how much is travel health insurance to europe

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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

SEE FULL REVIEW »

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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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. 

Featured Travel Insurance Offers

Travel insured.

Via Squaremouth’s website

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Worldwide Trip Protector

Covers COVID?

Medical & evacuation limits per person

$100,000/$1 million

Atlas Journey Preferred

Seven Corners

Via Squaremouth’s Website

RoundTrip Basic

Average cost for plan with CFAR

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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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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Do I Need Medical Insurance For Travel In Europe (+5 Best Providers)

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Let’s talk about medical insurance for traveling in Europe – Do I need it? And what’s the cheapest, best, and most inclusive?

Maybe it’s the over-thinker in me, but every couple of trips, I like to reflect on lessons learned – What will I remember most? What was the best meal? What sucked about the trip? This helps me decide what to pay attention to when booking my next adventure. And my biggest lesson learned is to be prepared in case I get sick while traveling in Europe.

Here are a few of my personal experiences when I was glad I paid the ~$40 a month for travel medical insurance and access to an English-speaking doctor :

• When I had a bad flu in Estonia , and I was flying out for a trekking trip in Norway the next day. I called my travel doctor, got a prescription for something stronger than Paracetamol, and was feeling better by the time the flight got around.
• Or when I needed to see a gyno in Norway for some medicine involving what turned out to be my first-ever UTI. I ended up paying nothing for the visit, which included a full gyno check and a comprehensive STD panel. Even with my full insurance in the States, I don’t get treated this well!
• And finally, when my girlfriend and I ate some delicious, albeit dubious, street food in Morocco ( as one does ), we couldn’t hold anything down. We ended up needing some heavy prescription medication to cure our stomachs so we could continue the trip.

All of these scenarios have one thing in common ( other than me ). You never know what can happen. It’s usually the small things – like a common cold, a stomach issue, or a terrible toothache that can ruin a trip unnecessarily if you’re not prepared . And by prepared, I mean having access to call an English-speaking doctor who can consult and write you a prescription if needed.

➡️ My personal recommendation for the overall best travel insurance is SafetyWing Nomad Insurance . ⬅️

Through my travels in Europe, I’ve learned to plan ahead, and I’ve learned to travel safely so I can continue doing the things I love. Travel medical insurance is on my checklist of things to have, along with my passport and a phone charger.

Table of Contents

Do You Need Medical Insurance For Travel In Europe?

YES, you will need travel medical insurance while traveling in Europe. Especially when it comes at a relatively small price for peace of mind. You don’t want to have the shits after a fantastic dinner in Greece and have to:

• Navigate a foreign hospital system
• Translate your medical condition into a foreign language
• Figure out how the hell to pay foreign medical expenses
• Get access to a Western-trained doctor

Let’s get into what to look for and my shortlist recommendations.

Is Travel Insurance Enough For My Trip To Europe?

Likely not. As you plan your trips, it’s important to understand the difference between travel insurance ( which I thought was more inclusive than it is ) and travel medical insurance ( which is what you actually need ).

✔️ Travel Medical Insurance (Travel Health Insurance) for Europe

• Typically, it will cover emergency medical care, evacuation, and repatriation (ie. getting you back to your home country).
• It gives you access to hospitals and doctors for unexpected medical problems, like stomach bugs, cases of flu, and other random accidents that just happen. (👈 this is what I’ve used it for mostly )
• Remember, it does not replace your normal healthcare, rather it’s there in case of emergencies. For example, you can’t get a regular checkup abroad using travel medical insurance outside your home country.
• Travel Medical insurance in Europe is a good idea if you’re worried about getting sick or hurt while traveling – just think about the foreign foods you’ll be eating, all the tours and walking you’ll be doing in the heat or cold, and the metros you’ll be riding full of people.

👉 PRO TIP: Don’t wait to get home to get medicine if you’re sick. Pharmacies, clinics, and even hospitals in Europe are top-notch and are used to working with Americans. Just make sure you keep the bills (if there are any) so you can get things reimbursed by your travel insurance.

✔️ Travel Insurance for Europe

• Travel insurance plans are designed to protect you from financial losses due to canceled plans or lost luggage, travel delays, or natural disasters.
• Some credit cards offer limited travel insurance to protect for these types of things but only if you’ve booked the trip through the card ( Chase Preferred is the one I use for this perk ).
• Travel insurance for Europe is a good idea if you’re worried about any potential disruptions to your trip.

Will My US Health Insurance Cover me In Europe?

The short answer is NO. Most health insurance programs limit their coverage to the home country due to so many things like politics, taxes, differences in global healthcare policies, cost, etc.

So when you travel or are abroad, you will need to cover your ass on your own. This is where buying travel medical/health insurance for Europe comes into play.

5 Best Medical Insurance Policies For Travel In Europe

Here is a list of the best travel health insurance in Europe. I use Safetywing, but each policy offers its own unique little things that might work better for your travel situation.

👉 PRO TIP: The 911 of Europe is 112. In most countries in Europe, if you have a medical emergency, call 112 and get connected to the ambulance, fire department, or police.

1. SafetyWing Nomad Insurance ( I Use This )

This is the one I use when I travel because it covers both travel and medical insurance and is overall the best for what I care about.

• Includes coverage for doctors, hospitals, emergency medical evacuation, travel delays, lost checked luggage, emergency response & natural disasters.
• It’s flexible and works like a subscription, with multiple services for different sorts of travelers, nomads, and remote workers.
• It’s pretty cheap, starting at $40 a month.
• COVID-19 coverage is included, and it covers quarantine abroad!
• 24/7 emergency assistance, you get to talk to a real human who is also a traveler.
• Can purchase while already traveling in about 180 countries.

How To Enroll: ➡️ Visit Website ⬅️

2. insuremytrip.

This would be my second “go-to” for sorting out travel medical insurance , because the InsureMyTrip compares tons of different insurances for you, giving you the pros and cons of each so you can pick what’s best for you.

This is what I thought was interesting and valuable about them:

• Compares plans from a bunch of different vendors and spits out what’s best for your specific trip requirements.
• “Anytime Advocates” help fight alongside you to get your claim reviewed and approved.

3. World Nomads

World Nomads offers a lot of the same protection as SafetyWing and is probably one of the more inclusive options out there regarding activities. Here are some of the benefits I see with them.

• Very comprehensive plans, including coverage for trip protection & cancellations, emergency medical or dental, loss/theft/damage of your bags and tech gear, and emergency evacuation.
• Can buy plans while abroad as well, so you can extend your trip if you want.
• Coverage for COVID-19, which is sadly still rare among insurance.
• Covers over 200+ adventure activities ( watch out for those exceptions )

How to Enroll: ➡️ Visit Website ⬅️

4. allianz travel insurance.

This is a huge insurance company, to say the least, so there are options galore. When doing my research, what stood out to me was the following:

• They cover all the usual, including trip cancellation, travel delays, medical assistance and evacuation, and even rental car insurance.
• Options are for single trips, multi-trips, or annual insurance (for those on sabbatical like me!)
• Children 17 and under are covered when traveling with parents/grandparents for some plans
• A little more pricey than the top two, but it depends on the policies.

5. IMG Global Insurance

This option is the closest thing to normal health insurance and therefore has a few added perks.

• Includes coverage for doctors, hospitals, emergency medical evacuation, travel delays, lost checked luggage, and natural disasters.
• Some plans cover COVID-19 emergencies ( read the fine print )
• Tons of plans to choose from, including short and long-term options, but they tend to be more pricey.
• Best for people living overseas longer rather than short-term travelers, in my opinion.

FAQ: Travel vs. Medical Insurance in Europe

Let’s jump into a few more frequently asked questions.

What Is The Best Travel Insurance For Europe?

I use SafetyWing, but have done the research and informed myself on a few of the other best travel insurances for Europe. Each one offers a pretty similar and comprehensive package, with a few key differences that may appeal to you and your travel situation. I have the pros and cons of each policy reviewed below.

How much does Travel Medical Insurance Cost?

The cost can vary quite a bit depending on the policy. Some insurance companies offer basic coverage for around $40 per person per month (this is what I usually get), while others offer more comprehensive plans that cost several hundred dollars.

There are also a number of factors that can affect the cost of medical insurance, such as the length of the trip, the number of people traveling, and the medical history of the travelers. As a result, it’s important to compare rates from different companies before purchasing a policy.

Does Travel Medical Insurance cover COVID?

Unfortunately, I’ve learned that most travel medical insurance policies do NOT cover COVID-19 ( or pandemics/epidemics in general ). However, there are some policies, which I recommend below, that will provide coverage for medical expenses related to the virus, like per diem quarantine stipends and COVID testing.

Do EU citizens get free healthcare?

We all know that Europeans get universal healthcare, but the question remains: do its citizens get free healthcare? The answer is no.

Europeans get what is called a European Health Insurance Card (EHIC) which covers them like our travel medical insurance would in the EU.

Universal healthcare in Europe is supported by the massive taxes its citizens pay so that everyone can have access to healthcare when they cross EU borders, including the poor, and even foreigners. It’s not perfect, but it’s the safety net we all sometimes need when we’re sick and away from home.

Bottom Line? No matter where you are in Europe, if you get sick, go to a pharmacy or clinic and they will help you, no questions asked. Look for the green or red crosses everywhere.

What To Expect When You’re Sick In Europe

I wanted to share some practical options for when you get sick in Europe. The bottom line is, that you should call your travel medical insurance doctor and get their opinion on the next steps. They may send you a prescription via email or send you to a local clinic.

✅ Pharmacies in Europe

When people get sick in Europe, before visiting their doctor, they first go to their local pharmacy. Pharmacists can diagnose and prescribe medicine for small things like colds, flu, stomach aches, scratches, back pain, sinus things, etc. Every town or city will have at least one 24-hour pharmacy because it’s regulated by the EU.

So when you’re sick, travel insurance or not, head to a local pharmacy and use Google Translate if you must to tell them where it hurts. They will prescribe you what you need. If they can’t help you, they will send you to the nearest doctor or clinic.

✅ Medication in Europe

Here are a few things I learned from traveling and living in Europe.

• Medication that needs a prescription in the US is sometimes over the counter in Europe.
• Medication names are different – we call meds by their brand, like Tylenol. Europeans use the medicine term, acetaminophen. Same thing, different name.
• Doses can be stronger in Europe, so make sure you listen and read what the pharmacist tells you – don’t go rogue.
• When in doubt, paracetamol cures everything when taken as directed.

✅ Clinics in Europe

I’ve been to a few clinics in Europe, in Croatia, Estonia, Spain, and in Norway to name a few. They all work more or less the same. I googled a clinic online, saw which was closer, and took a taxi to the spot. You usually walk into a reception area, fill out some basic paperwork, and then wait to see a doctor.

In some countries, you pay some small fee, in others nothing – it just depends on the laws of the land you’re in. I paid $120 in Croatia for a clinic visit and nothing in Estonia or Norway for a similar emergency visit.

Clinics are great for getting tests done or seeing a doctor who can examine you more closely.

✅ Getting Medical Help in Europe

If you’re too sick to get out of bed, you can always call 112 and an ambulance will come get you. You can also ask your hotel to call a doctor for you. These are more expensive, but keep the bill, and work it out with your travel insurance later on.

Conclusion: Medical Insurance For Travel In Europe

I love wandering off on my own to explore places I’ve never been to before. I believe it’s the best way to meet the locals and truly experience the culture of a place.

And to cover my ass in case I get sick or injured, I use and recommend SafetyWing Insurance .

For anyone scared of traveling alone — don’t give up on it! Plan your trip and make sure you are traveling safely — be aware of your surroundings, always carry an external battery, tell your friends where you are staying, and purchase travel medical insurance for Europe so you don’t have to worry.

Here is me NOT worrying and going for it solo in Europe for a little inspiration!

If you dont live your own story, you will live someone else’s . – A very wise person

Mariana Barbuceanu is the owner and author of the Road Trip EuroGuide, a blog that inspires fellow travelers to explore Europe more authentically through slower travel and digging deeper into the culture of a place. When she isn't writing about her adventures, she is planning trips for her community and coaching people on how to take that next step towards a much-needed sabbatical.

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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4 Best Travel Insurance for Europe in 2024

Home | Travel | Europe | 4 Best Travel Insurance for Europe in 2024

Getting European travel insurance is one of the main requirements for obtaining a Schengen visa, whether for traveling, studying, or working overseas.

However, if you don’t need a Schengen Visa , you may ask yourself, Do I need travel insurance for Europe ? Well, it’s always a good idea. As I mentioned in my guide to the best international travel insurance companies , you should buy coverage if you want the peace of mind that comes with knowing you’re protected in any unforeseen circumstances.

4 Best travel insurance for Europe in 2024

Of course, not everyone needs the same kind of coverage, so in this article, I’m sharing the best travel insurance for Europe and Schengen travel insurance that meets all the visa requirements:

• Schengen visa travel insurance requirements
• Europe travel insurance cost & comparison
• Best travel insurance for Europe

What should European travel insurance cover?

Not to spoil the surprise, but Heymondo is the best option for Europe trip insurance and Schengen Area travel insurance . Heymondo offers comprehensive coverage at an affordable price, and it’s the only company that pays your medical expenses upfront , so you don’t have to worry about filing a reimbursement claim.

5% OFF your travel insurance

Another great option, if you’re traveling on a budget and don’t mind having a deductible, is SafetyWing . Just be aware that there is a $250 deductible per claim, and they don’t cover medical expenses upfront. You will need to pay out of your pocket and ask for reimbursement later, but it is the cheapest option by far.

I’ll give you a full review of other top travel insurance for Europe below .

