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Travel Insurance for Visa from India (2026) — What You Actually Need
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Travel insurance is mandatory for Schengen visas and strongly recommended for almost every other visa from India. The minimum Schengen requirement is €30,000 coverage valid for the entire Schengen area and covering the exact travel dates. Expect to pay ₹500-₹1,500 per person per week for a compliant policy.
Coverage requirements by destination
| Destination | Mandatory? | Minimum Cover | Typical Cost |
|---|---|---|---|
| Schengen (all) | Yes | €30,000 | ₹700/week |
| UK | No | Recommended £100,000 | ₹800/week |
| US | No | Recommended $100,000 | ₹1,200/week |
| Canada | No | Recommended CAD 100,000 | ₹900/week |
| Australia | No | Recommended AUD 100,000 | ₹900/week |
| Japan | No | Recommended ¥5,000,000 | ₹700/week |
| Dubai / UAE | No | Recommended $50,000 | ₹400/week |
What the policy must cover for Schengen
- Minimum €30,000 for medical expenses
- Medical evacuation and repatriation
- Valid for all Schengen countries (not just one)
- Valid for the exact dates of your travel (including arrival and return day)
- Covers emergency hospitalisation
- Issued before you submit your visa application
Recommended travel insurance providers in India
- Tata AIG — Most common choice for Schengen applications
- ICICI Lombard — Wide acceptance, strong claim network
- Bajaj Allianz — Competitive pricing for 10+ day trips
- HDFC ERGO — Solid for Schengen + UK combination trips
- Reliance General — Budget option for basic coverage
Typical pricing
For a 10-day Schengen trip, expect to pay ₹800-₹1,500 per person for a €30,000 compliant policy. Longer trips cost proportionally more; age over 60 adds a premium. Policies are issued online in minutes — Visank includes a compliant policy as part of every Schengen application.
Frequently asked questions
?Is travel insurance mandatory for a Schengen visa from India?
?How much does Schengen travel insurance cost from India?
?Can I use my credit card travel insurance for a visa?
?Do I need insurance for a UK or US visa?
?What if my trip dates change after buying insurance?
?Does travel insurance cover visa refusal?
Visank includes Schengen-compliant travel insurance with every Schengen visa application. Flat ₹5,500.
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