travel insurance for european residents

Travel insurance for Europeans / EU residents

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Travel Insurance for Europe: 4 Best Options for 2024

Allianz Travel Insurance »

Travelex Insurance Services »

Generali Global Assistance »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Europe.

Table of Contents

• Allianz Travel Insurance
• Travelex Insurance Services

You almost certainly will want travel insurance for Europe, mostly because the high cost for international trips is worth protecting against travel delays and trip cancellations. Since your U.S. medical coverage will not apply overseas, you also need international health insurance that covers surprise medical expenses and medical evacuation.

If you're searching for the best Europe travel insurance that money can buy, consider the following plans and all they have to offer.

Frequently Asked Questions

Most people need travel health insurance at a bare minimum when traveling to European destinations like France, Italy or Switzerland, as well as additional countries inside and outside of the Schengen area. After all, U.S. health insurance plans do not provide coverage for medical emergencies overseas, and the same is true for government health plans like Medicare. Check out our article on whether your health insurance covers international travel .

Other benefits built into Europe travel insurance plans can also protect the money that's been spent on airfare, hotel stays, Europe cruises and tours. For example, travelers can benefit from having coverage for trip cancellation, trip delays, lost or delayed baggage, and more.

Every travel insurance policy is unique, so you'll want to read over individual travel insurance plans to see what they protect against. That said, the bulk of travel insurance plans for trips to Europe provide the following coverages:

• Trip cancellation
• Trip interruption
• Travel delays
• Lost luggage reimbursement
• Baggage delay coverage
• Medical expenses
• Emergency medical evacuation
• Rental car damage

Some travel insurance plans also offer additional or optional coverage for sports equipment or sports equipment delays, missed connections, accidental death and dismemberment (AD&D), adventure sports and more.

Some visitors to countries in the Schengen area are required to have a visa for short stays that can last for up to 90 days within a timeline of up to 180 days. However, this is not the case for American citizens, who can stay in Europe for up to 90 days at a time without meeting specific visa requirements.

The U.S. Department of State also notes that American citizens who want to stay in Europe for more than 90 days should reach out to the country they plan on visiting to inquire about their visa process.

If you live in a country that requires a Schengen visa, you are required to purchase Schengen visa insurance that pays for overseas medical expenses. This coverage must provide at least 30,000 euros in protection against medical expenses that result from hospitalization, emergency treatment and repatriation of remains in the case of accident or death.

• Allianz Travel Insurance: Best Overall
• Travelex Insurance Services: Best Cost
• Generali Global Assistance: Best for Medical Emergencies
• WorldTrips: Best for Groups

Optional cancel for any reason (CFAR) and preexisting medical conditions coverage available

Kids 17 and younger covered for free

Lower coverage amount for medical expenses than some providers

• $100,000 per traveler in coverage for trip cancellation
• $150,000 per traveler in coverage for trip interruptions
• $500 in coverage for eligible trip changes
• $50,000 in emergency medical coverage
• $500,000 for emergency medical transportation
• $1,000 toward baggage loss or damage
• $300 in coverage for baggage delays of 12 hours or more
• $800 in protection for travel delays (daily limit of $200 applies)
• $100 per insured person per day in SmartBenefits coverage for eligible delays
• 24-hour hotline assistance
• Concierge services

Optional CFAR and preexisting medical conditions coverages available

Kids 17 and younger are covered for free

Many coverages cost extra

• 100% of trip cost for trip cancellation (up to $50,000)
• 150% of trip cost for trip interruption (up to $75,000)
• $2,000 in coverage for trip delays of five hours or longer
• $750 in coverage for missed connections
• $50,000 in coverage for emergency medical expenses ($500 dental sublimit included)
• $500,000 in coverage for emergency medical evacuation and repatriation
• $1,000 in coverage for baggage and personal effects
• $200 for baggage delays of 12 hours or longer
• $200 for sporting equipment delays of 24 hours or longer
• $25,000 for accidental death and dismemberment coverage
• 24/7 travel assistance
• 100% of the insured trip cost for financial default of a travel provider (maximum of $50,000)
• Trip cancellation and interruption coverage for preexisting medical conditions (maximum of $50,000)
• Cancel for work reasons coverage
• CFAR insurance
• Car rental coverage worth up to $35,000
• $50,000 in additional emergency medical coverage
• $500,000 in additional coverage for emergency medical evacuation and repatriation
• Adventure sports exclusions waiver
• $200,000 in coverage for flight accidental death and dismemberment

CFAR and preexisting medical conditions coverages available

High coverage limits for medical expenses and evacuation

CFAR coverage only reimburses at 60%

• $1,000,000 coverage limit for emergency medical evacuation and transportation
• $250,000 coverage limit for medical expenses ($500 limit for dental emergencies)
• 100% of trip cost for trip cancellation
• 175% of trip cost for trip interruption
• $1,000 per person for travel delays ($300 per person daily limit applies)
• $2,000 per person in coverage for baggage and $500 for baggage delays
• $2,000 per person in coverage for sporting equipment and $500 for sporting equipment delays
• $1,000 per person in coverage for missed connections
• Air flight accident AD&D coverage worth $100,000 per person and $200,000 per plan
• Travel accident AD&D coverage worth $50,000 per person and $100,000 per plan
• $25,000 in coverage for rental cars
• 24-hour travel support

Discounts for groups of five or more

Potential for high coverage limits for medical expenses

No coverage for trip cancellation

Available coverage limits vary by age

• $5,000 for local burial or cremation
• Up to $25,000 in AD&D coverage
• $100,000 in coverage for emergency reunions
• $10,000 in coverage for trip interruption
• $1,000 for lost checked luggage
• $100 in coverage for lost or stolen passports or visas
• $100 in coverage per day for travel delays of at least 12 hours (two days of coverage maximum)
• Up to $25,000 in personal liability coverage

Why Trust U.S. News Travel

Holly Johnson is a travel writer who has created content about travel insurance, family travel, cruises, all-inclusive resorts and more for over a decade. She has visited more than 50 countries around the world and has an annual travel insurance plan of her own. Johnson also has experience navigating the claims process for travel insurance plans and has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson works with her husband, Greg, who is licensed to sell travel insurance and owns the travel agency Travel Blue Book .