Is travel insurance for Europe mandatory?

If you’re required to have a visa to enter the Schengen Area, you must have travel medical insurance for a Europe trip . Be aware that not all travelers need a Schengen visa, so check the requirements for different countries below.

If you’re a citizen of a country in the Schengen Area, you don’t need travel insurance for Europe , but it’s wise to have coverage for your trip .

What countries need a Schengen Visa to visit Europe?

Travelers from the following countries must purchase European travel insurance to obtain a Schengen visa and visit the Schengen Area:

Schengen visa insurance requirements

To obtain a Schengen visa, you must have Schengen Area travel insurance . That is, insurance that covers the Schengen Area and meets these requirements:

• At least $30,000 in coverage for medical emergencies and accidents : Healthcare and medical expenses in Europe aren’t cheap, so emergency medical coverage is a requirement. No matter where you travel in the Schengen Area, your insurance will cover the medical fees if you get sick or injured.
• Repatriation coverage in case of medical incidents or death : If you fall gravely ill in a remote area or require further medical attention for a serious injury, you may need to be transported back to your home country. This is an expensive service, so your insurance should include repatriation coverage. This way, you won’t have to pay big bucks for transportation fees.
• Coverage in all 26 Schengen Area countries for the entire duration of your trip : Even if you’re not planning to visit all 26 countries (which would be incredibly ambitious!), your insurance policy must cover all of them. The best Schengen travel insurance policies allow you to select “Europe” as your coverage area, so you don’t have to worry. I always recommend reading the fine print to ensure you don’t encounter any problems when applying for your Schengen visa.

What countries are in the Schengen Area?

The 26 countries that make up the Schengen Area are:

• Czech Republic
• Liechtenstein
• Netherlands
• Switzerland

Of those countries, Iceland, Liechtenstein, Norway, and Switzerland are the only countries that don’t also belong to the European Union.

How much does European travel insurance cost?

Choosing the best travel health insurance for Europe is one of the most frequent doubts among tourists. We currently have a policy with Heymondo , and we’re very happy with it. The company has been super responsive and helpful whenever we’ve needed assistance. I love that they take care of medical payments for us upfront, so we don’t need to pay out of pocket and file a claim.

If you’re still unsure which European tourist insurance best suits you and your needs , look at the table below. I’ve compared the cost of European travel insurance from 4 different companies. To be as impartial as possible, I’ve simulated the prices for a 30-year-old American traveling to Spain for two weeks with a trip cost of $2,500.

*Price used for example

For this European travel insurance comparison , I chose the cheapest policies that cover the Schengen Area and meet all the requirements. While Heymondo isn’t the cheapest, it offers better coverage than the others, and it’s the only one that pays for medical expenses upfront.

Also, remember that these prices are just an example and can vary depending on your trip’s duration, your country of origin, destination, and other factors. However, no matter the cost, you want travel insurance, even for the cheapest places to visit in Europe .

Best Europe travel insurance

Again, each European travel insurance company has its advantages, so I’m sharing an overview of each option below to help you make the best choice.

1. Heymondo , the best travel insurance for Europe

Heymondo is the best holiday insurance for Europe , offering $200,000 in emergency medical coverage and no deductible. One of the main advantages of Heymondo insurance is the 24/7 customer support and medical chat . This way, you can quickly consult a doctor or get directions to the nearest hospital.

Another thing I like about Heymondo is that it takes care of everything, so you won’t have to pay a single bill out of pocket . No more filing claims and waiting for reimbursement! Just remember that for Heymondo to cover expenses upfront, you must contact them before going to the doctor. If you forget or don’t have time, don’t worry. Heymondo will refund your money after you send them the medical invoice.

Besides, it covers electronic equipment , something that most travel insurance doesn’t include. For us, that coverage is crucial since we always travel with two laptops and professional camera gear.

We’ve been using Heymondo’s annual travel insurance and have been delighted with the experience. We have had to use the customer support more than once, and the team has always been professional, efficient, and kind. If you choose this company for your European travel health insurance , you can save 5% with our Heymondo discount .

2. SafetyWing , a cheap European travel insurance

If you’re looking for a low-cost Schengen travel insurance policy, look into SafetyWing . It’s one of the cheapest travel insurance companies on the market, offering excellent coverage without a hefty price.

SafetyWing’s European travel health insurance includes extensive emergency medical coverage, evacuation and repatriation protection, and up to $5,000 in trip interruption benefits for added peace of mind.

However, while SafetyWing has some of the lowest prices on the market, remember that it’s more of a medical travel insurance , so its trip-related coverage is minimal.

Also, there is a $250 deductible, so you’ll have to pay $250 before the company covers your medical costs. If you don’t want to deal with a deductible and want the added benefit of having your expenses paid upfront, I recommend Heymondo .

3. Trawick International , the best Europe travel insurance for seniors

Trawick International is another option to consider, especially if you’re looking for a good travel insurance plan for seniors . Trawick is affordable and features great medical benefits, including coverage for pre-existing conditions. The company also offers decent protection for natural disasters and repatriation.

This company also has travel insurance with Cancel For Any Reason (CFAR) . So, if you add CFAR to your policy, you’ll get reimbursed for your flight and accommodation expenses if you call the trip off, regardless of the reason for your cancellation. However, there are specific terms and conditions, so I recommend reading the policy thoroughly.

It’s important to review the different Trawick policies since some pertain to European travel insurance while others are tailored to students or tourists coming to the USA. In our comparison, we looked at the Safe Travels Explorer plan, which includes decent trip cancellation and interruption coverage, but only a small amount of baggage loss protection.

Overall, you can get much more coverage for the same price or a bit more. For example, Heymondo offers $200,000 in emergency medical expenses compared to Trawick’s $50,000. Plus, Heymondo pays your medical expenses upfront.

4. Travelex , another good travel health insurance for Europe

Lastly, Travelex is dependable tourist insurance for Europe that meets all Schengen visa insurance requirements. Its Select plan is the more expensive option, but it includes extensive repatriation and evacuation coverage, as well as natural disaster protection.

You’ll also be covered for travel-related expenses like baggage loss/theft, trip cancellation/interruption, and trip delay. Travelex is also a travel insurance that covers pre-existing conditions , making it a good choice if you want your policy to cover treatments and medication abroad for chronic diseases like diabetes.

On the other hand, the Select plan is the most expensive option of the policies we looked at, and the emergency medical expense coverage is very low. In comparison, Heymondo offers much better coverage for a lower price.

What should travel insurance for Europe cover?

When shopping around for travel medical insurance for Europe , make sure you’re looking for the best coverage. Below, you can see what the best European travel insurance should include:

Emergency medical expenses

Emergency medical coverage is the most basic and essential requirement for any European holiday insurance . Even the cheapest policies include this type of coverage. With emergency medical expenses protection, you’ll be covered for any visits, tests, treatments, and hospitalizations during the trip due to illness or injury.

However, chronic illnesses or sicknesses that existed before the start of the trip are excluded from this coverage. For example, the insurance won’t cover treatment for cancer, as that’s a chronic disease that must be treated in your country of origin. On the other hand, an emergency operation for appendicitis would be covered.

Emergency medical expenses, something that’s covered with European travel insurance

As for injuries and accidents, most policies don’t cover incidents that occur while practicing extreme sports or risky activities. In the case of Heymondo , some adventure sports are included in the Premium plan. For other insurers, there is the option to add this type of coverage to your policy for an extra fee. So, if you’re a daredevil and plan on participating in some extreme sports during your trip, I recommend getting a policy with Heymondo.

Evacuation & repatriation

Evacuation and repatriation coverage are other must-haves when buying insurance for a European trip . If you have to return to your home country due to a medical emergency or death abroad, this coverage will take care of the associated expenses. Moreover, if a family member back home gets seriously sick or dies, or there is an accident at your home, the costs will fall under this category.

Unexpected delays can happen while traveling, be it a flight delay, weather problems, or an issue with the airline. This is why many European travel insurance companies include trip delay coverage. This covers expenses like meals and accommodation if your trip is delayed several hours or more.

Trip cancellation & interruption

As for trip cancellation , it’s often not included in European travel insurance . You usually must take out a trip cancellation policy or add this coverage to your plan.

With trip cancellation protection, you’ll be covered if you have to cancel your trip for health, legal, or work reasons. The amount varies depending on your policy, but you could recover up to 100% of the money you invested in the trip. Of course, you must provide documentation justifying the cancellation.

If you want the option of canceling your trip for any reason and getting reimbursed, look into Cancel For Any Reason (CFAR) insurance . Many companies offer this coverage as an add-on.

Moreover, trip cancellation coverage is especially useful if you’re visiting multiple countries in Europe. An unexpected incident may come up in the middle of your trip, such as a family member getting sick or a natural disaster back home. Instead of losing all the money you paid for the rest of your journey, you can get reimbursed with European travel insurance with trip cancellation/interruption benefits.

Baggage loss, theft, or damage

It’s not uncommon for luggage to get lost, stolen, or damaged during travel. For this reason, I consider this type of coverage essential for any European travel insurance plan .

Be sure to check the monetary amount for this benefit since some insurers don’t offer as much protection as others. I also suggest keeping your most valuable and expensive items with you in a backpack or carry-on so you don’t risk losing them in your checked baggage.

If you can’t store your things in a hotel, consider using a luggage storage service once you’ve arrived at your destination. This way, you’re not a walking target for pickpockets!

Electronic equipment

If you’re bringing electronic equipment like a camera or laptop, be aware that these items aren’t typically covered under the baggage loss benefit. An exception is Heymondo , which includes electronic equipment protection in its policies.

For most other European travel insurance plans , you’ll have to get this coverage as an add-on for an extra fee.

Adventure sports

This is another benefit that’s often available as an add-on. If you know you’ll be participating in some extreme activities, adding this type of coverage to your policy is a good idea. Adventure sports include things like bungee jumping, skydiving, scuba diving, and white-water rafting.

Heymondo is one of the few European travel insurance companies that include adventure sports protection in its policies.

Search and rescue

Another insurance benefit is search and rescue coverage. This covers the cost of an organized search and rescue effort should you get lost or reported missing during your trip.

Natural disaster evacuation

Finally, natural disaster coverage will pay for the transportation costs if you need to return to your home country due to a natural disaster at your destination. Examples of natural disasters include earthquakes, floods, landslides, tornadoes, tsunamis, volcanic eruptions, and wildfires.

Europe travel insurance with a discount

If you decide to get travel insurance for a Europe trip , remember that you can take advantage of our discount to save money on your policy.

In the case of Heymondo , you can get a cheaper European travel insurance policy for being a Capture the Atlas reader. Just click our link below to get a 5% discount on Heymondo insurance .

Also, be sure to read our guide on the best discounts for travel so you can save money on flights, hotels, rental cars, and more.

Is Europe travel insurance worth it?

Even if you aren’t required to get a Schengen visa (and thus European travel insurance ), getting coverage is still a good idea. We never travel without insurance, and I advise everyone to do the same. After all, you never know what could happen abroad, whether you get in an accident or fall ill.

Throughout the years, my friends and I have had many experiences that highlight the importance of having insurance.

For example, I was studying English in Ireland with my cousin when he had to have emergency surgery for appendicitis. Luckily, he had EU travel insurance, so the cost of his operation was covered. He would have been stuck paying thousands if he hadn’t had travel medical insurance for Europe .

Another time, I was taking a trip to Germany, and my luggage never arrived. I was stressed out about not having any clothes or toiletries, but fortunately, I had travel insurance, so the company covered the cost of all the clothes and necessities I had to repurchase.

While those two scenarios ended nicely, my family and I have had less-than-ideal situations that resulted from not having insurance coverage.

One of those was when I planned a trip to Ukraine years ago. I had to cancel it because of a family emergency, and since I didn’t have travel insurance for Europe , I lost all the money I had invested in flights and hotels.

Similarly, my mom didn’t bother to get insurance before traveling to London. Someone stole her bag in a pub, so she lost her cell phone, camera, and wallet (with her ID and credit cards). She could’ve been covered for these losses if she had purchased European holiday insurance . Unfortunately, she had to pay to replace everything herself.

As you can see from the examples above, all kinds of unexpected circumstances crop up while traveling. It’s always better to have the added security of trip insurance. Take it from me, and don’t learn your lesson the hard way!

Other things to plan for your trip to Europe

Once you get the best travel medical insurance for Europe , finish organizing your trip with these helpful tips:

• Get one of the best SIM cards for Europe to avoid paying for roaming while using internet in Europe . We always use the Holafly eSIM , and you can even purchase it if you’re already abroad.
• Get a travel credit card to avoid hefty fees when using foreign ATMs. There are even some great credit cards with no foreign transaction fees that you can take advantage of.
• Check the iVisa website to see if you need a Schengen visa for your trip. If you do, make sure you request it in advance so you have it in time for your trip.

Lastly, enjoy your trip to the fullest!

FAQs – Travel insurance for Europe

If you still have concerns about European trip insurance , these answers to commonly asked questions may help:

Do I need travel insurance for Europe?

Travel insurance for Europe is mandatory for citizens who are required to apply for a Schengen visa.

Do I need European travel insurance if I have a European Health Insurance Card (EHIC)?

No, you don’t need European travel insurance if you have an EHIC.

Do I need Europe travel insurance for a Schengen Visa?

Yes, those applying for a Schengen visa must have European travel health insurance .

Which countries are required to have travel insurance to Europe?

