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Delays, cancellations or missed flights, ACKO AirPass instantly solves your domestic travel problems **AirPass (for domestic travel)** Delays, cancellations or missed flights, AirPass makes it all right Just Launched Explore AirPass →  [Home](https://www.acko.com/)\>[International Travel Insurance](https://www.acko.com/international-travel-insurance/)\> Travel Insurance for Schengen Visa # Travel Insurance for Schengen Visa From Italy to France to the Netherlands, the Schengen region includes 29 beautiful and diverse European countries you can explore. If you’re planning to visit any of these Schengen countries, Travel insurance for Schengen visa is mandatory with a coverage of a minimum €30,000. In this guide, you will learn why travel medical insurance for a Schengen visa is important. You will also learn what to look for in a policy and how to choose one that fits your trip and budget. ## Quick Links - What is Travel Insurance for Schengen Visa? - List of Schengen Countries - Schengen Travel Medical Insurance Importants - Benefits of ACKO - Key Benefits of Schengen Travel Insurance - Types of Schengen Travel Insurance - What's Covered? - What's Not Covered? - How To Buy? - Why Customers Trust Our Schengen Travel Insurance Plans - How to Claim? - Documents Required For Schengen Travel - Varun And Meera Experience - Know More About Schengen - Schengen Visa Types - How to Apply - Best Time to Visit - Most Visited Destinations - Customer Support Details - Frequently Asked Questions ## What is Travel Insurance for Schengen Visa? To apply for a Schengen visa, you need a travel insurance plan that meets Schengen-specific requirements, often referred to as Schengen travel insurance. This policy covers expenses such as emergency medical care, hospital stays, and travel-related issues, including lost baggage or delays while visiting any of the 29 countries in the Schengen Area. If you are an Indian passport holder, Schengen travel insurance is one of the main documents needed to get your visa approved. Your travel policy must provide coverage of a minimum €30,000 and be valid across all Schengen countries. ## List of Schengen Countries You Can Visit with a Schengen Visa Remember that the Schengen Area currently includes 29 countries: 25 EU member states and 4 non-EU countries: Iceland, Liechtenstein, Norway, and Switzerland. When you buy travel medical insurance for a Schengen visa, your insurance must cover all the countries in the Schengen area. Let’s take a look at the complete list of the 29 Schengen countries, arranged in alphabetical order for your reference. | | | | | | | |---|---|---|---|---|---| | Austria | Denmark | Greece | Liechtenstein | Norway | Slovenia | | Belgium | Estonia | Hungary | Lithuania | Poland | Spain | | Bulgaria | Finland | Iceland | Luxembourg | Portugal | Sweden | | Croatia | France | Italy | Malta | Romania | Switzerland | | Czech Republic | Germany | Latvia | Netherlands | Slovakia | \- | ## **Why Is Travel Insurance Mandatory for a Schengen Visa?** It’s true that having a travel insurance plan is a mandatory requirement for getting your Schengen visa approved. But buying the best travel insurance for Schengen visa is not just about fulfilling a visa condition. It’s an important step to protect yourself from unexpected medical or travel emergencies while you're abroad. Here’s why it truly matters: 1\. **Mandatory for Visa Approval:** Without Travel Insurance, your Schengen visa might be rejected by the visa officials. A **minimum coverage of € 30,000** across all 29 Schengen countries is mandatory. 2\. **Avoid Unexpected Financial Hits:** From a minor accident or sudden illness, your hospital bills in Europe can easily run into tens of thousands of euros. A travel insurance policy can cover emergency care, hospital stays and treatment. 3\. **Go Beyond Health:** It's not just about healthcare. Your plan also protects against trip cancellations, lost baggage or passport, flight delays, and more, the kind of unexpected situations that can make a great trip stressful. Get Visa-compliant Schengen Plan ## **Key Features of ACKO Schengen Travel Insurance Plan** Here are a few key features of ACKO’s Schengen travel insurance plans:  ### Paperless & Instant Policy You can buy your Schengen travel insurance entirely online within minutes. The digital certificate is sent instantly to your email and is valid for visa submission.  ### Accepted by All 29 Schengen Countries ACKO’s policy is compliant with visa guidelines and is accepted by embassies of all Schengen countries, including France, Germany, Italy, Spain, Switzerland, and more.  ### Avoid Unexpected Financial Hits From a minor accident or sudden illness, your hospital bills in Europe can easily run into tens of thousands of euros. A travel insurance policy can cover emergency care, hospital stays and treatment.  ### Trip Rescheduling/Cancellation Provide coverage for cases where you must cancel or reschedule per the policy terms.  ### COVID-19 Hospitalisation Coverage All our travel insurance for Schengen visa plans includes COVID-19-related medical expenses, so you’re covered in case of illness abroad.  ### Schengen-Compliant Policy Certificate ACKO provides a Schengen-compliant policy certificate. It is an insurance document that meets the health insurance requirements to get a Schengen visa as mandated by Schengen visa regulations.  ### 24/7 Global Assistance When you are travelling to Schengen, it is important to get assistance whenever you require it. You can contact ACKO at any time and from any location via missed call or email.  ### Policy Extension Option This feature allows ACKO customers to extend the validity of their insurance policy beyond its original expiry date. It ensures continuous coverage without the need to purchase a new policy immediately. ## Key Benefits of Travel Insurance for Schengen Visa These are some of the biggest benefits of having travel medical insurance for your Schengen visa.  ### Mandatory for Visa Approval Without Travel Insurance, your Schengen visa might be rejected by the visa officials.A minimum coverage of € 30,000 across all 29 Schengen countries is mandatory.  ### Cashless Hospitalisation ACKO provides global cashless hospitalisation through its extensive hospital network, ensuring convenience wherever you are. Reimbursement options are also available with our plans if required.  ### Accidental & Medical Coverage From minor illnesses to serious emergencies, the plan offers financial protection for medical treatments, accidents, and even COVID-19-related hospitalisation, helping you focus on recovery, not expenses.  ### Compensation for Flight & Baggage Delays Travel delays can disrupt plans and budgets. If your flight or baggage is delayed beyond the defined time, ACKO pays a fixed compensation amount as mentioned in the policy.  ### Trip Cancellation or Rescheduling Cover If unforeseen situations force you to cancel or reschedule your trip, the policy reimburses eligible expenses, provided the reason falls under the covered policy conditions.  ### Coverage at Affordable Prices We provide basic Schengen travel insurance plans starting at only Rs. 45\* per travel day. You may not find a better deal anywhere else for the peace of mind you deserve.  ### Customisable Coverage Options Choose a travel insurance plan that matches your travel style, destination, and budget. ACKO allows you to tailor coverage, ensuring you pay only for what you truly need.  ### Worldwide Protection & Peace of Mind Travel confidently with coverage for medical emergencies, trip disruptions, and personal liability while abroad. One policy covers all 29 Schengen countries, eliminating the need for multiple insurance plans. ## Types of Schengen Travel Insurance Plans Depending on how often you plan to travel to the Schengen area and the purpose of your visit, you can choose from the following types of Schengen travel insurance. These are a type of [International Travel Insurance](https://www.acko.com/international-travel-insurance) specifically designed to meet Schengen visa requirements. ### **Single Trip Schengen Travel Insurance** It is ideal for travellers who are visiting the Schengen area just once. This could be for tourism, business, or a short stay.  ### **Multiple Trips Schengen Travel Insurance** Also known as multi-trip insurance, it is best suited for frequent travellers who visit Schengen countries several times a year.  