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GET A QUOTE

Europe travel insurance for Schengen visa

From  €33 / week

• Up to  100,000  € coverage  in medical expenses
• Repatriation
• Teleconsultation 24/7
• 24H assistance
• Up to  180 days of coverage
• All Schengen, E.U countries and the U.K.
• Certificate issued immediately and approved by the embassies 

Europe Travel, the travel insurance for Europe

AXA’s Europe Travel insurance offers extensive protection, covering medical expenses up to €100,000 in the following European countries: Austria, Belgium, Croatia, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, as well as the United Kingdom , Bulgaria, Cyprus, Ireland, Romania, San Marino, Andorra, Monaco and the Vatican .

It also allows you to obtain the travel insurance certificate required with your Schengen Visa application .

Europe Travel insurance: 

• guarantees a coverage of up to €  100,000  (about US$ 111,000)
• covers travellers for up to 180 days
• bears the expenses linked to emergency medical care**, hospitalisation**, sanitary repatriation** or death**
• offers the refund of your subscribed travel insurance if your  Schengen visa application  is denied (under certain conditions)
• no age restriction, 0 deductible

Do you cover emergency medical costs related to Coronavirus? 

We will  cover your medical costs related to Coronavirus  provided you haven't travelled against  World Health Organisation 's advice, medical advice, or any other government body’s advice in your home country or the country you are travelling to. Emergency and additional travel costs are also covered providing you have stuck to this advice.

Do I need an insurance certificate with Covid protection? 

All issued electronic certificates purchased on the axa-schengen site include this disclaimer: “ Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy ”.

Travel insurance for the European Union and the Schengen area

If you wish to travel to Europe  and you do not yet know the details of your itinerary, our  AXA Europe Travel  insurance is the best choice for you as it will give you the possibility to continue your journey if you decide to visit  Ireland  or the U.K. for example. 

Visit this page to discover all our  Schengen visa Insurance warranties . 

Will AXA Schengen travel insurance be accepted with my visa application?

Yes ! For over 10 years AXA has been delivering insurance certificates which meet EU countries’ requirements to obtain a Schengen visa.

Is the digital travel insurance certificate valid to submit my visa application? 

Yes. All you have to do is print it and enclose it with your visa application file. Each AXA Schengen insurance policy is individualized and bears a number that is verifiable on our website.

I don’t need a Schengen visa to visit Europe. Can I still purchase your insurance to cover my possible health expenses?

As the saying goes " Better safe than sorry ". If the Schengen travel insurance is not mandatory for some travelers, the troubles they might face are still very real. A broken wrist or nasty infection can happen to anyone! We thus strongly recommend that you subscribe to our insurance for travelers visiting Europe to make sure your trip is as safe and peaceful as possible.

How much does Europe Travel, AXA Schengen visa travel insurance cost?

Great news ! Our travel insurance which will allow you to enjoy a peaceful  visit to Europe  is cheap. For a one week stay, it starts at €33 ($36). 

How many days will I be covered by my travel insurance?

Europe Travel insurance covers travellers for up to  180 days (around 6 months).

The Schengen Europe travel insurance, an extensive coverage

You are not quite sure of your European itinerary but you need to be  covered everywhere , wherever your travels take you for business or pleasure ? AXA Europe Travel is the Europe visa insurance you need to stay anywhere in the Schengen area as well as in any country of the European Union. 

After subscribing to your Europe Travel insurance on line, you will  receive a certificate by email . You must enclose it with your Schengen visa application: it  meets all the requirements  of the countries of the Schengen area.

It offers the basic warranties required for your medical and repatriation expense coverage. If you do not provide this travel insurance certificate, your application will not be examined and your visa request will be denied. 

Warranties of Europe Travel, AXA’s travel insurance for Europe 

Europe Travel also offers 4 essential advantages: 

• Immediate coverage. Your insurance covers you from the first day you need it.
• No age restriction
• No price variation because of nationality or age
• No health questionnaire

If your Schengen visa application is  denied , you can ask for your Europe Travel insurance to be refunded. 

** Before paying any medical expenses, travellers must first contact AXA Assistance medical service. 

This insurance does not cover the country of residence

Ready to subscribe?

Features at Glance

U.K., Schengen, U.E. countries 

AXA #1 Global Insurance Brand

Extended protection  

Meets all visas requirements from the European regulation

Medical expenses covered up to 100.000€

Assistance 24 / 7 - Emergency helpline

Cover details

See the Insurance Product sheet and our Terms & Conditions for full details. Please read these before signing the contract. Schengen Low Cost Travel Insurance is developed by Inter Partner Assistance SA, an insurance company governed by Belgian law.  

Visit our Low Cost insurance page and our Schengen insurance for 1 year page to see the full benefits offered by AXA Schengen.

***This insurance does not cover the country of residence

Get Schengen insurance

Copyright AXA Assistance 2023 © AXA Assistance is represented by INTER PARTNER ASSISTANCE SA/NV, a public limited liability company governed by Belgian law with registered office at Regentlaan 7, 1000 Brussel, Belgium – Insurance company authorized by the National Bank of Belgium under number 0487 and registered with the Crossroads Bank for Enterprises under number 0415 591 055 – RPR Brussels- VAT BE0415 591 055

AXA Travel Insurance Global | AXA Assicurazione Viaggio | AXA Assurance Voyage | AXA Seguros y asistencia en viajes | AXA Seguro de viagem

EU Annual Multi-trip Travel Insurance

If you are a frequent traveller, our EU Annual Insurance can cover any number of trips.

• Covers travellers aged up to 74yrs
• Business travel cover available
• Choose European or Worldwide options
• Many sports, including Skiing, covered
• Great value family policies!

EU Single Trip Travel Insurance

Whether taking a short break, a family holiday, or travelling on business, our EU Single Trip Insurance can cover trips from 1-94 days.