Travelers who are residents and hold passports from the following countries must have travel insurance for Europe : Afghanistan, Algeria, Angola, Armenia, Azerbaijan, Bahrain, Bangladesh, Belarus, Belize, Benin, Bhutan, Bolivia, Botswana, Burkina Faso, Burma/Myanmar, Burundi, Cambodia, Cameroon, Cape Verde, Central African Republic, Chad, China, Comoros, Congo, Cuba, Democratic Republic of the Congo, Djibouti, Dominican Republic, East Timor, Ecuador, Egypt, Equatorial Guinea, Eritrea, Eswatini, Ethiopia, Fiji, Gabon, Gambia, Ghana, Guinea, Guinea-Bissau, Guyana, Haiti, India, Indonesia, Iran, Iraq, Ivory Coast, Jamaica, Jordan, Kazakhstan, Kenya, Kosovo, Kuwait, Kyrgyzstan, Laos, Lebanon, Lesotho, Liberia, Libya, Madagascar, Malawi, Maldives, Mali, Mauritania, Mongolia, Morocco, Mozambique, Namibia, Nepal, Niger, Nigeria, North Korea, Northern Mariana Islands, Oman, Pakistan, Palestinian National Authority, Papua New Guinea, Philippines, Qatar, Russia, Rwanda, Sao Tome and Principe, Saudi Arabia, Senegal, Sierra Leone, Somalia, South Africa, South Sudan, Sri Lanka, Sudan, Suriname, Syria, Tajikistan, Tanzania, Thailand, Togo, Tonga, Tunisia, Turkey, Turkmenistan, Uganda, Uzbekistan, Vietnam, Yemen, Zambia, and Zimbabwe.

What is the minimum medical coverage to get a tourist visa to Europe?

Individuals must have European travel insurance with a minimum of $30,000 in emergency medical coverage to get a tourist visa to Europe.

The best travel insurance for Europe should include emergency medical coverage, repatriation and evacuation, baggage protection, and trip delay protection. It’s also a good idea to include trip cancellation coverage in the policy.

What’s not covered by travel insurance for Europe?

Some European travel insurance plans don’t include trip cancellation benefits, but this may be available as an add-on. Other things that aren’t typically included are adventure sports, electronic equipment, and natural disasters.

What is the best travel insurance for Europe?

The best travel health insurance for Europe is Heymondo since it has an excellent price-to-coverage ratio and no deductible. Plus, it is the only company that pays your medical bills upfront, so you don’t have to pay out of pocket and file a claim for reimbursement.

How much is travel insurance to Europe?

The cost of Europe travel insurance can range from $2/day to $7/day or more.

Is travel insurance for Europe worth it?

Yes, European travel insurance is absolutely worth it , whether it’s mandatory for you or not. In addition to emergency medical coverage, you’ll have baggage, trip delay, and repatriation benefits that can save you thousands of dollars.

What happens if I get sick or have an accident in Europe and I don’t have travel insurance?

If you need medical assistance during your trip, you’ll have to pay out of pocket for any care you receive at the hospital or a doctor’s office. If you have a European Health Insurance Card, you can go to a public medical center. You’ll have to pay out of pocket, but you can file a claim for reimbursement once you return to your home country.

What should I do if I have travel insurance and get sick or have an accident in Europe?

If you get sick or injured while abroad, contact your insurer to find out which medical center or hospital to go to. You can go to the nearest public hospital or clinic if you have a European Health Insurance Card.

What is the age limit for getting travel insurance for Europe?

Some insurers have age limits on their policies, such as Heymondo and SafetyWing, which cover individuals up to 69 years old. Other companies have higher age limits or no limits at all.

Can I extend my travel insurance to Europe if I’m already traveling?

The ability to extend your coverage depends on the insurer. For example, SafetyWing policies automatically renew every 28 days until you select an end date. Heymondo allows you to take out a policy if you’re already traveling, but you’ll have to wait 72 hours after purchasing it for it to go into effect.

Does my travel insurance for Europe cover a flight canceled by the airline?

Generally, European travel insurance doesn’t cover flights that are canceled by the airline. If you want this type of coverage, look into Cancel For Any Reason insurance.

I hope this guide helps you find the best travel health insurance for Europe and that you feel better prepared for your trip. Remember, if you need a Schengen visa to enter the Schengen Area, you’ll need proof of insurance to get the visa.

However, even if you don’t need a Schengen visa, it’s still worth getting European travel insurance . It’s always safer to travel with insurance coverage. This way, you can enjoy your trip and have peace of mind knowing you won’t have to pay any medical bills and cancellation fees out of your own pocket.

Again, Heymondo is the best European holiday insurance , offering excellent coverage for a reasonable price and direct, upfront payments for medical expenses. If you decide to buy a policy, take advantage of our 5% Heymondo discount code below.

Stay safe, and have a wonderful time in Europe!

Ascen Aynat

14 replies on “ 4 Best Travel Insurance for Europe in 2024 ”

Is there a Schengen insurance that covers the UK on the same trip?

Hi Supinda, Yes, with the companies above, you can find European travel insurance plans that cover Schengen countries and the UK.

I wish to travel multiple trips to Europe 4-5 days duration

4-5 trips per year Mostly with my kids

Then I recommend you annual multi-trip travel insurance instead.

Let me know if you have any questions, Ascen

We are a family of four and applying for long term resident visa for Spain. We need health insurance for the visa. What do you recommend?

How long are you planning to stay in Spain. I usually recommend Heymondo, but if you’re staying for long, maybe it’s better to get a health insurance instead of a Travel Insurance,

Thanks, Ascen

Great information. Thank you so much for the information. Amazing services are there. i am very glad to see this blog. in the Schengen visa Itinerary also, providing good services like Flight Itinerary, Hotel Reservation and Travel Insurance are there.

hi Nigeria passport holder want to attend 15 days course in amsterdam Netherland base in Dubai UAE which travel insurance do you recommend for me thanks

I would try this one.

Let me know what you think.

We are a family of five traveling to Italy from the US. We are planning to do some hikes there. Which insurance do you recommend?

If you are going to have any kind of hiking or adventure sport I would go with insuremytrip standard for sure. It is the best insurance for Europe if you plan up to 2000m.

Thanks for this great post! I found all the info I need to decide which is the best travel insurance for my trip to Europe. I hope don’t have to use it though

I am glad to read you! Let me know if you have any question and safe travels!

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• Key takeaways

Do I need travel insurance to visit Europe?

What does travel insurance for europe cover, what isn’t covered by european travel insurance, how much does travel insurance for europe cost, how to get the best travel insurance for europe, europe travel information & requirements, europe travel insurance faqs, related topics.

Europe Travel Insurance: Your Essential Coverage Guide

• Based on our research, our top picks for travel insurance for Europe come from Tin Leg , Generali , and Seven Corners .
• If you have an emergency while traveling overseas, a European travel insurance plan can reimburse you for some of your losses.
• American medical insurance doesn’t cover the cost of receiving health care in Europe , so it’s especially important to get medical and medevac insurance when traveling in Europe.
• Street crime, risks of terrorism, and political unrest are some of the reasons trip interruption, cancellation, and medical coverage should be considered when visiting Europe.
• In addition to medical costs, a comprehensive travel insurance plan for Europe can also help cover costs associated with cancellations, delays, lost baggage, and more.
• While cheap insurance with basic coverage can cost as little as $1 per day, you can expect to pay around $8 to $11 per day for more extensive travel insurance.
• To compare plans and find the right policy to suit your needs, we recommend using an online comparison tool .

Our top picks for the best europe travel insurance

• Tin Leg: Best Rated Travel Insurance
• Seven Corners: Best Value for a Robust Coverage
• Generali Global Assistance: Best Value Travel Insurance

Our top picks for Europe travel insurance

Seven Corners

Generali global assistance.

Standard European travel insurance usually covers every country in the European Union (now excluding the UK ) and the Schengen Zone . If you plan to travel to either country, make sure your insurance plan will cover you. If you plan to travel to a non-Schengen, non-EU country, ask your agent to write a custom policy that includes every destination on your itinerary. Alternatively, you can purchase an annual insurance plan that covers you for multiple trips and destinations.

Although you don’t have to officially buy travel insurance unless you plan to apply for a visa, it’s wise to buy coverage even if it’s not required. Travel insurance protects against losses associated with medical emergencies, travel delays, lost or stolen luggage, and a wide range of other travel-related problems as we can see below.

Best Rated Travel Insurance

Why we like it.

• Excellent primary coverage for medical expenses
• High limit for emergency evacuation coverage
• Optional cancel for any reason (CFAR) coverage available
• Comes with coverage for hurricanes and inclement weather
• Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
• Baggage delay coverage requires a 24-hour waiting period
• Low coverage limits for baggage and personal effects

Best Value for a Robust Coverage

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Best Value Travel Insurance

• Lowest cost of all Generali Global Assistance plans
• 24/7 emergency travel assistance included
• Telemedicine included
• Lower coverage than other Generali plans
• Pre-existing conditions are not covered by the Standard plan
• No coverage for accidental death and dismemberment during on-land travel

Here are some of the reasons Americans should get travel insurance for visiting Europe

Risk of falling victim to street crime

Instances of pickpocketing, general theft, financial scams, and street muggings are not uncommon throughout Europe , as highlighted by the European Crime Prevention Network . Such acts of opportunist theft often happen throughout major European cities such as London, Paris, Berlin, and Rome, places where there are a high number of visiting tourists with their guard down. Therefore, it’s important that you keep your valuables out of sight and secure, especially when visiting popular tourist sites and traveling on public transport.

Purchasing travel insurance to Europe that covers you for loss of items can go a long way to relieving any stress you receive from falling victim to pickpockets and thieves during your vacation to Europe.

Risk of terrorism

Much like the rest of the Western world, E urope remains on high alert for the risk of terrorist attacks , especially in recent years, especially from Islamic and political extremists - as seen in the official Europol data . Although Europol and local law enforcement strive to keep the risk of attack relatively low, it is not without basis that attacks can happen.

Therefore, it’s important for US citizens to take out travel insurance that covers them for emergency medical coverage and emergency evacuation coverage , should the worst happen while they are on

Political unrest

Political demonstrations, industrial strikes, and even riots are not uncommon across many European nations , especially in the nation’s capitals. As seen in the recent Paris riots in 2023 , these demonstrations can spill out across the city and cause chaos to both tourists and locals alike.

Having an insurance plan that covers you for any trip interruptions, cancellations, and medical coverage for any unforeseen accidents you may face is ideal when traveling across Europe .

Outdoor activities

Visitors to Europe can enjoy a huge range of outdoor activities. Whether this is hiking through the foothills of the Alps, scaling the numerous mountains scattered across the continent, swimming and boating along its endless shores, or an exciting mix of all - this all comes with its own particular risks.

If you plan to enjoy the endless opportunities of the great outdoors while on vacation, you must have travel health insurance in Europe that covers you for sporting and adventure pursuits.

Risk of a driving accident

Generally speaking, driving in Europe is a safe affair. However, it is important to remember that each country has its own unique driving conditions and rules, as can be seen on the official website of the EU . It’s important to familiarize yourself with the rules and driving customs of any European country you are visiting.

If you are planning to hire a vehicle while vacating in Europe, you should consider taking out rental care travel insurance that covers accidents, theft, and vandalism . Also, considering the general risks while driving on unfamiliar roads, emergency medical coverage is a must.

European travel insurance usually bundles several types of coverage into a single policy. Here are some of the most common types of travel insurance available:

Travel medical insurance in Europe

The best travel insurance for Europe should, at the most basic level, include coverage for medical emergencies and emergency evacuation coverage. Your American health insurance won’t pick up the tab if you need medical care while you’re in Europe. Therefore, it’s important to buy travel medical insurance . Health insurance for travel to Europe covers lab tests, X-rays, and other medical expenses. This type of insurance also covers the cost of repatriation, which is when you leave Europe and return to the United States.\

Medical travel insurance can be purchased as part of a comprehensive travel insurance plan or as an independent policy on its own. In addition to medical travel insurance, consider broadening your policy to include coverage for travel delays, cancellations, and interruptions.

Medical evacuation insurance

In addition to your travel medical insurance in Europe, you should have medical evacuation insurance , better known as medevac coverage. It would be convenient to get sick less than 1 mile away from a hospital, but many emergency situations occur in remote areas without immediate access to medical care.

This type of travel insurance pays to transport you to the closest suitable medical facility. For example, if you sustain serious injuries while skiing or hiking, your insurer will cover the cost of having a helicopter transport you to a trauma center.

Trip cancellation insurance

If you have to cancel your trip for no fault of your own, trip cancellation insurance reimburses you for all prepaid, nonrefundable travel expenses up to the limit outlined in your policy. For example, this type of travel insurance may cover the cost of flights, prepaid hotels, and prepaid excursions. Some policies will also offer cancel for any reason (CFAR) coverage . This allows you to cancel your trip for any reason and claim back between 50% and 70% of your total prepaid travel expenses.

Trip delay insurance

These days, flight delays are common. It’s also possible for a cruise ship, ferry, or bus to depart later than scheduled, causing you to miss your connection. If this happens while you’re traveling in Europe, trip delay insurance will cover meals, lodging, and other expenses incurred due to the delay. To use this type of travel insurance, you must be using a common carrier, which is a company that provides transportation services to the public.

Trip interruption insurance

It’s no fun ending a trip early, but it’s even less fun if you lose money on prepaid lodging, meals, and other expenses. Trip interruption insurance takes the sting out of this situation by reimbursing you for the unused portion of your trip.

Insurance for personal items

Comprehensive travel insurance usually covers baggage loss, baggage theft, and damage to the personal items in your luggage. For example, if your duffel bag gets stuck in a machine at the airport, your travel insurance may cover the cost of replacing some of your damaged belongings.

