Travel insurance for Europe can be purchased two ways - as trip insurance or travel medical insurance.

If you are looking for travel insurance that satisfies the Schengen Visa requirement, you will need to opt for travel medical insurance since trip insurance tends to not cover the requirements for Schengen Visas.

Travel medical insurance is 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.

Travel medical insurance for Europe can cover expenses such as:

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

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.

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.

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

Do I need travel insurance for Europe?

While travel insurance is not always legally required, it is strongly recommended for all travelers to Europe. Even if it is optional, travel insurance provides crucial financial protection against medical emergencies and trip disruptions.

It’s also important to know that many hotels, tour groups, cruise lines, etc. are now making travel insurance a requirement for their guests and customers. So it’s good to explore your options, regardless of whether or not it's required for country entry. If you need any further assistance or want to understand how to find the best plan for you, our Customer Success Team is available to help you out.

Does my U.S. health insurance cover me in Europe?

No. Most U.S. health insurance plans offer limited or no coverage outside the United States. Medicare specifically does not cover overseas medical care. Even if your domestic plan offers some international coverage, it typically won't include crucial benefits like medical evacuation, which can cost $50,000 or more. Always verify coverage with your insurance provider before traveling abroad.

What happens if I get sick in Europe without travel insurance?

Without travel insurance, an unexpected illness or medical emergency during your trip to Europe can lead to substantial financial burdens. You would be held responsible for paying the costs of emergency medical services, including doctor visits, hospital stays, prescription medications, and emergency evacuation.

Can my entire family be on one Europe travel insurance policy?

Yes, you can include your spouse and dependent children on your travel insurance policy. In the online application, click on the “Add Traveler” button to include your immediate family members.

Does my credit card travel insurance cover Europe?

It might, however, while some premium credit cards offer travel insurance benefits, coverage is often limited compared to standalone travel insurance policies. Credit card coverage typically has lower benefit limits, particularly for medical expenses and evacuation. Additionally, such coverage usually only applies to travel expenses charged to that specific card. It is important to review your credit card's coverage details carefully before making a decision.

Does travel insurance cover rental car accidents in Europe?

Yes, travel insurance can cover your rental car in Europe with an optional add-on to your policy. Some policies may already cover rental cars without it being an add-on, but it is important to check your coverage and if your rental car can be covered.

I am traveling to multiple countries in Europe, which one do I put as my destination on the travel insurance application?

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. For example, if you spend two weeks in Italy and then one week in France, you should select Italy as your main destination for your trip insurance, and then France. Regardless, the policy will cover your prepaid, non-refundable expenses for both countries during your trip dates.