• Holiday insurance for all destinations
• Kids go free on family policies!

EU Longstay Travel Insurance

If you are travelling for a long period, whether backpacking or on an extended visit to one place,our EU Longstay Insurance can cover trips from 3-18 months.

• For backpackers and long-term travellers
• Covers casual work plus many sports.

Wintersports Travel Insurance

Don't hit the slopes without the right cover! Our EU Wintersports Travel Insurance covers your equipment, ski pack etc so you can ski with peace of mind.

• Ski & Snowboard cover for all destinations
• Inc. off-piste, heli-skiing, parapenting etc.
• Kids go free on family policies

Travel Insurance for EU residents

• Sports & Activities
• Many activities automatically covered by our insurance.
• Adventure sports can be added.
• Flexible cover for casual or competitive participation.

Already Travelling? Need Cover?

Get a quick holiday insurance quote : Click to buy online today : Receive instant emailed cover

• Product Information
• Medical Conditions

• Worldwide Travel Insurance, a specialist in travel insurance and related products, has over 20yrs experience in offering high quality cover at great prices.
• All policies purchased online are emailed immediately - ideal for last-minute bookings.
• Cooling-off Period: You have 14 days following receipt of your documents during which you can obtain a full refund if you have not travelled and no claim has arisen.

A wide range of Insurance Policies to suit your individual needs

Our policies include:, your security with worldwide travel insurance:.

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• 1353 699082
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Expat Travel Insurance

• Travel Insurance Policies
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• Policy for Expats
• Aussies, Kiwis & Saffas
• Globelink Blog
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• Superior COVID cover for free
• Free Cruise cover as standard
• No formal residential documents needed
• Available for all EU and EEA residents
• 24/7 emergency assistance
• Geographical limits

What is expat travel insurance?

Travel Insurance for expats provides cover for expatriates residing anywhere within the European Union. EU resident aged up 89 years and their dependents are eligible for a policy. If you live in the the EU, you know how difficult it is to find the best expat travel insurance, providing good, reasonably priced travel insurance cover. Well, that's changed now, and there's no need to look further.

Globelink have designed a quality expat travel insurance policy and you will get your travel insurance documents and Emergency Assistance Card immediately after purchase via email. The policy is in English and the premiums do not depend on the country you live in, the pricing is the same wherever you are based in the EU. Formal residential documents are not necessary to obtain expatriate travel insurance from Globelink International. What's more, unlike some of our competitors, you dont need to pay extra if you are panning a cruise trip. Plus you get COVID cover for free, and 20% off of any UK based COVID tests. This insurance is only available to persons who are currently legally resident in the European Union or European Economic Area (EEA) and registered with a medical practitioner or entitled to free public healthcare under reciprocal arrangements currently in place in the European Union or EEA.

The cheapest single trip policy is € based on 1 adult aged up to 50 travelling in Europe (for up to 5 days).

Expat travel insurance key benefits

• Available for any persons aged up to 89 years
• Cover for over 50 Pre-Existing medical conditions is included as standard.
• Annual Multi Trip policies cover for an unlimited number of trips, you can choose cover for Worldwide or Europe only, available for people aged up to 79 years
• Single Trip policies are available for people aged up to 89 for both European and Worldwide trips
• Adventure activities cover is included as standard, and many higher risk activities be included for an extra charge

Attention! The European Health Insurance Card (EHIC) / Global Health Insurance Card (GHIC) provides some emergency healthcare within the EU, but it does not cover Repatriation costs, or a doctor or nurse escort home; nor lost or stolen property. You need Travel Insurance for that.

Our range of policies has been specially selected to provide a sensible level of cover at reasonable cost. Whether you are working in Europe, or retired, or travelling on a gap year, we can get you covered. Single trip cover is available for return tips of periods from 1 day up to 15 months. Annual Multi Trip Policies giving maximum individual trip duration of 17, 31, 45, 60, 90 or 120 days are available (age depending).

• Travel Insurance for Spanish Residents
• Travel Insurance for Italian Residents
• Travel Insurance for French Residents
• Travel Insurance for Greek Residents
• Travel Insurance for Portuguese Residents

Globelink offers travel insurance policy options and extensions to meet the unique requirements of Expat travellers from every EU country.

Get Expat travel insurance now! No formal residential documents needed.

If you have not found a policy for your specific needs, please do not hesitate to contact our team of experienced underwriters by telephone or e-mail and we will definitely do our best to find a solution.

The numbers are 00 44 1353 699 082 (All countries) or 966 265 000 or 951 242 434 (Spain). Other countries: 240 30337 (Cyprus); 308 801 864 (Portugal); 0550 620 223 (Italy); 975 170 115 (France).

Annual Multi-Trip Travel Insurance

Travelling more than once a year? Take as many holidays as you wish and be covered all year long! 17 days Winter Sports Cover FREE if you take out the 45 days policy.

Designed for most Individuals, Couples or Families who undertake several trips of up to 120 days within a 12 months period. For people aged up to 79 years!

• Cancellation or Curtailment - up to €6,000 in total
• Emergency Medical Expenses - up to €10,000,000 in total
• Baggage - up to €3,000 in total

Backpacker Travel Insurance

Career breaker? Globetrekker? Globelink Insurance offer the budget solution for long stay journeys.

Aimed at under 51 years old backpackers on a tight budget up to a maximum of 18 months. Most adventure sports covered for free.

• Cancellation or Curtailment - up to €2,000 in total
• Emergency Medical Expenses - up to €5,000,000 in total
• Baggage - up to €1,000 in total

Already Travelling Policy

Forgotten to take cover? Travel insurance has run out? No worries! Globelink will still get you covered!

Get cover online immediately with Globelink. You don\'t need to be in your home country, you can buy a policy from anywhere in the world even after you?ve started your trip. As long as your usual place of residence is in the UK or EU.

Single Trip Travel Insurance

Single Trip Travel Insurance is designed for people aged up to 89 travelling independently or on a package holiday with a maximum trip duration of up to 15 months.

