travel insurance for whole of europe

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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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Travel Insurance

Travel insurance for Europe: Coverage and policies for 2024

Erica Lamberg

Heidi Gollub

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

Updated 9:30 a.m. UTC Nov. 27, 2023

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• A trip to Europe often requires hefty prepaid and nonrefundable deposits to secure flights, hotels and tours. Travel insurance protects these outlays if you cancel your trip for a covered reason.
• Many U.S. health insurance plans don’t provide coverage in foreign countries, making a travel insurance plan with medical expense benefits important for trips to Europe.
• The best travel insurance for Europe will package together different types of coverage, including trip cancellation, trip delay, trip interruption, travel medical, emergency medical evacuation and baggage insurance.   

Planning a trip to Europe is exciting, but can also be expensive. Your itinerary may include visits to several European countries, and you can quickly rack up prepaid and nonrefundable expenses for flights, hotels, excursions, tours and experiences. 

Travel insurance can give you peace of mind that you’ll be financially protected if things go wrong before or during your trip. But plans differ, so it’s important to pay attention to included coverages, limits and exclusions when choosing your insurance for travel to Europe. 

Do I need travel insurance for Europe?

Travel insurance is not required for entering Europe. “But it is a very important consideration for a number of reasons,” said Scott Adamski, spokesperson for AIG Travel.

In addition to protecting your trip deposits if you need to cancel, Adamski said an important reason to secure a travel insurance policy relates to health care coverage for U.S.-based travelers headed to Europe. 

“In a surprise to many, their U.S.-based health insurance policy may not provide coverage, or may provide limited coverage, when they’re traveling out of the country,” said Adamski. 

“Medicare also may not provide coverage outside the U.S. (for older Americans) and there may be restrictions/limitations on medical benefits when traveling abroad,” he said. “In short, it’s vital to review your existing health care coverage before traveling.”

To make sure you’re covered financially if things go awry before or during your European vacation, look for a travel insurance plan that includes travel medical benefits as well as coverage for trip cancellation, trip delay, trip interruption, emergency medical evacuation and baggage delay or loss. 

Featured Travel Insurance Offers

Travel insured.

Via Squaremouth’s website

Top-scoring plan

Worldwide Trip Protector

Covers COVID?

Medical & evacuation limits per person

$100,000/$1 million

Atlas Journey Preferred

Seven Corners

Via Squaremouth’s Website

RoundTrip Basic

Average cost for plan with CFAR

CFAR coverage

75% of trip cost

Trip cancellation insurance for travel to Europe

If you’ve booked a trip to Europe, you’re probably thinking, why would I cancel my dream vacation? 

“No one plans to cancel a trip, but sometimes there are circumstances beyond our control — you suffer an injury before your trip, circumstances at your job change or your flight is canceled due to severe weather at your destination,” said Shannon Lofdahl, spokesperson for Travelex Insurance Services. “Trip cancellation and interruption coverage reimburses you if your trip is canceled or interrupted for a covered reason,” she said.

In general, covered reasons for trip cancellation insurance benefits include:

• Death of an immediate family member or a travel companion.
• A serious illness or injury to you, a close relative or a travel companion.
• A sudden and serious family emergency.
• An unexpected job loss or layoff.
• Unplanned jury duty.
• Severe weather.
• Your travel supplier is going out of business.
• A national transportation strike.

So, if three days before your trip to Vienna, Austria, your husband has a heart attack, you can cancel your trip and receive 100% of any prepaid and nonrefundable trip outlays.

It’s important to note that not all reasons to cancel will be covered by your travel insurance policy. For example, if you see a rainy weather forecast in Barcelona or get nervous to travel to Paris because you learn about a rise in petty crimes there, these are not covered reasons.

If you want the highest level of flexibility to change your travel plans, consider adding “ cancel for any reason ” (CFAR) coverage.

CFAR is an upgrade to a basic travel insurance plan that may boost the price of your policy by about 50%, but will give you the latitude to cancel your trip for any reason as long as you cancel at least 48 hours before your scheduled departure. If you meet all the requirements of your plan, you can expect to be reimbursed for 75% — or 50%, depending on the plan — of your prepaid, nonrefundable trip costs.  

Trip delay insurance

Delays are an expected part of traveling these days, especially while traveling abroad, and that fact has emphasized the importance of trip delay coverage, said Lofdahl. “A short delay probably won’t cause you too much stress, but longer delays can mean missing connecting flights.”