Buy Your Schengen-Compliant Plan Now ## What's Covered in ACKO’s Schengen Travel Insurance? Our Schengen travel insurance policy includes the following coverages to ensure you enjoy a financially secure trip. ### Travel Coverage Your Schengen travel insurance through ACKO provides coverage for: - Return of a minor child to the city of residence in case of the insured person's hospitalisation - Family members’ compassionate visit in case of the insured person’s hospitalisation - Monetary loss for transportation, including medical care, for the insured person during the travel period - Compensation for flight delay or cancellation - Compensation for rescheduling - Compensation for misplacement or delay of the checked-in baggage - Compensation for total loss/partial loss of checked-in baggage - Unrecoverable costs related to the loss of a passport - Compensation in the event of a paid booking bouncing during travel ### Medical Coverage Your Schengen travel insurance through ACKO will provide coverage for these medical issues: - An accidental injury that requires hospitalisation or daycare - A medical emergency that requires hospitalisation or daycare - OPD medical expenses due to injuries or illnesses - Adventure sports-related injuries requiring hospitalisation - Permanent total disability/Permanent partial disability caused by an accident during the travel period - Accidental death of the insured person during the travel period - Coverage for transporting remains in case of death during travel due to injury or illness during the travel period - COVID-19 quarantine resulted in flight cancellations ### Legal Coverage Our policy will offer financial coverage in these legal situations: - Monetary loss brought on by an extended stay following an injury, illness, or hospitalisation ## What's Not Covered in ACKO’s Schengen Travel Insurance? Our Schengen travel insurance policy excludes the following benefits. ### Travel Exclusions The following travel-related circumstances are not covered under your travel insurance for Schengen visa: - Entering a Schengen country without a valid visa - Staying beyond the permitted duration on your Schengen visa - If your sole reason for travel is to receive medical treatment - Travelling despite being declared medically unfit - Purchasing Schengen travel insurance after leaving India or if your trip doesn’t return to India ### Legal Exclusions Your Schengen travel insurance will not provide coverage in these situations: - Loss, damage, or injury due to self-inflicted harm, suicide, etc - Loss, damage, or injury when you are under the influence of alcohol or some other intoxicating substance - ​​Loss, damage, or injury during a criminal act - Loss, damage, or injury during a hazardous activity ### Medical Exclusions Some health-related situations are excluded from your Schengen travel insurance, such as: - Medical complications associated with pregnancy or pre-existing disease - If a close relative prepares the disability report used to substantiate a claim **\*Note:** The above information is not complete. For more accurate details, we suggest checking the appropriate policy wording. ## **How to Buy Travel Insurance for Schengen Visa from ACKO?** To buy ACKO's Schengen visa travel insurance online, just follow these simple steps: 1.  Open the ACKO mobile application or visit the ACKO website. 2.  Log in to your account using your credentials, or create a new account if you don’t have one. 3.  Choose your destination - in this case, select Schengen area. 4.  Specify your trip’s start and end dates. 5.  Pick the type of coverage you want. (You can also compare plans and view the recommended one based on the treatment costs of medical emergencies in Schengen.) 6.  Provide details about yourself and your fellow travellers, then proceed to make the payment. An instant travel insurance policy will be generated and sent to your email address immediately. Buy Your Schengen-Compliant Plan Now ## Why Customers Trust Our Schengen Travel Insurance Plans Travel insurance should let you focus on the journey, not the financial risks. That’s exactly what our customers experience — no delays, no hidden surprises, just genuine support when it matters the most.  ## **How to Claim Schengen Travel Insurance from ACKO?