Schengen Travel Insurance
Schengen travel insurance – Travel across borders without a second thought!
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Travel insurance for Schengen visa
A visa can open doors. But what happens once you walk through them? While embassies check for compliance, medical cover, policy wording, and evacuation clauses, what you actually need is assurance. Assurance that, when things go off track, there’s someone who knows exactly what to do. Maybe it’s a sudden health scare. Maybe your bag didn’t make it. Maybe your documents went missing. That’s why travel insurance for a Schengen visa is a must-have for your trip. The best travel insurance for a Schengen visa is based on embassy compliance, a policy that checks all the necessary boxes.
The real edge of Schengen travel insurance lies in how well it adapts to challenges that can derail your trip. Whether through a helpline that answers round the clock or a claims process that respects your time. Travel insurance for Schengen visa from Zurich Kotak General Insurance is built for both official and personal peace of mind. It’s fast to claim, approved for visa processing, and deeply tuned to what Schengen regulations demand. Because your journey doesn’t start with immigration, and it certainly doesn’t end with a stamp.
Key features of travel insurance for Schengen visa policy
The best travel insurance is about building confidence before you step onto foreign soil. Here’s why you need to buy travel insurance for Schengen visa from us:
Types of Schengen visas
Regardless of which path you’re on, travel insurance for a Schengen visa fulfils one universal requirement i.e., your safety. Any visa is a commitment, and with the right coverage, you’re prepared. Here are the most common categories, simplified:
Short-stay visa
Designed for brief visits, business trips, or tourism, this is the most common visa. It caps your stay and strictly requires you to buy travel insurance for Schengen visa approval. The insurance must match your full travel window.
Airport transit visa
Even if you don’t technically enter a country, some travellers still need a visa just to change planes. In these cases, the best travel insurance for a Schengen visa offers protection during the most overlooked moments of travel.
Long-stay national visa
This applies when you're staying in one country for a longer period, whether for study, training, or official work. Along with the national coverage, you might also need private travel insurance at the start to bridge that protection gap.
Multiple entry visas
Freedom to re-enter comes with responsibility, your travel insurance for Schengen visa must remain valid throughout the entire period. Even a single day uncovered can jeopardise your approval and delay your re-entry.
Benefits of buying travel insurance for Schengen visa at Zurich Kotak General Insurance
Travel insurance is easy to buy. The real difference lies in what happens after you’ve bought it. Here’s why our policy is designed for real travel realities:
Policy that speaks the embassy language
Our documents don’t just pass visa scrutiny; they align with it. Everything from medical limits to emergency clauses is designed with Schengen compliance built in.
Purchase simplicity, zero complexity
You won’t need to decode fine print or chase approvals. Just by following a few steps, and sharing necessary documents, you will receive your Schengen travel insurance.
Control in your hands with options
You’re not boxed into a rigid plan. You can extend your window with home-to-home protection. Declare pre-existing conditions and opt for add-ons. It’s all a modular plan.
Response that moves when you can’t
Whether it’s hospitalisation, evacuation, or needing a family member beside you. Your travel insurance for Schengen visa steps in with financial and medical support.
Fair, fast claims processing
If you buy travel insurance for a Schengen visa, the claims system with full transparency, minimal back-and-forth needed, and cashless hospital payments where possible.
A Legacy of trust that translates globally
We combine global know-how with local responsiveness. That means you get the best travel insurance for a Schengen visa that’s very fluent in international protocols.
Types of Travel Insurance Plans
Single trip travel insurance provides coverage for a specific journey, protecting against risks. It is ideal for occasional travellers seeking safety for the duration of one trip.
Multi-trip travel insurance offers coverage for multiple journeys within a year, which is ideal for frequent travellers as it ensures protection without the need to purchase separate insurance policy for each trip.
Understanding Travel Insurance terminology
Navigating travel insurance can feel complex, especially with so many unfamiliar terms. To help you make an informed decision, here’s a simple glossary of commonly used travel insurance terms you may come across.
Trip: Your insured journey starting from your departure and ending upon your return to India.
