Europe travel insurance provides a safeguard, offering coverage from trip mishaps to medical emergencies, ensuring you are secure abroad. Understanding what travel insurance for Europe is and what it covers is key to making an informed decision about protecting your trip.
Quick Summary
- What Europe travel insurance is and the different types available
- The benefits of a Europe travel insurance plan
- How to purchase the right travel insurance for your European trip
What Is Europe Travel Insurance?
Europe travel insurance offers a variety of protection for foreign travelers to Europe. Depending on the type of travel insurance plan, these policies can cover trip cancellations, interruptions, delays, emergency medical expenses, lost baggage, and much more.
There are two types of travel insurance for Europe: trip insurance and travel medical insurance. Travelers can choose which plan meets their specific needs and concerns for their trip to Europe.
Trip Insurance for Europe
Trip insurance is a travel protection policy that can offer coverage for prepaid and nonrefundable expenses related to your travel plans.
Trip insurance coverage for Europe can include:
- Trip cancellation
- Trip delay
- Trip interruption
- Missed connection
- Rental car damage
- Accidental death & dismemberment
- Accident & sickness
- Lost baggage
- Emergency medical evacuation
Trip insurance can provide reimbursement if your trip is canceled, interrupted, or delayed for a covered reason as listed in your policy’s description of coverage. For example, if you get a serious case of the stomach flu a few days before your trip, your prepaid, nonrefundable expenses related to your trip are covered, provided you have a doctor’s note stating your inability to travel when you file your insurance claim.
A trip insurance policy is recommended for your trip to Europe, especially if you have made a large, nonrefundable investment for your travel plans.
Travel Medical Insurance for Europe
Travel health insurance for Europe is a type of travel policy that offers vital emergency medical coverage for those who are traveling outside of their home country.
Travel health insurance for Europe can cover:
- Hospitalization
- Surgery
- Urgent care visits
- Prescription medication
- Emergency medical evacuation
- Repatriation of remains
Travel medical insurance can offer coverage for emergency medical care sought abroad for unexpected illnesses or injuries that occur during your travels.
Do I Need Travel Insurance for Europe?
While travel insurance is mandatory for most individuals applying for a Schengen visa, there are many other countries, including the U.S., that do not mandate travel insurance for their citizens visiting a Schengen country.
However, travel insurance for Europe is highly recommended as it can offer key protection for travelers outside of their home country, especially for emergency medical situations.
Let’s imagine you're exploring Paris and catch a bad case of the flu that requires a doctor's visit and prescription medication. Without travel insurance, you'd have to pay the full cost of the medical consultation and medications out-of-pocket, which can be quite expensive in European countries. However, with travel insurance for Europe, these unexpected expenses would be covered, allowing you to focus on recovery rather than worrying about the financial burden of a mishap in a foreign country.
Without travel insurance, travelers in Europe will have to pay for medical care out-of-pocket. The cost of medical care in Europe can be expensive without insurance, so it is important to consider travel insurance as a safeguard in the event of an unforeseen illness or accident.
How Do I Get the Best Travel Insurance for Europe?
The best travel insurance plans for Europe can be purchased online in minutes through VisitorsCoverage.
Start your quote and enter in your travel details to compare plans and choose a policy that fits your needs.
The Best Travel Insurance Plan for Europe
Europe Travel Plus is an excellent international travel medical insurance plan designed for European travel that provides emergency medical coverage during your trip abroad.
After the deductible is met, this plan pays 100% of eligible medical expenses up to your policy maximum.
Other benefits of Europe Travel Plus include:
- Meets Schengen visa requirements
- Instant downloadable proof of insurance letter for Schenegen visa application
- Acute onset of pre-existing conditions coverage
- Emergency medical evacuation
- Trip interruption
- Lost luggage
- Lost or stolen passport
- Border entry protection
How Can I Buy Travel Insurance for Europe Online?
Travel insurance for a trip to Europe can be easy using VisitorsCoverage’s comparison tool VisitorsCoverage’s comparison tool. To effectively compare plans, first input your trip details into our comparison tool. You'll need to provide your destination, travel dates, the number of travelers and their ages, and your total prepaid, nonrefundable trip cost if you are looking for a trip insurance plan. After you submit this information, a variety of travel insurance plans will be displayed. You can then select the "Compare" box to view these plans side-by-side and make a better, informed decision.
Ready to protect your Europe trip? Our Customer Success Team is available to assist you with any questions or needs as you secure your travel insurance.
- Europe travel insurance offers protection for both trip disruptions and medical emergencies, with two main types: trip insurance and travel medical insurance.
- Travel medical insurance is highly recommended even for travelers who don't require a Schengen visa, since out-of-pocket medical costs in Europe can be expensive.
- Europe Travel Plus is one of the best travel insurance plans for Europe, as it provides 100% coverage of your eligible medical expenses once the deductible is met.
Frequently Asked Questions About Travel Insurance for Europe
Is it worth getting travel insurance for Europe?
Yes. Even if it's not required for you to secure travel insurance for your trip to Europe, a policy can protect you from unexpected costs in case of a medical emergency, flight disruptions, lost luggage, or trip cancellations.
Does my U.S. health insurance cover me in Europe?
Your U.S. health insurance may not fully cover you during your trip to Europe. Purchasing a travel medical insurance is essential for trips to Europe because it can protect you from potentially high out-of-pocket costs for emergency medical treatment overseas.
How much does travel insurance for Europe usually cost?
Travel insurance for a trip to Europe typically costs about 410% of your total prepaid, nonrefundable trip cost. The price of your travel insurance depends on many factors, including the destination and duration of your trip, the number of travelers and their age, and any optional add-ons. While it is an addition to your overall travel expenses, travel insurance is a safety net against significant financial setbacks if you experience a major change of plans.
How can I buy travel insurance for Europe online?
You can conveniently compare and purchase trusted plans from leading providers on marketplaces such as VisitorsCoverage. This allows you to understand the coverage and buy directly, all at your own pace.
How far in advance should I buy travel insurance for Europe?
If you are looking to add benefits like Cancel For Any Reason insurance or qualify for the pre-existing condition waiver, you should get your travel insurance within 14-21 days of your initial trip deposit to ensure you can get those benefits. Also, getting your insurance earlier provides a better window for trip cancellation coverage in case you need to cancel for a covered reason.
Does travel insurance cover me in multiple European countries on the same trip?
Yes, travel insurance can cover you while exploring multiple European countries. You can select any one of your planned destinations while purchasing a trip insurance plan. It is recommended to select the one you’ll spend the most time in. However, trip insurance covers all prepaid, non-refundable trip costs during the coverage dates, including those from different destinations.