Trip delay coverage can reimburse you for costs you incur as a result of a travel delay, as long as the delay was caused by a reason in your policy documents. Severe weather, airline maintenance issues or a security breach at an airport, for instance, are typical reasons covered by trip delay insurance.     

Most policies have a waiting period before your trip delay benefits begin, such as six or 12 hours. If you meet the criteria outlined in your travel insurance policy, you can expect to be reimbursed for a meal, hotel room, taxi fare and a few personal care items to tide you over for the delay, up to the limits in your plan.  

Be sure to hold onto your receipts as you will be asked to submit this documentation when you file a trip delay claim.

DOT rules : What you’re owed when your flight is canceled or delayed may be less than you think

Trip interruption in Europe

No one wants to end their trip early, especially when it’s a long-awaited European vacation, but unexpected issues can arise, said James Clark, spokesperson for Squaremouth, a travel insurance comparison site.

If there is an emergency back home that is covered by your travel insurance plan, such as a critically ill parent, or if you suffer an injury while traveling in Europe and need to cut your trip short, your policy’s trip interruption insurance can provide financial assistance. 

You can file a trip interruption claim to recover any prepaid, unused and nonrefundable trip costs you lose because of your unexpected early departure. Your benefits will also typically cover a last-minute one-way economy flight home, and transportation to the airport.

Keep in mind, however, not all reasons to end a trip early will be covered. For example, if you miss your new kitten or have a fight with your partner while in Budapest, and want to go home, these are not covered reasons. You will have to pay your own way home and can’t file a claim for losses.

Americans will have to get travel authorization to enter Europe

Currently, Americans don’t have to worry about getting a visa to travel around Europe. However, that will change in mid-2025. That’s when the European Travel Information and Authorisation System (ETIAS) goes into effect, requiring people traveling from visa-exempt countries like the United States to get authorization for travel to 30 European countries.

Once applications open up, you will be able to apply on the official ETIAS website or mobile app. You’ll need your passport information to apply, and it will cost 7 euros to process the application. For those who don’t get immediate approval, the decision process could take up to 30 days. 

Once approved, your ETIAS travel authorization will be attached to your passport. It will be valid for three years or until your passport expires, whichever happens first. 

A standard travel insurance policy won’t cover you if you don’t get your ETIAS travel authorization in time for your trip, or your ETIAS application is rejected. It will be important to apply for ETIAS early, in case there’s a delay or you need to appeal if you’re denied a visa.

If you have “cancel for any reason” (CFAR) coverage you could cancel your trip if your visa doesn’t get approved in time, but you’d need to cancel at least 48 hours before your trip to file a CFAR claim for reimbursement.

Travel medical insurance for Europe

Don’t assume your health insurance applies outside the United States. “Many [domestic health insurance] plans won’t cover you if you become ill or injured traveling in Europe or any other country outside the U.S., and, without travel protection, you would be responsible for all the medical expenses,” said Lofdahl with Travelex.

For instance, if you twist your ankle while touring in Rome, your travel insurance can cover the cost of seeing a doctor, getting X-rays, buying prescription medication and staying in the hospital if deemed necessary. Without this coverage, you are responsible for any medical expenses. 

The average cost of travel insurance is between 5% and 10% of the total price of your trip. This can be worth it for the medical benefits alone when traveling in Europe.

Travel insurance plans also typically include travel assistance, which can help if you get sick or injured in Europe. “This benefit offers a range of 24/7 services while you’re traveling — from assistance finding a covered health care provider to helping with replacing lost or stolen passports,” said Lofdahl. These services can also assist with translation services.

Emergency medical evacuation

Depending on where in Europe you’ll be visiting, you might be far from a medical facility adequately equipped to treat severe illnesses and injuries. 

“For this reason, travelers with underlying medical conditions might wish to consider additional medical evacuation coverage for certain costs associated with transportation, to either the nearest recommended medical facility or back home,” said Adamski with AIG Travel.

Also, he explains, many countries in Europe — particularly in the mountainous regions — offer adventure sports for visitors. “In the warmer months, the outdoorsy types who aren’t biking might pursue mountain climbing, available through a wide range of treks and climbs for beginners and advanced climbers alike. In the winter, of course, ski enthusiasts from around the world visit a number of European countries for their access to great snow, luxurious accommodations and challenging runs,” Adamski said.

Unfortunately, accidents can happen when mountaineering, regardless of the time of year. Having a travel insurance plan can provide financial protection in the event of medical or evacuation losses, he said.

