak General Insurance has designed an online journey that mirrors how travel should feel i.e., fast, smooth, and fully in your control. Here’s how to buy travel insurance for Schengen visa in just a few steps:
Step 1: Select your plan
Whether you’re travelling solo or with family, for a week or a month, our policy options are tailored for every travel type. Schengen travel insurance coverage comes pre-structured to meet all embassy norms, including medical emergency protection, repatriation cover, and a minimum sum insured of €30,000.
Step 2: Fill out basic information
No long forms. No unnecessary details. Just your travel dates, destination, and passport info. Our intuitive interface does the rest, suggesting the most relevant plan based on your needs.
Step 3: Choose add-ons, if needed
Need cover for adventure sports? Pre-existing conditions? You can customise your plan with optional riders. No hidden complexities involved in your travel insurance for Schengen visa policy.
Step 4: Make payment and download policy
Instant premium quote. Secure payment gateway. A visa-compliant certificate delivered to your inbox within minutes. Ready to submit to any embassy, anytime.
Bonus: Your travel insurance for Schengen visa policy is linked with our 24x7 international support network. So, buying it online is not the end, it’s the start of something reliable.
How do you claim travel insurance for Schengen visa?
The best travel insurance for Schengen visa policy is judged when you need it the most. That’s why our claims process is built for real-world ease and empathy. Here’s how you can raise a claim:
Step 1: Notify us immediately
As soon as something unexpected occurs, inform our assistance service provider. For medical emergencies, this step is essential to activate cashless care or coordinated evacuation.
· Emergency hospitalisation: Report within 24 hours.
· Planned procedures: Inform us at least 5 days in advance.
· Other claims (e.g., lost passport, baggage delay): Notify within 30 days.
Step 2: Submit required documents
Each type of claim has a defined checklist, medical bills, hospital records, ticket copies, police reports (for theft), etc. These will help you process claims swiftly and accurately. Don’t worry, you’ll be guided at every step when you buy travel insurance for Schengen visa from us.
Step 3: Choose reimbursement or cashless (If applicable)
· Cashless facility: Available for hospitalisation via our network of international partners.
· Reimbursement: Pay upfront, send us the documents, and we’ll settle the claim as per your travel insurance for Schengen visa policy terms.
Step 4: Get paid promptly
Once approved, your claim is settled directly in your bank account in a timely manner. Just straight-through processing.
Visa procedure for Schengen countries
Applying for a Schengen visa displays your travel intent, credibility, and preparation. While embassies differ in how they receive applications, the core process remains the same as mentioned below:
Step 1: Identify your visa type
Whether you're applying for a short stay, long stay, or transit visa, your reason for travel determines the application route. The best travel insurance for Schengen visa must match your travel duration and purpose.
Step 2: Schedule an appointment
You’ll need to book a time slot at the embassy or a designated visa application centre. Apply well in advance at least 15 days before departure. Submitting late or missing appointments is among the top reasons for rejection.
Step 3: Organise your documents
Ensure your paperwork is watertight. The most commonly rejected applications are those with missing or mismatched documents, particularly without proof of travel insurance for Schengen visa.
Step 4: Submit and attend the interview (If required)
Depending on your travel history, you may be required to attend an in-person interview. Be prepared to explain your trip’s purpose and show supporting documents.
Step 5: Wait for the decision
Processing usually takes 15 working days. In the meantime, your Schengen travel insurance remains valid and refundable in case of visa denial, provided you’ve opted for the optional Visa Denial Cover.
Documents required for the Schengen visa
When it comes to applying for a Schengen visa, perfection is a preference. Even a minor gap in documentation can delay or derail your travel plans. Here’s what you must keep ready:
Core documents:
· Completed visa application form (signed and dated)
· Valid passport (with at least 2 blank pages, issued within the last 10 years, and valid for 3 months beyond your return date)
· Two recent passport photos (as per embassy guidelines)
· Travel insurance for Schengen visa certificate
· Must include:
· Minimum cover of €30,000
· Emergency medical, evacuation, and repatriation cover
· Valid throughout the Schengen area and the entire duration of the stay
Travel-related documents:
· Proof of accommodation (hotel bookings, host invitation letters, etc.)
· Travel itinerary (flight bookings, local transport details)
· Proof of financial means (bank statements, sponsorship letters, etc.)
· Cover letter (explaining the purpose of travel and itinerary)
