travel insurance europe 1 year

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Travel Insurance

Travel insurance for Europe: Coverage and policies for 2024

Erica Lamberg

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:30 a.m. UTC Nov. 27, 2023

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• A trip to Europe often requires hefty prepaid and nonrefundable deposits to secure flights, hotels and tours. Travel insurance protects these outlays if you cancel your trip for a covered reason.
• Many U.S. health insurance plans don’t provide coverage in foreign countries, making a travel insurance plan with medical expense benefits important for trips to Europe.
• The best travel insurance for Europe will package together different types of coverage, including trip cancellation, trip delay, trip interruption, travel medical, emergency medical evacuation and baggage insurance.   

Planning a trip to Europe is exciting, but can also be expensive. Your itinerary may include visits to several European countries, and you can quickly rack up prepaid and nonrefundable expenses for flights, hotels, excursions, tours and experiences. 

Travel insurance can give you peace of mind that you’ll be financially protected if things go wrong before or during your trip. But plans differ, so it’s important to pay attention to included coverages, limits and exclusions when choosing your insurance for travel to Europe. 

Do I need travel insurance for Europe?

Travel insurance is not required for entering Europe. “But it is a very important consideration for a number of reasons,” said Scott Adamski, spokesperson for AIG Travel.

In addition to protecting your trip deposits if you need to cancel, Adamski said an important reason to secure a travel insurance policy relates to health care coverage for U.S.-based travelers headed to Europe. 

“In a surprise to many, their U.S.-based health insurance policy may not provide coverage, or may provide limited coverage, when they’re traveling out of the country,” said Adamski. 

“Medicare also may not provide coverage outside the U.S. (for older Americans) and there may be restrictions/limitations on medical benefits when traveling abroad,” he said. “In short, it’s vital to review your existing health care coverage before traveling.”

To make sure you’re covered financially if things go awry before or during your European vacation, look for a travel insurance plan that includes travel medical benefits as well as coverage for trip cancellation, trip delay, trip interruption, emergency medical evacuation and baggage delay or loss. 

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CFAR coverage

75% of trip cost

Trip cancellation insurance for travel to Europe

If you’ve booked a trip to Europe, you’re probably thinking, why would I cancel my dream vacation? 

“No one plans to cancel a trip, but sometimes there are circumstances beyond our control — you suffer an injury before your trip, circumstances at your job change or your flight is canceled due to severe weather at your destination,” said Shannon Lofdahl, spokesperson for Travelex Insurance Services. “Trip cancellation and interruption coverage reimburses you if your trip is canceled or interrupted for a covered reason,” she said.

In general, covered reasons for trip cancellation insurance benefits include:

• Death of an immediate family member or a travel companion.
• A serious illness or injury to you, a close relative or a travel companion.
• A sudden and serious family emergency.
• An unexpected job loss or layoff.
• Unplanned jury duty.
• Severe weather.
• Your travel supplier is going out of business.
• A national transportation strike.

So, if three days before your trip to Vienna, Austria, your husband has a heart attack, you can cancel your trip and receive 100% of any prepaid and nonrefundable trip outlays.

It’s important to note that not all reasons to cancel will be covered by your travel insurance policy. For example, if you see a rainy weather forecast in Barcelona or get nervous to travel to Paris because you learn about a rise in petty crimes there, these are not covered reasons.

If you want the highest level of flexibility to change your travel plans, consider adding “ cancel for any reason ” (CFAR) coverage.

CFAR is an upgrade to a basic travel insurance plan that may boost the price of your policy by about 50%, but will give you the latitude to cancel your trip for any reason as long as you cancel at least 48 hours before your scheduled departure. If you meet all the requirements of your plan, you can expect to be reimbursed for 75% — or 50%, depending on the plan — of your prepaid, nonrefundable trip costs.  

Trip delay insurance

Delays are an expected part of traveling these days, especially while traveling abroad, and that fact has emphasized the importance of trip delay coverage, said Lofdahl. “A short delay probably won’t cause you too much stress, but longer delays can mean missing connecting flights.”

Trip delay coverage can reimburse you for costs you incur as a result of a travel delay, as long as the delay was caused by a reason in your policy documents. Severe weather, airline maintenance issues or a security breach at an airport, for instance, are typical reasons covered by trip delay insurance.     

Most policies have a waiting period before your trip delay benefits begin, such as six or 12 hours. If you meet the criteria outlined in your travel insurance policy, you can expect to be reimbursed for a meal, hotel room, taxi fare and a few personal care items to tide you over for the delay, up to the limits in your plan.  

Be sure to hold onto your receipts as you will be asked to submit this documentation when you file a trip delay claim.

DOT rules : What you’re owed when your flight is canceled or delayed may be less than you think

Trip interruption in Europe

No one wants to end their trip early, especially when it’s a long-awaited European vacation, but unexpected issues can arise, said James Clark, spokesperson for Squaremouth, a travel insurance comparison site.

If there is an emergency back home that is covered by your travel insurance plan, such as a critically ill parent, or if you suffer an injury while traveling in Europe and need to cut your trip short, your policy’s trip interruption insurance can provide financial assistance. 

You can file a trip interruption claim to recover any prepaid, unused and nonrefundable trip costs you lose because of your unexpected early departure. Your benefits will also typically cover a last-minute one-way economy flight home, and transportation to the airport.

Keep in mind, however, not all reasons to end a trip early will be covered. For example, if you miss your new kitten or have a fight with your partner while in Budapest, and want to go home, these are not covered reasons. You will have to pay your own way home and can’t file a claim for losses.

Americans will have to get travel authorization to enter Europe

Currently, Americans don’t have to worry about getting a visa to travel around Europe. However, that will change in mid-2025. That’s when the European Travel Information and Authorisation System (ETIAS) goes into effect, requiring people traveling from visa-exempt countries like the United States to get authorization for travel to 30 European countries.

Once applications open up, you will be able to apply on the official ETIAS website or mobile app. You’ll need your passport information to apply, and it will cost 7 euros to process the application. For those who don’t get immediate approval, the decision process could take up to 30 days. 

Once approved, your ETIAS travel authorization will be attached to your passport. It will be valid for three years or until your passport expires, whichever happens first. 

A standard travel insurance policy won’t cover you if you don’t get your ETIAS travel authorization in time for your trip, or your ETIAS application is rejected. It will be important to apply for ETIAS early, in case there’s a delay or you need to appeal if you’re denied a visa.

If you have “cancel for any reason” (CFAR) coverage you could cancel your trip if your visa doesn’t get approved in time, but you’d need to cancel at least 48 hours before your trip to file a CFAR claim for reimbursement.

Travel medical insurance for Europe

Don’t assume your health insurance applies outside the United States. “Many [domestic health insurance] plans won’t cover you if you become ill or injured traveling in Europe or any other country outside the U.S., and, without travel protection, you would be responsible for all the medical expenses,” said Lofdahl with Travelex.

For instance, if you twist your ankle while touring in Rome, your travel insurance can cover the cost of seeing a doctor, getting X-rays, buying prescription medication and staying in the hospital if deemed necessary. Without this coverage, you are responsible for any medical expenses. 

The average cost of travel insurance is between 5% and 10% of the total price of your trip. This can be worth it for the medical benefits alone when traveling in Europe.

Travel insurance plans also typically include travel assistance, which can help if you get sick or injured in Europe. “This benefit offers a range of 24/7 services while you’re traveling — from assistance finding a covered health care provider to helping with replacing lost or stolen passports,” said Lofdahl. These services can also assist with translation services.

Emergency medical evacuation

Depending on where in Europe you’ll be visiting, you might be far from a medical facility adequately equipped to treat severe illnesses and injuries. 

“For this reason, travelers with underlying medical conditions might wish to consider additional medical evacuation coverage for certain costs associated with transportation, to either the nearest recommended medical facility or back home,” said Adamski with AIG Travel.

Also, he explains, many countries in Europe — particularly in the mountainous regions — offer adventure sports for visitors. “In the warmer months, the outdoorsy types who aren’t biking might pursue mountain climbing, available through a wide range of treks and climbs for beginners and advanced climbers alike. In the winter, of course, ski enthusiasts from around the world visit a number of European countries for their access to great snow, luxurious accommodations and challenging runs,” Adamski said.

Unfortunately, accidents can happen when mountaineering, regardless of the time of year. Having a travel insurance plan can provide financial protection in the event of medical or evacuation losses, he said.

As an example, said Adamski, a policyholder might need to return to the U.S. after a skiing injury and may need accommodations such as a lay-flat seat or a row of seats to stretch out a broken leg. 

“A travel insurance provider, with on-staff doctors and medical coordinators, are invaluable in assisting with medical needs in foreign countries and coordinating with airlines to get injured travelers back home. Such arrangements are remarkably expensive, ranging from $20,000 easily into the six figures,” he explained.

Medical evacuation coverage could help cover these costs, and, in AIG Travel’s travel protection plans, said Adamski, this is complemented by access to an entire medical team dedicated to consulting with the local medical providers, working with you or your family to confirm what’s in your best interests as a patient and making the necessary arrangements to get you where you need to be.

When budgeting for a trip, even the most thorough planners rarely consider a contingency that includes a five- or six-figure emergency medical evacuation, said Adamski. “To be suddenly faced with a bill like that could be devastating. Also, the expertise of the medical staff that would be helping to coordinate such an evacuation could (literally) be a lifesaver,” he said.

Clark with Squaremouth notes that travelers heading to Europe should look for policies with at least $100,000 in medical evacuation coverage. However, if a traveler is doing more remote activities, such as backpacking through the Swiss Alps or exploring the Scandinavian wilderness, “We recommend at least $250,000 in medical evacuation coverage,” he said.

