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Europe Travel Insurance

Europe Travel Insurance

Europe Travel Insurance
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What is it?

Europe travel insurance offers coverage for unforeseen events and expenses while traveling within Europe.

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If you're planning a trip to Europe, it's important to consider getting travel insurance. Travel insurance provides coverage for various unforeseen circumstances that could occur during your trip, giving you peace of mind and financial protection.

What Is Europe Travel Insurance?

Travel insurance for Europe can offer various travel protections for your journey abroad, from emergency medical coverage to baggage loss reimbursement. Europe travel insurance can also satisfy Schengen visa travel insurance requirements.

While no traveler wants to think something will go amiss during their European travels, the value of having protection in the event of an unforeseen emergency or travel mishap is immeasurable.

Do I Need Travel Insurance for Europe?

While some European countries outside the Schengen Area may not require insurance, it's important to note that several countries within the Schengen Area do require additional visas and insurance coverage.

This requirement may even apply if you are only making a stopover in a Schengen country without disembarking from the plane. Therefore, it's wise to ensure you have adequate EU travel insurance regardless of your destination within Europe to avoid any unexpected financial burdens.

What Is the Schengen Area?

The EU is a political and economic union comprising 27 European countries. Member countries share common policies on various matters such as economy, security, migration, health, and the environment. It was established in 1958, initially consisting of Belgium, Germany, France, Italy, Luxembourg, and the Netherlands. Over time, several other countries joined, although the United Kingdom withdrew from the EU in 2020.

The Schengen Area facilitates the freedom of movement among individuals from countries that are part of this agreement. The Schengen Area involves countries with a unified visa policy, meaning that tourists who obtain a visa for one Schengen country can visit all other countries within the Schengen Area as well.

What Countries Are Not in the Schengen Area?

Currently, Ireland and Cyprus are not included in the Schengen area for Visa requirements and the EU members Bulgaria and Romania only apply some of the Schengen provisions, but if you have a valid Schengen visa, you can still enter and visit these countries without a visa.

What Does European Travel Insurance Cover?

European travel insurance can be purchased two ways - as trip insurance or travel medical insurance.

Health Insurance for Europe Trip

Travel insurance Europe is a type of travel medical insurance specifically designed for European or international travel. This coverage ensures that you receive medical attention and assistance if you experience any health issues or accidents while traveling. It can also satisfy Schengen visa travel insurance requirements.

Europe travel insurance can cover expenses such as:

  • Doctor visits
  • Hospital stays
  • Medications
  • Emergency medical evacuations

Having a European travel insurance plan is especially crucial if your regular health insurance does not provide coverage outside of your home country., which most do not.

Trip Insurance for Europe Travel

Another aspect to consider is trip insurance, which offers protection against trip-related issues such as trip cancellation or interruption.

Life is unpredictable, and circumstances like illness, injury, or unforeseen emergencies can force you to cancel or cut short your trip. Trip insurance, which is only available for U.S. residents to purchase, may reimburse you for non-refundable expenses like flights, accommodation, and tour costs. Make sure to carefully review the policy to understand the specific circumstances covered.

Trip insurance offers several benefits when traveling to Europe. It can provide coverage for:

  • Trip cancellation or interruption
  • Reimbursing non-refundable expenses if unforeseen circumstances force you to cancel or cut short your trip
  • Emergency medical expenses
  • Emergency medical evacuations
  • Repatriation of remains
  • Travel delays
  • Baggage loss or delay
  • Emergency assistance services

Trip insurance can also offer benefits for common travel inconveniences. For instance, flight delays or cancellations can disrupt your itinerary and result in additional expenses. Trip insurance can provide compensation for these unexpected costs, such as meals, accommodations, or alternative transportation arrangements.

The benefits of trip insurance may ensure you have financial protection and support throughout your European journey.

Cancel For Any Reason Insurance for Europe

You may want to explore Cancel For Any Reason (CFAR) if you want extra flexibility and coverage. CFAR coverage is additional coverage that you can opt to add on to your plan for a higher premium.

CFAR allows you to cancel your European trip for any reason at all, even those reasons which are not covered by standard trip insurance policies. Keep in mind that CFAR coverage typically requires you to meet certain eligibility criteria and may only reimburse a portion of your trip expenses.

How Much Is Travel Insurance to Europe?

The cost of travel health insurance for Europe will depend upon a number of factors. The destination, your age, the length of your trip, deductible amount, policy maximum, and certain benefits will determine the cost of your European travel insurance.

There are plenty of plans available, some more affordable and some more comprehensive in coverage to choose from. By comparing your options, you can find the best travel insurance for Europe that fits both your budget and needs to keep you protected abroad.

How Much Travel Insurance Do I Need for Europe?

When deciding on an amount of coverage, it’s important to consider your individual situation. Various countries in Europe have very expensive healthcare, such as Germany or Norway, so choose your policy wisely when traveling to countries with expensive medical costs.

The higher policy maximum you have, the better you’ll be protected in any unexpected emergency. You may also want to pay attention to the benefits offered - for example, you may want to find a plan that offers coverage for pre-existing conditions if that is a worry of yours.

Compare Europe Travel Insurance

Before purchasing travel insurance for a Europe trip, whether travel medical or trip insurance, carefully review the policy details, including coverage limits, exclusions, and any pre-existing conditions that might affect your coverage. Compare different insurance providers to find a plan that suits your specific needs and budget.

Remember, while EU travel insurance cannot prevent unexpected events from happening, it can provide valuable financial protection and peace of mind during your European adventure.

See What Customers Have to Say

VisitorsCoverage let me get it done very painlessly and immediately sent all the documents including IDs by email. It was so great!


Website was easy to navigate, and contained a lot of information so I could make an informed decision. Also I thought the rates were very reasonable considering the peace of mind the policy will give me.


Very straightforward process, website navigation was excellent as well and can’t beat the price. Thanks!!


Very easy to compare between options and choose from. Was able to complete the purchase in 10 minutes.


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Europe Travel Insurance FAQs

We’ve got you covered.

At VisitorsCoverage, you can easily compare Schengen Visa Insurance plans and buy them online, quickly and without excessive paperwork. Schengen Visa Insurance plans can help protect you from unforeseen circumstances and let you travel with peace of mind.

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Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.