Travel Insurance for Europe

Travel insurance covering Europe provides financial and medical cover for trips within most European countries, including emergency medical expenses, cancellation, lost luggage, and travel delays. Some European counties may be excluded for standard policies, always check for excluded destinations before buying your travel insurance to ensure suitable cover for your trip.

It is strongly recommended, although most European countries do not require you to have travel insurance, but some, like Spain, also strongly recommend it, especially for coverage beyond EHIC/GHIC.

It is worth noting that EHIC or GHIC covers only basic state healthcare. Travel insurance can cover medical repatriation, cancellations, missed departures, lost luggage, and emergencies not included under EHIC/GHIC.

Typical coverage includes emergency medical costs, cancellation, lost luggage, travel delays, and personal liability. Optional extras may include winter sports, cruise holidays or higher-risk adventure activities.

Most providers offer cover for declared pre-existing conditions, often after medical screening or declaration. Always disclose any medical conditions, including any changes in medical status, for all travellers to be covered by your policy to your insurer as soon as possible. This is to help ensure your cover remains valid when travelling.

Costs depend on trip duration, destination countries, age of travellers, medical conditions and optional extras. Short trips in Europe are typically less expensive than worldwide travel.

Yes, many insurers offer couple or family policies. Each traveler can be covered under one policy. Always remember to declare any medical conditions for all travellers to ensure your cover remains valid.

Yes, although purchasing insurance as soon as possible is recommended. Some benefits, such as trip cancellation cover, are limited if purchased after booking your trip.

Standard policies often exclude higher-risk activities. Optional winter sports or equivalent adventure cover can often be added to ensure protection during skiing, snowboarding, or other activities.