Travel insurance coverage for baggage and belongings

Lofdahl with Travelex said that the return to travel has been wonderful, but the labor shortage has brought some challenges to the industry. “Delayed and lost baggage is one that most people heard about last year and into this year,” she said. “Every airline experienced increases in lost and delayed baggage, and some even had triple the number of lost and delayed bags as they did in the same period in 2021. I can tell you from experience that this can impact your trip.”

European travel generally can include connecting flights which can increase the likelihood that your luggage can be misdirected or lost.

If your luggage decides to vacation in Madrid instead of Athens, you can file a claim with your travel insurance company. Just be sure to get a report from your airline carrier first.

You may also be able to file a claim for delayed luggage. Depending on your plan, you can purchase a few items to tide you over until your bags arrive at your destination, like a swimsuit, some toiletries and a change of clothes. Just be sure to keep any applicable receipts.

Your travel insurance plan may also reimburse you for other personal effect losses while on your vacation. For example, if your camera gets stolen while touring Copenhagen, or if your leather jacket is swiped while in Milan, you can file a claim. But first, you’ll need to file an incident report with your tour leader, hotel manager or local law enforcement. You will be asked for this documentation during the claim process. 

It’s very important to read your travel insurance documents carefully so you understand the scope of your benefits. There are often per-item limits and caps for coverage, rules about how depreciation will affect your reimbursement levels and exclusions which won’t be covered. For instance, lost or stolen cash isn’t reimbursable, and many high-ticket items like heirloom jewelry and designer watches are often excluded from coverage.

Baggage loss insurance is also typically secondary coverage, meaning it comes into play only after you’ve filed for reimbursement from your airline or homeowners insurance (in the event of theft).

Frequently asked questions (FAQs)

Buying a travel insurance policy for Europe isn’t required, but it is a smart way to financially protect your trip investment and to ensure you have medical coverage while traveling abroad. 

“Just because it’s not required doesn’t mean it’s not a good idea. Unexpected medical bills can be costly, and an unforeseen emergency evacuation or repatriation back home to the U.S. or Canada can climb to tens of thousands of dollars,” said Terra Baykal, spokesperson with World Nomads.

Travel insurance also provides trip cancellation benefits, which can help you recoup the cost of trip deposits. “Travel insurance may reimburse you for your missed nonrefundable, prepaid travel arrangements like hotels, flights and tours, if you need to cancel for a covered reason, like the death of an immediate family member, or your last-minute illness or injury,” said Baykal.

It’s also important to find an insurer who will cover you for all the activities you plan to pursue in Europe. So if skydiving in Switzerland, paragliding in Greece or ziplining in Croatia is in the cards, make sure your insurer covers your more adventurous pursuits, said Baykal. 

World Nomads automatically covers more than 150 adventure activities and sports for U.S. residents without the need for an additional adventure activities rider. 

While not required to enter Europe, a travel insurance policy with emergency medical coverage is a good idea when traveling to Europe, said Baykal of World Nomads.

Many U.S.-based health insurance providers offer no coverage abroad, or very limited global benefits. If your domestic health insurance doesn’t provide adequate coverage outside of the U.S., buying travel medical insurance for Europe is recommended.

Whether your health coverage travels with you outside the U.S. depends on your Blue Cross Blue Shield plan. Check with your carrier to determine the scope of your travel medical insurance . 

According to Blue Cross Blue Shield, travelers should refer to their Certificate of Coverage and riders and also call customer service to find out about limitations to travel coverage.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Erica Lamberg is a regular contributor to Fox News, Fox Business, Real Simple, Forbes Advisor, AAA and USA TODAY. She writes about business, travel, personal finance, health, travel insurance and work/life balance. She is based in suburban Philadelphia.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Travel Insurance for Europe: 4 Best Options for 2024

Allianz Travel Insurance »

Travelex Insurance Services »

Generali Global Assistance »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Europe.

Table of Contents

• Allianz Travel Insurance
• Travelex Insurance Services

You almost certainly will want travel insurance for Europe, mostly because the high cost for international trips is worth protecting against travel delays and trip cancellations. Since your U.S. medical coverage will not apply overseas, you also need international health insurance that covers surprise medical expenses and medical evacuation.

If you're searching for the best Europe travel insurance that money can buy, consider the following plans and all they have to offer.

Frequently Asked Questions

Most people need travel health insurance at a bare minimum when traveling to European destinations like France, Italy or Switzerland, as well as additional countries inside and outside of the Schengen area. After all, U.S. health insurance plans do not provide coverage for medical emergencies overseas, and the same is true for government health plans like Medicare. Check out our article on whether your health insurance covers international travel .

Other benefits built into Europe travel insurance plans can also protect the money that's been spent on airfare, hotel stays, Europe cruises and tours. For example, travelers can benefit from having coverage for trip cancellation, trip delays, lost or delayed baggage, and more.

Every travel insurance policy is unique, so you'll want to read over individual travel insurance plans to see what they protect against. That said, the bulk of travel insurance plans for trips to Europe provide the following coverages:

• Trip cancellation
• Trip interruption
• Travel delays
• Lost luggage reimbursement
• Baggage delay coverage
• Medical expenses
• Emergency medical evacuation
• Rental car damage

Some travel insurance plans also offer additional or optional coverage for sports equipment or sports equipment delays, missed connections, accidental death and dismemberment (AD&D), adventure sports and more.

Some visitors to countries in the Schengen area are required to have a visa for short stays that can last for up to 90 days within a timeline of up to 180 days. However, this is not the case for American citizens, who can stay in Europe for up to 90 days at a time without meeting specific visa requirements.

The U.S. Department of State also notes that American citizens who want to stay in Europe for more than 90 days should reach out to the country they plan on visiting to inquire about their visa process.

If you live in a country that requires a Schengen visa, you are required to purchase Schengen visa insurance that pays for overseas medical expenses. This coverage must provide at least 30,000 euros in protection against medical expenses that result from hospitalization, emergency treatment and repatriation of remains in the case of accident or death.

• Allianz Travel Insurance: Best Overall
• Travelex Insurance Services: Best Cost
• Generali Global Assistance: Best for Medical Emergencies
• WorldTrips: Best for Groups

Optional cancel for any reason (CFAR) and preexisting medical conditions coverage available

Kids 17 and younger covered for free

Lower coverage amount for medical expenses than some providers

• $100,000 per traveler in coverage for trip cancellation
• $150,000 per traveler in coverage for trip interruptions
• $500 in coverage for eligible trip changes
• $50,000 in emergency medical coverage
• $500,000 for emergency medical transportation
• $1,000 toward baggage loss or damage
• $300 in coverage for baggage delays of 12 hours or more
• $800 in protection for travel delays (daily limit of $200 applies)
• $100 per insured person per day in SmartBenefits coverage for eligible delays
• 24-hour hotline assistance
• Concierge services

Optional CFAR and preexisting medical conditions coverages available

Kids 17 and younger are covered for free

Many coverages cost extra

• 100% of trip cost for trip cancellation (up to $50,000)
• 150% of trip cost for trip interruption (up to $75,000)
• $2,000 in coverage for trip delays of five hours or longer
• $750 in coverage for missed connections
• $50,000 in coverage for emergency medical expenses ($500 dental sublimit included)
• $500,000 in coverage for emergency medical evacuation and repatriation
• $1,000 in coverage for baggage and personal effects
• $200 for baggage delays of 12 hours or longer
• $200 for sporting equipment delays of 24 hours or longer
• $25,000 for accidental death and dismemberment coverage
• 24/7 travel assistance
• 100% of the insured trip cost for financial default of a travel provider (maximum of $50,000)
• Trip cancellation and interruption coverage for preexisting medical conditions (maximum of $50,000)
• Cancel for work reasons coverage
• CFAR insurance
• Car rental coverage worth up to $35,000
• $50,000 in additional emergency medical coverage
• $500,000 in additional coverage for emergency medical evacuation and repatriation
• Adventure sports exclusions waiver
• $200,000 in coverage for flight accidental death and dismemberment

CFAR and preexisting medical conditions coverages available

High coverage limits for medical expenses and evacuation

CFAR coverage only reimburses at 60%

• $1,000,000 coverage limit for emergency medical evacuation and transportation
• $250,000 coverage limit for medical expenses ($500 limit for dental emergencies)
• 100% of trip cost for trip cancellation
• 175% of trip cost for trip interruption
• $1,000 per person for travel delays ($300 per person daily limit applies)
• $2,000 per person in coverage for baggage and $500 for baggage delays
• $2,000 per person in coverage for sporting equipment and $500 for sporting equipment delays
• $1,000 per person in coverage for missed connections
• Air flight accident AD&D coverage worth $100,000 per person and $200,000 per plan
• Travel accident AD&D coverage worth $50,000 per person and $100,000 per plan
• $25,000 in coverage for rental cars
• 24-hour travel support

Discounts for groups of five or more

Potential for high coverage limits for medical expenses

No coverage for trip cancellation

Available coverage limits vary by age

• $5,000 for local burial or cremation
• Up to $25,000 in AD&D coverage
• $100,000 in coverage for emergency reunions
• $10,000 in coverage for trip interruption
• $1,000 for lost checked luggage
• $100 in coverage for lost or stolen passports or visas
• $100 in coverage per day for travel delays of at least 12 hours (two days of coverage maximum)
• Up to $25,000 in personal liability coverage

Why Trust U.S. News Travel

Holly Johnson is a travel writer who has created content about travel insurance, family travel, cruises, all-inclusive resorts and more for over a decade. She has visited more than 50 countries around the world and has an annual travel insurance plan of her own. Johnson also has experience navigating the claims process for travel insurance plans and has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson works with her husband, Greg, who is licensed to sell travel insurance and owns the travel agency Travel Blue Book .

