Travel Insurance For Europe From India 2025
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Introduction

Travel Insurance for Europe

Boasting a blend of rich history, iconic cities, and stunning landscapes, Europe is one of the most-visited regions in the world. From the art and architecture of Rome and Paris to the hidden gems like Prague and Cologne, the continent never fails to impress travellers. What’s more, Europe’s famous cuisine, coffee culture, and wine are as diverse as the region itself.

Key Features of Europe Travel Insurance

No Age Limit Coverage

Planning a trip later in life and worried about pre-existing conditions? Don’t worry — our TripSecure+ plan provides comprehensive coverage for everyone, from infants to senior citizens up to 80 years old.

Tailored Coverage

We know every traveller has unique needs. That's why we offer flexible coverage options, allowing you to customise your plan and only pay for the protection you truly need.

Cashless Treatment

If you face a medical emergency in Europe, there’s no need to worry about upfront costs. With our network of partner hospitals worldwide, you can receive cashless treatment without paying the bills from your pocket.

Cruise Protection

Planning a dream cruise in Europe with your loved one? If your cruise is cancelled or you fall ill during your voyage, we will reimburse you for the same.

Fast Claims Process

If you encounter an issue while travelling, there’s no need to stress! Simply open the ILTakeCare App on your smartphone to initiate your claim — it's that easy.

Types of Travel Insurance for Europe

Single-trip travel insurance

Single-trip Travel Insurance

If you are planning a dream vacation to Europe with your loved ones, protect your journey with our single-trip travel insurance and embark on your journey with confidence. Our comprehensive plan covers over 50 unexpected events, ensuring peace of mind throughout your trip.

Multi-trip travel insurance

Multi-trip Travel Insurance

We understand that the unparalleled charm of Europe may entice you to visit multiple times a year. In this case, our multi-trip travel insurance ensures year-round coverage, saving you from the hassle of buying a new policy for every trip.

Benefits of Buying Travel Insurance for Australia

Benefits of Buying Travel Insurance for Europe

  • 1Medical Coverage

    Medical emergencies can strike unexpectedly, but with our travel insurance, you will be covered for emergency dental treatments, expensive hospital bills, medical evacuation, and, in the case of unfortunate death, repatriation of mortal remains. You can travel with peace of mind and confidence, knowing you are fully covered.

  • 2 Baggage Protection

    If your baggage gets lost or delayed, don’t worry. We will reimburse the cost of purchasing essentials, like clothing and toiletries, so you can carry on with your journey without disruption.

  • 3 Travel Protection

    If you need to cancel or shorten your trip to Europe due to a family emergency or other unforeseen circumstances, we will cover your trip cancellation and interruption fees.

  • 4 Other Benefits

    Our travel insurance policy also covers lost Passports, personal liabilities, trip extensions, car rentals, and more, providing you with the financial support you need in times of uncertainty.

What’s Covered Under Travel Insurance for Europe from India

  • Inclusions
  • Exclusions

  • Medical Coverage

    Travel stress-free knowing that our travel insurance for Europe will cover your medical expenses, from hospital bills and emergency dental care to medical evacuation if necessary.

  • Flight Delays and Cancellations

    Flight cancelled or delayed? Don’t worry! We’ll reimburse you for non-refundable bookings, so you won’t have to cover the cost from your pocket.

  • Trip Interruption

    If you have to cut your trip short due to an unforeseen event, we’ll pay for your return flight to India and also the non-refundable prepaid expenses.

  • Baggage Loss or Delay

    Lost or delayed luggage can cause inconvenience and unexpected expenses while travelling. If your baggage is lost or delayed, we’ll cover the cost of essential items like clothing and toiletries, ensuring you can continue your trip without disruption.

  • Emergency Hotel Extension

    If your stay in Europe is unexpectedly extended, we’ll cover the extra accommodation costs, helping you to ease your financial burden during the extended period.

  • Adventure Sports Coverage

    Looking forward to adrenaline-pumping adventure sports like hiking, trekking, rock climbing, mountain biking, kayaking, or paragliding in Europe? We’ve got you covered with medical expense protection for any accidents that may occur during these high-risk activities.

  • Injuries resulting from criminal activities are excluded from coverage under this policy.

  • If you remain in Europe for more than 90 days on an immigrant visa, the insurer will not honour any claims for incidents that are otherwise covered.

  • Claims arising from events such as war, rebellion, war, nuclear accidents, or contamination are not covered.

  • Injuries caused by intoxication or suicide attempt will void your travel insurance coverage.

  • Conditions such as stress, depression, or venereal diseases are not eligible for coverage under this policy.

  • If the claim amount is less than the deductible of your travel insurance policy, the insurer will not process the claim.

Policy documents:

How to Buy the Best Travel Insurance for Europe Online?