Frequently Asked Questions

What is expatriate insurance.

Expatriate insurance is designed for people who are currently legally resident in the European Union or European Economic Area (EEA) and registered with a medical practitioner or entitled to free public healthcare under reciprocal arrangements currently in place in the European Union or EEA.

How much does Expatriate health insurance cost?

It depends on the type of policy, trip duration, where you are travelling and your age. The cheapest expatriate travel insurance costs € (based on 1 adult aged up to 50 travelling in Europe for up to 5 days).

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Still have questions?

Travel insurance.

Please read your Policy Wording carefully to ensure that it meets with your precise requirements. View and download the relevant Policy Wording* from the links below. If you purchased a Globelink policy previously while you were a UK RESIDENT, or you need to view the Policy Wording we issue to UK Residents, please click here to visit our Globelink UK site.

*If you purchased your Travel Insurance policy prior to 1st October 2020, you can view your policy wording by reviewing your Globelink Travel Insurance Purchase email, or obtain a copy by contacting [email protected] with your name and address details.

*if you purchased a HOME / DOMESTIC / STAYCATION Policy please see the *last PDF at the bottom of this page – for this Policy Wording

Policy Wording for Policies issued to EU residents (living outside the UK) from from 29th November onwards .

Policy wording for policies issued to eu residents (living outside the uk) from 1st november 2023 to 28th november ., policy wording for policies issued to eu residents (living outside the uk) from 20th march 2023 to 31st october 2023 ., policy wording for policies issued to eu residents (living outside the uk) from 1st october 2022 to 19th march 2023 ., policy wording for policies issued to eu residents (living outside the uk) from 1st jun 2022 to 30th september ., policy wording for policies issued to eu residents (living outside the uk) from 1st feb 2022 to 31st may 2022., policy wording for policies issued to eu residents (living outside the uk) from 1st nov 2021 to 31st january 2022, policy wording for policies issued to eu residents (living outside the uk) from 30th dec 2020 to 31st october 2021, policy wording for policies issued to eu residents (living outside the uk) from 29th oct - 30th dec 2020, policy wording for policies issued to eu residents (living outside the uk) between 1st oct - 28th oct 2020.

For reliable Travel Insurance, simply complete 5 quick & easy steps. Pay with your Visa, MasterCard, or PayPal and receive your policy documents by email in seconds.

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What is Travel Insurance for EU Residents?

Our entire range of policies are available to people who are legally resident in the UK, European Union and European Economic Area Countries and registered with a medical practitioner or entitled to free public healthcare under reciprocal arrangements currently in place across the UK, EU, EEA. Prices start, from £ , so if you are currently living in the UK or another European Union country, you can buy a policy.

• Cancellation or Curtailment
• Emergency Medical & Other Expenses
• Hospital Confinement Benefit
• Missed Departure 

What countries are covered

Globelink Travel Insurance covers people resident in these countries:

• Channel Islands
• Cyprus (excluding Northern Cyprus)
• Czech Republic
• Isle of Man
• Italy (inc. San Marino)
• Liechtenstein
• Netherlands
• Spain (exc. Andorra)
• United Kingdom

All our policies include cruise cover and repatriation back to your home country as standard. Prices start, from £ , so if you are currently living in the UK or another European Union country, you can buy a policy. To get a quote, first compare travel insurance policies and choose the most appropriate for you.

You need to select whether you are only traveling within Europe during your trip (then select 'Europe' in the destination drop down menu), or if you plan to travel to other non-European countries (then please select 'WorldWide').

Next, select the start date of your trip and the duration of your travel insurance. Remember that the duration of your trip must include the departure date from your country of residence within the EU and your arrival date back to your home country within the European Union plus Iceland, Liechtenstein and Norway. If you wish to undertake several trips within a 12 month period then "Annual Multi Trip" for the type of trip.

Regular Single Trip Insurance

Regular stay policy is best if you only take one holiday or are only travelling to one destination.

Globelink Regular Stay policy is designed for UK, EU and EEA residents including residents of Iceland, Liechtenstein and Norway aged up to 84 years travelling independently or on a package holiday with a trip duration with a maximum duration of up to 60 days.

• Cancellation or Curtailment - up to £2,000 in total
• Emergency Medical Expenses - up to £5,000,000 in total
• Baggage - up to £1,000 in total (you can increase the single article limit via the Extras)

Economy Single Trip Insurance

The most cost effective policy for budget travellers.

This policy is designed for UK, EU and EEA residents including residents of Iceland, Liechtenstein and Norway aged up to 84 years travelling independently or on a package holiday with a trip duration ranging from 1 to 60 days.

• Baggage - Nil

Comprehensive Single Trip Insurance

Offers the most benefits and extra options for trips up to 15 months.

The best value for money. Policy can be extended to a maximum for 18 months.

• Cancellation or Curtailment - up to £6,000 in total
• Emergency Medical Expenses - up to £10,000,000 in total
• Baggage - up to £3,000 in total

Annual Multi-Trip Travel Insurance

Travelling more than once a year? Take as many holidays as you wish and be covered all year long! 17 days Winter Sports Cover FREE if you take out the 45 days policy.

Designed for most Individuals, Couples or Families who undertake several trips of up to 120 days within a 12 months period. For people aged up to 79 years!

• Cancellation or Curtailment - up to £6,000 in total
• Emergency Medical Expenses - up to £10,000,000 in total
• Baggage - up to £3,000 in total

Backpacker Travel Insurance

Career breaker? Globetrekker? Globelink Insurance offer the budget solution for long stay journeys.

Aimed at under 51 years old backpackers on a tight budget up to a maximum of 18 months. Most adventure sports covered for free.

• Cancellation or Curtailment - up to £2,000 in total
• Emergency Medical Expenses - up to £5,000,000 in total
• Baggage - up to £1,000 in total

Seniors Travel Insurance

Travel the world regardless of your age. It is safe and easy with Globelink Travel Insurance.

Single Trip Travel Insurance for people aged up to 89 years and Annual Multi Trip Travel Insurance for people aged up to 79.