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The Best Travel Health Insurance Companies for Europe

If you’re traveling to Europe this summer, you will definitely want travel insurance to supplement your trip in case anything goes wrong. These are six of the best travel insurance companies for coverage in Europe.

Photo: Pexels.com

When you’re planning a trip to Europe, half of the fun is working out the details of your itinerary, creating a bucket list of attractions to visit, and mapping out the route you want to take.

It’s easy to forget about the finer details, like travel insurance.

That’s just human nature. Who wants to think about the bad stuff when there’s so much to look forward to?

Travel insurance gives you peace of mind while you’re exploring. It doesn’t matter if you’re planning a relaxing wine tour through Italy or a more adventurous jaunt through Switzerland – being insured means you’ll come home with only awesome memories and not outrageous medical bills.

But there are different types of travel insurance for Europe and the Schengen zone. Here’s how to pick the best one for your needs.

Why You Need Travel Insurance for Europe

So why do you even need travel insurance for Europe, anyway?

It all comes down to a very blunt truth: literally anything could happen while you’re on the road, and you need to protect yourself. It’s truly no different than having health insurance in your home country.

Travelers don’t like thinking about worst-case scenarios, but it’s the responsible thing to do. And a good travel insurance policy covers everything from the smallest stuff – like lost and stolen luggage – to all the big picture items, like natural disasters or broken bones. Yes, even death.

In countries where you’re not a resident, the cost of things like medical bills and emergency evacuation are drastically higher than in your home country (even compared to the US, where those bills are crazy high already). So while you might not like the idea of dishing out money for insurance, you definitely don’t want to return from your trip with hundreds of thousands of dollars in medical expenses.

Note: Depending on your home country, you might need to apply for a Schengen visa. Furthermore, countries outside the Europe Schengen zone may have different visa and travel insurance requirements than member states inside the Schengen zone, including the UK. When in doubt, talk to an agent!

BEST TRAVEL INSURANCE COMPANIES FOR EUROPE 

If you take away just one important thing from this article, let it be this: Europe travel insurance is necessary. Just because these countries are developed and modern doesn’t mean you’re immune to accidents or illness on your travels.

Have a look at the different Europe travel insurance companies and their travel insurance plans.

1. Seven Corners: Best Travel Insurance Policy for Students

So you’ve got your visa application sent off and you’re planning on studying for a semester in Europe. Welcome to one of the best experiences of your life!

It’s likely that you’ll be required to have Europe travel insurance as part of your visa requirements to study abroad (and you may even need to present proof of insurance with your visa application and your visa letter). Regardless, travel health insurance is a must—and Seven Corners is the best.

Seven Corners has three different travel insurance plans specifically designed for international students. Each one is customizable so that you can even change the amount of medical coverage (up to $250,000) as well as the deductible. When you visit the student health center at your school, it’ll only cost you a $5 copay. Trip cancellation and interruption are also covered.

There are tons of options to add as well. For example, if you want to visit family back home while on your holidays, you can add coverage for when you return to the US (or wherever home may be). That means if you get into an accident while you’re at home, you’ll have health insurance coverage.

Get a quote

2. SafetyWing: Best Travel Insurance Policy for Expats & Long-Term Travelers

SafetyWing has incredibly unique travel insurance offerings for long-term travelers/expats.

SafetyWing is a rare gem of a travel insurance company because their plans allow you to have coverage for as long as you want. It works like a subscription, and your plan renews every four weeks automatically (until you cancel).

You’ll get coverage up to $100,000 for travel medical insurance and emergency medical evacuation coverage in 180+ countries. Trip interruption and trip delay coverage is also included (up to $100/day), but trip cancellations are not.

There’s one downside: SafetyWing’s insurance policies will not cover your gear. For digital nomads traveling with laptops, cameras, and other items of high value, this may be a dealbreaker. The good news is that you can add supplemental insurance like InsureMyEquipment to make sure you’ve got complete coverage.

More information

3. World Nomads: Best Travel Insurance Policy for Adventure Travelers

World Nomads is an all-around awesome insurance provider, but especially if you’re an adventurous type. They cover over 300 sports and activities, and their Explorer Plan is catered specifically to those interested in higher-risk activities.

Snowboarding in Switzerland? Diving in the Mediterranean? Competing in an air guitar competition (seriously) in Finland? This is the policy for you.

World Nomads’ plans include up to $100,000 in emergency medical coverage, medical evacuation and repatriation, and coverage for stolen or lost luggage. Bonus: their policies have always provided coverage for pandemics/epidemics, so you’re well covered up to $100,000 in emergency medical for COVID-19 too.

The user experience and customer service with World Nomads is also top-notch. If you’re not completely sure if your activity is covered, definitely speak with an insurance agent about your case.

4. Tin Leg: Best Travel Insurance Policy for Seniors

If you’re a senior ready to leave behind the US and make your dream of Europe travels come true, Tin Leg is the travel health insurance company for you.

Travel insurance requirements can be stringent for seniors, especially if you have pre-existing conditions (or if you’re over a certain age). Tin Leg is unique in that it offers travel insurance for people up to age 90!

Tin Leg has a few different plans, including the Tin Leg Economy policy with basic trip cancellations and medical coverage up to $20,000. That’s a bit low compared to other plans, but the Tin Leg Luxury policy covers people up to $100,000 for emergency medical and $250,000 for emergency medical evacuation and repatriation.

Pre-Existing Condition coverage is also included if your policy is purchased within 15 days of booking your Europe trip.

5. Travelex: Best Travel Insurance Policy for Families

Taking the whole fam on a country-hopping tour of Europe? Travel insurance coverage is a must for the whole gang.

One of the best things about Travelex is that they provide free coverage for all children age 17 and under, as long as they’re traveling with you under a single policy. It doesn’t matter if you have one kid or five…they’re all covered for travel health insurance!

Travelex is a heavy-duty insurer, and although they only have two main plans they also tons of add-on options. The Basic plan covers $15,000 in emergency medical expenses, $100,000 for emergency medical evacuation, and $500 for lost and damaged baggage.

But with their Travel Select plan, your coverage skyrockets: you’ll get $50,000 in emergency medical, $1,000 for lost or damaged luggage, and $500,000 in medical evacuation coverage. You’ll also get 150 percent of your insured trip cost reimbursed if your trip is interrupted.

6. AXA: Best Travel Insurance Policy for Multiple Trips

If you’re addicted to Europe travel, getting covered by Ama’s Multi-Trip Schengen visa travel insurance is a must.

Multi-Trip is an AXA Schengen visa insurance for frequent travelers who plan on making several trips to Europe over one year. That means if, for example, you’re traveling between the US and France all year on business, you don’t have to purchase travel insurance more than once.

AXA offers medical insurance for expenses up to €100,000 ($111,000) for both the Schengen zone as well as other countries outside of Schengen. If your Europe travel takes you to places like Monaco and Liechtenstein, the AXA Multi-Trip Schengen travel insurance is a great option for you.

But before you plan multiple trips all over Europe, make sure you’re aware of the Schengen visa requirements. Citizens of certain countries may need to apply for a visa depending on the country (if you’re a traveler from the US, you likely won’t have to). Visa refusal is never a fun experience, so make sure to include your AXA Schengen visa insurance certificate with your visa application.

If you’re unsure about anything, AXA has some great customer service. When in doubt, give them a call.

EUROPE TRAVEL INSURANCE FAQs 

Now that you’re aware of the different Europe travel insurance options and their different travel insurance policies, let’s make sure you’re clear on everything else travel insurance related.

Is travel insurance necessary in Europe? 

Yes, as soon as you leave the US (or your home country) to visit Europe and the Schengen area, travel insurance is necessary. Travel medical insurance is by far the most important asset for any traveler because those medical expenses will skyrocket if you get sick or injured abroad.

Plus your Schengen travel insurance should also cover things like trip cancellations and interruption. No matter what country you’re visiting, you need to be prepared.

Does travel insurance for Europe also cover the United Kingdom?

It’s important to understand that not all countries are part of the European Schengen area, including the United Kingdom. Your Schengen visa will not apply here, and your European travel insurance may not apply.

Some insurances, like World Nomads, will take into account that you’re traveling all over the European region and that you don’t just need Schengen travel insurance. When you’re requesting a quote online, you can select each destination you’ll be visiting.

You need to check with your travel insurance plan to make sure you’re covered for all your medical expenses and emergency evacuation (as well as anything else you want).

Talk to some travel insurance agents for greater clarity on your options. Europe travel awaits!

How much travel insurance do I need for Europe? 

The amount of travel insurance coverage you need for Europe/the Schengen area really depends on what you’re planning to do. In any case, your insurance plan should at least cover you for up to $100,000 in medical expenses and emergency evacuation.

You’ll also want to consider what kind of expenses you’ll incur if you’re not covered for things like trip interruption, cancellations, and lost/damaged luggage. You can’t often make corrections to your travel health insurance plan after you’ve begun traveling, so make sure you get it right!

Do US citizens need travel insurance for Europe?

Yes, US citizens absolutely need travel medical insurance for Europe, including the Schengen area.

If you’re a US citizen and you get sick or if you’re seriously hurt while in Europe or the Schengen area, you could face crazy high medical expenses. That could mean hundreds of thousands of dollars in medical debt.

Europe travel insurance is a must for any traveler, and that means US citizens too.

What countries are included in Europe travel insurance?

Generally, Europe/Schengen travel insurance will cover all European countries. As mentioned above, insurers know that you’re likely to visit more than one country on your trip.

But do your homework. Some popular European countries aren’t part of the Schengen area, including the likes of Bulgaria, Croatia, and even the United Kingdom. When it comes to insurance coverage, make sure you read the fine print and make any corrections to your policy as needed.

Residents from certain countries other than the US may require a visa as well, and applicants will want to apply well in advance. Bottom line: your travel medical insurance (just like your Schengen visa requirements) may differ depending on where you’re going.