Skip the paperwork and long waits with instant coverage for your trip to Europe in four simple steps:

  • Share

    Submit your basic details here and contact information to receive an instant quote.

  • Pick

    Select a travel plan that suits your needs and preferences.

  • Pay

    Finalise your payment securely through our trusted payment platform.

  • Policy

    Get immediate coverage for your trip to Europe and travel with confidence.

What is Travel Health Insurance

What is Travel Health Insurance for Europe?

Travel insurance for Europe provides essential protection against unexpected events during your trip, such as an illness or accident. Without coverage, the high cost of medical treatment abroad can quickly deplete your travel budget. However, with the right travel health insurance, you won’t need to worry about covering these expenses out of pocket. Whether you require hospitalisation or emergency dental care, your travel insurance for Europe from India ensures you are protected against a wide range of healthcare costs.

More than just medical expenses

In addition to medical bills, a travel medical insurance policy covers the cost of a compassionate visit from a family member. If there is a medical emergency and you are hospitalised in Europe for an extended period, the insurer will cover the costs of having a loved one, ensuring must-needed emotional support during your recovery.

Emergency medical evacuation

If there is a medical emergency that requires immediate evacuation for specialised care, your travel health insurance for Europe will cover the costs involved, ensuring you receive the best treatment without the financial burden.

Coverage for pre-existing conditions with TripSecure+

Unlike standard travel insurance policies, TripSecure+ offers coverage for pre-existing medical conditions like heart disease, high blood pressure, and diabetes, ensuring peace of mind to travellers with existing health concerns.

Interesting Facts About Europe

  • Russia is the largest country in Europe, while the Vatican City is the smallest one.

  • The Eiffel Tower, Notre-Dame Cathedral, and Louvre Museum are the most visited attractions in Paris.

  • Europe is home to more than 500 UNESCO World Heritage Sites.

  • Iceland does not have mosquitoes due to its cold climate and unique ecosystem.

  • Brussels Airport is one of the biggest hubs for chocolate sales in the world.

  • St. Peter’s Basilica in Vatican City is the largest church in Europe.

  • Denmark is considered to have the oldest continuous Monarchy in Europe. The Danish Monarchy dates back to the 10th century.

  • The Czech Republic has over 2000 castles and chateaux, more than any other country in Europe.

  • Norway has the longest coastline in Europe.

  • The Lakhta Centre in St. Petersburg, Russia, is the tallest building in Europe.

Visa Procedure for Europe

If you are visiting Schengen countries in Europe, the following is the procedure to apply for a Schengen visa —

  • 1

    Identify the appropriate visa type

    • Short-stay Schengen Visa (Type C):This visa is for short-term visits, such as tourism, business, family visits, or other stays up to 90 days.
    • Long-stay Schengen Visa (Type D): This visa is for stays longer than 90 days, typically for purposes such as study, work, or family reunification.
  • 2 Download the Schengen visa application form online or obtain it from a visa application centre. Fill it out completely and accurately.
  • 3 Book an appointment with the consulate or visa application centre. Attend the appointment on the scheduled date, bringing all required documents with you.
  • 4 Pay the standard fee of INR 8,200 for a short-stay tourist visa (up to 90 days).
  • 5 After submitting your application, you will be informed about the next steps. The processing time is typically around 15 days.
  • 6 Upon arrival at the airport in Sri Lanka, present the ETA approval notice and other required documents at the immigration counter, where an official will stamp your Passport.

The visa process for non-Schengen countries, such as UK, Ireland, and Albania, may vary depending on the country you are visiting. However, the following general steps and requirements apply to most non-Schengen countries in Europe —

  • 1 Determine the type of visa you need, such as short-term or long-term.
  • 2 Check the visa requirements for the country you plan to visit.
  • 3 Gather required documents, such as a completed visa application form, valid Passport, passport-size photographs, and proof of accommodation.
  • 4 Schedule an appointment at the nearest embassy or consulate. Arrive on the designated date and submit your visa application along with the required supporting documents.
  • 5 Pay the required visa fee at the time of application. The fee amount will depend on the country you are visiting and the type of visa you are requesting.
  • 6 After submitting the application, wait for the processing of your visa. This may take up to 20 days. Once the visa is processed, you will be notified of the decision.

Documents Required for the Europe Tourist Visa

1

Duly completed and signed visa application form, which you can download from the official consulate website or obtain from the visa application centre.

2

Two recent passport-sized photographs (35x45mm) with a white background meeting the visa photo specifications

3

Your Passport must be valid for at least 3 months beyond your planned departure date from the country; it should also have at least 2 blank pages for visa stamps.