Rental car coverage

If you plan to travel around town in a rented vehicle, consider getting rental car coverage for extra peace of mind. This type of insurance covers accidents, theft, and vandalism.

Standard travel insurance covers many things, but it usually excludes the following:

• Intentional acts:   If you damage a rental car on purpose, your travel insurance won’t pay a dime.
• Pre-existing conditions:   Travel health insurance doesn’t cover pre-existing conditions, which are health problems that you have before you travel to Europe. For example, if you’ve had hypertension for 10 years, your travel insurance won’t pay any medical expenses associated with a hypertensive crisis. If you are aware of any ongoing illnesses, it is advisable to purchase insurance for pre-existing conditions .
• Reasonably foreseeable events:   An emergency is a serious, unexpected event, so you don’t know when it’s going to occur. With a reasonably foreseeable event, there is some indication that an emergency might happen. If you choose to travel anyway, your travel insurance won’t cover any costs associated with trip cancellations, trip delays or trip interruptions.
• Injuries caused by risky activities:   SCUBA diving, skydiving, and mountain climbing are risky. Standard travel insurance doesn’t cover medical expenses associated with these activities, so you’ll need to buy a policy that includes coverage for adventure sports.
• Government travel restrictions:   Your insurance company has no control over how a government conducts its business. Therefore, if one of the countries you’re visiting decides to implement new travel restrictions during your trip, travel insurance won’t cover any of the associated costs.

Travel insurance for a trip to Europe can be as cheap as around $1 per day for very basic coverage. For a comprehensive policy, you can typically expect to pay $8 to $11 per day.

To give you a better idea of how much travel insurance for Europe costs we got price quotes for a trip to Ireland from three different insurance providers.

For each quote, we applied the following travel details:

• Age: 35 years old
• Destination: Ireland
• Trip Length: 7 days
• Trip cost: $2,000
• Date: August 2024

This table displays three quotes for basic travel insurance plans where plans don’t reimburse the full trip costs:

If you want to purchase more comprehensive travel insurance that covers trip cancellations and interruptions, your premium will be more expensive:

It’s important to understand that many factors influence the cost of travel insurance.

• Age:   Older people have a higher risk of developing serious injuries. Travel insurance providers account for this risk with higher prices. However, there is also the opportunity to purchase specific travel insurance for seniors - these policies are designed with elderly travelers in mind.
• Trip length:   The longer your trip is, the more money you’re likely to spend. Insurers charge more for long trips to account for the increased cost of reimbursing you for delays, cancellations, and other problems.
• Destination:   Some destinations are a bit riskier than others. Insurance companies charge higher premiums to avoid losing money on claims.

How much travel insurance do I need for Europe?

Knowing what level of travel insurance you need for Europe depends on the trip you plan to take. It’s vital to factor in your choice of destination, the activities you plan to do, and the likelihood of you needing to cancel your trip. All of these can determine what type of coverage you will need and by how much. Generally speaking, a standard comprehensive insurance plan will cost you between 5 and 10% of your total trip costs

To get the best travel insurance for Europe, follow these tips:

Plan your itinerary carefully

The cost of travel insurance depends on your destination and the type of transportation you plan to use.

Purchase extra coverage if you plan to participate in adventure activities

Most travel insurance plans don’t cover adventure activities, so be sure to purchase additional protection if you plan to take part in such plans

Think about how much flexibility you want

If there’s a good chance you’ll experience an unexpected hiccup, consider purchasing comprehensive health insurance for European travel rather than a basic policy

Consult the table below for a quick overview of the requirements for traveling from the United States to Europe

Tips for visiting Europe

Are there covid-19 restrictions for entering europe.

As of September 2023, most countries have eliminated their COVID-19 screening requirements. However, the situation may change at any time, as SARS-CoV-2 mutates regularly. It is there for advisable that you take out a travel insurance policy that offers COVID-19 coverage .

Do I need a visa to travel to Europe?

In most European countries, including the  27 countries in the Schengen Zone , you don’t need a visa for trips lasting 90 days or less. You do need a visa if you plan to travel to Turkey or the Russian Federation, regardless of how long you plan to stay.

If you plan to stay in the country for more than 90 days, you may need a Schengen visa or a country-specific visa. The Schengen visa allows you to travel between countries in the Schengen Area without going through a check at every border crossing.

As of mid-2025, the European Travel Information and Authorisation System (ETIAS) will go into effect. This system will require any US citizen traveling to Europe to complete an ETIAS application for any European nation that is a co-signer of the Schengen Agreement. The application will cost $8, although some travelers are exempt from paying this fee.

The table below shows the tourist visa requirements for European countries.

Does American insurance work in Europe?

Most U.S. health insurance plans will not cover medical care and treatment outside the United States . Although there are some small exceptions, having comprehensive EU travel insurance will protect you against huge medical bills, travel delays, and much more

Does Medicare cover you in Europe?

In most situations, US-based insurance policies such as Medicare will not provide coverage outside the US. Therefore, it is best to purchase a medical travel insurance plan. This will protect you from huge bills when you require health care or medical supplies you get outside the U.S.

Do I need travel insurance for Europe?

In most cases, travel insurance isn’t required, but you should get it anyway. This type of insurance gives you extra peace of mind in the event you experience a delay, cancellation, or other problem outside of your control.

Is travel insurance for Europe worth it?

Absolutely, travel insurance is worth it . You never know when you’ll come down with a serious illness or experience some other type of emergency. It’s good to have travel insurance to reimburse you for your losses.

How much does travel insurance for a trip to Europe cost?

It depends on your age, destination, and trip cost. For the most basic coverage, you can purchase a policy for as little as $1 per day. A more extensive travel insurance policy for Europe will generally cost between $8 and $11 per day.

Can I use my U.S. health insurance in Europe?

No. Your U.S. health insurance won’t cover any medical expenses incurred in Europe

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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Travel Insurance for a Trip to Europe (2024)

Travel insurance for Europe will help you avoid unexpected costs and provide peace of mind for as low as $70

with our comparison partner, TravelInsurance.com

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Europe has some of the world’s most visited tourist destinations. Whether you visit the Eiffel Tower in Paris or explore off-the-beaten-path towns in Spain or Germany, travel insurance for Europe can protect you against financial losses while traveling. Delays and cancellations can derail your travel plans, and an accident, injury or illness could leave you with unexpected medical costs.

A travel insurance policy can cover emergency medical expenses and help you avoid losing the money you invested in airfares and hotels if your trip to Europe gets canceled. We at the MarketWatch Guides Team cover what you need to know about travel coverage to help you find the best travel insurance company for your European vacation.

The Best Europe Travel Insurance Companies

Use the table below to compare prices, COVID-19 coverage and “cancel for any reason” (CFAR) protection for our top travel insurance companies for a trip to Europe.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Europe?

Travel insurance is not required for U.S. citizens to enter Europe. Tourists traveling to countries that are part of the Schengen Agreement can enter with a U.S. passport. However, if you plan to stay in certain countries for more than 90 days, you may require a visa.

Europe boasts dozens of countries with diverse attractions and experiences that are easily accessible. A short train ride can take you from ski slopes or beaches to busy cities and quaint towns.

The number of travel possibilities makes Europe attractive to tourists, but certain activities can expose you to an increased risk of injury. If you plan to go skiing, cycling, scuba diving , mountain trekking or participate in any other activities, you can account for the risk of injury with travel health insurance. This insurance policy can cover the cost of emergency healthcare if you get hurt abroad. While you can prevent injuries by taking proper precautions, travel medical insurance gives you peace of mind knowing you have coverage if the unexpected occurs.

Travel insurance plans go beyond injury and illness protection. You can buy travel insurance to cover trip interruptions, cancellations and other travel-related problems like lost baggage. For example, labor strikes are common in Europe and can affect airlines and airports, leading to hundreds of flight cancellations . Travel insurance also covers delays due to storms, volcanic eruptions, earthquakes or other natural disasters.

Travel Medical Insurance in Europe

The U.S. has the highest healthcare costs in the world. However, eight of the 10 most expensive countries for medical care are in Europe. U.S. embassies in Europe can help you find care if you are hurt or sick but will not assist with medical costs. Private U.S. health insurance does not always cover overseas treatment, and government-sponsored programs like Medicare will not pay for care while you are abroad.

If you suffer an injury or illness and need medical treatment in Europe, you will likely have to pay out of pocket unless you have travel insurance for medical emergencies . These policies cover medical care in hospitals or clinics but will not pay for elective or unnecessary treatments. For example, if you break your leg while skiing in Switzerland, your travel medical insurance would pay for the hospital visit, surgery, and even an emergency helicopter transport.

Travel medical insurance can be purchased as part of a comprehensive travel insurance plan or as a stand-alone policy. Purchasing some level of travel medical coverage is wise if your regular health insurance is not valid internationally. You can opt for a supplemental plan that provides secondary coverage beyond what your existing health insurance offers. Like other travel coverage, you pay up-front for costs and then submit claims for reimbursement when you return home. Be sure to keep all receipts and medical documentation.

Emergency Medical Evacuation

Most international travel policies also include emergency evacuation and repatriation coverage to cover the cost of air transportation back home if you are seriously injured or ill and require long-term care. Travel insurance may also pay for returning your body home if you pass away while on vacation.

“Cancel for Any Reason” (CFAR) Coverage

Cancel for any reason (CFAR) coverage allows you to receive compensation for a canceled trip for reasons outside your standard policy. Like all insurance, a traditional trip cancellation policy has exclusions. Your insurance provider will only reimburse for cancellations due to specific reasons, such as a death in the family, an unexpected illness or a natural disaster.

For standard insurance coverage, simply changing your mind does not qualify you for compensation. However, cancel for any reason policies allow you to obtain partial reimbursement for flights, lodging and other prepaid, nonrefundable expenses regardless of your motivation.

CFAR policies can be useful in specific situations. For example, if you book months in advance, it can help you account for scheduling conflicts that could arise between booking and departure.

Gear Theft Protection

Instances of theft, such as pickpocketing and bag snatching, are relatively common in Europe. In fact, the European Union (EU) counted more than 4 million thefts in 2021. Wallets, phones and cameras are popular targets for thieves in tourist areas.

Comprehensive Europe travel insurance may include some gear theft coverage. However, limits are often $1,000 or less, so you may not have enough to cover the loss of expensive devices.

You can seek a travel insurance company that offers increased coverage limits for gear or provides stand-alone theft protection. These travel plans can be worthwhile if you have valuable gear, such as a high-end smartphone, laptop, tablet or camera. You might also consider coverage if you have skiing or sporting equipment.

Rental Car Protection in Europe

Forecasts predict that European agencies will rent vehicles to 60 million users in 2023. While the continent has an excellent train network and inexpensive regional flights, travelers may prefer the convenience and freedom of car travel.

In Europe, you must have liability coverage when you rent a car. Most companies also offer optional collision damage waiver (CDW) policies you can purchase directly from the rental agency. However, this coverage is often more expensive and may include a high deductible you would have to pay in the event of an accident.

Some credit cards offer rental car coverage, or your auto insurance may include coverage for rentals abroad. If you plan on driving extensively, you can also purchase a travel insurance policy with rental car protection.

Europe Trip Cancellation Insurance

Trip cancellation insurance pays for the cost of the pre-booked expenses if you cancel your trip to Europe for a covered reason. These policies are meant to cover events that are beyond your control. For example, cancellation insurance will pay the trip cost if you become seriously ill before your departure date.

You can purchase medical and trip cancellation insurance individually based on your coverage needs or buy comprehensive travel plans that account for all issues you could encounter in Europe.

The policies typically cover cancellations due to other circumstances, including:

• Legal obligations, such as jury summons or a court subpoena
• Natural disasters
• Military deployment
• A death in your immediate family
• Terrorism, conflicts or political instability

Trip cancellation insurance does not pay out if you change your mind or have a scheduling conflict. The policy may also have restrictions for issues related to pre-existing medical conditions or illnesses that started before you purchased the policy. Opt for CFAR coverage if you prefer flexibility in being able to cancel your travel plans.

You can purchase travel insurance that includes both cancellation and trip interruption coverage. Interruption insurance covers costs associated with unexpected delays. For example, this type of policy would have covered expenses when the 2010 Eyjafjallajökull eruption in Iceland stopped air travel for days.

How Much Does Europe Travel Insurance Cost?

Europe travel insurance costs vary depending on the type of coverage you need, the cost of your trip and your destination.

We gathered quotes from five major travel insurers for an international trip to Europe. The estimates below are for comprehensive travel insurance for five different trips to European countries. Coverage includes cancellation and interruption protection, lost baggage compensation , medical emergency coverage, and evacuation and repatriation. The trip details are the following:

• A 65-year-old couple taking a week-long $7,000 vacation to London
• A 30-year-old couple taking a week-long $7,000 trip to London
• A 19-year-old taking a week-long $2,000 trip to Paris, France
• A 27-year-old taking a week-long $1,800 trip to Athens, Greece
• A 51-year-old taking a week-long $2,000 vacation to Madrid, Spain

Trip costs are up-to-date as of April 2024.

Business travelers and other frequent fliers may find it cheaper to get an annual or multi-trip policy instead of single-trip coverage . However, single-trip coverage will likely suffice if you are planning a one-time trip.

Finally, insurers may have different rules for travel within Europe. Some policies are the same within all Schengen countries ( 27 nations that allow borderless movement ), while others require a detailed itinerary listing each country you intend to visit.

How Do I Get Travel Insurance for Europe?