Does my health insurance cover me in Europe?

Depending on the health insurance coverage you have at home, you may have travel coverage for Europe travel too. Keep in mind this is still travel insurance though—you won’t be able to claim expenses for things like cosmetic surgery abroad.

But in general, residents of the US (and residents of other places, for that matter) shouldn’t assume they’re covered.

Pro-tip: review your policy in great detail before you leave, in case you need to make any corrections.

Do I need Schengen visa insurance for Europe?

Many citizens do not need a Schengen visa before traveling to Europe. You’ll need to figure out what the Schengen visa requirements are for your country first. If you’re a US citizen, for example, you do not need to apply for a Schengen visa.

Applying for a visa can be a daunting experience for some citizens, but the online process for applicants is pretty straightforward. Absolutely make sure you have proof of your Schengen visa travel insurance secured beforehand (like the AXA Schengen visa insurance certificate mentioned earlier), and include it with your visa letter and visa application.

Once you’ve received your Schengen visa, you’re good to go.

Now it’s time—are you ready to see Europe?

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Travel Insurance for holidays in Europe

Travel insurance for europe .

Europe is like a treasure chest brimming with wonders waiting to be discovered. Whether you're wandering through ancient ruins, savoring mouthwatering cuisine, or marveling at famous sights like the Eiffel Tower, there's something magical for everyone to experience.

But no matter where your adventures lead you, it's smart to be prepared. Here’s everything you need to know about travel insurance for Europe. We'll show you the ropes so you can expect a safe and worry-free journey.  

Discover our Travel Insurance for Europe

• What should your Travel insurance cover for a trip to Brazil? 
• How Does Travel Insurance for Brazil Work?
• Do I need Travel Insurance for Brazil? 
• How Much Does Travel Insurance Cost for Brazil?

Our Suggested AXA Travel Protection Plan

What types of medical coverage does axa travel protection plans offer.

• Are There Any COVID-19 Restrictions for Travelers to Brazil?
• Traveling with pre-existing Medical Conditions? 

Travel Insurance Germany | Travel Insurance Italy   | Travel Insurance France  | Travel Insurance Greece  | Travel Insurance Iceland  | Travel Insurance Norway  | Travel Insurance Switzerland   | Travel Insurance Spain   | Travel Insurance UK  | Travel Insurance Ireland

What should your travel insurance cover for a trip to europe.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders.   

In just a few seconds, you can get a free quote and purchase the best travel insurance for Brazil.

How Does Travel Insurance for Europe Work?

Picture yourself wandering through the streets of Rome. Suddenly, a mishap occurs – perhaps a twisted ankle while exploring the Colosseum. In this moment, AXA Travel Protection proves invaluable. With their support, you gain access to quality healthcare, addressing your injury without fretting over medical bills. This safety net allows you to focus on recovery, so your European journey isn't marred by unexpected health setbacks.

Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver) : Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days : Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days : Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.

Do I Need Travel Insurance for Europe?

Travelers from the United States and other visa-free countries do not need travel insurance to visit Europe. However, if you're from a country that requires a visa for the Schengen area, you must have travel insurance. Even if travel insurance isn’t required for your entry, securing one is still highly recommended.

Why? There are several reasons:  

Medical Emergencies : Exploring Europe often involves extensive walking and adventurous activities. In the event of unexpected illness or injury, having coverage for medical expenses allows travelers to seek necessary medical treatment without worrying about exorbitant costs.  

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.  

Trip Interruption: Unforeseen events such as natural disasters, political unrest, or personal emergencies can disrupt your European adventure. Trip interruption coverage may protect travelers if they need to cut their trip short due to unexpected circumstances.

How Much Does Travel Insurance Cost in Europe?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:  

Total Trip cost: The total amount of non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.

Age: L ike any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.  

With AXA Travel Protection, travelers to the United Kingdom will be offered three tiers of insurance: Silver,   Gold  and  Platinum . Each provide varying levels of coverage to cater to individual's preferences and travel needs.

AXA presents travelers with three travel plans – the Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Europe hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.  

The Platinum Plan is your go-to choice if you're looking for extra coverage for Europe’s experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Europe's stunning landscapes in a rental car.  

Traveling to Europe for a ski or golf getaway? The Loss Skier Days and Loss Golf Days benefits, optionally available with the Platinum plan, have got you covered. If unexpected slope closures or golf course shutdowns disrupt your plans, these optional benefits may offer reimbursement for prepaid ski tickets or golf arrangements. This way, you can hit the slopes or the greens worry-free, knowing AXA has your back.  

AXA covers three types of medical expenses:

Emergency medical

Emergency evacuation & repatriation

Non-medical emergency evacuation & repatriation  

Emergency medical: Can cover unexpected incidents like broken bones, burns, sudden illnesses, and allergic reactions that require immediate medical attention.

Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.

Non-medical emergency evacuation and repatriation: Can cover evacuation assistance when you must leave a place urgently due to non-medical reasons like natural disasters or civil unrest.  

Are There Any COVID-19 Restrictions for Travelers to Europe?

No vaccination or COVID testing is required for entry into any European country.  

Traveling with preexisting Medical Conditions to Europe?

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip. Our Gold Plan , and  Platinum Plans  offer coverage for preexisting medical conditions. The Platinum plan is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,  

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plan with a preexisting medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60 day look back period. We're here to make sure you travel with ease, no matter your health situation.  

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.  

2.When should I buy Travel Insurance to Europe?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.  

3.Do Americans need travel insurance in Europe?

Although not mandatory for entry into Europe, having a travel insurance policy that includes emergency medical coverage is highly advisable when visiting the continent.  

4.What is needed to visit Europe from the USA?

US travelers entering Europe must have a valid US passport with at least six months left before expiration, any necessary visas, and ensure their passport remains valid for each country they visit. They must also have a clear reason for traveling and demonstrate adequate financial means for their stay.  

5.What happens if a tourist gets sick in Europe?

If you become sick in Europe, travelers with AXA Travel Protection can contact the AXA Assistance hotline 855-327-1442. Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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valid for all Schengen trips

Health Insurance with unlimited insured sum from 1.70 € per day

• Schengen Travel Insurances
• Schengen Health Insurance 1 year unlimited

Schengen Health Insurance for 1 year with unlimited insured sum

Schengen health insurance offering an unlimited insured sum for guests from abroad travelling to Europe (Schengen) for up to one year. This health insurance is valid for entries without Schengen visa as well as for Schengen visa applications.

Available for any reason of stay in Europe like private trips, semesters at European universities, educational stays like traineeship or apprenticeship, au pair stays with a European homestay family or business trips to the Schengen Area.

This comprehensive Schengen health insurance offers an unlimited insured sum (no maximum benefit) for medical treatments of illness or accident, painkilling dental treatment, pregnancy treatment and medical transports. Additional insurances automatically will be offered: accident insurance, liability insurance and luggage insurance for Schengen trips.

Our Schengen health insurance meets all requirements of Schengen visa applications including a minimum insured sum of 30,000 €. All policies show a written confirmation, which can be submitted to embassies and consulates for Schengen visa applications. Payment of premiums can be made by instalments and premiums will be refunded in case of Schengen visa refusal.

CALCULATE PREMIUM AND BOOK  

List of benefits Schengen Health Insurance

List of benefits schengen accident insurance, list of benefits schengen liability insurance, list of benefits schengen baggage insurance, list of benefits schengen travel assistance insurance, calculate premium &, most important.

Booking period: At any time until entry as well as after entry to the Schengen Area.

Please note that there is a waiting period of 31 days in case of booking after entry to the Schengen Area without prior insurance since entry.

Terms & Conditions:

• Schengen Health Insurance Basic
• Schengen Health Insurance Profi

For stays in the Schengen Area of maximum 365 days.

This Schengen health insurance offers an unlimited insured sum.

Insurer: HanseMerkur

• Schengen Health Insurance 1 year limited
• Schengen Health Insurance 5 years
• Cancellation Cost Insurance

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Travel Insurance For Europe Explained

Updated: Nov 23, 2023, 1:13pm

Table of Contents

What is travel insurance for europe, what countries does travel insurance for europe cover, do travel insurance policies for europe cover covid-related risks, how do i find the best europe-only travel insurance, frequently asked questions (faqs).

Travelling from one side of Australia to another can be tricky enough, but crossing the globe to Europe can present challenges on a larger scale.

For those misfortunes that hit the wallet, there’s travel insurance for Europe. From tripping and breaking a leg in Belgium to losing your luggage en route to Lithuania, a policy for Europe can cover a broad range of unfortunate events.

As Australia shares a reciprocal healthcare agreement with a limited few European countries, travel insurance may provide the only means for travellers to cover the hundreds (and often thousands) of dollars emergency treatment can cost.

Given the distance, and the time you’d likely want to spend in Europe to make the trip worthwhile, travelling to the Continent likely won’t come cheap. However, with a suitable policy in place, you can have peace of mind that should an emergency—such as a family bereavement—cause you to cancel your plans, lost expenses can also be recouped.

We break down exactly how travel insurance for Europe works below.

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Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Once you’ve booked your European getaway, it may be tempting to put your holiday preparation on hold until you’re ready to start packing. However, taking out travel insurance can be a crucial next step to ensure you’re protected should anything go wrong with your trip.

When purchasing a policy, you’ll need to specify where you’re heading. If you’re taking a one-off trip within the space of 12 months, a single trip policy will do. When applying for this type of policy you may need to state the country or countries you’ll be visiting individually, or state your destination as ‘Europe’, depending on the insurer.