4

A copy of your travel medical insurance policy that covers emergency hospitalisation, dental treatment, emergency medical evacuation, and repatriation of mortal remains, with a minimum coverage of €30,000

5

A copy of your flight reservation showing your entry and exit dates

6

You must provide accommodation proof, such as hotel bookings or rental agreements for the complete duration of your stay. If you plan to stay with family or friends in Europe, you must submit an invitation letter from your host. The letter should include details of your stay (duration and address of the host).

7

Bank statements for the last three months showing you have enough funds to cover your stay in Europe.

Best Time to Visit Europe

Spring

Spring is a magical time to explore different cities in Europe. The season spans from March to May, when the temperatures are mild, and the landscapes come alive with vibrant flowers. Moreover, the major cities in Europe, like France, Italy, Netherlands, and Spain, are far less crowded than in peak summer. With gardens in full bloom and natural beauty at its peak, spring promises a refreshing and unforgettable travel experience.

Fall

Fall, from September to October, is a beautiful season for travellers. While the weather remains pleasantly warm, the summer crowds thin out, allowing for a more relaxed and enjoyable travelling experience. If you enjoy wine tours, fall is a good season for wine tours in France and Italy, where harvest festivals and vineyards are in full swing. In Greece, the islands of Santorini and Crete offer stunning views and fewer tourists. You can also explore Spain, Germany, France, and other European countries without the discomfort of heat.

Europe Safety and Precautionary Measures to be Undertaken

  • Check local travel advisories and safety updates regularly to stay aware of any potential risks or security concerns.

  • Save emergency contact numbers on your phone, including those of the Indian embassy, local emergency services, and nearby healthcare centres.

  • Secure your wallet, valuables, and documents, especially in crowded areas, to avoid pickpocketing or getting mugged.

  • Research reputable and registered taxi or rideshare services before booking any transport.

  • If you plan to drive in Europe, make sure you have an International Driving Permit to comply with local regulations and avoid legal issues. You must also keep your Indian driver’s license handy.

  • Familiarise yourself with the local road rules and driving customs. Many European countries have strict rules about speed limits, seatbelt use, and alcohol consumption.

  • Respect local laws and traditions. For example, follow the dress code in religious sites or conservative regions.

Popular Destinations in Europe

  • Paris, France

    Paris is one of the most popular tourist destinations in Europe. The city is home to iconic landmarks, like the Eiffel Tower and the Louvre. You can visit Montmartre for its artistic history, stroll along the Seine River, and enjoy the city’s cafes. The romantic ambience, shopping opportunities, delicious foods, and world-class art make Paris a must-visit destination.

  • Rome, Italy

    Rome is famed for its ancient history and rich culture, with over 2700 years of fascinating heritage. The city is home to hundreds of churches, fountains, and world-famous monuments. Key attractions include the Colosseum, Vatican City, St. Peter’s Basilica, the Sistine Chapel, and the Roman Forum. Rome seamlessly blends its ancient ruins with vibrant modern street life, promising a unique mix of history and culture at every turn.

  • London, UK

    London is a vibrant metropolis boasting a dynamic mix of history and modernity. As one of the most iconic cities in the world, it offers a blend of rich cultural heritage and cutting-edge innovation. Key attractions include the majestic Buckingham Palace, the historic Tower of London, the London Eye, and the iconic Big Ben. Art and history lovers must visit the British Museum and National Gallery. Covent Garden and Soho are perfect spots to explore for shopping, dining, and nightlife.

  • Barcelona, Spain

    Barcelona offers a rich mix of art, culture, and stunning architecture. The city is renowned for its unique Gaudi landmarks, including the Sagrada Familia and Park Guell. When you are in Barcelona, be sure to explore the lively Las Ramblas Street for vibrant cafes, market stalls, and street performers. The Gothic Quarter is famous for its narrow alleys, hidden squares, and historic buildings, while the Montjuic Hill is perfect for enjoying panoramic views of the city. Barcelona also has beautiful beaches that provide a serene escape from the city hustle-bustle.

  • Venice, Italy

    Venice is a captivating city with a rich blend of art, history, and architecture. Key attractions include the majestic Doge’s Palace, a Gothic landmark that showcases Venice’s political history, and St. Mark’s Basilica, renowned for its stunning Byzantine mosaics. The iconic Rialto Bridge, which spans the Grand Canal, is a must-visit for shopping and breathtaking views. If you are looking for a quieter escape, the nearby islands of Murano and Burano are perfect getaways.

  • Amsterdam, Netherlands

    Amsterdam is known for its rich history and iconic canals. The city is home to world-class museums, including the Rijksmuseum, Van Gogh Museum, and Anne Frank House. When in Amsterdam, be sure to take a canal tour for stunning views of the city’s picturesque architecture. You can also explore the Dam Square and Jordaan district for their lively atmosphere, historic landmarks, cosy cafes, and boutique shopping. With its vibrant culture and bike-friendly streets, Amsterdam is a must-visit for nature lovers, history buffs, and casual travellers alike.