Trip Cancellation: Reimbursement for non-refundable expenses if you cancel your trip due to a covered reason (like illness or natural disasters).
Trip Interruption: Covers costs if your trip is cut short or interrupted due to emergencies.
Trip Delay: Compensation for additional expenses if your flight or journey is delayed beyond a specified duration.
Missed Connection: Covers expenses if you miss a connecting flight due to a covered delay.
Baggage Loss/Delay: Reimbursement for lost, stolen, damaged, or delayed baggage.
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 | |
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 | |
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)
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Travel Insurance Terms You Need to Know about
There's always more to know about travel Insurance
Common carrier means any civilian land, water conveyance or scheduled aircraft operated under a valid license issued by a governmental authority having jurisdiction for the transportation of fare paying passengers under valid ticket.
Trip / Journey means any journey undertaken within Policy Period and which commences when the passenger boards the Common Carrier for onward overseas journey and terminates when he disembarks on return to India or the Policy Period End Date whichever is earlier.
Checked-in baggage mean the baggage entrusted by the Insured and accepted by a Common Carrier for transportation for which a baggage receipt is issued to the Insured by the Common Carrier. This shall exclude all the items that are carried/transported under a contract of affreightment.
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Frequently asked questions about travel insurance for Schengen visa
Of course, you may have more questions related to travel insurance, so scroll down and find your question answered!
Yes, Schengen travel insurance is a mandatory requirement when applying for a visa. Your policy must provide a minimum medical coverage of €30,000 and include emergency medical treatment, hospitalisation, repatriation of remains, and medical evacuation. The insurance must also be valid for the entire duration of your stay and across all Schengen countries.
The process is almost instant. Once you complete the payment and fill out the basic details, the system generates a digital policy certificate in real time. This certificate can be downloaded and submitted immediately with your visa application.
If you have opted for our Visa denial cover, your premium can be refunded (excluding nominal charges) if your visa is rejected, provided the reason is not due to incorrect or false documentation. This optional add-on provides an extra layer of financial safety.
Pre-existing conditions are not covered by default in your travel insurance for Schengen visa. But you can choose an add-on cover at the time of policy purchase. If declared and approved, specified illnesses are covered up to a defined sub-limit. Without declaration, any related claims may be rejected, even in emergencies, so it's best to disclose pre-existing conditions honestly.
Yes, our travel insurance for Schengen visa offers protection against flight delays, missed connections, trip extensions due to medical emergencies, and more. Compensation is provided for eligible disruptions, and extensions in coverage are available if your return is delayed due to hospitalisation or other covered emergencies.
Yes. We offer the best travel insurance for Schengen visa policy that covers all 29 Schengen member states, provided your travel falls within the policy validity. Even if you’re entering and exiting multiple times, just ensure your coverage dates align with your visa duration.
Because our travel insurance for Schengen policy actually works for real travellers. Here’s what makes it stand out:
· 100% Schengen visa compliance
· Instant online issuance of visa-ready certificates
· Modular add-ons like adventure sports and pre-existing cover
· 24x7 emergency assistance worldwide
· Transparent and fast claims process
· Trusted by travellers for a reason: we respond, we act, and we deliver
With Zurich Kotak General Insurance, your insurance isn’t just paperwork, it’s a practical layer of protection from start to finish.
Yes, you can easily buy travel insurance for Schengen visa online from Zurich Kotak General Insurance. Once purchased, your visa-compliant certificate is issued digitally and emailed to you immediately. It is recognised and accepted by all Schengen consulates, making it a fully valid and official document for your visa application.
If you buy travel insurance for Schengen visa from us, the process is simple:
· Notify the assistance provider immediately (within 24 hours for hospitalisations).
· Submit all required documents (bills, reports, tickets, etc.).
· Choose reimbursement or cashless options (cashless available at partnered hospitals).
· Claims are processed promptly, and reimbursements are credited directly to your account once verified.
Claims support is available 24x7, so you’re never alone, no matter where you are.
"Always by your side. Keeping you safe"