The first step to getting travel insurance is to define your coverage needs. Here are some factors to consider:

• Does your credit card have cancellation insurance if you use it to book your air tickets and hotel reservations?
• Does your health insurance cover emergencies occur overseas?
• Does your airline offer cancellation insurance or have policies that allow you to cancel before your departure date?
• Does your auto insurance policy protect car rentals in Europe?
• Are you traveling with valuable devices or gear that you need to insure?

Once you answer these questions, you can start requesting quotes and select a policy that has the coverage you need and fits your budget.

Europe Safety Tips

Though Europe does experience conflicts and unrest, it is considered a safe continent overall, with most countries experiencing much lower violent crime rates than elsewhere in the world. However, common-sense safety measures can ensure a smooth trip during your European travels.

Crime and Safety

Violent crime is rare in Europe, with 3,690 homicides and 216,400 robberies across the entire continent in 2021. But petty theft, including pickpocketing, is quite common, with more than four million incidents in 2021.

In addition to avoiding isolated areas and staying in groups after dark, take steps to secure items and money in your pockets using zippers, internal pockets or a money belt worn inside your clothing.

Day Trips, Tours and Excursions

Whether you are visiting the Netherlands, Portugal or Romania, there are countless opportunities for day trips and tours across Europe. For example, visitors to Belgium can take a day trip to Luxembourg, or you can visit Sweden while staying in Denmark.

Europe also offers many adventure sports opportunities. Activities like trekking, cycling or skiing can increase your risk of injury. For example, ski injuries are very common in popular destinations like the French Alps. In addition to proper equipment, you should always stick to conditions fitting your skill level to decrease your risks on roads, slopes, or trails.

If you plan to pack your itinerary while in Europe, travel insurance can offer reimbursement for canceled tours and excursions. A travel insurance policy can also cover medical expenses if you are injured while participating in certain activities.

Europe has lifted all travel restrictions related to the coronavirus. Travelers from the U.S. can currently enter the EU without documentation regarding vaccinations or recent COVID test results. However, each EU country can impose restrictions or requirements so be sure to check the rules of each country on your itinerary before departure.

Is Travel Insurance for a Europe Vacation Worth It?

Travel insurance is worth it if your credit card , health coverage, and auto insurance do not provide the protection you need while traveling. Although insurance coverage may add to the overall price tag of your trip, it could save you thousands in medical expenses or sunken costs due to unexpected injuries or cancellations. Coverage can also protect your belongings, including lost or damaged luggage and gear such as sporting equipment and cameras.

Frequently Asked Questions About Travel Insurance in Europe

How do i claim compensation for canceled flights to europe.

Compensation for canceled or delayed flights is subject to the airline and not guaranteed.

Airlines have steps to claim compensation based on EU regulations . You are entitled to compensation for canceled flights if the airline does not book you on the next available plane. These rules apply to airlines licensed in the EU, flights within Europe and flights leaving Europe on EU or non-EU-licensed airlines.

You may also receive compensation for food or accommodations if your delay lasts longer than two hours.

Does Europe require travel insurance?

Travelers entering the EU from the U.S. and other visa-free countries are not required to have travel insurance . However, travelers from countries with visa requirements for the Schengen area must have insurance coverage.

Can you buy stand-alone travel medical coverage for Europe?

Travel insurance companies offer stand-alone medical and evacuation insurance policies. However, you can also purchase this coverage as part of a comprehensive travel insurance plan with trip cancellation, interruption and lost baggage protection.

What is not covered by travel insurance?

Travel insurance covers unforeseen events, such as illnesses, accidents or trip cancellations for reasons outside your control. Coverage typically does not extend to foreseeable problems, such as illnesses due to pre-existing conditions or travel to existing conflict zones.

Is Europe a popular destination for U.S. tourists?

In 2019, before the COVID-19 pandemic slowed travel, 30 million Americans crossed the Atlantic to visit Europe. France remains the most popular country for tourism in the world, and other destinations, from Italy to Norway to Croatia to Switzerland, draw millions of visitors each year.

Other Insurance Resources From MarketWatch Guides 

Read our comprehensive guides on the following insurance categories to find top providers and peace of mind that you have all aspects of life covered.

• Leading Pet Insurance Companies
• Top Travel Insurance Companies
• Best Homeowners Insurance Providers
• Leading Renters Insurance Companies
• Affordable Renters Insurance Providers
• Top Term Life Insurance Providers
• Budget-friendly Homeowners Insurance Companies

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

More Travel Insurance Resources

• Immigration

Schengen Visa Travel Insurance: Complete Guide

Following these guidelines ensures that obtaining and presenting travel insurance for a schengen visa is a smooth and structured process. remember, selecting the right insurance policy and providing the requisite documents to the embassy are crucial steps in securing your schengen visa..

Key Takeaways:

• Schengen visa requires mandatory travel insurance with a minimum €30,000 coverage for medical expenses and repatriation in all Schengen countries.
• Travel insurance must remain valid throughout the stay and cost approx €20 to €50 for a one-week trip, varying by age and trip duration.
• Insurance premiums increase with age, policy duration, and maximum coverage limit; essential for visa approval, but recommended for all travelers to Schengen.

Planning a trip to Europe involves not just packing bags and booking flights, but also ensuring you meet all the necessary requirements for a smooth journey. One such critical preparation is obtaining the right travel insurance for those who need a Schengen visa . This guide aims to simplify the often confusing process of selecting and securing Schengen visa travel insurance, clearing your path to enjoying the historic, cultural, and scenic delights of Europe.

Travel insurance for a Schengen visa holds mandatory status and can be a dealbreaker in your visa application process if overlooked. But what exactly should your insurance cover, and how much should you expect to pay? From covering potential medical emergencies to ensuring you meet all embassy requirements for visa approval, this comprehensive guide delves into every detail you need to know. Whether you’re a seasoned traveler or a first-timer, understanding these essentials will not only protect you but also enhance your European adventure.

Schengen Visa Travel Insurance Guide

This guide provides essential information on obtaining travel insurance for a Schengen visa when visiting Europe.

What is Schengen Travel Insurance?

Schengen travel insurance is specifically designed for travelers who are required to apply for a Schengen visa. This insurance helps cover potential medical expenses, trip cancellations, and other unforeseen circumstances while traveling.

Is Travel Insurance Mandatory for a Schengen Visa?

Travel insurance is obligatory for anyone applying for a Schengen visa . Here are the key points regarding its requirements:

Also of Interest:

How to fill out form i-131: application for travel document, uae visa on arrival for indian travelers: simplified guide.

• Mandatory Requirement: The embassies of Schengen countries mandate that applicants must have valid travel insurance. Without it, your visa application will be denied.
• Quote from an official source: “Travel insurance coverage is a compulsory document for visa application and will be scrutinized during the visa interview.”
• For Non-Visa Nationals: Individuals from countries that do not require a visa to enter the Schengen zone are not obliged to acquire travel insurance. However, it is strongly advised to have one to ensure safety against health and travel risks.

Whether you need a visa or not, travel insurance for the Schengen Area is crucial for a stress-free journey, especially considering the unpredictable nature of travel. To avoid any complications with your travel plans, ensure you meet all insurance requirements before your trip.

Schengen Visa Travel Insurance Requirements

When applying for a Schengen visa, you are required to have travel insurance that fulfills specific criteria:

• Minimum Coverage : The insurance must provide at least €30,000 in coverage, encompassing medical expenses which include hospitalization, emergency medical services, and repatriation costs.
• Scope of Validity : The policy should be recognized in all 29 countries within the Schengen Zone.
• Duration of Coverage : Insurance should remain valid throughout your entire stay within the Schengen area.

Prominent insurance providers like Europ Assistance and MondialCare issue the necessary travel insurance certificates required by embassies for Schengen visa applications.

How Much Does Schengen Medical Travel Insurance Cost?

Comparatively, Schengen visa insurance is affordable against the total cost of traveling. Typically, for a one-week journey, the cost ranges from €20 to €50, depending on the specific policy chosen. The price of travel insurance is influenced by several factors:

• Age : “The cost of the insurance policy increases with age,” meaning individuals over 60 may see higher premiums than younger travelers.
• Trip Duration : Insurances are charged on a daily rate basis; thus, the longer your stay in Schengen, the more you will pay for insurance.
• Coverage Limit : Insurance plans vary extensively:
• A basic plan, covering up to €30,000 might cost less.
• Plans providing up to €100,000 or higher coverage will naturally be more expensive.

Understanding these factors and how they affect the overall insurance cost can help travelers make informed decisions about purchasing the right insurance policy for their Schengen visa application.

Where to Purchase Travel Insurance for a Schengen Visa

When planning your trip to the Schengen Area, purchasing travel insurance is a requirement. Here are several reliable options to consider for buying a travel insurance policy:

1. Online Travel Insurance Providers

You can conveniently secure travel insurance suitable for a Schengen Visa from the comfort of your home through online providers. Here are the top companies known for their comprehensive coverage:

• Europ Assistance
• MondialCare

2. Through Your Travel Agency

If you’ve arranged your European tour through a travel agency, they might offer travel insurance as part of their travel package.

• Note : This option is often the most expensive as some agencies tend to mark up the price of the insurance. Always review the policy details before finalizing. As mentioned, “ You should always read the policy beforehand – and if you don’t like it, see if you can opt out. “

3. Local Schengen-Accredited Insurance Companies

To buy travel insurance directly, you can approach a local insurance company accredited by Schengen authorities. Simply visit their office, request a Schengen travel insurance policy, and buy it.

By selecting from these tailored options, you ensure compliance with Schengen Visa requirements while choosing the plan that best fits your travel needs.

How to Purchase Schengen Visa Insurance Online

Purchasing Schengen Visa insurance online is straightforward. Here is a step-by-step guide to help you efficiently secure the right insurance for your travel needs:

Visit the Insurance Company’s Website :

• Navigate to the insurance provider’s website and click on the “Get a Quote” or “Start Now” button.

Complete the Online Application :

• Nationality
• Destination
• Dates of travel

Select a Plan :

• Carefully review the benefits of each to match them with your travel requirements.
• Choose between an affordable policy or a more comprehensive coverage depending on your needs.

Make the Payment :

• Payments can typically be made using a credit/debit card or PayPal.
• The cost will depend on variables such as age and trip length, as well as the chosen plan.

Download and Print the Insurance Certificate :

• Once your purchase is confirmed, download and print the Insurance Certificate provided in PDF format.
• “You need this to hand into the Embassy when you apply for a visa,” as it’s the proof required for your travel documentation.

How to Present Proof of Purchased Travel Insurance for Schengen Visa

When applying for a Schengen Visa, presenting proof of purchased travel insurance is essential:

• Travel Insurance Certificate : When you buy insurance, you will receive a travel insurance certificate. This document should be shown as proof when applying for your visa at the embassy.
• Meeting Specific Embassy Requirements :
• If the embassy has special requirements for the insurance certificate, contact your insurance company.
• They can tailor a certificate that fits the specific needs of your visa application.

Schengen Travel Insurance Plan Requirements

When applying for a Schengen Visa, a travel insurance plan must provide specific coverage to be considered valid. The coverage should include:

Medical Treatment Costs :

• In-patient and out-patient services
• Doctor consultations
• Hospital stays
• Surgical procedures
• Prescribed medications
• Emergency dental treatments

Repatriation or Evacuation Costs :

• Coverage is necessary in cases where you become seriously ill or are involved in a major accident requiring medical care back in your home country.
• It also includes repatriation in the event of death.

Additionally, insurers might offer extra coverage options such as trip cancellation and liability insurance.

Obtaining Schengen Visa Insurance from the USA

If you are based in the USA and planning a trip to Europe, obtaining Schengen Visa Insurance is straightforward:

• Purchase Online: You can easily purchase travel insurance suitable for Schengen visa applications through online platforms.
• Companies like Europe Assistance and MondialCare allow consumers to buy travel insurance directly from their websites.
• Download Insurance Certificate: After purchasing, you can download the Insurance Certificate which is often available in a printable electronic format.
• Visa Application: Simply submit the downloaded Insurance Certificate along with other required documents to the Embassy.

Purchasing Schengen Visa Insurance online and providing the required documentation to the embassy can streamline your travel preparations efficiently.

Understanding How Travel Medical Insurance Works

Introduction to Travel Health Insurance Travel health insurance is essential for covering financial losses due to medical emergencies when visiting Europe. If your insurance policy is valid during your trip, here’s how it typically works:

• Direct Billing : The hospital may send the bill directly to the insurance company, which means you do not have to pay anything upfront.
• Reimbursement Model : You pay the hospital bills yourself and subsequently file a claim with the insurance company to get reimbursed. Remember to retain all hospital bills for this purpose.

In case of an emergency, it’s critical to contact the assistance center immediately to receive guidance on how to proceed.

Purchasing Schengen Health Insurance Versus Relying on Domestic Insurance

Is Schengen Health Insurance Necessary? Even if you have domestic health insurance, it is advisable to purchase Schengen health insurance for travel in Europe. Domestic insurance plans typically provide coverage only within the country of issuance and do not extend to international travel. “Domestic insurance plans have coverage only within the country they were purchased in and do not cover international travel.”

Policy Refunds in Case of Visa Rejection

Can I Get a Refund If My Schengen Visa Application is Refused? Many insurance companies offer refunds if your Schengen visa application is denied. However, it varies by company:

• Check the FAQ section on the insurance company’s website.
• Contact the company directly for precise information regarding their refund policy in case of visa refusal.

Coverage Scope of Schengen Medical Insurance

Does Schengen Medical Insurance Extend Beyond the Schengen Area? Schengen medical insurance specifically targets the countries within the Schengen Area and does not cover other countries. If your travel plans include destinations outside the Schengen Zone, consider obtaining:

• An international travel insurance plan.
• A specific additional insurance plan that covers the non-Schengen countries you will visit.