For cover for multiple trips throughout the year, you may want to opt for an annual multi-trip policy, which can be more cost-effective, and requires less paperwork than taking out an individual policy for each trip. Annual multi-trip policies usually provide cover for areas of the world, rather than specific destinations. Typically, insurers offer cover for Europe, or allow travellers to choose between worldwide cover that includes the US and neighbouring destinations or worldwide cover that excludes them.

The latter would cover your trips if not venturing to the US. This type of policy is typically the cheaper option owing to the lower medical and liability costs at destinations in parts of the world such as Europe, compared to North America.

Before taking out the policy it’s best to check your holiday destination is definitely covered by looking through the fine print, or contacting the provider, as definitions of ‘Europe’ can differ between insurers. Some may exclude countries such as Turkey, or cover destinations such as Egypt and Morocco under their policies for Europe.

What does travel insurance for Europe include?

Australia shares a reciprocal healthcare agreement with only a few European nations:

• The Netherlands;
• The Republic of Ireland;
• Sweden; and
• The United Kingdom.

While some medical costs are covered for Australians visiting these countries, other costs—such as private care or dental treatment—may not be. It’s therefore advisable to take out travel insurance to be safe.

With a basic policy in place, travellers can also claim for emergency medical treatment for injuries or illness, and medical evacuation and repatriation, while in other European countries not listed above.

Among a range of other benefits, travel insurance can cover the loss, theft, damage or delay of your baggage and personal possessions, and trip cancellation for reasons such as if you or a close one fall seriously ill, or a close relative or business partner dying.

Comprehensive policies usually offer a broader range of cover including, for example, personal accident cover should you sustain an injury during your trip that leads to permanent disability or death. They can also cover travel delay if your scheduled transport is late by at least 12 hours, or a minimum of six hours in some cases.They also usually provide higher cover levels.

Optional protection may be available to bolt-on to basic or comprehensive policies at an additional cost. This includes cover for lost or stolen devices and snow sports.

Many policies extend their medical cover to falling ill with Covid while away. They may also cover trip cancellation due to you, a travel companion or someone you were due to stay with contracting the virus. The full scope of cover can differ between policies and will be detailed in the fine print.

As particularly highlighted by the Carnival cruise company scandal, cruise ships can be a hotbed of illness, with large numbers of travellers confined to a limited space. If you do intend to take a cruise holiday, remember specific cover designed for this type of trip will be required. Many insurers offer it as an optional extra.

Related: Our Pick Of The Best Cruise Travel Insurance

It can help to shop around, rather than settling for the first policy you find, if you want a deal on cover.

Remember to compare the policy price, cover levels and the excess the policy levies. This is the set portion of each claim amount payable by the policyholder. The more expensive a policy, the lower the excess typically is.

To find our leading picks for comprehensive travel insurance policies, click here . You can also find out how to lower your travel insurance premiums in our guide to cheap travel insurance .

You can then run quotes on the insurers’ websites of your choice.

As a rule of thumb, it’s best to purchase any travel insurance policy as soon as you have booked your holiday to be covered for trip cancellation as early as possible.

An insurer will likely reject any claims resulting from something that started, or took place, before you took out the policy.

Why do I need travel insurance in Europe?

Travel insurance is not compulsory for Australians travelling to Europe. However, it can be a useful financial tool, if you’re unsure how you would cover emergency costs or financial losses, if something should go wrong while you’re away. Emergency treatment abroad can be particularly costly, often amounting to hundreds and thousands of dollars.

How much travel insurance do I need for Europe?

The level of cover you choose should suit your personal requirements and travel plans.

Most travel insurance policies for Europe offer medical cover into the millions, if not an unlimited amount.

Your baggage cover limit should match the value of the belongings you are taking with you, while cover for trip cancellation should cover your total holiday costs.

What is Schengen travel insurance?

The 27 European countries which make up the Schengen area allow the free movement of their nationals across their internal borders without border controls.

Nationals from most other countries require visas to visit the Schengen area, and also are legally required to take out travel insurance specifically for their trip.

However, Australians are among the nationals of around 60 countries who can travel to the Schengen zone visa-free for up to 90 days within a 180-day period, and can therefore choose whether or not to purchase travel insurance.

A policy for Europe, or worldwide cover (excluding or including the US and surrounding countries) should cover a trip to any of the member countries, but it’s best to check the policy fine print to make sure your particular destination is covered.

The 27 Schengen countries are: Austria, Belgium, Czech Republic, Croatia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.

Will travel insurance for Europe cover pre-existing conditions?

Only some insurers offer cover for pre-existing conditions. These are medical conditions that you had before taking out the policy.

When applying for travel insurance you will need to declare any pre-existing conditions you have. The insurer may charge more to cover you, reflecting the higher risk that you’ll claim for medical costs due to your condition.

If you withhold information, and later make a claim relating to the condition, it could invalidate your policy.

What is snow sports cover?

Europe is known for its numerous ski resorts. If you plan to hit the slopes, make sure you’re covered for snow sports.

This cover usually is offered as an optional extra to add to your policy. It is also available from specialist providers as standalone insurance.

Typically it covers lost or stolen equipment, compensates for avalanche or landslide disruption and pays out for piste closure, among other benefits.

Can I change my annual-multi trip cover for Europe?

When purchasing annual multi-trip cover you’ll need to know in advance which destinations you’ll be visiting over the next 12 months.

If you decide at a later date, you would rather have a worldwide policy that includes the US and surrounding destinations, for example, you should contact your insurer. They may be able to change your cover at an extra cost. If not, you would need to buy a new policy.

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Get Your Schengen Insurance

• Hospitalisation expenses up to 30,000€
• Assistance in the event of illness/injury and death
• Coverage in the Schengen area

Extend Your Coverage

• Hospitalisation expenses up to 60,000€
• Assistance in the event of illness/injury and death
• Coverage in the Schengen area + European Union
• Return/relocation and lodging expenses of a companion

Before traveling, please check the guidelines provided by the World Health Organization, the European Union and your local government. Important restrictions are applied to the Schengen Area and visas are likely to be limited to specific travels only. Our travel insurance policies are made to protect you against unforeseeable events, such as sudden illnesses or accidental bodily injuries. We remind you that epidemics and/or infectious diseases such as CoVid 19 are excluded from our policies.

Schengen travel insurance

Europ Assistance makes it easy for you to select and purchase your travel insurance online. Your insurance will be ready in a matter of minutes and our insurance certificates are recognized by embassies, consulates and visa centers around the world , which helps you acquire a Schengen visa for your next trip to Europe. You will immediately receive the certificate and you will be able to download it at any time in any of our six languages : English, French, Spanish, German, Russian or Chinese.

Which countries are in the Schengen area?

The Schengen area is made up of 26 countries (and 3 microstates) where travelers and residents can move freely from state to state without a passport, as there is no longer common border control between Schengen states. Travel insurance is highly suggested for all travelers, and for most countries is mandatory , as it is needed to obtain the visa to enter the Schengen area. You can obtain your visa application form from the country you plan to enter through first or the one you plan to spend the most time in. ​

The leading Schengen travel insurance provider

When you choose Europ Assistance as your Schengen visa travel insurance provider, you also get the support and expertise of 750,000 partners . If something goes wrong, not only will your medical expenses be properly reimbursed, but you will also get help from competent medical professionals at qualified medical centers, no matter where you are. During stressful situations or emergencies abroad, communicating in your native language can be a source of comfort. When such a situation occurs, you can trust that Europ Assistance will be there to help you 24/7 .

If you wish to subscribe for more than 20 people, please contact us

Travel dates

• Country of residence All travellers are from the same country of residence : Yes No

A Schengen visa is not required for your trip, however, you should still consider purchasing travel insurance. You can travel with peace of mind and are covered throughout the European Union with our Schengen Plus cover.

• Hospitalisation expenses up to  60,000€
• Coverage in the Schengen area +  European Union

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Travel Insurance for Europe

Whether you fancy a city break filled with romance in Paris, a visit to the beautiful beaches of the Canary Islands or you want to witness the majestic beauty of the Northern Lights, Europe has a destination for almost every type of holiday.

While holidays to France are all about culture and great food, trips to Iceland allow you to see Europe’s wilderness and wildlife at its beautiful best. Alternatively, you can take a trip as far away as Russia, and learn more about the country’s history or be mesmerised by the beauty of Red Square. If you’d rather shop until you drop, try Milan’s gorgeous designer boutiques.

With so much choice, it can be hard to pick just one destination, which is why interrailing has become so popular. You can leave with your backpack and explore everything this beautiful continent has to offer on one trip. If you’re taking an extended break in Europe, then our  Backpacker  insurance could be a good fit.

Below is some more information about our insurance products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

Why do you need travel insurance for Europe?

You may think that travel insurance isn’t as important when you’re staying closer to home, but the truth is, things can still go wrong.

For example, your flight might be cancelled, your luggage may be lost, or your valuables could be stolen by pickpockets at busy tourist attractions. Thankfully, travel insurance for Europe can help protect you against these risks and more. Accidents can happen wherever you are but, with European travel insurance, you’ll have peace of mind knowing that you’re protected if something doesn’t go to plan. 

What's covered?

We offer three types of holiday insurance for Europe: Single Trip , Annual and Backpacker .

Our Single Trip travel insurance for Europe covers you for a maximum of 180 days at any one time. But, if you’re planning on going away more than once this year, then our Annual travel insurance for Europe may be a better fit. It covers you for an unlimited number of trips, up to 31 days in duration over a 12-month period. Alternatively, if you’re aged 50 or under and you’re travelling across Europe to a number of destinations as part of a career break or a gap year, then you could find that our Backpacker insurance is a better option.  

Across our Single Trip and Annual policies, we also offer three different levels of cover: Bronze, Silver and Gold. These have different payment limits and excess amounts.