  • Santorini, Greece

    Santorini is a stunning Greek island known for its white-washed buildings, breathtaking sunsets, and crystal-clear waters. From the charming villages of Fira and Oia to unique beaches like Red Beach and Kamari, Santorini has many delightful attractions for tourists. Be sure to visit the ancient ruins of Akrotiri, an ancient Minoan city preserved by volcanic ash, and enjoy local wines at a vineyard.

  • Prague, Czech Republic

    Prague, a city steeped in history and beauty, is home to amazing attractions like Prague Castle, Charles Bridge Museum, Vysehrad Fort, Museum of Communism, and Lenta Park, all worth visiting. When in Prague, be sure to explore the vibrant Old Town Square featuring the Tyn Church, Astronomical Clock, and bustling market stalls. For panoramic views, head to Petrin Hill, and don’t miss the striking modern architecture of the Dancing House.

  • Edinburgh, Scotland

    Rich in history and culture, Edinburgh is famous for iconic attractions like Edinburgh Castle, Holyrood Palace, the National Museum of Scotland, and the Scottish Parliament. The Royal Mile, lined with shops, restaurants, and historic sites, is perfect for a stroll. Don’t miss the hike up Arthur’s Seat for panoramic views of the city. With its cobbled streets, ancient castles, and vibrant festivals, Edinburgh is a must-visit for history buffs, nature lovers, and culture enthusiasts.

  • Lucerne, Switzerland

    Lucerne is a picturesque city known for its stunning lakeside setting and mountain views. Key attractions include the iconic Chapel Bridge, the Lion Monument, and the Swiss Museum of Transport. You can also enjoy a scenic boat ride on Lake Lucerne or take the Cogwheel Railway to the top of Mount Pilatus for spectacular views. The charming Old Town, with its medieval buildings and lively squares, is perfect for strolling.

Things to do in Europe

  • Visit the Eiffel Tower in Paris and enjoy breathtaking views of the city from its observation decks.

  • See the Northern Lights in Tromso, Norway, for a magical experience of the aurora borealis in the Arctic Circle.

  • Explore the Colosseum and Roman Forum in Rome and immerse yourself in the ancient history of the Roman Empire.

  • Tour the Louvre Museum in Paris, home to some of the world’s most iconic paintings, sculptures, art objects, and architectural elements.

  • Wander through Prague’s historic Old Town and visit Prague Castle, one of the largest ancient castle complexes in the world.

  • Visit the Acropolis in Athens, Greece, to learn about the Greek civilisation.

  • View the snow-covered Swiss Alps and experience the thrill of skiing in popular destinations like Engelberg-Titlis, Interlaken, and Jungfrau region.

  • Drive along the Amalfi Coast in Italy for stunning views of beaches, cliffs, and charming coastal villages.

  • Visit the Palace of Versailles near Paris, France, and tour the royal residence and gardens that showcase the grandeur of the French Monarchy.

  • Take a boat ride in Lake Bled in Slovenia, and visit the picturesque Bled Island.

  • Explore the medieval Old Town in Dubrovnik, Croatia, a UNESCO World Heritage Site with historic architecture.

List Of Countries Where Travel Insurance Is Mandatory

Russia Cuba Portugal Norway Hungary
Turkey Qatar Australia Denmark Bulgaria
UAE Belgium Germany Malta Netherlands
France Switzerland Czech Republic Sweden Latvia
Lithuania Finland Spain Estonia Romanian
Slovenia Liechtenstein Poland Iceland -
Italy Greece Luxembourg Slovakia -

FAQs About
Europe Travel Insurance

Do I need travel health insurance for Europe?

Yes, it is highly recommended to get travel health insurance for Europe. The policy protects you against unexpected medical expenses and ensures peace of mind. Additionally, the European countries in the Schengen area may require travel health insurance for the visa application process.

Can I purchase travel insurance for Europe from India after I have already booked my trip?

Yes, you can purchase travel insurance for Europe from India even after you have already booked your trip. The policy can be bought at any point before you travel. However, it is advisable to purchase it as soon as possible for maximum benefits.

What is the eligibility criterion to buy a Europe travel insurance for visitors?

ICICI Lombard Europe travel insurance is available for Indian residents aged between 0 and 80 years. To qualify, you must also have a valid Schengen visa, a Passport, and confirmed flight and hotel bookings for your trip. These are the key requirements to be eligible for travel holiday insurance for Europe.

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ICICI Lombard General Insurance Company Limited,

ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400025.

Reg. No.115

Fax no - 022 61961323

Contact - 1800 2666

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ICICI Lombard General Insurance Company Ltd. is one of the leading private sector general insurance company in India offering insurance coverage for motor, health, travel, home, student travel and more. Policies can be purchased and renewed online as well. Immediate issuance of policy copy online.

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