In conclusion, understanding the specifics of how travel medical insurance works, ensuring you have the appropriate coverage for your destination, and knowing the conditions for potential refunds are crucial steps in preparing for travel in Europe and beyond.

Based on the detailed guide on Schengen Visa Travel Insurance, the following are official and helpful external resources that would be particularly relevant for someone seeking this type of insurance. These resources come from official government and insurance entities, providing credible and authoritative information for visa applicants:

• European Commission – Schengen Visa Information
• Website: https://ec.europa.eu/home-affairs/what-we-do/policies/borders-and-visas/visa-policy_en
• This is the European Commission’s official page detailing visa policies, including requirements and guidelines for the Schengen Visa.
• AXA Schengen Travel Insurance
• Website: https://www.axa-schengen.com/en
• AXA provides specific insurance for Schengen visa applicants, which meets the requirements set by the Schengen states.
• Allianz Travel Insurance – Schengen Visa
• Website: https://www.allianztravelinsurance.com/travel/schengen
• Allianz offers options for travel insurance that comply with Schengen Visa regulations.
• Europ Assistance – Schengen Travel Insurance
• Website: https://www.europ-assistance.com/en/travel-insurance/schengen-visa-travel-insurance
• Europ Assistance provides insurance products that accommodate the specific needs of travelers applying for Schengen visas.
• MondialCare – Europe Travel Insurance
• Website: https://www.mondialcare.eu/
• MondialCare offers travel insurance suitable for Schengen visa requirements.
• European Health Insurance Card (EHIC) Application
• Website: https://ec.europa.eu/social/main.jsp?catId=559
• Although not a replacement for travel insurance, the EHIC can be useful for EU citizens traveling within Europe.
• Schengen Visa Application Form
• PDF Download: https://www.schengenvisainfo.com/download-schengen-visa-application-form/
• This is a downloadable form that is required for all Schengen visa applications.
• Embassy of France in Washington, DC – Schengen Visa
• Website: https://washington.consulfrance.org/spip.php?article1404
• France’s embassy website, is often helpful for understanding specific requirements from one of the key Schengen countries.
• Germany Visa – Travel Insurance for German Schengen Visa
• Website: https://www.germany-visa.org/travel-health-insurance/
• This site provides detailed information about the travel insurance required specifically for a Schengen visa application for Germany.
• Website: https://www.sem.admin.ch/sem/en/home/themen/einreise/merkblatt_einreise.html
• Provides specific entry requirements and visa information for Switzerland.

Using these resources will give you official information regarding the Schengen Visa application process, including the mandates about travel insurance. This ensures that applicants can find all necessary, credible details directly from the responsible authorities or recognized organizations.

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Travel Insurance for Schengen Visa: A Comprehensive Guide

Updated: September 8, 2023

One of the key requirements of Schengen visa is the travel medical insurance. The travel insurance for Schengen visa must meet certain coverage and must be valid throughout the Schengen region for the entire duration of your stay.

With a myriad of travel insurance options in the market, picking out the right policy for your Schengen visa is difficult. In this article, you will everything about Schengen visa travel insurance and how to choose a policy for your visa.

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What is Schengen Travel Medical Insurance?

Schengen travel insurance is a type of insurance policy for travelers visiting the Schengen area. This type of travel insurance plan is designed specifically to comply with Schengen visa criteria of minimum coverage and validity requirements. Schengen travel insurance is also a mandatory requirement for obtaining a Schengen visa.

Who Requires Schengen Travel Health Insurance?

Visitors from visa-required countries planning to visit any Schengen country must require Schengen travel insurance.

If you are a traveler from a country that requires a visa to enter the Schengen zone, you must have a valid travel insurance policy. You must buy travel insurance not only for your Schengen visa application but also for any or all trips that you take to the Schengen area.

Is Travel Insurance Mandatory for Schengen Visa?

Yes, obtaining travel insurance is mandatory for Schengen visa . The European Commission’s 810/2009 Regulation mandates submitting valid travel medical insurance for Schengen visa applications.

Proof of travel medical insurance is not only mandatory for the first trip, but also for all subsequent trips for multiple-entry Schengen visas.

At the time of application, you would only need to provide proof of insurance for the first entry.

What are the Schengen Visa Insurance Requirements?

As per the Article 15 of REGULATION (EC) No 810/2009 , your Schengen visa travel insurance must meet the following three criteria:

• Must cover medical expenses up to a minimum of €30,000
• Must be valid for the entire duration of your stay
• Must be valid in all 27 Schengen countries

The policy must cover all medical expenses arising from emergency medical attention, treatment, hospitalization, emergency medical evacuation, repatriation due to medical reasons and death.

Let’s look at each of those requirements in detail.

1. Minimum Coverage

Your Schengen visa travel insurance must meet the minimum coverage requirement of €30,000. When purchasing Schengen visa travel insurance in USD, make sure the policy covers at least $50,000.

This minimum coverage is applicable for any medical expenses, emergency evacuation, and repatriation of remains.

This coverage is necessary to financially protect you in case of accidents, unforeseen illnesses, or other emergency situations that may arise during your travels in the Schengen area.

2. Validity Duration

Your travel insurance for the Schengen visa must remain valid for the entire duration of your stay in the Schengen area.

This travel insurance policy should cover you from the day you arrive in the Schengen area until the day you leave.

In terms of a multiple-entry visa, the Schengen visa insurance must be valid for the entire duration of your first entry only.

Here is an example:

You are applying for a multiple-entry visa and your trip is from Jan 01 to Jan 14. Your Schengen visa insurance must be valid from Jan 01 to Jan 14.

If you take another trip on the same visa, say from May 01 to May 14, then you must purchase another Schengen travel insurance at the time of your second trip.

For your visa application, you would only need to provide insurance for Jan 01 to Jan 14.

3. Validity in the Schengen Zone

Lastly, your Schengen visa travel insurance must be valid in all 27 Schengen countries. This is to make sure that you have coverage regardless of which Schengen country you visit during your trip.

Most Schengen travel insurance aggregators such as VisitorsCoverage provide insurances that are valid in the entire Schengen zone.

In fact, any insurance valid globally is acceptable for the Schengen visa. Provided, the the insurance covers at least €30,000 in all medical costs and emergencies.

What Does Schengen Visa Insurance Plan Cover?

In general, any Schengen visa insurance plan covers medical expenses, COVID-19 protection, and trip coverage.

These coverage options are designed not only to provide comprehensive protection but also to meet the Schengen visa insurance requirements.

1. Medical Coverage

Medical coverage is the most important aspect of Schengen travel insurance. It provides coverage for emergency medical expenses, accidents, and unexpected illnesses.

The coverage also includes hospitalization, emergency hospital treatment, doctor visits, prescription drugs, and other necessary medical treatments that are considered emergency and necessary.

The policy must cover at least €30,000 for the visa. But depending on your needs and activities in the Schengen area, you can opt for policies with higher coverage.

2. COVID-19 Protection

COVID protection is not mandatory for Schengen visa. But most Schengen visa travel insurance policies offer coverage for medical treatment and quarantine expenses related to COVID. COVID tests and quarantine must be prescribed by a doctor to be eligible for the coverage.

That being said, you must review the policy details to make sure that COVID protection is included. Even though it’s not mandatory, it can provide peace of mind during your trip.

3. Trip Coverage

Trip coverage is also not mandatory for Schengen visa. But most travel insurance plans provide protection against flight cancellations, delays, and lost luggage during your travels. Trip coverage will help lessen any expenses arising from trip interruptions and baggage delays.

Review the policy details to make sure comprehensive trip coverage is included. This way, you can ensure that your trip goes smoothly, even when faced with unexpected setbacks.

What Does Schengen Visa Insurance Plan Not Cover?

Though Schengen travel insurance plans provide coverage for a wide range of scenarios, there will usually be some exclusions. One common exclusion is the coverage for pre-existing medical conditions.

It’s crucial to understand the limitations and exclusions of your Schengen visa insurance policy. Let’s look into the exclusion of pre-existing medical conditions in detail.

Pre-existing Medical Conditions

Pre-existing medical conditions are generally not covered by Schengen visa insurance plans. If you have a medical condition that was present prior to the purchase of your Schengen insurance policy, any medical expenses related to that condition during the trip will not be covered.

Review the terms and conditions of your travel insurance policy to determine if any exclusions apply to pre-existing medical conditions.

Is COVID-19 Coverage Mandatory for Schengen Visa Travel Insurance?

No, COVID-19 coverage is not mandatory for Schengen visa travel insurance. But most Schengen travel insurance companies include COVID coverage in their policy.

Even though it’s not required, having COVID protection in your travel insurance can provide financial security during your Schengen trip.

It is always better to be prepared and have coverage than face challenges during the trip.

How Much Does Schengen Visa Medical Insurance Cost?

The cost of Schengen visa medical insurance varies depending on several factors, such as age, duration of your trip, total coverage amount, and the insurance company.

Schengen travel insurance from IMG Global, through VisitorsCoverage for up to 39 years of age will cost about a dollar a day. For a one-week trip, it would be about $7 USD. The cost goes up with age.

IMG Global is a US-based insurance company offering Schengen visa insurance. If you opt for a Europe-based insurance company such as Europ Assistance, the prices are even higher. A one-week insurance policy can cost about €18.

To find the most affordable insurance policy for the Schengen visa, compare different insurance providers and policies using an insurance aggregator such as VisitorsCoverage .

How to Choose the Right Travel Insurance for Schengen Visa?

With a myriad of options available in the market, choosing travel insurance for your Schengen visa can be a daunting task. To make this process easier, consider factors such as the reputation of the insurance company, coverage limits, and customer reviews.

Let’s look at each of these factors in detail.

1. Reputation of the Company

When selecting a travel insurance provider, it’s important to evaluate their reputation in the market. A reputable insurance company will have a track record of providing reliable and quality coverage, as well as excellent customer service.

You can assess the reputation of an insurance company by looking at its reviews and ratings on sites such as Trustpilot. VisitorsCoverage , for example, has a 4.7 rating on Trustpilot.

If you choose an insurance company with a strong reputation, you will have confidence in the coverage and support they provide throughout your trip.

2. Coverage Limits and Exclusions

Another important aspect to consider is the coverage limit. The policy must be Schengen visa compliant, meaning the policy must meet the minimum coverage requirement of €30,000.

Additionally, it’s important to review if there are any exclusions such as pre-existing medical conditions or other limitations.

By reviewing the coverage limits and exclusions, you can pick out a policy that is Schengen visa compliant and provide enough protection during your trip.

3. Customer Reviews and Ratings

Reviews and ratings can be invaluable resources when evaluating any product or service in the market. Travel insurance is no different. The reviews and ratings provide insight into the insurance provider’s customer service, claims process, and embassy acceptability.

By considering the experiences of other travelers you can assess the quality and reliability of the travel insurance.

4. Schengen Insurance Certificate

Lastly, the insurance company must be able to issue a Schengen insurance certificate, also called a visa letter. Submitting a visa letter along with the policy is a mandatory requirement for the Schengen visa.

This certificate confirms that your insurance policy meets the Schengen visa criteria. The certificate should include:

• Your name (as the policyholder)
• Policy number
• Total coverage amount, which should be no less than €30,000 (or $50,000)
• Dates of validity (must cover the entire duration of your stay in the Schengen area)
• Contact details for the insurance company, in case of emergencies

Where to Purchase Travel Insurance for Schengen Visa?

Travel insurance for Schengen visas can be purchased from online insurance providers, local insurance companies and travel agencies.

Local insurance companies and travel agencies can offer personalized advice. With online platforms, you can compare prices and coverage options from multiple insurers.

Regardless of where you purchase your insurance, it’s important to make sure the insurance policy meets Schengen visa insurance requirements and provides the necessary coverage for your trip.

My recommendation is to buy Schengen visa insurance from VisitorsCoverage. Their Europe Travel Plus policy is specifically designed for the Schengen visa, meeting the minimum coverage requirements and downloadable visa letter. Here is a comparison for a 33-year-old, 7 days trip to the Schengen area.

How to Purchase Travel Insurance for Schengen Visa

To purchase your travel insurance for Schengen visa, go to the VisitorsCoverage’s Europe Travel Plus plan. Enter the following details.

• Destination Country
• Citizenship
• Residence/Home country
• Coverage Start Date
• Coverage End Date
• Arrival Date
• Date of Birth
• Email Address

Click on Continue. In the deductible and policy maximum, select $0 for the deductible and $50K for the policy maximum. Then click on Continue.

In the next steps, enter your details as per your passport. Complete the payment and purchase the policy. Once your purchase is complete, you can download your visa letter.

How To Find Cheap Schengen Travel Insurance?

Finding cheap Schengen travel insurance requires research and comparison of policies and companies. I have done this already for you. VisitorsCoverage was the cheapest in my research. If you are older than 50, then you might want to check other insurance companies to see if you can find a cheaper option.

Frequently Asked Questions (FAQS)

Do us citizens need schengen insurance.

No. US citizens do not require Schengen insurance when traveling to the Schengen area. This is because Schengen insurance is mandatory for those that require a visa for the Schengen area. And, US citizens do not require a visa for the Schengen area.

Is Schengen travel insurance refundable?

Yes. Most Schengen visa insurance companies offer reimbursement or free cancellation in the event of visa refusal. That being said, review the terms and conditions of the insurance policy before purchasing to make sure the policy is cancellable in case of visa refusal.

Can I purchase travel insurance after obtaining a Schengen visa?