With our travel insurance for Europe, you can be protected against: 

• Cancelling or curtailing your trip
• Emergency medical and associated expenses
• Loss of passport*
• Delayed personal possessions
• Lost, stolen or damaged personal possessions*
• Loss of personal money*
• Personal accident cover
• Missed departures
• Delayed departures
• Personal liability
• Legal expenses
• End-supplier failure**
• *Not available with Bronze level cover
• **Only available with Gold level cover
• Terms and Conditions apply.  

If you have any activities planned, you can also choose to purchase additional cover. If you’re planning on skiing in the picturesque Val-d'Isère, then our Winter Sports and Ski add-on can protect you against things like piste closure and lost ski equipment. 

To understand exactly what you're covered for and to find out whether any exclusions apply, please read your policy documents . If you have any questions about your policy, please get in touch with us.

Frequently Asked Questions

Our European travel insurance covers all of Europe* and some destinations outside mainland Europe, such as Morocco. Countries covered by our European travel insurance include:

• Continental Europe
• Islands in the Mediterranean
• The Channel Islands
• The Isle of Man
• The Canary Islands
• The Republic of Ireland

*Please note that you will not be covered if you travel to a country or region that the Foreign, Commonwealth and Development Office has advised against all travel or against all but essential travel. 

The cost of taking out a travel insurance policy for Europe will vary, depending on the type and level of cover you choose, your age and whether you purchase any add-ons. If you have any pre-exisitng medical conditions, this will affect you eligibility for cover.

To find out how much your holiday insurance for Europe will cost, get a quote today. 

All prices we quote include Insurance Premium Tax (IPT).

Currently, you do not need a visa for short trips to Iceland, Lichtenstein, Norway, Switzerland and any country in the European Union (EU). If you don’t have a visa, you can stay for up to 90 days in any 180-day period. This 90-day limit is an accumulation of the time spent in all of these countries during the 180-day period. If you exceed this limit, you may require a visa.

These rules are slightly different for visits to Bulgaria, Croatia, Cyprus and Romania. Only the time spent within any one of these countries counts towards the 90-day limit within the 180-day period.

You may require a visa if you are travelling for business, work or study. It's also possible that you’ll need to complete the online ETIAS  application form before setting off.

Bear in mind that with our European Annual Travel Insurance, we include some countries that are outside the EEA for example Egypt and Libya. You will need a visa to travel to these countries. You can check the entry requirements  here.

If you’re travelling within the European Union (EU), then an EHIC card is an important document to have. It is not however a replacement for European travel insurance. Also, despite the UK leaving the EU in January 2021, the EHIC remains valid for UK holders until the expiry date of their card. However, once your EHIC has expired you will have to apply for a Global Health Insurance (GHIC). The GHIC will take the place of the EHIC and can be applied for and ordered now if you don't already own an EHIC.

Both the EHIC and the GHIC entitle you to cheaper (sometimes free) emergency treatment in a number of EU countries. Although the card entitles you to the same treatment as local citizens, you should be aware that many countries do not have their version of the NHS, so you may still have to pay for some aspects of healthcare.

For this reason, you should still take out travel insurance for Europe. That way, your medical bills will be included in your cover, and you’ll also be covered for things like cancellations, delayed flights and delayed personal possessions.

If you’re taking a holiday in the UK, travel insurance is still important. Although you won’t need health insurance because you still have access to the NHS, your European travel insurance will still cover things like cancellations, lost luggage and stolen possessions.

Our Annual travel insurance for Europe includes the UK, so your staycation will be covered if you choose ‘Europe’ as your area of cover.  Special UK only rates are also available on our Single Trip policies

Other popular products from Allianz Assistance

Annual Multi-Trip Travel Insurance

Single Trip Travel Insurance

Backpacker Travel Insurance

Family Travel Insurance

Cruise Travel Insurance

Get active on your next holiday with our sports and leisure add-ons.

Winter Sports & Ski Travel Insurance

Sports & Leisure Insurance

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Annual multi-trip travel insurance

Cost-effective, convenient cover if you travel frequently

Available to everyone aged 75 and under

Kids go free (1)

Travelling more than once this year?

If you're going away more than once in a year, it's worth considering annual multi-trip travel insurance. Taking out this cover means you can travel without the worry, or the hassle, of getting cover every time you go.

Please note there’s a limit to the length of time you can spend away on any individual trip. All Post Office Travel insurance policies cover you up to a maximum of 31 days. If you’re going to be away for longer, you can add our trip extension cover. This gives you an extended protection of 45 or 60 days, for an additional premium.

Medical Assistance Plus: 24/7 holiday health support

Have peace of mind when you travel knowing health professionals are just one click away.

Medical Assistance Plus (2), powered by Air Doctor, comes free with all our travel insurance policies. It gives you access to outpatient medical support while you’re away.

Through the service you can book an in-person or video consultation with a doctor. You can also get prescriptions delivered to your nearest pharmacy.

We’ll send you an SMS reminder about the service the day before you travel (for single-trip and backpacker cover) or the day before your policy begins (for annual multi-trip cover).

What’s covered?

Here’s a summary of the cover our annual multi-trip policies provide. For full details check our policy documents. Terms and conditions apply.

Kids covered for free

If you buy a family annual multi-trip travel insurance policy, your children aged under 18 will be covered at no extra cost. All you have to do is name them on the policy, and confirm that they have no medical conditions. They’ll be covered even if they’re invited on holiday with another adult, such as a friend or relative

Emergency medical expenses

We may be able to help if you need emergency medical treatment, return to the UK and more while you’re abroad

Delayed departure (3)

You’re covered if your first outbound or final inbound international departure is delayed by 4 or more hours. As long as it matches certain reasons set out in the policy wording

Items that are usually carried or worn during a trip are covered if they get lost, stolen or damaged

Personal liability and legal costs

We also include protection for any unexpected personal liability and legal costs you might be charged while you're away

Sporting activities included

We cover over 100 sports and activities free of charge, but there are some we don’t cover at all. Check your policy wording for the full list and our terms and conditions, as some aren’t covered for personal injury or personal liability

Choose a travel insurance cover level

We can offer you a choice of economy, standard and premier cover levels.

Policy wording

Upgrade your cover with ease

Need cover for your policy that's not included as standard? Just pay a little more to add these upgrades – optional or mandatory depending on the trip type.

This optional extra helps protect you from the impact of airspace disruption, natural catastrophes, terrorist acts or Covid-19 (5)

If you’re happy with the cover offered, but worried about excess fees, you can opt for an excess waiver. For an additional premium, you can add it to any Post Office level of cover for zero excess fees (5)

Insure all your devices with our easy-to-add gadget cover. It’s perfect to protect all your smartphones, tablets, laptops and consoles (5)

Specialist cover is mandatory for winter sports like skiing and snowboarding. There’s greater risk of emergency costs. Make sure you’re protected on the pistes (5)

If you're going on a cruise, specialist cover is both important and mandatory. It covers missed departure due to breakdown, falling ill on board, being confined to your cabin, lost baggage and more (5)

Trip extensions are available up to 45 or 60 days, increasing from the standard 31 days (5)

All medical conditions considered

Living with a medical condition shouldn’t stop you seeing the world. And, with the right travel insurance in place, you can enjoy peace of mind on your adventures – just in case something unfortunate happens.

At Post Office, we cover most pre-existing conditions. Contact us for a quote to see if we can cover you. It’s important to declare upfront all your medical conditions and any medication you're taking.

If we can't help and yours is a serious pre-existing medical condition, check the  Money and Pensions Scheme (MaPS) directory. It lists companies that may be able to help you. Or call 0800 138 7777 .

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance

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Best travel insurance provider.

Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023

Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023

Defaqto 5-star cover

Our travel insurance policies with premier level cover are Defaqto 5-star rated

Common questions

Does annual multi-trip travel insurance cover covid-19.

Policies purchased from 28 March 2024 onwards provide cover if:

• You test positive for Covid-19 within 14 days of your trip and are required to self-isolate by a medical practitioner, the NHS or any UK government body
• A medical practitioner certifies you as too ill to travel due to Covid-19
• You, someone you’re travelling with, or someone you’re staying with is required to self-isolate by a medical practitioner, UK government body or health authority
• You, an immediate relative (6) or someone you plan to travel or stay with dies or is hospitalised due to Covid-19

If an insured trip has to be cut short, the unused portion of it can be claimed for if:

• You, an immediate relative (6), or someone you’re travelling or staying with dies or is hospitalised due to Covid-19

There’s also cover for medical and repatriation costs if you fall ill with Covid-19 while away. Call our emergency assistance line and we’ll help you seek treatment. If needed, we can also arrange to bring you back to the UK.

There’s no other coronavirus cover on our policies, but for extra reassurance you can add our trip disruption cover upgrade option. This gives you added protection against missed departures and expenses charged due to change of testing or quarantine requirements. Add it to your preferred policy for an extra premium.

If you bought your policy with us between 31 March 2022 and 27 March 2024 , some cover for Covid-19 is included as standard. Please visit our coronavirus FAQs page for the full details.

Should the FCDO advise against all travel to your destination, there’s no cover under any section of the policy if you decide to travel.

It’s important to follow FCDO advice on essential travel. If you choose to travel and the trip’s not essential, we’ll only cover a claim if the cause isn’t linked to the reason for the FCDO advice. This limitation applies even if you’ve purchased an optional trip disruption upgrade. You may be able to travel with full cover if we authorise, in writing, that your trip’s essential before you travel. To request this, please email  [email protected] .

Please make sure you’re clear what’s covered and what’s not. Check the answers to common questions about coronavirus cover and the full policy wording for more details.

What is annual multi-trip travel insurance?

This is a type of policy that covers you for multiple trips within one year.

This is good for people who travel frequently and don’t want the expense of buying a new policy for each journey they take. Remember that if you travel to different parts of the world with each trip, you will need a policy that covers all of the areas you travel to.