Why Choose Globelink

Available for eu and uk residents.

You can buy a Globelink Travel Insurance policy wherever you live within the UK/EU or EEA

Pre-existing medical conditions

Wide range of pre-existing medical conditions covered as standard for free.

Kids travel for free with family

Annual policies cover your children under 18 years to travel with you at no extra cost.

Available for age groups up to 89

Single trip policies are designed for up to 89 years old travellers. Annual policies are available for people aged up to 79.

Cruise Cover included as standard

We know you love cruising, so it is covered as standard on all policies.

100+ Sports & Activities covered

Globelink now covers more adventure activities than ever before.

Why Our Customers Love Us?

Average rating 4.5 / 5, from over 2323 reviews, 93% of our Customers rate their customer experience as Excellent or Great!

We have used Globelink for all our travels over the last 20 years. The website is easy to use & the cover excellent. Luckily we have never had to claim so am unable to comment on this.

Easy to manage web site. Queries always dealt with promptly. Have always used them.

seached the websites over again and again but globeelink were the most compettive and secuer with all my needs

Seems like a well featured policy. Easy to get quotes and buy. 2nd time we\'ve used them for trips away from Europe.

Very impressed with the simplicity and ease of use of the website. The price was also competitive and had my policy instantly after payment. Thank you Globelink I will definitely be a returning customer.

Everyone is helpful and answers quickly. I have not asked them for a refund, though, so my experience is based on my interactions with them through the telephone and via email.

Excellent company to deal with. The facility to exclude pre-existing conditions is very welcome, and the price is very good. The web site is easy to use and this is by far the easiest travel insurance to arrange that we\'ve ever had. Also great that when you phone, a real peson answers the phone and quickly! Fortunately, I\'ve never had to make a claim, so I\'ve left one star as I don\'t know what it would be like to make one, but I have absolutely no complaints to date.

Good cover at a good price. Relevant to us as we are overseas residents. Easy to purchase and helpful when I had a query.

Excellent company.Their staff are so helpful and courteous.The cover they provide is just what we need at a very affordable price. All round a pleasure to deal with and we would recommend them.

Returning customer to Globelink. Great customer service and simple easy buying process.

Would recommend I’ve used Globelink a few times now and always had a positive experience, will be using them again in future :)

Renewal simple and easy at a very competitive price.

This review relates only to the website and buying process. The website is really well done and simple to use, with a clear pricing policy so in theory you know what cover you are paying for. ( having not had to claim I can\'t comment on anything else)

Frequently Asked Questions

What is europe travel insurance.

Europe travel insurance covers medical and other travel mishaps that could occur during your trip around Europe.

How does travel insurance work in Europe?

If you need emergency medical assistance while you are on your trip in Europe, there’s a 24/7 Emergency Assistance Service to call, or if you need to claim before you go because you cant travel, or when you get home, get in touch with the Claims Service. See our Make a Claim page.

How to get travel insurance for Europe?

To get travel insurance for Europe you need to select that area of travel: Europe inc. Egypt & Morocco in the travel insurance quotation wizard.

Why do i need travel insurance for Europe?

You need travel insurance to have peace of mind in case you need medical emergency assistance or any mishaps occuring while you're travelling. Reciprocal Health Agreements don't cover all your costs and won't cover repatriation.

How much is travel insurance to Europe?

Travel insurance to Europe price depends on what policy you get, how long you are planning to travel, and what your age is. Prices start from £ .

What countries are included in Europe travel insurance?

The UK, European Union and European Economic Area countries are included.

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Get Your Schengen Insurance

• Hospitalisation expenses up to 30,000€
• Assistance in the event of illness/injury and death
• Coverage in the Schengen area

Extend Your Coverage

• Hospitalisation expenses up to 60,000€
• Assistance in the event of illness/injury and death
• Coverage in the Schengen area + European Union
• Return/relocation and lodging expenses of a companion

Before traveling, please check the guidelines provided by the World Health Organization, the European Union and your local government. Important restrictions are applied to the Schengen Area and visas are likely to be limited to specific travels only. Our travel insurance policies are made to protect you against unforeseeable events, such as sudden illnesses or accidental bodily injuries. We remind you that epidemics and/or infectious diseases such as CoVid 19 are excluded from our policies.

Schengen travel insurance

Europ Assistance makes it easy for you to select and purchase your travel insurance online. Your insurance will be ready in a matter of minutes and our insurance certificates are recognized by embassies, consulates and visa centers around the world , which helps you acquire a Schengen visa for your next trip to Europe. You will immediately receive the certificate and you will be able to download it at any time in any of our six languages : English, French, Spanish, German, Russian or Chinese.

Which countries are in the Schengen area?

The Schengen area is made up of 26 countries (and 3 microstates) where travelers and residents can move freely from state to state without a passport, as there is no longer common border control between Schengen states. Travel insurance is highly suggested for all travelers, and for most countries is mandatory , as it is needed to obtain the visa to enter the Schengen area. You can obtain your visa application form from the country you plan to enter through first or the one you plan to spend the most time in. ​

The leading Schengen travel insurance provider

When you choose Europ Assistance as your Schengen visa travel insurance provider, you also get the support and expertise of 750,000 partners . If something goes wrong, not only will your medical expenses be properly reimbursed, but you will also get help from competent medical professionals at qualified medical centers, no matter where you are. During stressful situations or emergencies abroad, communicating in your native language can be a source of comfort. When such a situation occurs, you can trust that Europ Assistance will be there to help you 24/7 .

If you wish to subscribe for more than 20 people, please contact us

Travel dates

• Country of residence All travellers are from the same country of residence : Yes No

A Schengen visa is not required for your trip, however, you should still consider purchasing travel insurance. You can travel with peace of mind and are covered throughout the European Union with our Schengen Plus cover.

• Hospitalisation expenses up to  60,000€
• Coverage in the Schengen area +  European Union

Europesure Travel Insurance

Available to residents of the European Union (EU), the European Economic Area (EEA), United Kingdom, Gibraltar and Monaco.