As an example, said Adamski, a policyholder might need to return to the U.S. after a skiing injury and may need accommodations such as a lay-flat seat or a row of seats to stretch out a broken leg. 

“A travel insurance provider, with on-staff doctors and medical coordinators, are invaluable in assisting with medical needs in foreign countries and coordinating with airlines to get injured travelers back home. Such arrangements are remarkably expensive, ranging from $20,000 easily into the six figures,” he explained.

Medical evacuation coverage could help cover these costs, and, in AIG Travel’s travel protection plans, said Adamski, this is complemented by access to an entire medical team dedicated to consulting with the local medical providers, working with you or your family to confirm what’s in your best interests as a patient and making the necessary arrangements to get you where you need to be.

When budgeting for a trip, even the most thorough planners rarely consider a contingency that includes a five- or six-figure emergency medical evacuation, said Adamski. “To be suddenly faced with a bill like that could be devastating. Also, the expertise of the medical staff that would be helping to coordinate such an evacuation could (literally) be a lifesaver,” he said.

Clark with Squaremouth notes that travelers heading to Europe should look for policies with at least $100,000 in medical evacuation coverage. However, if a traveler is doing more remote activities, such as backpacking through the Swiss Alps or exploring the Scandinavian wilderness, “We recommend at least $250,000 in medical evacuation coverage,” he said.

Travel insurance coverage for baggage and belongings

Lofdahl with Travelex said that the return to travel has been wonderful, but the labor shortage has brought some challenges to the industry. “Delayed and lost baggage is one that most people heard about last year and into this year,” she said. “Every airline experienced increases in lost and delayed baggage, and some even had triple the number of lost and delayed bags as they did in the same period in 2021. I can tell you from experience that this can impact your trip.”

European travel generally can include connecting flights which can increase the likelihood that your luggage can be misdirected or lost.

If your luggage decides to vacation in Madrid instead of Athens, you can file a claim with your travel insurance company. Just be sure to get a report from your airline carrier first.

You may also be able to file a claim for delayed luggage. Depending on your plan, you can purchase a few items to tide you over until your bags arrive at your destination, like a swimsuit, some toiletries and a change of clothes. Just be sure to keep any applicable receipts.

Your travel insurance plan may also reimburse you for other personal effect losses while on your vacation. For example, if your camera gets stolen while touring Copenhagen, or if your leather jacket is swiped while in Milan, you can file a claim. But first, you’ll need to file an incident report with your tour leader, hotel manager or local law enforcement. You will be asked for this documentation during the claim process. 

It’s very important to read your travel insurance documents carefully so you understand the scope of your benefits. There are often per-item limits and caps for coverage, rules about how depreciation will affect your reimbursement levels and exclusions which won’t be covered. For instance, lost or stolen cash isn’t reimbursable, and many high-ticket items like heirloom jewelry and designer watches are often excluded from coverage.

Baggage loss insurance is also typically secondary coverage, meaning it comes into play only after you’ve filed for reimbursement from your airline or homeowners insurance (in the event of theft).

Frequently asked questions (FAQs)

Buying a travel insurance policy for Europe isn’t required, but it is a smart way to financially protect your trip investment and to ensure you have medical coverage while traveling abroad. 

“Just because it’s not required doesn’t mean it’s not a good idea. Unexpected medical bills can be costly, and an unforeseen emergency evacuation or repatriation back home to the U.S. or Canada can climb to tens of thousands of dollars,” said Terra Baykal, spokesperson with World Nomads.

Travel insurance also provides trip cancellation benefits, which can help you recoup the cost of trip deposits. “Travel insurance may reimburse you for your missed nonrefundable, prepaid travel arrangements like hotels, flights and tours, if you need to cancel for a covered reason, like the death of an immediate family member, or your last-minute illness or injury,” said Baykal.

It’s also important to find an insurer who will cover you for all the activities you plan to pursue in Europe. So if skydiving in Switzerland, paragliding in Greece or ziplining in Croatia is in the cards, make sure your insurer covers your more adventurous pursuits, said Baykal. 

World Nomads automatically covers more than 150 adventure activities and sports for U.S. residents without the need for an additional adventure activities rider. 

While not required to enter Europe, a travel insurance policy with emergency medical coverage is a good idea when traveling to Europe, said Baykal of World Nomads.