** Filing a claim with ACKO's travel insurance for Schengen visa is easy. Just follow these steps to make a claim: 1. ### For Cashless Travel Medical Insurance for Schengen Visa: - Tell us where you are by emailing [\[email protected\]](https://www.acko.com/cdn-cgi/l/email-protection#88e9ebe3e7c8edfdfae7f8eda5e9fbfbe1fbfce9e6ebeda6e1e6) or calling 022-69635374. - We will send you an immediate list of hospitals in your area that do not require cash. - We will take care of paying the hospital bill while you keep getting care. 2. ### For Other Claims (e.g., baggage loss, flight delay, etc.): - Send us an email at [\[email protected\]](https://www.acko.com/cdn-cgi/l/email-protection#cdacaea6a28da8b8bfa2bda8e0acbebea4beb9aca3aea8e3a4a3) or call us at 022-69635374. - We will review your invoice or bill as soon as it is received. - Your refund will be transferred directly to your bank account. ## Documents Required For Schengen Travel Whether you're planning a short trip or multiple entries into the Schengen Zone, here are some of the key documents you’ll need: Travel Insurance Purchase Visa Application Travel Insurance Claim Process - Passport details of all travellers - Government-issued ID proof - Travel dates and destination(s) - KYC documents (as required by insurer) - Duly filled and signed visa application form - Valid passport - Two recent passport-sized photos (as per Schengen photo guidelines) - Visa fee payment - Schengen travel insurance with minimum €30,000 (approx. ₹28,00,000) coverage - Proof of travel plans: flight tickets, hotel bookings, invitation letter (if any), travel itinerary - Proof of financial means: bank statements, salary slips, etc. Supporting documents: employment proof, academic records, or business registration - Government-issued ID proof - Copy of passport (with visa and travel stamps) - Travel insurance policy document - Duly filled claim form - Police report or FIR (for criminal cases or theft) - Original bills/receipts (for medical treatment, trip cancellations, etc.) **Disclaimer**: Insurance policies may include exclusions, limitations, and specific conditions. It’s always wise to read the policy documents before purchasing or making a claim.   ## Let's see how ACKO Schengen Travel Insurance helped Varun and Meera during their trip to Schengen Varun and Meera were finally going on their long-awaited trip to Europe. They had saved money for years and planned their trip for months. But things went badly when the hotel reservation was cancelled without warning. After this scary event, Varun called ACKO's helpline right away and gave a full account of what had happened. Right away, ACKO refunded them for the costs they had to pay because the reservation didn't go through, which let them book another hotel room. Varun said as he thought back on the event. "I was angry when we had trouble with our hotel on the first day of our trip. The hotel didn't do anything to help. ACKO was there for us. Thank you, ACKO, for helping us during those hard times." Buy Schengen Travel Insurance now ## Factors to Consider Before Buying Travel Insurance for a Schengen Visa When choosing travel insurance for your Schengen visa, keep these key factors in mind to ensure your policy meets visa requirements and protects you during your trip: - **Meets Schengen visa travel insurance requirements:** The policy must offer at least €30,000 in medical coverage.  - **Medical Emergency & Hospitalisation:** Ensure it covers sudden illness, accidents, and emergency medical treatment.  - **Repatriation Coverage:** The plan should include the repatriation of remains in case of death.  - **Validity Across Schengen Countries:** Your policy should be valid in all 29 Schengen countries.  - **Trip Duration:** The policy must cover your entire stay, from arrival to departure.  - **Number of Entries:** Choose between single-trip or multi-trip insurance based on how often you plan to travel.  - **Visa Application Requirements:** Ensure the insurer provides a certificate or proof of insurance to submit with your visa application.  ## Types of Schengen Visas The Schengen visa is divided into four categories or types - A, B, C, and D. To travel across the Schengen region, Indian citizens must apply for the correct type of Schengen visa and provide proof of valid travel insurance for Schengen visa. Here’s a breakdown of visa types: ## **How to Apply for a Schengen Visa from India?** To apply for a [Schengen visa](https://www.acko.com/visa/schengen-visa), you'll need to follow these steps: 1. 1. **Determine the correct country:** Identify the consulate or embassy of the country you should apply through. 