• Up to 180 Days*
• Available for up to age 79
• Discounts for Couples & Families
• Optional Covers available – all policies
• Covid Cover available as an option

Annual Multi-Trip Travel Insurance

• 3 levels of cover
• Available up to age 79
• Choice of 17, 32, 45, 90* days trip length
• Discounts for couples and families

Single Trip Travel Insurance

• Up to 180 days cover*

*Certain Restrictions apply

Call us: +44 1277 637585

[email protected]

Flexible Cover

View basic cover and options available

Cover up to age 79

See what we cover

24 Emergency Assistance

Help when you need it

Covid Cover

Find out more about the Optional Covid cover by clicking here

view all cover benefits

Discounted Prices

we offer discounts for couples and families

Optional covers

Winter Sports, Business Travel, Golf Equipment, One way trip, Terrorism Disruption, Sports and Cycle equipment, Gadget cover, Wedding cover, Covid cover, Car Hire Excess waiver.

Travel for longer periods

Up to 180 days cover (some age restrictions)

Already Travelled Cover

(Some age restrictions)

Up to 90 days cover (some age restrictions)

Optional Covers

Need to add extra cover options?

Winter Sports

Business cover, sports equipment, gadget cover, terrorism disruption, wedding cover, one way trip extension, care hire excess, cover limits and benefits.

The Best Travel Health Insurance Companies for Europe

If you’re traveling to Europe this summer, you will definitely want travel insurance to supplement your trip in case anything goes wrong. These are six of the best travel insurance companies for coverage in Europe.

Photo: Pexels.com

When you’re planning a trip to Europe, half of the fun is working out the details of your itinerary, creating a bucket list of attractions to visit, and mapping out the route you want to take.

It’s easy to forget about the finer details, like travel insurance.

That’s just human nature. Who wants to think about the bad stuff when there’s so much to look forward to?

Travel insurance gives you peace of mind while you’re exploring. It doesn’t matter if you’re planning a relaxing wine tour through Italy or a more adventurous jaunt through Switzerland – being insured means you’ll come home with only awesome memories and not outrageous medical bills.

But there are different types of travel insurance for Europe and the Schengen zone. Here’s how to pick the best one for your needs.

Why You Need Travel Insurance for Europe

So why do you even need travel insurance for Europe, anyway?

It all comes down to a very blunt truth: literally anything could happen while you’re on the road, and you need to protect yourself. It’s truly no different than having health insurance in your home country.

Travelers don’t like thinking about worst-case scenarios, but it’s the responsible thing to do. And a good travel insurance policy covers everything from the smallest stuff – like lost and stolen luggage – to all the big picture items, like natural disasters or broken bones. Yes, even death.

In countries where you’re not a resident, the cost of things like medical bills and emergency evacuation are drastically higher than in your home country (even compared to the US, where those bills are crazy high already). So while you might not like the idea of dishing out money for insurance, you definitely don’t want to return from your trip with hundreds of thousands of dollars in medical expenses.

Note: Depending on your home country, you might need to apply for a Schengen visa. Furthermore, countries outside the Europe Schengen zone may have different visa and travel insurance requirements than member states inside the Schengen zone, including the UK. When in doubt, talk to an agent!

BEST TRAVEL INSURANCE COMPANIES FOR EUROPE 

If you take away just one important thing from this article, let it be this: Europe travel insurance is necessary. Just because these countries are developed and modern doesn’t mean you’re immune to accidents or illness on your travels.

Have a look at the different Europe travel insurance companies and their travel insurance plans.

1. Seven Corners: Best Travel Insurance Policy for Students

So you’ve got your visa application sent off and you’re planning on studying for a semester in Europe. Welcome to one of the best experiences of your life!

It’s likely that you’ll be required to have Europe travel insurance as part of your visa requirements to study abroad (and you may even need to present proof of insurance with your visa application and your visa letter). Regardless, travel health insurance is a must—and Seven Corners is the best.

Seven Corners has three different travel insurance plans specifically designed for international students. Each one is customizable so that you can even change the amount of medical coverage (up to $250,000) as well as the deductible. When you visit the student health center at your school, it’ll only cost you a $5 copay. Trip cancellation and interruption are also covered.

There are tons of options to add as well. For example, if you want to visit family back home while on your holidays, you can add coverage for when you return to the US (or wherever home may be). That means if you get into an accident while you’re at home, you’ll have health insurance coverage.

Get a quote

2. SafetyWing: Best Travel Insurance Policy for Expats & Long-Term Travelers

SafetyWing has incredibly unique travel insurance offerings for long-term travelers/expats.

SafetyWing is a rare gem of a travel insurance company because their plans allow you to have coverage for as long as you want. It works like a subscription, and your plan renews every four weeks automatically (until you cancel).

You’ll get coverage up to $100,000 for travel medical insurance and emergency medical evacuation coverage in 180+ countries. Trip interruption and trip delay coverage is also included (up to $100/day), but trip cancellations are not.

There’s one downside: SafetyWing’s insurance policies will not cover your gear. For digital nomads traveling with laptops, cameras, and other items of high value, this may be a dealbreaker. The good news is that you can add supplemental insurance like InsureMyEquipment to make sure you’ve got complete coverage.

More information

3. World Nomads: Best Travel Insurance Policy for Adventure Travelers

World Nomads is an all-around awesome insurance provider, but especially if you’re an adventurous type. They cover over 300 sports and activities, and their Explorer Plan is catered specifically to those interested in higher-risk activities.

Snowboarding in Switzerland? Diving in the Mediterranean? Competing in an air guitar competition (seriously) in Finland? This is the policy for you.

World Nomads’ plans include up to $100,000 in emergency medical coverage, medical evacuation and repatriation, and coverage for stolen or lost luggage. Bonus: their policies have always provided coverage for pandemics/epidemics, so you’re well covered up to $100,000 in emergency medical for COVID-19 too.

The user experience and customer service with World Nomads is also top-notch. If you’re not completely sure if your activity is covered, definitely speak with an insurance agent about your case.