No. You must purchase travel insurance before obtaining the visa. This is because travel insurance is one of the mandatory requirements for obtaining the Schengen visa. Without purchasing travel insurance, you won’t even be able to apply for the Schengen visa.

Are pre-existing medical conditions covered by travel insurance?

Pre-existing medical conditions are usually not covered by Schengen visa insurance plans. This means that any medical expenses arising due to pre-existing conditions will not be covered during your trip. Before purchasing, review the terms and conditions of the policy to determine the exclusions.

Can I extend my travel insurance coverage if my stay in the Schengen area is prolonged?

It may be possible to extend travel insurance coverage if your stay in the Schengen area is prolonged. But it depends on the insurance company and the policy type. Review the terms and conditions and also contact the insurance provider to inquire about extensions.

Obtaining the right travel insurance is a crucial step in your Schengen visa application process. The travel insurance for Schengen visa must provide at least €30,000 coverage and must be valid throughout the Schengen region for the entire duration of your trip.

While purchasing your Schengen visa insurance, consider factors such as the provider’s reputation, coverage limits and customer reviews. Compare different travel insurance providers and policies to pick out the right insurance for your Schengen visa.

WRITTEN BY THIRUMAL MOTATI

Thirumal Motati is an expert in tourist visa matters. He has been traveling the world on tourist visas for more than a decade. With his expertise, he has obtained several tourist visas, including the most strenuous ones such as the US, UK, Canada, and Schengen, some of which were granted multiple times. He has also set foot inside US consulates on numerous occasions. Mr. Motati has uncovered the secrets to successful visa applications. His guidance has enabled countless individuals to obtain their visas and fulfill their travel dreams. His statements have been mentioned in publications like Yahoo, BBC, The Hindu, and Travel Zoo.

PLAN YOUR TRAVEL WITH VISA TRAVELER

I highly recommend using these websites to plan your trip. I use these websites myself to apply for my visas, book my flights and hotels and purchase my travel insurance.

01. Apply for your visa

Get a verifiable flight itinerary for your visa application from DummyTicket247 . DummyTicket247 is a flight search engine to search and book flight itineraries for visas instantly. These flight itineraries are guaranteed to be valid for 2 weeks and work for all visa applications.

02. Book your fight

Find the cheapest flight tickets using Skyscanner . Skyscanner includes all budget airlines and you are guaranteed to find the cheapest flight to your destination.

03. Book your hotel

Book your hotel from Booking.com . Booking.com has pretty much every hotel, hostel and guesthouse from every destination.

04. Get your onward ticket

If traveling on a one-way ticket, use BestOnwardTicket to get proof of onward ticket for just $12, valid for 48 hours.

05. Purchase your insurance

Purchase travel medical insurance for your trip from SafetyWing . Insurance from SafetyWing covers COVID-19 and also comes with a visa letter which you can use for your visas.

Need more? Check out my travel resources page  for the best websites to plan your trip.

LEGAL DISCLAIMER We are not affiliated with immigration, embassies or governments of any country. The content in this article is for educational and general informational purposes only, and shall not be understood or construed as, visa, immigration or legal advice. Your use of information provided in this article is solely at your own risk and you expressly agree not to rely upon any information contained in this article as a substitute for professional visa or immigration advice. Under no circumstance shall be held liable or responsible for any errors or omissions in this article or for any damage you may suffer in respect to any actions taken or not taken based on any or all of the information in this article. Please refer to our full disclaimer for further information.

AFFILIATE DISCLOSURE This post may contain affiliate links, which means we may receive a commission, at no extra cost to you, if you make a purchase through a link. Please refer to our full disclosure for further information.

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• Best overall
• Best for exotic trips
• Best for trip interruption
• Best for medical-only coverage
• Best for family coverage
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Best International Travel Insurance for June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Best International Travel Insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured

Best for medical-only coverage: GeoBlue Travel Insurance

• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

How we rate the best international travel insurance »

Compare the Best International Travel Insurance Companies

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most US health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable. 

Here are our picks for the best travel insurance companies for international travel.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TravelSmart, Allianz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads Travel Insurance review here.

Best for trip interruption: C&F Travel Insured

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
• con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
• con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
• C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our C&F Travel Insured review here.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. A subsidary of Blue Cross Blue Shield
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers strong medical plans as long as you have a regular health insurance plan, but it doesn't have to be through Blue Cross
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers long-term and multi-trip travel protection
• con icon Two crossed lines that form an 'X'. Multiple complaints about claims not being paid or being denied
• con icon Two crossed lines that form an 'X'. Does not provide some of the more comprehensive coverage like CFAR insurance
• con icon Two crossed lines that form an 'X'. Buyers who do get claims paid may need to file multiple claim forms

GeoBlue Travel Insurance offers policies that covers emergency medical treatments when you're abroad. While GeoBlue lacks trip cancellation coverage, that allows it to charge lower premiums than the other companies on this list. 

GeoBlue plans can cover medical expenses up to $1 million with several multi-trip annual plans available. It offers coinsurance plans for trips within the U.S. and 100% coverage for international trips. It also has a network of clinics in 180 countries, streamlining the claims process. It's worth noting that coverage for pre-existing conditions comes with additional costs. 

Read our GeoBlue Travel Insurance review here.

Best for family coverage: Travelex Travel Insurance

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
• con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
• con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
• con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
• con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

• Optional CFAR insurance available with the Travel Select plan
• Trip delay insurance starting at $500 with the Travel Basic plan
• Emergency medical and dental coverage starting at $15,000

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex Travel Insurance review here.

Best for long trips: Seven Corners

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners Travel Insurance review here.

How to Find the Right International Travel Insurance Company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

Your needs for travel insurance will depend on the type of trip you're taking. You'll need to consider your destination and what you'll be doing there, either business, leisure, or adventure traveling. Policies covering adventure sports and activities will cost more. Longer, more expensive trips will also cost more. 

Research the reputation of the company 

When researching a company, you'll want to closely review the description of services. You'll want to see how claims are handled, any exceptions, and limitations.

You'll also want to look at the company's customer reviews on sites like Trustpilot, BBB, and Squaremouth, as this will provide insight on the quality of customer service and the claims process. You should also take note of whether companies respond to customer reviews.

Compare prices

You can get quotes through a company's website or travel insurance aggregators like InsureMyTrip and VisitorsCoverage. You'll need to be prepared to provide the following information about your trip:

• Trip destination(s)
• Travel dates
• Number of travelers
• Traveler(s) age/birthday
• State of residence
• Total trip cost

For companies that offer travel medical insurance, you'll also want to play around with the deductible options, as they can affect your policy premium. 

Understanding International Travel Insurance Coverage Options

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the Best Price for International Travel Insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

Why You Should Trust Us: How We Reviewed International Travel Insurance Companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

Read more about how Business Insider rates insurance products here.

International Travel Insurance FAQs

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

You should pay attention to any limitations regarding covered cancellations, pre-existing conditions, and adventure activities. For example, if you're worried you may have to cancel a trip for work reasons, ensure that you've worked at your company long enough to qualify for cancellation coverage, as that is a condition with some insurers. You should also see if your destination has any travel advisories, as that can affect your policy. 

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip. 

• Main content

Do I Need Additional Health Coverage if I Travel Internationally?

Y ou will likely need additional health coverage if you plan on traveling outside of the United States since Affordable Care Act (ACA) Marketplace health plans are not required to include international travel coverage. Multiple insurance carriers sell separate travel insurance that can cover emergency health care services and potentially other treatments you need while in a foreign country.

Keep reading to find out how you can know when your health insurance covers international travel and what types of coverage can protect you as you travel abroad.

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Does my health insurance cover international travel, what won’t be covered by health insurance during international travel, how much does it cost to get medical insurance for international trips, how do i know if an international medical facility is in my network, how to get medical coverage when you travel internationally, how to file a claim for medical care during international travel.

ACA-compliant health insurance plans aren’t required to cover you during international travel, so you should contact your insurer before you leave to find out if any out-of-country medical services you receive would be covered. Keep in mind that some health plans don’t cover out-of-network care at all, meaning you would be fully on the hook for medical expenses you incur while visiting a foreign hospital that isn’t in your plan’s network.

Meanwhile, plans that do cover out-of-network care will usually require you to pay a greater portion of the costs through coinsurance or copays . As a result, there’s a good chance you will have to pay more for international treatments even if your health insurance company agrees to cover them.

Fortunately, numerous companies sell supplemental health insurance products that can provide more comprehensive health coverage while you are traveling abroad. For example, medical evacuation insurance can cover the costs of transportation to a medical facility that can provide you with appropriate care in an emergency. This type of coverage may automatically be included in a travel health insurance plan, which can also cover the emergency care itself and potentially even regular treatments related to a preexisting condition. [1]

Does Medicare Cover International Travel?

Medicare only covers treatments at foreign hospitals in specific situations where they are closer to you than an American health care facility. For example, if you live in the United States near the border of Mexico or experience a medical emergency near the border, Medicare may cover treatments at a Mexican hospital. Similarly, you may be covered if you visit a Canadian hospital after experiencing a medical emergency on your way to Alaska. [2]

Meanwhile, Medicare will only cover care you receive on a cruise ship if the ship is within six hours of an American port. Conversely, some Medicare Advantage plans and most Medigap plans include international travel coverage. [2]

Specifically, a Medigap plan can cover 80% of the costs for medically necessary care in foreign countries that Original Medicare won’t cover as long as you have met a $250 deductible and receive the care within 60 days of starting your trip. Note that Medigap foreign travel emergency coverage comes with a $50,000 lifetime limit. [2]

Does Medicaid Cover International Travel?

Medicaid generally doesn’t cover medical expenses you incur overseas. [1] In fact, you may have limited coverage anywhere outside of your home state since Medicaid benefits are largely determined at the state level. For example, North Carolina Medicaid only covers out-of-state routine care if you receive it in Georgia, South Carolina, Tennessee or Virginia within 40 miles of the North Carolina border, exclusively covers medically necessary care elsewhere in the United States and doesn’t provide any coverage outside of the country. [3]

Even if you purchase a separate travel health insurance plan, your insurer likely won’t cover preventive services and other kinds of routine care. [4] You may need to purchase a long-term international health plan to receive coverage for these kinds of services outside of the United States.

Instead, travel medical insurance predominantly provides coverage for emergency situations such as slipping and breaking your leg while rock climbing, getting sick after a spider bites you on a hike or requiring a medevac helicopter after you have a heart attack in a remote location.

The average cost of health insurance for international travel ranges from $40 to $80, with factors like the length of your trip and the coverage limits you select influencing your rates. [4] Meanwhile, you will usually have to pay 5% to 7% of the cost of your entire trip for a trip insurance package that includes coverage for emergency medical care, canceled flights, trip interruption and lost or damaged luggage. [5]

The best way to know if a medical provider is in your network or if your insurance company will otherwise cover care from that provider is to contact your insurer in advance to get your treatment preapproved.

Keep in mind that many American insurance carriers don’t contract with international medical facilities at all.

Nevertheless, there are some health insurance companies with networks that extend beyond the United States. For example, Cigna ’s network includes 1.5 million hospitals and health care professionals throughout the world, while Blue Cross Blue Shield ’s GeoBlue contracts with more than 1.7 million medical providers globally. [6][7]

You may be able to buy coverage for your vacation from either a company that specializes in travel insurance or a traditional health insurance carrier that offers international coverage. It’s recommended that you obtain quotes from three to five different companies so you can compare all of your options to find the best deal.

To make this process as simple as possible, consider using an online insurance marketplace like SmartFinancial. We can take information about your coverage needs and budget from a brief questionnaire and match you up with insurance agents who may be able to help you find a health plan with built-in travel coverage. If you’re interested in receiving free health insurance quotes today, simply enter your zip code below.

Claim filing processes can vary from company to company but you will generally need to fill out your insurer’s designated claim form and provide an itemized bill listing all of the treatments you were charged for along with other documents showing information such as where you were treated and what injury or sickness you were treated for.

You should be aware that foreign health care providers generally don’t accept American insurance and won’t file claims on your behalf. [4] As a result, even if your health plan covers international care, you will likely have to pay for your treatments out of pocket initially and then file an insurance claim yourself to be reimbursed by your insurer.

Do I need additional medical insurance when traveling abroad?

ACA-compliant health plans are not required to cover you while you’re traveling abroad, so you may need to purchase additional travel medical insurance.

Does Medicare cover international travel?

Medicare covers international travel in extremely limited circumstances such as when you are on a cruise ship less than six hours away from an American port. However, you may be able to get broader travel health coverage through a Medicare Advantage or Medicare Supplement plan. [2]

Do I need travel insurance if I have health insurance?

Many American health insurance plans don’t cover out-of-network care and don’t include foreign hospitals in their networks, so you may need separate travel health insurance to receive coverage for international care.

• United States Department of State. “ Insurance Providers for Overseas Coverage .” Accessed Nov. 8, 2023.
• Centers for Medicare & Medicaid Services. “ Medicare Coverage Outside the United States ,” Pages 1-4. Accessed Nov. 8, 2023.
• North Carolina Department of Health and Human Services. “ NC Medicaid: Out of State Services ,” Page 1. Accessed Nov. 9, 2023.
• Travelers Insurance. “ How Does Travel Medical Insurance Work? ” Accessed Nov. 9, 2023.
• International Association for Medical Assistance to Travellers. “ Travel Health Insurance 101 .” Accessed Nov. 9, 2023.
• Cigna Global. “ International Health Insurance & Global Medical Cover .” Accessed Nov. 9, 2023.
• GeoBlue. “ International Travel Health Insurance Coverage .” Accessed Nov. 9, 2023.