Many U.S.-based health insurance providers offer no coverage abroad, or very limited global benefits. If your domestic health insurance doesn’t provide adequate coverage outside of the U.S., buying travel medical insurance for Europe is recommended.

Whether your health coverage travels with you outside the U.S. depends on your Blue Cross Blue Shield plan. Check with your carrier to determine the scope of your travel medical insurance . 

According to Blue Cross Blue Shield, travelers should refer to their Certificate of Coverage and riders and also call customer service to find out about limitations to travel 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.

Erica Lamberg is a regular contributor to Fox News, Fox Business, Real Simple, Forbes Advisor, AAA and USA TODAY. She writes about business, travel, personal finance, health, travel insurance and work/life balance. She is based in suburban Philadelphia.

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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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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4 Best Travel Insurance for Europe in 2024

Home | Travel | Europe | 4 Best Travel Insurance for Europe in 2024

When traveling abroad, get a policy from one of the  best travel insurance companies . Y ou can get a  5% discount   on Heymondo , the only insurance that pays medical bills upfront for you, HERE!

Getting European travel insurance is one of the main requirements for obtaining a Schengen visa, whether for traveling, studying, or working overseas.

However, if you don’t need a Schengen Visa , you may ask yourself, Do I need travel insurance for Europe ? Well, it’s always a good idea. As I mentioned in my guide to the best international travel insurance companies , you should buy coverage if you want the peace of mind that comes with knowing you’re protected in any unforeseen circumstances.

4 Best travel insurance for Europe in 2024

Of course, not everyone needs the same kind of coverage, so in this article, I’m sharing the best travel insurance for Europe and Schengen travel insurance that meets all the visa requirements:

• Schengen visa travel insurance requirements
• Europe travel insurance cost & comparison
• Best travel insurance for Europe

What should European travel insurance cover?

Not to spoil the surprise, but Heymondo is the best option for Europe trip insurance and Schengen Area travel insurance . Heymondo offers comprehensive coverage at an affordable price, and it’s the only company that pays your medical expenses upfront , so you don’t have to worry about filing a reimbursement claim.

5% OFF your travel insurance

Another great option, if you’re traveling on a budget and don’t mind having a deductible, is SafetyWing . Just be aware that there is a $250 deductible per claim, and they don’t cover medical expenses upfront. You will need to pay out of your pocket and ask for reimbursement later, but it is the cheapest option by far.

I’ll give you a full review of other top travel insurance for Europe below .

Is travel insurance for Europe mandatory?

If you’re required to have a visa to enter the Schengen Area, you must have travel medical insurance for a Europe trip . Be aware that not all travelers need a Schengen visa, so check the requirements for different countries below.

If you’re a citizen of a country in the Schengen Area, you don’t need travel insurance for Europe , but it’s wise to have coverage for your trip .

What countries need a Schengen Visa to visit Europe?

Travelers from the following countries must purchase European travel insurance to obtain a Schengen visa and visit the Schengen Area:

Schengen visa insurance requirements

To obtain a Schengen visa, you must have Schengen Area travel insurance . That is, insurance that covers the Schengen Area and meets these requirements:

• At least $30,000 in coverage for medical emergencies and accidents : Healthcare and medical expenses in Europe aren’t cheap, so emergency medical coverage is a requirement. No matter where you travel in the Schengen Area, your insurance will cover the medical fees if you get sick or injured.
• Repatriation coverage in case of medical incidents or death : If you fall gravely ill in a remote area or require further medical attention for a serious injury, you may need to be transported back to your home country. This is an expensive service, so your insurance should include repatriation coverage. This way, you won’t have to pay big bucks for transportation fees.
• Coverage in all 26 Schengen Area countries for the entire duration of your trip : Even if you’re not planning to visit all 26 countries (which would be incredibly ambitious!), your insurance policy must cover all of them. The best Schengen travel insurance policies allow you to select “Europe” as your coverage area, so you don’t have to worry. I always recommend reading the fine print to ensure you don’t encounter any problems when applying for your Schengen visa.

What countries are in the Schengen Area?

The 26 countries that make up the Schengen Area are:

• Czech Republic
• Liechtenstein
• Netherlands
• Switzerland

Of those countries, Iceland, Liechtenstein, Norway, and Switzerland are the only countries that don’t also belong to the European Union.

How much does European travel insurance cost?

