Benefits of European Travel Insurance

Benefits of European Travel Insurance

Traveling to Europe can be an exciting adventure as you immerse yourself in rich history and culture abroad.

However, with this excitement comes the need to be prepared for the unexpected, especially when traveling so far away from home.

European travel insurance can offer travelers a vital safeguard in the event of a serious injury or illness abroad.

While European travel insurance is an added investment to your trip, the benefits of European travel insurance far outweigh the cost and give you the ultimate peace of mind to enjoy your travels.

What Is European Travel Insurance?

European travel insurance is a form of short-term international health coverage that offers benefits for travelers when they leave their home country to visit Europe.

European travel insurance can cover emergency medical situations abroad such as emergency hospitalization, treatment for injuries or illnesses, emergency medical evacuation, lost luggage, and more.

Learn more about European travel insurance.

Is European Travel Insurance Required?

European travel insurance can be required, depending on your origin country and your destination country.

If you are required to obtain a Schengen visa to travel to your destination country in Europe, then you will be required to obtain travel insurance for Europe.

What Are the Benefits of European Travel Insurance?

European travel insurance has a multitude of benefits that can keep you protected during your trip. Here is a breakdown of some of the most standout benefits of travel insurance for Europe.

Coverage for Medical Expenses

Travel insurance for Europe can offer valuable health coverage for individuals. When traveling outside of one’s home country, your domestic health insurance plan likely won’t cover you. Europe travel insurance can provide coverage for emergency medical situations that occur during your trip, for things such as:

  • Hospitalization
  • Surgery
  • Physical therapy
  • Intensive care
  • Radiology/X-rays
  • Prescription drugs and medications
Travel insurance for Europe is designed to offer coverage for the above only for new and unexpected illnesses or injuries that occur during your travels and while your travel insurance policy is active.

Emergency Medical Evacuation & Ambulance

If you are very seriously injured or ill, you may need to take a local ambulance to a hospital or need emergency medical evacuation.

Many Europe travel insurance plans will offer some coverage for local ambulance rides up to the stated maximum amount in your policy’s benefit summary.

Additionally, most European travel insurance plans will provide coverage for emergency medical evacuation, which can include things like airlifting or other forms of emergency transportation if you need to quickly be transported to a facility that can properly care for you.

Without insurance, emergency medical evacuation is notoriously expensive, so this benefit is an extremely valuable aspect of Europe travel insurance.

Lost Luggage

If your luggage is lost during transit on your trip to Europe, travel insurance can help reimburse you for the cost of your luggage. 

Lost or Stolen Passport or Visa

If your passport or visa is lost or stolen while your policy is active, travel insurance can reimburse you up to the amount shown in your plan’s benefit summary for any expenses associated with getting a new passport or visa.

Border Entry Protection

If you are denied entry into the EU border due to issues with the ETIAS security database once you arrive in the EU, certain European travel insurance policies can offer coverage for a one-way economy class airline ticket back to your home country.

Accidental Death & Dismemberment (AD&D)

If you unexpectedly pass away or are seriously dismembered during your trip, travel insurance with the Accidental Death & Dismemberment benefit can offer coverage in the form of a lump sum payment to your beneficiary to help support your family during a difficult time.

Repatriation of Mortal Remains

If you pass away during your travels, travel insurance can provide coverage for the repatriation of mortal remains, or returning your remains back to your home country.

Some plans can also offer coverage for local burial or cremation up to the stated maximum in the plan’s benefit summary.

Acute Onset of Pre-existing Conditions Coverage

Select travel insurance plans for Europe may offer coverage for the acute onset of pre-existing conditions, which is the sudden and unexpected recurrence of a pre-existing condition. 

This benefit can be extremely valuable for those concerned about a dormant pre-existing condition or older travelers.

Fulfills Schengen Visa Requirements

Many travel insurance plans for Europe will also meet Schengen visa insurance requirements. Medical coverage is a requirement in order to get a Schengen visa.

What Is the Best Travel Insurance for Europe?

Europe Travel Plus is a highly recommended travel insurance plan for Europe that offers adequate coverage for emergency medical situations and also meets Schengen visa requirements.

Safeguard Your European Travels

European travel insurance is a valuable form of protection for all types of travelers who are planning a trip to Europe or the Schengen area.

Compare European travel insurance plans to find a policy that fits your needs or contact our Customer Success Team with any further questions.

Luna
VisitorsCoverage Support