4. Tin Leg: Best Travel Insurance Policy for Seniors

If you’re a senior ready to leave behind the US and make your dream of Europe travels come true, Tin Leg is the travel health insurance company for you.

Travel insurance requirements can be stringent for seniors, especially if you have pre-existing conditions (or if you’re over a certain age). Tin Leg is unique in that it offers travel insurance for people up to age 90!

Tin Leg has a few different plans, including the Tin Leg Economy policy with basic trip cancellations and medical coverage up to $20,000. That’s a bit low compared to other plans, but the Tin Leg Luxury policy covers people up to $100,000 for emergency medical and $250,000 for emergency medical evacuation and repatriation.

Pre-Existing Condition coverage is also included if your policy is purchased within 15 days of booking your Europe trip.

5. Travelex: Best Travel Insurance Policy for Families

Taking the whole fam on a country-hopping tour of Europe? Travel insurance coverage is a must for the whole gang.

One of the best things about Travelex is that they provide free coverage for all children age 17 and under, as long as they’re traveling with you under a single policy. It doesn’t matter if you have one kid or five…they’re all covered for travel health insurance!

Travelex is a heavy-duty insurer, and although they only have two main plans they also tons of add-on options. The Basic plan covers $15,000 in emergency medical expenses, $100,000 for emergency medical evacuation, and $500 for lost and damaged baggage.

But with their Travel Select plan, your coverage skyrockets: you’ll get $50,000 in emergency medical, $1,000 for lost or damaged luggage, and $500,000 in medical evacuation coverage. You’ll also get 150 percent of your insured trip cost reimbursed if your trip is interrupted.

6. AXA: Best Travel Insurance Policy for Multiple Trips

If you’re addicted to Europe travel, getting covered by Ama’s Multi-Trip Schengen visa travel insurance is a must.

Multi-Trip is an AXA Schengen visa insurance for frequent travelers who plan on making several trips to Europe over one year. That means if, for example, you’re traveling between the US and France all year on business, you don’t have to purchase travel insurance more than once.

AXA offers medical insurance for expenses up to €100,000 ($111,000) for both the Schengen zone as well as other countries outside of Schengen. If your Europe travel takes you to places like Monaco and Liechtenstein, the AXA Multi-Trip Schengen travel insurance is a great option for you.

But before you plan multiple trips all over Europe, make sure you’re aware of the Schengen visa requirements. Citizens of certain countries may need to apply for a visa depending on the country (if you’re a traveler from the US, you likely won’t have to). Visa refusal is never a fun experience, so make sure to include your AXA Schengen visa insurance certificate with your visa application.

If you’re unsure about anything, AXA has some great customer service. When in doubt, give them a call.

EUROPE TRAVEL INSURANCE FAQs 

Now that you’re aware of the different Europe travel insurance options and their different travel insurance policies, let’s make sure you’re clear on everything else travel insurance related.

Is travel insurance necessary in Europe? 

Yes, as soon as you leave the US (or your home country) to visit Europe and the Schengen area, travel insurance is necessary. Travel medical insurance is by far the most important asset for any traveler because those medical expenses will skyrocket if you get sick or injured abroad.

Plus your Schengen travel insurance should also cover things like trip cancellations and interruption. No matter what country you’re visiting, you need to be prepared.

Does travel insurance for Europe also cover the United Kingdom?

It’s important to understand that not all countries are part of the European Schengen area, including the United Kingdom. Your Schengen visa will not apply here, and your European travel insurance may not apply.

Some insurances, like World Nomads, will take into account that you’re traveling all over the European region and that you don’t just need Schengen travel insurance. When you’re requesting a quote online, you can select each destination you’ll be visiting.

You need to check with your travel insurance plan to make sure you’re covered for all your medical expenses and emergency evacuation (as well as anything else you want).

Talk to some travel insurance agents for greater clarity on your options. Europe travel awaits!

How much travel insurance do I need for Europe? 

The amount of travel insurance coverage you need for Europe/the Schengen area really depends on what you’re planning to do. In any case, your insurance plan should at least cover you for up to $100,000 in medical expenses and emergency evacuation.

You’ll also want to consider what kind of expenses you’ll incur if you’re not covered for things like trip interruption, cancellations, and lost/damaged luggage. You can’t often make corrections to your travel health insurance plan after you’ve begun traveling, so make sure you get it right!

Do US citizens need travel insurance for Europe?

Yes, US citizens absolutely need travel medical insurance for Europe, including the Schengen area.

If you’re a US citizen and you get sick or if you’re seriously hurt while in Europe or the Schengen area, you could face crazy high medical expenses. That could mean hundreds of thousands of dollars in medical debt.

Europe travel insurance is a must for any traveler, and that means US citizens too.

What countries are included in Europe travel insurance?

Generally, Europe/Schengen travel insurance will cover all European countries. As mentioned above, insurers know that you’re likely to visit more than one country on your trip.

But do your homework. Some popular European countries aren’t part of the Schengen area, including the likes of Bulgaria, Croatia, and even the United Kingdom. When it comes to insurance coverage, make sure you read the fine print and make any corrections to your policy as needed.

Residents from certain countries other than the US may require a visa as well, and applicants will want to apply well in advance. Bottom line: your travel medical insurance (just like your Schengen visa requirements) may differ depending on where you’re going.

Does my health insurance cover me in Europe?

Depending on the health insurance coverage you have at home, you may have travel coverage for Europe travel too. Keep in mind this is still travel insurance though—you won’t be able to claim expenses for things like cosmetic surgery abroad.

But in general, residents of the US (and residents of other places, for that matter) shouldn’t assume they’re covered.

Pro-tip: review your policy in great detail before you leave, in case you need to make any corrections.

Do I need Schengen visa insurance for Europe?

Many citizens do not need a Schengen visa before traveling to Europe. You’ll need to figure out what the Schengen visa requirements are for your country first. If you’re a US citizen, for example, you do not need to apply for a Schengen visa.