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Europe travel insurance market to reach usd 15.0 billion by 2032: exclusive report by astute analytica.

The European travel insurance market is dominated by comprehensive coverage, driven by informed consumers seeking extensive protection. The rise in online purchasing, senior travelers, and the pandemic's impact have solidified the demand for all-inclusive policies that cater to diverse traveler needs.

New Delhi, May 23, 2024 (GLOBE NEWSWIRE) -- The  Europe travel insurance market is experiencing robust growth, with a valuation of US$ 2.5 billion in 2023, projected to soar to US$ 15.0 billion by 2032, at a CAGR of 22.1% from 2024 to 2032.

Consumer behavior in Europe indicates a strong preference for travel insurance, with 77% of Brits having purchased it in the past and 48% consistently doing so for trips abroad. In line with this, the UK market alone is expected to grow from £468 million to £598 million by 2029. This growth is fueled by a combination of factors, including mandatory insurance regulations for visa applications, increased consumer awareness, and the impact of the COVID-19 pandemic, which has underscored the importance of travel insurance.

Request Free Sample Copy @  https://www.astuteanalytica.com/request-sample/europe-travel-insurance-market

Medical cover is the most sought-after, accounting for 54.2% of the travel insurance market in 2023. The majority of the market is dominated by individual insurance plans (77.0%) and comprehensive travel trip insurance (52.6%).

The pandemic has not only heightened the demand for travel insurance but also accelerated the Travel market’s digital transformation, leading to more interactive and efficient digital platforms. European governments have played a significant role in this demand by enforcing regulations that make travel insurance mandatory for travelers. Additionally, partnerships between insurers and travel-related businesses have become more common, offering insurance at the point of booking.

In terms of claims, UK travel insurers paid out £352 million in 2022, with the average claim reaching £973, the highest since 2004. The most common claims were for trip cancellations and lost belongings. Customer satisfaction is at an all-time high, with 87% of policyholders satisfied with their coverage.

The Europe travel insurance market is competitive, with major players like Zurich, Allianz, and AXA leading the way. The insurance intermediaries’ sector is particularly dominant. Coverage typically includes emergency medical expenses, trip interruptions, cancellations, lost baggage, and more, with policies costing between 4% to 8% of the total trip cost. While travel insurance is deemed valuable for managing travel risks, especially for longer and nonrefundable trips, it may be less necessary for shorter, inexpensive, or fully refundable trips.

Key Findings in Europe Travel Insurance Market

Digital Innovations and Partnerships in Europe Travel Insurance Market

The market is adapting to new technologies, with a shift towards digital platforms and products. Partnerships between insurance providers and travel-related businesses are becoming more common, such as Chubb's partnership with Royal Brunei Airlines and AXA Partners' collaboration with Trip.com. These partnerships often include comprehensive coverage options, catering to the evolving needs of travelers.

The Symbiotic Relationship: Tourism Drives Europe's Travel Insurance Market

The symbiotic relationship between tourism and the travel insurance market in Europe is evident through the substantial economic contributions and growth patterns observed in recent years. Tourism stands as a pivotal economic pillar for Europe, having generated a staggering USD 1,920 billion for the continent's GDP in 2023. This economic influx is not just a testament to the continent's allure but also a driver for ancillary markets, including travel insurance. Europe's status as the world's premier travel destination, drawing in over 50% of all global international visitors, has a direct and profound impact on the demand for travel insurance products.

Countries like Germany and France, which are among the top destinations within Europe, have seen their markets flourish in tandem with their tourism sectors. Germany's travel insurance market is on a trajectory to more than triple by 2030. Similarly, France is witnessing a steady climb in its travel insurance premiums. These figures underscore the correlation between the influx of tourists and the heightened need for travel insurance, as travelers seek to safeguard their trips against uncertainties.

The consumer behavior within the European travel market further reinforces the demand for travel insurance. A significant number of European travelers are proactively securing travel insurance to mitigate common travel-related risks such as airline cancellations, luggage loss, and medical emergencies. The preference for single-trip insurance coverage, which captured the largest revenue share at 60.1% in 2023, reflects the demand among occasional travelers who may not travel frequently but still recognize the importance of insurance for specific trips.

The Preeminence of Medical Coverage in European Travel Insurance Market Captures Over 54.2% Market Share

In the landscape of European travel insurance, medical coverage has emerged as the predominant force, accounting for a substantial 54.2% of the market in 2023. This segment's dominance is largely attributable to the inadequacy of domestic health insurance policies outside national borders, necessitating a specialized travel medical insurance to bridge the gap. Such insurance is crucial, as medical emergencies can arise suddenly, and the associated costs can be staggering, potentially derailing one's travel budget. Unlike standard health insurance, travel medical insurance is tailored to address the risks and challenges faced when traveling.

The Schengen Area's visa requirements further underscore the importance of this insurance type in Europe travel insurance market. For stays beyond 90 days, travelers must possess travel medical insurance that meets certain criteria, ensuring they are covered for emergencies. The cost of travel insurance for Europe hovers around $359 on average, with a range of $40 to $80 for most policies, making it a relatively affordable safeguard. Stand-alone medical policies average $92.75 per trip, with the price influenced by various factors such as age, trip length, destination, and coverage extent.

The necessity of medical coverage is further illustrated by real-world costs; for instance, a traveler without evacuation insurance incurred a $70,000 bill to return from Spain to the U.S. Such examples highlight the financial risks of traveling without adequate coverage. With European vacation costs increasing by 30% from 2022 to 2024, and countries like the UK, Germany, and France contributing significantly to tourist numbers in destinations like Spain, the value of comprehensive travel medical insurance becomes indisputable. It's not just a matter of compliance with visa regulations but a critical investment in one's well-being while exploring the world.

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Comprehensive Coverage is the Undisputed Champion of European Travel Insurance Market with Over 52.6% Market Share

In the dynamic landscape of European travel, comprehensive travel insurance has emerged as the dominant choice among consumers, a trend underscored by compelling statistics and market behavior. A paramount concern for 85% of European travelers is health and safety, a priority that comprehensive insurance addresses by offering extensive medical coverage, a necessity given that medical costs abroad can be triple those at home, according to the World Health Organization. The robustness of comprehensive plans is further justified as trip cancellation, which forms up to 40% of insurance claims, and the protection against the mishandling of 24.1 million bags globally, are covered under such policies.

The surge in consumer education has also played a pivotal role in the growth f the travel insurance market, with 72% of travelers now more informed about insurance than five years ago. This awareness, coupled with the influence of government travel advisories, which affect 60% of travelers' insurance purchasing decisions, and Schengen visa insurance mandates, has led to a more discerning clientele. The convenience of online purchasing, with 65% of insurance now bought through digital channels, has made comprehensive coverage more accessible and customizable, as seen with insurers like AXA.

Rise of Adventure Tourism and Post Pandemic Awareness Spur Insurance Demand

The rise in adventure tourism, with 30% of European travelers participating in such activities, and the projected growth in business travel, further fuel the demand for comprehensive plans. Notably, the senior traveler segment, which heavily favors comprehensive insurance for enhanced health and trip cancellation coverage, has seen a 70% preference rate. Frequent travelers are also contributing to the trend, with a 20% increase in multi-trip policy sales.

The COVID-19 pandemic's impact on travel has only solidified the position of comprehensive insurance in the Europe’s travel insurance market, as travelers seek protection against health risks and trip interruptions due to quarantine measures. Trust in comprehensive coverage is high, with 80% of consumers favoring trusted brands, and insurers like Allianz and Generali expanding their offerings to meet this demand. The inclusion of 24/7 assistance services, valued by 75% of travelers, and the 25% increase in uptake of family travel policies, underscore the all-encompassing appeal of comprehensive plans. Influential travel agents recommend these policies to over half of their clients, leading to a 10% higher customer satisfaction and retention rate for insurers.

Europe Travel Insurance Market Key Players

Allianz Travel

American Express Company

American International Group

Atlas International

Berkshire Hathway Travel

CSA Travel Protection (Generali Global Assistance)

FWD Group Limited

Hanse Merkur

Other Prominent Players

Key Segmentation:

By Medical Cover 

Emergency Accidental Treatment & Evacuation

Emergency Medical Treatment & Evacuation

Personal Accident

Daily Cash Allowance

Accidental Death & Disability

Emergency Dental Treatment

By Risk Coverage

Smooth Transit Covers

Trip Cancellations

Common Carrier Delay

Delay of Checked-In Baggage

Flexible Trip

Loss of Passport

Emergency Cash

Emergency Trip Extension

Trip Abandonment

Personal Liability & Bail Bond

By Trip Type

Comprehensive Travel

Student Travel

Leisure Travel

Individual Insurance

Group Insurance

Single Trip Insurance

Multi Trip Insurance

By Destination

International

By Distribution Channel

Insurance Intermediaries

Insurance Companies

Insurance Brokers

Insurance Aggregators

By End User

Travel Bloggers

Tourist Guides

Family Travelers

Business Travelers

Group Travelers

Senior Citizens

By Country 

Netherlands

Switzerland

Czech Republic

Rest of Europe

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How much should you spend on long-term care insurance? What experts say

By Tim Maxwell

Edited By Angelica Leicht

May 27, 2024 / 9:58 AM EDT / CBS News

The high cost of long-term care can significantly impact seniors' finances at a time when many older Americans can least afford it. According to Genworth's 2023 Cost of Care Survey, the average cost for a private room in a nursing home is $116,800 , representing a 4.9% increase over 2022 costs. While getting assistance from a home health aid is substantially lower, its $75.500 average annual cost still represents an outlay of nearly $6,300 per month.

These expenses can wreak havoc on your finances if you're a senior living on a fixed income from Social Security or a pension. And, long-term care costs are only getting more expensive due to greater demand and increased labor costs.

While Medicare generally won't cover these expenses, the right long-term care insurance plan will. Of course, the same factors that drive up long-term care also impact the price of the insurance to cover it. As such, it's important to understand the costs of long-term care (LTC) insurance and how much you should spend on a policy.

Find out how much a long-term care insurance policy could cost you here .

We asked several experts to weigh in on long-term care insurance costs for seniors. Here's what they had to say:

The cost of long-term care insurance varies by your situation

One idea the experts agree on is that the appropriate amount you might pay for long-term care insurance depends on your personal circumstances. The type of insurance you get, age, coverage options and other factors also weigh heavily in your premium amount.

" The amount seniors should spend on long-term care insurance should align with their personal financial situation, health status, coverage needs and age," says Skip Skolnik, founder and senior estate planner at Skolnik Retirement Solutions. "Seniors should also be aware that many policies are 'use it or lose it,' meaning you could easily pay on a policy for 10 or 20 years, pass in your sleep and have no benefit from the long-term insurance coverage."

Todd Wolfe, a senior insurance associate at Telemus, agrees that your long-term care insurance premium amount depends on your financial situation, goals and needs. 

"It's all about finding a balance that they can afford and be comfortable with. Traditional long-term care costs really does vary because there are so many different design options in addition to the increasing cost with age. The top three that drive the cost are daily or monthly benefit amount, length of coverage and if there is an inflation option selection," Wolfe says.

One of the downsides of long-term care is that its cost can strain your finances, especially if you don't have coverage for it. Insurance can help you protect yourself financially, but determining what and how you should pay for it is challenging.

"There is no perfect formula," says Kevin Patrick Peters, a certified life underwriter and wealth advisor at XML Financial Group. "Typically, a senior considering LTC insurance should own their own home and have assets of $100,000 or more to protect," says Peters, who adds that seniors should also want to protect those assets and remain independent in their home for as long as possible. "Many seniors may consider using a portion of the interest of those assets to pay for LTC insurance if that interest is not required for their day-to-day living expenses."

Explore your long-term care options and compare policies here .

Costs could be lower with employer-provided insurance

As with other types of insurance, it's wise to compare rates from multiple insurers to find the best combination of coverage and costs for your situation. While policy choices play a significant role in the amount of your long-term care insurance premiums, who provides your policy is equally important.

Chris Orestis, president of Retirement Genius, recommends getting coverage through your employer if you have that opsion. 

"People can also obtain coverage through a hybrid life and LTC insurance policy, or they can purchase an annuity that offers LTC coverage. Each option offers unique benefits that will impact what they cost, but the overall average cost of a standard long-term care insurance policy for someone age 60 is about $1,200 and by age 65 increases to $1,700," Orestis says.

How to secure cost-effective long-term care insurance

Premiums for long-term care insurance tend to be lower for younger applicants, so it often pays to take out a policy early if you anticipate needing care later in life. Another way to keep your insurance costs in check is to avoid purchasing more coverage than necessary. Consider your financial means to make payments, how much family support you might expect and what coverage options are essential versus what you may do without.

One of the most significant factors to play a role in your long-term care insurance premiums is the amount of coverage you purchase. That's why, if your goal is to make long-term care insurance more affordable, you may want to take the time to consider how much coverage you'll need and what financial assets and resources will be available to you if you need long-term care.

Skolnik recommends looking into hybrid insurance products, which may address your needs better. 

"There are hybrid-joint policies that will pay out a multiple as high as three times the premium to cover the needs of care," he says. "Many of these are also 100% return of premium, which means if you or your spouse never need to go to a nursing home, the initial premium is returned with a guaranteed compounded interest rate to the insured estate."

The bottom line

While it's not something we like to think about or plan for, statistics show that we should prepare for our care in our later years. According to the Center for Retirement Research at Boston College, roughly 80% of 65-year-olds will need some form of long-term care at some point. As such, it's wise to prepare for long-term care before age 65 , although planning later is still beneficial.

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