Choosing the best travel health insurance for Europe is one of the most frequent doubts among tourists. We currently have a policy with Heymondo , and we’re very happy with it. The company has been super responsive and helpful whenever we’ve needed assistance. I love that they take care of medical payments for us upfront, so we don’t need to pay out of pocket and file a claim.

If you’re still unsure which European tourist insurance best suits you and your needs , look at the table below. I’ve compared the cost of European travel insurance from 4 different companies. To be as impartial as possible, I’ve simulated the prices for a 30-year-old American traveling to Spain for two weeks with a trip cost of $2,500.

*Price used for example

For this European travel insurance comparison , I chose the cheapest policies that cover the Schengen Area and meet all the requirements. While Heymondo isn’t the cheapest, it offers better coverage than the others, and it’s the only one that pays for medical expenses upfront.

Also, remember that these prices are just an example and can vary depending on your trip’s duration, your country of origin, destination, and other factors. However, no matter the cost, you want travel insurance, even for the cheapest places to visit in Europe .

Best Europe travel insurance

Again, each European travel insurance company has its advantages, so I’m sharing an overview of each option below to help you make the best choice.

1. Heymondo , the best travel insurance for Europe

Heymondo is the best holiday insurance for Europe , offering $200,000 in emergency medical coverage and no deductible. One of the main advantages of Heymondo insurance is the 24/7 customer support and medical chat . This way, you can quickly consult a doctor or get directions to the nearest hospital.

Another thing I like about Heymondo is that it takes care of everything, so you won’t have to pay a single bill out of pocket . No more filing claims and waiting for reimbursement! Just remember that for Heymondo to cover expenses upfront, you must contact them before going to the doctor. If you forget or don’t have time, don’t worry. Heymondo will refund your money after you send them the medical invoice.

Besides, it covers electronic equipment , something that most travel insurance doesn’t include. For us, that coverage is crucial since we always travel with two laptops and professional camera gear.

We’ve been using Heymondo’s annual travel insurance and have been delighted with the experience. We have had to use the customer support more than once, and the team has always been professional, efficient, and kind. If you choose this company for your European travel health insurance , you can save 5% with our Heymondo discount .

2. SafetyWing , a cheap European travel insurance

If you’re looking for a low-cost Schengen travel insurance policy, look into SafetyWing . It’s one of the cheapest travel insurance companies on the market, offering excellent coverage without a hefty price.

SafetyWing’s European travel health insurance includes extensive emergency medical coverage, evacuation and repatriation protection, and up to $5,000 in trip interruption benefits for added peace of mind.

However, while SafetyWing has some of the lowest prices on the market, remember that it’s more of a medical travel insurance , so its trip-related coverage is minimal.

Also, there is a $250 deductible, so you’ll have to pay $250 before the company covers your medical costs. If you don’t want to deal with a deductible and want the added benefit of having your expenses paid upfront, I recommend Heymondo .

3. Trawick International , the best Europe travel insurance for seniors

Trawick International is another option to consider, especially if you’re looking for a good travel insurance plan for seniors . Trawick is affordable and features great medical benefits, including coverage for pre-existing conditions. The company also offers decent protection for natural disasters and repatriation.

This company also has travel insurance with Cancel For Any Reason (CFAR) . So, if you add CFAR to your policy, you’ll get reimbursed for your flight and accommodation expenses if you call the trip off, regardless of the reason for your cancellation. However, there are specific terms and conditions, so I recommend reading the policy thoroughly.

It’s important to review the different Trawick policies since some pertain to European travel insurance while others are tailored to students or tourists coming to the USA. In our comparison, we looked at the Safe Travels Explorer plan, which includes decent trip cancellation and interruption coverage, but only a small amount of baggage loss protection.

Overall, you can get much more coverage for the same price or a bit more. For example, Heymondo offers $200,000 in emergency medical expenses compared to Trawick’s $50,000. Plus, Heymondo pays your medical expenses upfront.

4. Travelex , another good travel health insurance for Europe

Lastly, Travelex is dependable tourist insurance for Europe that meets all Schengen visa insurance requirements. Its Select plan is the more expensive option, but it includes extensive repatriation and evacuation coverage, as well as natural disaster protection.

You’ll also be covered for travel-related expenses like baggage loss/theft, trip cancellation/interruption, and trip delay. Travelex is also a travel insurance that covers pre-existing conditions , making it a good choice if you want your policy to cover treatments and medication abroad for chronic diseases like diabetes.

On the other hand, the Select plan is the most expensive option of the policies we looked at, and the emergency medical expense coverage is very low. In comparison, Heymondo offers much better coverage for a lower price.