2. **Complete the application:** Fill out the online application form. 3. **Gather required documents:** Collect all necessary paperwork, including a valid passport, recent photos, and proof of accommodation, travel arrangements, and financial means. 4. **Book an appointment:** Schedule an appointment at the appropriate Visa Application Centre or embassy. 5. **Submit your application:** Attend your appointment to submit your documents and provide biometrics. 6. **Await decision and collect your passport:** Wait for the visa decision and then collect your passport. Get Travel Insurance For Schengen Visa ## Best Time to Visit Schengen Countries The best time to visit Schengen countries depends on what kind of experience you’re looking for. | | | |---|---| | Best Time to Visit | Reason to Visit | | Spring (March to May) | Fewer crowds make it perfect for relaxed sightseeing and strolls through historic towns. | | Summer (June to August) | This is the peak tourist season. It is warm and sunny, perfect for coastal destinations like Italy, Spain, Greece, and southern France. | | Winter (December to February) | It is an ideal time for snow lovers. If you're planning winter sports, make sure your policy includes adventure coverage when you buy travel insurance for a Schengen visa. | ## Most Visited Destination in Schengen Countries Each Schengen country has something unique to offer. Here are some of the most visited cities and regions across the zone: | | | |---|---| | Destinations | Places to Visit | | Paris, France | Eiffel Tower, Louvre Museum, Seine River cruises. | | Rome, Italy | Home to the Colosseum, Vatican City, and timeless Roman history. | | Amsterdam, Netherlands | Known for canals, Van Gogh Museum, and tulip gardens | | Barcelona, Spain | Famous for Gaudí architecture, beaches, and tapas culture. | | Zurich, Switzerland | A gateway to the Alps and scenic train journeys. | | Vienna, Austria | A cultural capital with historic palaces, classical music, and art. | | Prague, Czech Republic | Medieval charm, castles, and affordable travel. | ## Customer Support Details ## Email Write to us at [\[email protected\]](https://www.acko.com/cdn-cgi/l/email-protection#4236302334272e2b2c313730232c2127022321292d6c212d2f) ## Phone Please visit our support centre at <https://www.acko.com/contact-us/> for any assistance Get Travel Insurance for Schengen Visa ## Frequently Asked Questions About Travel Insurance for a Schengen Visa Policy Related Question General Questions ***Disclaimer**: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [\[email protected\]](https://www.acko.com/cdn-cgi/l/email-protection) for any queries.* ### Explore More Articles on Schengen [Travel Insurance for Schengen Visa](https://www.acko.com/international-travel-insurance/schengen/) [Schengen Visa Photo Size: Guide for Indian Travellers](https://www.acko.com/visa/schengen-visa-photo-size/) [Schengen Visa Cover Letter](https://www.acko.com/visa/schengen-visa-cover-letter/) [Schengen Visa Appointment](https://www.acko.com/visa/schengen-visa-appointment/) [Schengen Transit Visa for Indians](https://www.acko.com/visa/schengen-transit-visa-for-indians/) [List of Schengen countries 2026](https://www.acko.com/travel-tips/list-of-schengen-countries/) ### Explore More on Schengen Visas [Schengen Visa from India](https://www.acko.com/visa/schengen-visa/) [Schengen Business Visa](https://www.acko.com/visa/schengen-business-visa-from-india/) ### Travel Insurance for Popular Destinations [Travel Insurance for Qatar](https://www.acko.com/international-travel-insurance/qatar/) [Travel Insurance for Japan](https://www.acko.com/international-travel-insurance/japan/) [Travel Insurance for UK](https://www.acko.com/international-travel-insurance/uk/) [Travel Insurance](https://www.acko.com/travel-insurance/) [Travel Insurance for Indonesia](https://www.acko.com/international-travel-insurance/indonesia/) [Travel Insurance for Vietnam](https://www.acko.com/international-travel-insurance/vietnam/) [Travel Insurance For Turkey](https://www.acko.com/international-travel-insurance/turkey/) [Travel Insurance for Malaysia](https://www.acko.com/international-travel-insurance/malaysia/) [Travel Insurance for Australia](https://www.acko.com/international-travel-insurance/australia/)  [Travel