Why This Document Matters
Schengen Visa Code requires travel insurance with medical cover of at least €30,000. Without it, the visa WILL be refused — no exceptions. Insurance protects EU healthcare systems from unpaid bills.
Travel Insurance
SchengenTourist / Business
SchengenTourist / BusinessSchengen Travel Insurance — Mandatory Cover & Best Policies
Travel insurance is MANDATORY for Schengen visa. Minimum cover: €30,000 (medical emergencies, repatriation). Must cover entire Schengen area and your full travel duration. No insurance = instant rejection.
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Ask a licensed consultant on WhatsApp — whether your employer's wording is acceptable, which format your country wants, what to do when a standard line does not apply to you. No obligation, and you will get a straight answer today. Want the document itself read and checked against the rest of your file? That is the paid check further down.
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At a Glance
- Document
- Travel Insurance
- For
- Schengen
- Visa Type
- Tourist / Business
- Mistakes
- 5 to avoid
Need the whole Schengen file done, not just this travel insurance?
We prepare and file Schengen tourist / business applications from anywhere in India: documents, VFS slot, embassy filing, with published fees and one licensed office in Patiala. This travel insurance is one of the pieces we check before anything is submitted.
Format & Requirements
Policy certificate (PDF) clearly stating: coverage amount (minimum €30,000), countries covered (all Schengen), dates covered (entire visit + 1 extra day), insurance provider name, policy number, and coverage details.
Sample / Template
Get your travel insurance checked by a licensed consultant — ₹999
Document Review — send us your own document and a licensed consultant tells you what an officer would question, and what to change. Credited in full if you go ahead with filing.
Get it checkedThe sample below stays on this page to read. What you are paying for is the finished document with your own details in it — and a person who has read refused files checking it.
sample-travel-insurance-schengen-visa.pdf
Recommended Travel Insurance Providers for Schengen (India):
1. Tata AIG Travel Guard — ₹1,500-3,000 for 10-day trip
2. Bajaj Allianz — ₹1,200-2,500 for 10-day trip
3. HDFC ERGO Travel Shield — ₹1,400-2,800
4. ICICI Lombard — ₹1,500-2,500
5. Reliance Travel Care — ₹1,000-2,000
Required Features (check before buying):
• Coverage amount: Minimum €30,000 (aim for €50,000+ for peace of mind)
• Countries covered: ALL 29 Schengen countries
• Repatriation cover: ESSENTIAL
• Emergency medical: Included
• Lost baggage: Recommended
• Flight delay: Recommended
Process:
1. Buy policy ONLY after getting visa approval OR a date close to visa interview
2. Download PDF policy certificate
3. Submit certificate with visa application
4. If visa rejected, most insurers refund (keep receipt)
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Do's and Don'ts
Do
- ✓Minimum €30,000 coverage (Schengen mandatory)
- ✓Cover dates = arrival to departure + 1 extra day
- ✓Include repatriation cover
- ✓Use known Indian insurers (Tata AIG, Bajaj Allianz, ICICI)
- ✓Keep receipt in case of refund
- ✓Include the original policy certificate
Don't
- ✕Don't skip — it's mandatory
- ✕Don't buy €30,000 for a longer trip (get €50,000+)
- ✕Don't use unknown international providers
- ✕Don't let it lapse before your return date
- ✕Don't buy at arrival — must be before visa is approved
- ✕Don't forget to update if you extend your trip
Common Mistakes That Cause Rejections
1
Coverage is €25,000 (below €30,000 Schengen minimum)
2
Insurance covers only medical but not repatriation
3
Dates don't cover full visit period
4
Submitting outdated policy from previous trip
5
Using no-name international insurer
Stop guessing. Get your travel insurance reviewed by experts.
We've prepared thousands of visa files. One mistake in your document can cost you a rejection.
Frequently Asked Questions
Do I need to submit travel insurance for Schengen visa?+
Yes. Schengen Visa Code requires travel insurance with medical cover of at least €30,000. Without it, the visa WILL be refused — no exceptions. Insurance protects EU healthcare systems from unpaid bills.
What is the correct format for travel insurance?+
Policy certificate (PDF) clearly stating: coverage amount (minimum €30,000), countries covered (all Schengen), dates covered (entire visit + 1 extra day), insurance provider name, policy number, and coverage details.
What are common mistakes to avoid in travel insurance?+
Coverage is €25,000 (below €30,000 Schengen minimum) Insurance covers only medical but not repatriation Dates don't cover full visit period Submitting outdated policy from previous trip Using no-name international insurer
Can SureshotVisa help me prepare my travel insurance?+
Yes. Our experts review and prepare every document in your visa file — including travel insurance — to embassy standards. Talk to us on WhatsApp to get started.
Send us the letter before you submit it.
A licensed consultant will check it against every point above — what is missing, whether the dates agree with the rest of your file, and whether the contact details would survive a verification call. If it is already fine, we will tell you that.
Ready when you are
The template is free. The checking is what you are missing.
Everything above costs you nothing, and you are welcome to it. What a template cannot do is read itself against the rest of your file — and that is where applications actually fail: a date that does not match the ticket, a salary that does not match the bank statement, a signatory the company cannot verify on a call. You are about to spend an embassy fee, a visa-centre fee and a trip on this application. Having a licensed consultant read the paperwork first costs a fraction of any one of them.
What you just read
Free
The format, the sample and the mistakes to avoid. Yours, no strings.
What it cannot do
One-Document Check — ₹999
One document, answered the same working day. Credited in full if you book filing. A licensed consultant reads your actual file and tells you what an officer would question.
See what's includedFiling it yourself? That is genuinely fine — most straightforward cases do not need anyone. If it comes back refused, bring us the letter. Reading the actual refusal ground is how a case gets recovered, and it is the work we do most. How refusal recovery works