For UK Indians, travelling to India or Schengen Europe requires more than just flights and visas. Travel insurance protects you against medical emergencies, trip cancellations, lost baggage, and more. This guide explains the coverage needed, costs, and tips for choosing the right plan in 2025.
Why Travel Insurance Matters
- Mandatory €30,000 cover for Schengen visas.
- Protects against high private hospital bills in India.
- Covers delays, cancellations, and baggage loss.
- COVID-19 cover in most 2025 policies.
Core Coverage
- Medical Expenses: €30,000 minimum for Schengen; £100k+ ideal for India.
- Trip Cancellation: Refund for flights, hotels, prepaid tours.
- Baggage & Belongings: Lost or delayed luggage, theft.
- Passport Loss: Replacement + embassy assistance.
- Personal Liability: Legal costs abroad.
Costs in 2025
- Schengen-only: £15–25 (1 week).
- India trip: £30–60 (2–3 weeks).
- Annual worldwide: £120–200.
Frequently Asked Questions
Need Help?
DiuMitra provides advisory-only guidance for UK Indians choosing travel insurance for India & Schengen. We help compare policies and avoid common mistakes.
⚠️ Disclaimer: Advisory-only support. We do not sell or broker insurance, and claims remain the responsibility of the traveller.