Insurance for Schengen Visa](https://www.acko.com/international-travel-insurance/schengen/) [Travel Insurance for Dubai](https://www.acko.com/international-travel-insurance/dubai/) [Travel Insurance for Thailand](https://www.acko.com/international-travel-insurance/thailand/) [Travel Insurance for Canada](https://www.acko.com/international-travel-insurance/canada/) [Travel Insurance for Singapore](https://www.acko.com/international-travel-insurance/singapore/) [Travel Insurance for USA from India](https://www.acko.com/international-travel-insurance/usa/) [International Travel Insurance](https://www.acko.com/international-travel-insurance/) [Annual Multi-Trip Travel Insurance](https://www.acko.com/travel-insurance/multi-trip-travel-insurance/) [Senior Citizen Travel Insurance](https://www.acko.com/travel-insurance/senior-citizen-travel-insurance/) [Travel Insurance for Cuba](https://www.acko.com/international-travel-insurance/cuba/) [Travel Insurance for Morocco](https://www.acko.com/international-travel-insurance/morocco/) [Travel Insurance for Lebanon](https://www.acko.com/international-travel-insurance/lebanon/) [Travel Insurance for Georgia](https://www.acko.com/international-travel-insurance/georgia/) [Travel Insurance for Algeria](https://www.acko.com/international-travel-insurance/algeria/) [Travel Insurance for Finland](https://www.acko.com/international-travel-insurance/finland/) [Travel Insurance for Hungary](https://www.acko.com/international-travel-insurance/hungary/) [Travel Insurance for Ireland](https://www.acko.com/international-travel-insurance/ireland/) [Written by Shreya Sahu Content Editor](https://www.acko.com/author/shreya-sahu/) [Shreya Sahu Content Editor](https://www.acko.com/author/shreya-sahu/) [](https://in.linkedin.com/in/shreya-sahu-003) Shreya is a travel content writer with 5+ years of experience, turning hidden gems and dream getaways into inspiring, engaging stories. She enjoys exploring local cultures, slow travel experiences, and meaningful journeys while planning her next escape. [Reviewed by Chirag Mahajan Associate Director - Retail Travel Insurance](https://www.acko.com/author/chirag-mahajan/) [Chirag Mahajan Associate Director - Retail Travel Insurance](https://www.acko.com/author/chirag-mahajan/) [](https://www.linkedin.com/in/chiragmahajan2408/) Chirag Mahajan leads Acko’s Retail Travel business, driving strategy, growth, and customer-centric travel insurance solutions. A travel enthusiast himself, he blends industry expertise with passion to build seamless and reliable travel protection experiences. 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 Mandatory for Visa Approval Without Travel Insurance, your Schengen visa might be rejected by the visa officials.A minimum coverage of € 30,000 across all 29 Schengen countries is mandatory.  Cashless Hospitalisation ACKO provides global cashless hospitalisation through its extensive hospital network, ensuring convenience wherever you are. Reimbursement options are also available with our plans if required.  Accidental & Medical Coverage From minor illnesses to serious emergencies, the plan offers financial protection for medical treatments, accidents, and even COVID-19-related hospitalisation, helping you focus on recovery, not expenses.  Compensation for Flight & Baggage Delays Travel delays can disrupt plans and budgets. If your flight or baggage is delayed beyond the defined time, ACKO pays a fixed compensation amount as mentioned in the policy.  Trip Cancellation or Rescheduling Cover If unforeseen situations force you to cancel or reschedule your trip, the policy reimburses eligible expenses, provided the reason falls under the covered policy conditions.  Coverage at Affordable Prices We provide basic Schengen travel insurance plans starting at only Rs. 45\* per travel day. You may not find a better deal anywhere else for the peace of mind you deserve.  Customisable Coverage Options Choose a travel insurance plan that matches your travel style, destination, and budget. ACKO allows you to tailor coverage, ensuring you pay only for what you truly need.  Worldwide Protection & Peace of Mind Travel confidently with coverage for medical emergencies, trip disruptions, and personal liability while abroad. One policy covers all 29 Schengen countries, eliminating the need for multiple insurance plans.