Travel insurance for Indians visiting Europe in 2025 is not just recommended — it’s mandatory for Schengen visa approval. With rising medical costs abroad, flight delays, baggage issues, and changing travel rules, a comprehensive Europe travel insurance plan can save you thousands of rupees and offer peace of mind.
Whether you’re going for tourism, business, education, or family visits, choosing the best summer travel insurance plan for Europe ensures that you’re financially protected during your international trip.
In this guide, we cover the top-rated travel insurance providers for Europe, policy coverage, claim settlement features, and how to choose the right plan based on your travel needs and duration.
Why Travel Insurance is Mandatory for Indian Travelers to Europe in 2025
All Indian citizens traveling to the Schengen Area — which includes 27 European countries like France, Germany, Italy, Switzerland, and Spain — must submit a valid travel insurance document while applying for a Schengen visa. The insurance must cover:
- A minimum of €30,000 (approx. ₹27 lakh) in emergency medical expenses
- Repatriation of remains in case of death
- Coverage for the entire duration of the stay in Europe
Besides visa approval, travel insurance is essential due to high medical treatment costs in countries like Germany and Switzerland. Even a minor hospital visit can cost more than ₹50,000. Having a high-value travel health insurance policy protects you from unexpected financial strain.
What to Look for in a Europe Travel Insurance Plan for Summer 2025
When selecting a travel insurance plan for your European trip, focus on these key aspects:
Medical Coverage with Emergency Evacuation
Look for plans offering cashless hospitalization, 24×7 emergency support, and emergency evacuation coverage. The best policies cover not just illness and accidents, but also pre-existing conditions under life-threatening situations.
Trip Delay and Cancellation Cover
Summer travel often sees overbooked flights, strikes, and weather-related delays. A good policy must cover trip cancellations, missed connections, and accommodation reimbursements due to unforeseen issues.
Loss of Passport and Baggage
Europe’s crowded summer airports are prone to baggage misplacement. Ensure your plan includes loss of passport, baggage delay, and luggage loss compensation with hassle-free claim processing.
COVID-19 and Travel Advisory Protection
With rules still evolving in parts of Europe, select a plan that offers COVID-19-related hospitalization, quarantine expenses, and refunds in case of sudden travel bans or advisories.
Top Travel Insurance Providers in India for Europe Travel in 2025
1. Tata AIG Travel Guard – Best Overall Travel Insurance for Europe
Tata AIG’s Travel Guard is widely accepted for Schengen visa applications. It offers coverage of up to $500,000, 24×7 customer support, and a strong global hospital network. Their 2025 plans now include COVID-19 protection, trip delay reimbursement, and in-flight accident cover.
The claim process is fast and fully digital, making it ideal for young travelers and families. Premiums for a 15-day Europe trip start from just ₹450.
2. ICICI Lombard Travel Insurance – High Medical Cover with Custom Add-ons
ICICI Lombard’s international travel policy offers extensive medical coverage of up to $500,000, which includes emergency evacuation, dental treatment, and trip interruptions. Their customer care service is considered one of the best in the industry.
They now offer real-time claim assistance via WhatsApp and mobile app, especially helpful for tech-savvy travelers. Plans start from ₹500 onwards for a short Europe vacation.
3. HDFC ERGO Travel Insurance – Best for Family Trips
HDFC ERGO’s travel plan for Europe includes unlimited emergency medical cover, accidental death, loss of checked baggage, and compassionate visits for family emergencies. The policy is accepted by all European consulates for visa processing.
For families, HDFC ERGO offers bundled discounts and add-ons such as home burglary cover during your absence from India.
4. Reliance General – Budget-Friendly Travel Insurance with Visa Assistance
Reliance General offers value-for-money plans starting at ₹380 for 10 days. The policy covers medical emergencies, trip delay, baggage loss, and personal liability abroad. It is Schengen-compliant, making it ideal for budget travelers, students, and group tours.
Their dedicated NRI helpdesk and visa document support are added advantages.
5. Bharti AXA (Now ICICI Lombard) – Best for Student & Senior Citizen Travelers
Bharti AXA offers customized plans for students visiting Europe on short-term exchange or summer internships. Their senior citizen plan offers cashless hospitalization, pre-existing disease coverage, and medical escort provision.
Premiums vary depending on age and trip duration but remain competitive for short vacations and multi-country itineraries.
How to Choose the Right Plan for Your Summer Travel to Europe
If you are a solo traveler under 40, most standard plans from Tata AIG or ICICI Lombard will provide ample coverage at an affordable premium. If you’re traveling with children or elderly parents, opt for a plan like HDFC ERGO that includes family coverage and higher hospitalization limits.
Frequent travelers or digital nomads should consider multi-trip annual insurance policies that offer unlimited trips of up to 30 or 45 days per journey.
Students traveling for summer internships or short-term study tours should look for student-specific travel insurance plans with add-ons like sponsor protection and study interruption coverage.
Always compare claim settlement ratios, premium-to-coverage value, and the customer service reputation of insurers before buying.
Estimated Travel Insurance Cost for Indians Traveling to Europe in 2025
The cost of travel insurance depends on duration, age, destination countries, and policy features. Here is an approximate premium breakdown:
- Solo Traveler (Age 25–40): ₹400 – ₹800 for 15 days
- Family of 4: ₹1,800 – ₹3,500 for 10–15 days
- Senior Citizen (Age 65+): ₹2,500 – ₹6,000 for 2 weeks
- Student (30-day trip): ₹1,000 – ₹2,000 with study cover
Final Checklist Before Buying Europe Travel Insurance
Before purchasing your travel insurance, ensure:
- The policy is Schengen visa compliant
- It includes a minimum of €30,000 medical cover
- It covers all countries in your itinerary
- You receive a digital policy certificate for visa application
- The insurer offers 24×7 international support
Also, double-check the exclusions. Most travel insurance policies do not cover self-inflicted injuries, alcohol-related accidents, or unapproved adventure sports.
Conclusion
Choosing the best summer travel insurance plan for Europe in 2025 is essential for hassle-free travel and visa approval. Whether you’re exploring the Alps, strolling through Paris, or attending business meetings in Berlin, a well-structured policy protects you from unexpected expenses and emergencies. Indian travelers should always opt for Schengen-compliant policies from reputed providers like Tata AIG, ICICI Lombard, and HDFC ERGO, based on their trip duration, age group, and travel goals.
Investing ₹400–₹2,000 in a quality Europe travel insurance plan can save you lakhs in emergencies. Before your next European vacation, make insurance your first step toward secure and smart travel.