All our policies have a maximum 31-day trip duration limit. This can be extended up to 45 or 60 days for an additional premium.

What different cover levels are there for annual multi-trip travel insurance?

Post Office offers three levels of travel insurance. These are economy, standard and premier.

Why buy annual travel insurance rather than single-trip travel insurance?

Buying an annual multi-trip travel insurance policy may not be cheaper outright than a single-trip travel insurance policy. However, multi-trip insurance allows you to take as many trips as you like within the 365-period of the policy. You can take these trips in both the UK and overseas. So it can be more cost-effective and work out cheaper in the long run.

Whether you’re popping abroad to watch the football, fancy a weekend shopping trip to Paris or are taking a two-week family holiday, if you expect to travel more than once in a year, it’s worth considering multi-trip cover.

When does annual travel insurance start?

The start date can be up to 31 days in advance. If you have a pre-booked trip and need cancellation cover, make the start of your policy the date you take it out, not the date your trip starts.

The period of insurance is for 12 months. In that time you’re covered for each trip you book and undertake within that period, up to the maximum trip duration for your chosen policy.

Can you cancel annual travel insurance?

You can cancel your policy within 14 days of receiving your insurance documents. But you can only cancel if you’ve not started a trip, made a claim or intend to make a claim. If you meet these criteria, we’ll give you a full refund.

If you cancel after the 14-day cooling-off period, you won’t qualify for a refund. For annual multi-trip policies, the cancellation period is extended up to the start date of the policy, even if this is more than 14 days from the date you received your documents.

However, we’ll consider any exceptional events that may allow us to repay you for any unused cover. These include bereavement, or an unexpected change to your policy that means we’re no longer able to carry on insuring you.

The unused premium will be calculated on a sliding scale. You can find more information on this in your policy wording.

Is there a discount for students?

Yes, there is. We’ve partnered with Student Beans to offer a student discount. To claim it simply log in with your Student Beans account . If you don’t have one, you’ll need to register for a Student Beans account and verify you’re a student first. You’ll be given a unique code, which you’ll need to enter into the promotion box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

Do you offer a discount for graduates?

Yes, we do. We’ve partnered with Grad Beans to offer a discount to graduates. To claim it, you’ll need to either register for a Grad Beans account (to verify your graduate status) or log in with your existing account . You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

• Read more travel insurance FAQs

Need some help?

Travel insurance help and support.

For emergency medical assistance, to make a claim, manage your account online, find answers to common questions about our cover or get in touch:  

Visit our travel insurance support page

Register your policy

If you haven’t yet registered your Post Office Travel Insurance policy, enter your details and create a log in so you can access it any time 

Register policy

Travel insurance policy types

Annual multi-trip cover.

• Cover for multiple-trips for a 12-month period
• 31-day trip limit, with extensions available up to 45 and 60 days
• Available for everyone aged up to 75 years  

Single-trip cover

Cover for a one-off trip in the UK or abroad (7)

Perfect for short or long trips for anywhere in the UK or abroad

No age limit

Backpacker cover

• Cover for a one-off trip up to 18 months
• Option to return home for up to 7 days on 3 occasions.
• For people aged 18 – 60 wanting to travel the world for a gap year or career break

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Policy documents

To access your policy documents, select your cover level then tell us the date you bought your cover. 

Economy, standard and premier

Core, extra and max.

Policy numbers starting with TC

Policies are underwritten by Collinson Insurance:

• Policy wording - purchased on or after 28 March 2024
• Policy wording - purchased on or after the 31 August 2023
• Policy wording – purchased on or after 17 August 2022
• Policy wording – purchased on or after 31 March 2022

Policy numbers starting with TA

About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

These details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

(1) Kids (under 18s) can be covered at no extra cost on our single-trip and annual multi-trip policies provided they have no medical conditions. They’re covered even if they’re invited on holiday with another adult – such as a friend or relative – while you’re away enjoying your own.

(2) Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person, per policy and for each medical event up to 3 appointments per person listed on the policy. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service. For any online appointments or where the appointment was held at your accommodation, where a prescription is issued, you will need to pay for any medication and claim upon your return home. No excess will be applied for any prescription charges. If your appointment takes place at a clinic and they have a dispensing chemist, you will not need to pay for your prescription and all charges will be covered by your policy at the point of appointment. If there is no dispensing chemist at the clinic, you will either be given a prescription, or the prescription will be sent to a chemist by the treating doctor, and you will need to pay for any medication and claim upon your return home. If your medical situation needs to be handed over from an outpatient case to an inpatient case and requires hospital admission, you will be handed over to our emergency medical assistance team in the UK. For any inpatient cases, no excess will be applicable.

(3) Missed departure is available with on our standard and premier cover levels.

(4) Increased to £750 if you bought your foreign currency from Post Office.

(5) Terms and conditions apply.

(6) Immediate relative: your mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.

(7) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to:

365 days for those aged up to and including 70 years

90 days for those aged between 71 and 75

31 days for those aged 76 years and above

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Travel Insurance for Europe

Travelling to europe.

Soak up the sun on a Croatian beach or cruise the Amalfi coast of Italy. Hike through Scotland or ride bicycles in the Netherlands. Europe is the perfect holiday destination, filled with choice.

Wherever you choose to explore, consider the choice of Travel Insurance that is designed to cover overseas emergency assistance and overseas medical and hospital expenses. 2

Why choose us?

Thousands of satisfied customers, network of medical experts, emergency assistance available, we’re an established insurer, choose your plan.

Basic Travel Insurance

• Overseas Emergency Assistance 2
• Overseas Medical & Hospital Expenses 2
• Personal Liability 2

Comprehensive Travel Insurance

• Overseas emergency assistance, medical and hospital expenses 2
• Unexpected trip cancellation 2
• Loss of or damage to luggage and personal effects 3,4

Multi-Trip Travel Insurance

Staying safe in europe.

Be aware of crime

Natural disasters, ready to find your travel insurance for europe, frequently asked questions.

Even if travel insurance isn’t mandatory for your destination, travel insurance for Europe can be a great decision in case something goes wrong on your trip. Travel insurance is an important consideration for unexpected medical bills and hospitalisation.

Other unforeseen expenses could include the replacement of lost or stolen luggage, delays or cancellations to your trip. Allianz Comprehensive Travel Insurance offers optional Increased Item Limits cover for loss of higher value personal effects and luggage, Adventure Packs, and more at an additional cost 2 .

If your rental vehicle is involved in an accident while it’s being driven by you and you’re the nominated driver, or it’s damaged or stolen while in your custody, we’ll pay you the lesser of (up to your benefit limit) 2 :

• the amount specified that you’re liable to pay under the rental vehicle agreement, or
• the property damage for which you’re liable.

If you’re diagnosed by the treating medical adviser as unfit to return your rental vehicle to the nearest depot, we’ll pay the cost of returning the vehicle (up to the applicable benefit limit).

Note: This cover only applies if:

• you hire a rental vehicle from a rental company or agency;
• you’re a nominated driver on the rental vehicle agreement; and
• the rental vehicle agreement specifies a maximum amount that you must pay if the rental vehicle is damaged or stolen. 

Some activities are included under a Basic, Comprehensive or Multi-Trip policy, but for activities like riding a moped, tandem parachuting and abseiling, consider buying an Adventure Pack for an additional premium 2,5 .

If you’re going to hit the slopes, you may wish to consider buying an optional  Snow Pack to a Comprehensive or Multi-Trip Travel Insurance policy for an additional premium 2,5 .

Read the Product Disclosure Statement (PDS)  for a full list of sports and activities automatically included, as well as what activities the Adventure Pack is designed to cover.

A Comprehensive Travel Insurance policy for Europe is designed to cover you for theft, loss or damage to luggage, personal effects and valuables 2 . The sub-limit for a camera, lenses, tripod, and accessories is up to $3,000 2 . If your equipment is valued at more than that, consider buying Increased Item Limits Cover for an additional premium when you buy your policy. 4

Refer to Increased Item Limits Cover section of the Product Disclosure Statement (PDS) for more information.

We're here to help

Give us a call, or send us a message, follow us on, *conditions apply.

• Policy terms, conditions, exclusions, limits and applicable sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic. However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the PDS to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.
• Terms, conditions, exclusions, limits and applicable sub-limits apply. Eligibility criteria may also apply. Refer to the PDS for full details.
• Terms, conditions, exclusions, limits and applicable sub-limits apply, refer to Luggage, Personal Effects & Valuables and General Exclusions sections of the Product Disclosure Statement for full details.
• The maximum we’ll pay for all claims combined under the Luggage, Personal Effects & Valuables benefit is the benefit limit shown in the Table of Benefits in the PDS for the plan you’ve selected, even if you’ve bought Increased Item Limits cover.
• You won’t have cover under Permanent Disability and Personal Liability benefits for any claims arising from your participation in any of the activities listed under Adventure Pack or your participation in snow sport activities, even if you’ve bought a Snow Pack or an Adventure Pack. If you choose a plan that includes this benefit, you won’t have cover under the benefit if you’re travelling in Australia.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

• 12 Month Travel Insurance

 Instant Policy Delivery

 Secure Online Purchase

 Range of Working Activities

 Six Different Policies

 Option to Extend Duration

 Cover for UK Residents

 Wide Range of Sports

 24 Hr Medical Assistance

12 Months or 1 year Travel Insurance

If you’re a globetrotter who is planning to be out of the country for a year, you will require specialist insurance for long-term travel. Here at Navigator Travel , we specialise in long-stay, 12-month or one year travel insurance and can ensure that you will find an appropriate annual travel insurance policy for you. 

Whether you’re planning on studying , volunteering , or working abroad, or you’ll be embarking on a worldwide itinerary or gap year , you can have peace of mind knowing that we have a great selection of annual travel insurance policies to suit all circumstances. 