What should travel insurance for Europe cover?

When shopping around for travel medical insurance for Europe , make sure you’re looking for the best coverage. Below, you can see what the best European travel insurance should include:

Emergency medical expenses

Emergency medical coverage is the most basic and essential requirement for any European holiday insurance . Even the cheapest policies include this type of coverage. With emergency medical expenses protection, you’ll be covered for any visits, tests, treatments, and hospitalizations during the trip due to illness or injury.

However, chronic illnesses or sicknesses that existed before the start of the trip are excluded from this coverage. For example, the insurance won’t cover treatment for cancer, as that’s a chronic disease that must be treated in your country of origin. On the other hand, an emergency operation for appendicitis would be covered.

Emergency medical expenses, something that’s covered with European travel insurance

As for injuries and accidents, most policies don’t cover incidents that occur while practicing extreme sports or risky activities. In the case of Heymondo , some adventure sports are included in the Premium plan. For other insurers, there is the option to add this type of coverage to your policy for an extra fee. So, if you’re a daredevil and plan on participating in some extreme sports during your trip, I recommend getting a policy with Heymondo.

Evacuation & repatriation

Evacuation and repatriation coverage are other must-haves when buying insurance for a European trip . If you have to return to your home country due to a medical emergency or death abroad, this coverage will take care of the associated expenses. Moreover, if a family member back home gets seriously sick or dies, or there is an accident at your home, the costs will fall under this category.

Unexpected delays can happen while traveling, be it a flight delay, weather problems, or an issue with the airline. This is why many European travel insurance companies include trip delay coverage. This covers expenses like meals and accommodation if your trip is delayed several hours or more.

Trip cancellation & interruption

As for trip cancellation , it’s often not included in European travel insurance . You usually must take out a trip cancellation policy or add this coverage to your plan.

With trip cancellation protection, you’ll be covered if you have to cancel your trip for health, legal, or work reasons. The amount varies depending on your policy, but you could recover up to 100% of the money you invested in the trip. Of course, you must provide documentation justifying the cancellation.

If you want the option of canceling your trip for any reason and getting reimbursed, look into Cancel For Any Reason (CFAR) insurance . Many companies offer this coverage as an add-on.

Moreover, trip cancellation coverage is especially useful if you’re visiting multiple countries in Europe. An unexpected incident may come up in the middle of your trip, such as a family member getting sick or a natural disaster back home. Instead of losing all the money you paid for the rest of your journey, you can get reimbursed with European travel insurance with trip cancellation/interruption benefits.

Baggage loss, theft, or damage

It’s not uncommon for luggage to get lost, stolen, or damaged during travel. For this reason, I consider this type of coverage essential for any European travel insurance plan .

Be sure to check the monetary amount for this benefit since some insurers don’t offer as much protection as others. I also suggest keeping your most valuable and expensive items with you in a backpack or carry-on so you don’t risk losing them in your checked baggage.

If you can’t store your things in a hotel, consider using a luggage storage service once you’ve arrived at your destination. This way, you’re not a walking target for pickpockets!

Electronic equipment

If you’re bringing electronic equipment like a camera or laptop, be aware that these items aren’t typically covered under the baggage loss benefit. An exception is Heymondo , which includes electronic equipment protection in its policies.

For most other European travel insurance plans , you’ll have to get this coverage as an add-on for an extra fee.

Adventure sports

This is another benefit that’s often available as an add-on. If you know you’ll be participating in some extreme activities, adding this type of coverage to your policy is a good idea. Adventure sports include things like bungee jumping, skydiving, scuba diving, and white-water rafting.

Heymondo is one of the few European travel insurance companies that include adventure sports protection in its policies.

Search and rescue

Another insurance benefit is search and rescue coverage. This covers the cost of an organized search and rescue effort should you get lost or reported missing during your trip.

Natural disaster evacuation

Finally, natural disaster coverage will pay for the transportation costs if you need to return to your home country due to a natural disaster at your destination. Examples of natural disasters include earthquakes, floods, landslides, tornadoes, tsunamis, volcanic eruptions, and wildfires.

Europe travel insurance with a discount

If you decide to get travel insurance for a Europe trip , remember that you can take advantage of our discount to save money on your policy.

In the case of Heymondo , you can get a cheaper European travel insurance policy for being a Capture the Atlas reader. Just click our link below to get a 5% discount on Heymondo insurance .