Applying for a visa can be a daunting experience for some citizens, but the online process for applicants is pretty straightforward. Absolutely make sure you have proof of your Schengen visa travel insurance secured beforehand (like the AXA Schengen visa insurance certificate mentioned earlier), and include it with your visa letter and visa application.

Once you’ve received your Schengen visa, you’re good to go.

Now it’s time—are you ready to see Europe?

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June 1, 2020

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International Travel Insurance

International travel is exciting whether it's a quick visit to Paris, an African safari or a week in the Caribbean. Wherever your adventure takes you, international travel insurance can help you travel with peace of mind. If you become sick or injured while traveling; or if circumstances cause you to cancel or interrupt your trip, international travel insurance is there to help you. And, with our  OneTrip Prime plan , kids 17 and under are covered for free when traveling with a parent or grandparent (not available on policies issued to Pennyslvania residents). If something goes wrong when you're far from home, we're here to help. Just call our 24-hour assistance hotline.

View international travel insurance products .

International Travel Articles

The rewards of international travel are incredible — but before your adventure begins, you have to get through customs. We'll help you plan your next overseas trip, figure out what to pack, and protect yourself while you're traveling.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Travel Insurance for holidays in Europe

Travel insurance for europe .

Europe is like a treasure chest brimming with wonders waiting to be discovered. Whether you're wandering through ancient ruins, savoring mouthwatering cuisine, or marveling at famous sights like the Eiffel Tower, there's something magical for everyone to experience.

But no matter where your adventures lead you, it's smart to be prepared. Here’s everything you need to know about travel insurance for Europe. We'll show you the ropes so you can expect a safe and worry-free journey.  

Discover our Travel Insurance for Europe

• What should your Travel insurance cover for a trip to Brazil? 
• How Does Travel Insurance for Brazil Work?
• Do I need Travel Insurance for Brazil? 
• How Much Does Travel Insurance Cost for Brazil?

Our Suggested AXA Travel Protection Plan

What types of medical coverage does axa travel protection plans offer.

• Are There Any COVID-19 Restrictions for Travelers to Brazil?
• Traveling with pre-existing Medical Conditions? 

Travel Insurance Germany | Travel Insurance Italy   | Travel Insurance France  | Travel Insurance Greece  | Travel Insurance Iceland  | Travel Insurance Norway  | Travel Insurance Switzerland   | Travel Insurance Spain   | Travel Insurance UK  | Travel Insurance Ireland

What should your travel insurance cover for a trip to europe.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders.   

In just a few seconds, you can get a free quote and purchase the best travel insurance for Brazil.

How Does Travel Insurance for Europe Work?

Picture yourself wandering through the streets of Rome. Suddenly, a mishap occurs – perhaps a twisted ankle while exploring the Colosseum. In this moment, AXA Travel Protection proves invaluable. With their support, you gain access to quality healthcare, addressing your injury without fretting over medical bills. This safety net allows you to focus on recovery, so your European journey isn't marred by unexpected health setbacks.

Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.

Do I Need Travel Insurance for Europe?

Travelers from the United States and other visa-free countries do not need travel insurance to visit Europe. However, if you're from a country that requires a visa for the Schengen area, you must have travel insurance. Even if travel insurance isn’t required for your entry, securing one is still highly recommended.

Why? There are several reasons:  

Medical Emergencies : Exploring Europe often involves extensive walking and adventurous activities. In the event of unexpected illness or injury, having coverage for medical expenses allows travelers to seek necessary medical treatment without worrying about exorbitant costs.  

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.  

Trip Interruption: Unforeseen events such as natural disasters, political unrest, or personal emergencies can disrupt your European adventure. Trip interruption coverage may protect travelers if they need to cut their trip short due to unexpected circumstances.

How Much Does Travel Insurance Cost in Europe?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:  

Total Trip cost: The total amount of non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.

Age: L ike any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.  

With AXA Travel Protection, travelers to the United Kingdom will be offered three tiers of insurance: Silver,   Gold  and  Platinum . Each provide varying levels of coverage to cater to individual's preferences and travel needs.

AXA presents travelers with three travel plans – the Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Europe hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.  

The Platinum Plan is your go-to choice if you're looking for extra coverage for Europe’s experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Europe's stunning landscapes in a rental car.  

Traveling to Europe for a ski or golf getaway? The Loss Skier Days and Loss Golf Days benefits, optionally available with the Platinum plan, have got you covered. If unexpected slope closures or golf course shutdowns disrupt your plans, these optional benefits may offer reimbursement for prepaid ski tickets or golf arrangements. This way, you can hit the slopes or the greens worry-free, knowing AXA has your back.  

AXA covers three types of medical expenses:

Emergency medical

Emergency evacuation & repatriation

Non-medical emergency evacuation & repatriation  

Emergency medical: Can cover unexpected incidents like broken bones, burns, sudden illnesses, and allergic reactions that require immediate medical attention.

Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.

Non-medical emergency evacuation and repatriation: Can cover evacuation assistance when you must leave a place urgently due to non-medical reasons like natural disasters or civil unrest.  

Are There Any COVID-19 Restrictions for Travelers to Europe?

No vaccination or COVID testing is required for entry into any European country.  

Traveling with preexisting Medical Conditions to Europe?

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip. Our Gold Plan , and  Platinum Plans  offer coverage for preexisting medical conditions. The Platinum plan is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,  

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plan with a preexisting medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60 day look back period. We're here to make sure you travel with ease, no matter your health situation.  

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.  

2.When should I buy Travel Insurance to Europe?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.  

3.Do Americans need travel insurance in Europe?

Although not mandatory for entry into Europe, having a travel insurance policy that includes emergency medical coverage is highly advisable when visiting the continent.  

4.What is needed to visit Europe from the USA?

US travelers entering Europe must have a valid US passport with at least six months left before expiration, any necessary visas, and ensure their passport remains valid for each country they visit. They must also have a clear reason for traveling and demonstrate adequate financial means for their stay.  

5.What happens if a tourist gets sick in Europe?

If you become sick in Europe, travelers with AXA Travel Protection can contact the AXA Assistance hotline 855-327-1442. Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost.

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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