What is Year Long Travel Insurance and Why is it Important?

12 month travel insurance offers you protective cover whilst you are travelling abroad to one destination, or multiple destinations, in the space of a year. 

Purchasing annual travel insurance is important to ensure that you are adequately covered whilst you’re on your adventures. For example, if there was an instance in which you were involved in an accident, you sustained an injury, or you are faced with other unforeseen circumstances whilst travelling, you can rest assured that your year long travel insurance policy will likely cover you. 

Depending on the nature of your travel, and if one or more destinations are incorporated into your itinerary, this will impact the type of one year travel insurance policy you will need. Therefore, it is crucial that you choose the correct type of annual travel insurance for your plans. 

Discover Which Annual Travel Insurance You Need: Annual Multi-Trip or Single Trip Long Stay? 

Given we specialise in 12 month travel insurance here at Navigator Travel, we can advise you that there are two types of 1 year travel insurance policies that you can choose from. These are as follows: 

• Annual Multi-Trip Policies: Annual multi-trip insurance policies allow for a traveller to take unlimited short trips (usually spanning from 31 days to 45 days per trip, though some can be up to 62 days per trip) abroad during a 12 month period.
•  Long Stay Single Trip Policies: These long-term policies are designed for travellers to take one long trip to a single destination overseas. These long stay single trip policies can be purchased for any duration from 1 month to 18 months, or even up to 2 years in some circumstances. 

It’s worth noting that a 12 month long stay single-trip policy is more expensive than an annual multi-trip policy. Additionally, if you are unsure of the duration of time you will be spending on your next getaway, you can simply take a shorter trip, purchase your necessary travel insurance policy, and extend this up to 12 months at a later date, if necessary. 

You can purchase one of our one year travel insurance policies today or contact a member of our team to discuss which policy may be best for you and your individual circumstances.

What Do Our 1 Year Travel Insurance Policies Cover?

Any adventures and travel itineraries planned within a 12 month period may be covered by our policies here at Navigator Travel. For instance, we cover gap year travel , extended backpacking trips , or round the world holidays for those looking to discover new destinations and cultures across the globe. 

We also offer cover for educational and work-related travel such as volunteering abroad , studying overseas , or working in a foreign country due to occupational postings.

And, finally, our insurance policies can are suitable for those looking to have long-term visits to see friends and family so that they have the opportunity to connect with their loved ones whilst having adequate travel insurance cover.

Does a Yearly Travel Insurance Policy Cover Sports? 

Our range of yearly travel insurance policies can cover a wide variety of extreme sports .

These include the following: 

• Playing Polo
• Motorcycling
• Mountain Biking
• Altitude Trekking
• Scuba Diving (up to 40m)
• Horseriding
• Kitesurfing

It is worth noting that some of the above-listed sports fall into our ‘Action’ and ‘Action Plus’ categories,  which are not covered by our Silver or Gold Long Stay policies. If you require cover for these types of, more hazardous, sports and activities, we may be able to cover you on our AIG Backpacker & Longstay, Adventures, or TravelPlus policies. Call 0161 973 6435 or email [email protected] to gain a quote for your specific trip. 

There are, however, additional sports which are not listed above that are covered by our 12 month travel insurance policies. You can get in touch with us to find out if a specific type of sport you’re looking to partake in on your trip would be covered by our policies.

Frequently Asked Questions:

How many trips can be covered on annual multi-trip travel insurance.

Our Annual Multi-Trip travel insurance policies allow for travellers to embark on unlimited trips within a 12 month period. This means that, regardless of how adventurous your itinerary is, you can rest assured that you have the necessary cover that you require to enjoy your trip to the fullest.

What Is the Maximum Duration Covered for Each Trip on an Annual Multi-Trip Policy?

We have a range of Annual Multi-Trip policies which each permit a maximum length of 31 days, 45 days or 62 days per any one trip taken within a year. The exact amount of time that any one trip can extend to does vary dependent on the exact Annual Multi-Trip policy purchased. So, should you want to ensure that you have longer length periods for your travels, you should opt for a policy that offers this.

I need Cover for More Than 62 days, Can I Get Insurance for Longer Periods?

Whilst normally our Annual Multi-Trip policies offer an upper limit of 62 days for any one trip, we are able to insure longer trips on a single trip basis. Long stay policies can be arranged for trips that are up 18 months in duration or even 2 years, in some cases.

I Need Annual Multi-Trip Cover for Working Abroad, Will These Policies Be Suitable?

We have Annual Multi-Trip policies that will cover most types of work abroad . Our AIG Longstay & Backpacker policies, for example, are suitable for those planning on partaking in the following types of work:

•  Manual work, such as using machinery or working on construction sites
• Farm work, which involves working alongside animals or operating agricultural machinery
• Long stay working trips of up to 18 months in length
• Volunteering, such as with charity organisations
• Working in an animal sanctuary with wild animals

Those who plan on partaking in other types of work, such as bar and restaurant work or fruit and vegetable picking, can alternatively opt for our Silver, Gold, and Diamond packages.

We offer a number of insurance policies for working abroad and, depending on the type of work you will be undertaking, one policy may suit you better than the next.

Find out the best possible price for your travel insurance

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Annual Multi-Trip

Cover for multiple trips.

• Up to 45 days each trip
• Option to extend to 62 days
• Special deals for couples and families

Long Stay Single Trip

Cover from 2 to 18 months.

• Extended backpacking
• Career breaks
• Volunteering
• Working holidays abroad

Short Stay Single Trip

Cover for up to 45 days.

• Single holiday
• Business trip
• Special rates for families
• Accompanied kids go free

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Families, couples or individuals on holiday or business trips for shorter durations.

gap years, Backpackers and Career break

Usually couples or individuals requiring cover for longer term overseas trips of 2 months or more.

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Skiing, snowboarding, climbing and more.

We offer four policies for people travelling overseas, requiring cover for specific sports and activities.

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• Frequent and spontaneous travelers will likely benefit from annual travel insurance policies.
• Your credit card may come with some travel protections, but it may not be enough.
• When choosing a policy, look at what it covers, not just what's cheapest.

Summer is just a few months away — and if you're planning a vacation this year, the last thing you want is an unexpected event to derail your plans (and cost you hundreds).

Flights get delayed or canceled constantly. Luggage disappears into the ether. Medical emergencies occur in remote destinations. Yet many jetsetters simply cross their fingers and hope for the best rather than prepare for the worst.

That's why, as a financial planner, I believe it's crucial to consider protecting your trips with the right insurance coverage. One option often overlooked, particularly by frequent travelers, is annual travel insurance .

Annual travel insurance covers all your trips within 365 days. Unlike stand-alone travel insurance, which only covers you for a specific trip, an annual policy covers any trips you take within the year.

That's why I tell clients who travel frequently that an annual policy is a good choice for their needs. By opting for an annual plan, you don't have to go through the hassle of booking multiple policies and potentially save money compared to purchasing individual trip coverage. Here's how it works.

What to look for in a policy

While specifics may vary depending on the insurer and plan tier, most include the following key benefits:

• Trip cancellations or interruptions: You may be able to get reimbursed for expenses (even nonrefundable ones!) related to an illness, injury, or natural disaster that forced you to cancel or cut your trip short.
• Emergency medical and dental care: If you fall ill or get injured while traveling, your insurance can help cover the cost of medical treatment.
• Emergency evacuation: In a serious medical emergency or security situation, your policy will arrange and pay for transportation to a hospital or back to your home country.
• Lost, delayed, or damaged baggage: If your luggage is lost, delayed, or damaged during your trip, you can get financial coverage for essential items while you wait for your stuff to be recovered or replaced.
• Trip delays and missed connections: When your travel plans are disrupted due to issues like mechanical problems or severe weather, you may get reimbursement for additional expenses incurred, like meals, lodging, and transportation.

It's important to note that annual travel insurance plans have limitations. Certain high-risk activities, pre-existing medical conditions, and travel to specific regions may be restricted or require additional coverage.

Some travelers may assume that their credit card's built-in travel protections are enough. While many travel rewards credit cards offer perks like rental car insurance, trip cancellation, and baggage reimbursement, the coverage limits are often much lower than a dedicated annual travel insurance plan.

Credit card coverage for emergency medical care is also particularly limited — capped at a few thousand dollars — which may not be enough in the face of a major international medical emergency.

How much travel justifies an annual plan?

For the occasional traveler who takes one or two trips a year, single-trip policies will probably work for you. But if you fall into any of these buckets, you may want to consider an annual policy:

• Regular international travelers (three or more trips abroad yearly)
• Road warriors frequently away for work
• Adventurers engaging in high-risk activities like heli-skiing, scuba diving, or mountain climbing
• Cruisers and tour group travelers
• Students or retirees taking extended trips throughout the year
• Those visiting developing countries with limited medical care

Annual plans cover all of your trips within a 365-day period after purchasing. They're basically a bundle of multiple policies into one package deal. This means you only have to buy one policy to manage, locking in your coverage for the year.

How to decide if an annual policy makes sense for you

Start by reviewing your travel plans this year — and your risk tolerance. Calculate how much buying individual travel insurance policies would cost you over the next year and compare it to the price of an annual plan.

Don't just focus on the premium — carefully evaluate coverage limits, exclusions, and deductibles to ensure you have enough protection for your needs.

An annual policy gives you the flexibility to take spontaneous trips without the hassle of obtaining last-minute insurance. More importantly, it provides peace of mind, knowing that you're covered for a wide range of travel disruptions and emergencies.

As the busy summer travel season ramps up, definitely explore protecting your trips with insurance, especially if you're jetting off internationally. Spending hours on the phone trying to rebook canceled flights or worrying about affording an overseas medical emergency is no way to vacation.

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