Also, be sure to read our guide on the best discounts for travel so you can save money on flights, hotels, rental cars, and more.

Is Europe travel insurance worth it?

Even if you aren’t required to get a Schengen visa (and thus European travel insurance ), getting coverage is still a good idea. We never travel without insurance, and I advise everyone to do the same. After all, you never know what could happen abroad, whether you get in an accident or fall ill.

Throughout the years, my friends and I have had many experiences that highlight the importance of having insurance.

For example, I was studying English in Ireland with my cousin when he had to have emergency surgery for appendicitis. Luckily, he had EU travel insurance, so the cost of his operation was covered. He would have been stuck paying thousands if he hadn’t had travel medical insurance for Europe .

Another time, I was taking a trip to Germany, and my luggage never arrived. I was stressed out about not having any clothes or toiletries, but fortunately, I had travel insurance, so the company covered the cost of all the clothes and necessities I had to repurchase.

While those two scenarios ended nicely, my family and I have had less-than-ideal situations that resulted from not having insurance coverage.

One of those was when I planned a trip to Ukraine years ago. I had to cancel it because of a family emergency, and since I didn’t have travel insurance for Europe , I lost all the money I had invested in flights and hotels.

Similarly, my mom didn’t bother to get insurance before traveling to London. Someone stole her bag in a pub, so she lost her cell phone, camera, and wallet (with her ID and credit cards). She could’ve been covered for these losses if she had purchased European holiday insurance . Unfortunately, she had to pay to replace everything herself.

As you can see from the examples above, all kinds of unexpected circumstances crop up while traveling. It’s always better to have the added security of trip insurance. Take it from me, and don’t learn your lesson the hard way!

Other things to plan for your trip to Europe

Once you get the best travel medical insurance for Europe , finish organizing your trip with these helpful tips:

• Get one of the best SIM cards for Europe to avoid paying for roaming while using internet in Europe . We always use the Holafly eSIM , and you can even purchase it if you’re already abroad.
• Get a travel credit card to avoid hefty fees when using foreign ATMs. There are even some great credit cards with no foreign transaction fees that you can take advantage of.
• Check the iVisa website to see if you need a Schengen visa for your trip. If you do, make sure you request it in advance so you have it in time for your trip.

Lastly, enjoy your trip to the fullest!

FAQs – Travel insurance for Europe

If you still have concerns about European trip insurance , these answers to commonly asked questions may help:

Do I need travel insurance for Europe?

Travel insurance for Europe is mandatory for citizens who are required to apply for a Schengen visa.

Do I need European travel insurance if I have a European Health Insurance Card (EHIC)?

No, you don’t need European travel insurance if you have an EHIC.

Do I need Europe travel insurance for a Schengen Visa?

Yes, those applying for a Schengen visa must have European travel health insurance .

Which countries are required to have travel insurance to Europe?

Travelers who are residents and hold passports from the following countries must have travel insurance for Europe : Afghanistan, Algeria, Angola, Armenia, Azerbaijan, Bahrain, Bangladesh, Belarus, Belize, Benin, Bhutan, Bolivia, Botswana, Burkina Faso, Burma/Myanmar, Burundi, Cambodia, Cameroon, Cape Verde, Central African Republic, Chad, China, Comoros, Congo, Cuba, Democratic Republic of the Congo, Djibouti, Dominican Republic, East Timor, Ecuador, Egypt, Equatorial Guinea, Eritrea, Eswatini, Ethiopia, Fiji, Gabon, Gambia, Ghana, Guinea, Guinea-Bissau, Guyana, Haiti, India, Indonesia, Iran, Iraq, Ivory Coast, Jamaica, Jordan, Kazakhstan, Kenya, Kosovo, Kuwait, Kyrgyzstan, Laos, Lebanon, Lesotho, Liberia, Libya, Madagascar, Malawi, Maldives, Mali, Mauritania, Mongolia, Morocco, Mozambique, Namibia, Nepal, Niger, Nigeria, North Korea, Northern Mariana Islands, Oman, Pakistan, Palestinian National Authority, Papua New Guinea, Philippines, Qatar, Russia, Rwanda, Sao Tome and Principe, Saudi Arabia, Senegal, Sierra Leone, Somalia, South Africa, South Sudan, Sri Lanka, Sudan, Suriname, Syria, Tajikistan, Tanzania, Thailand, Togo, Tonga, Tunisia, Turkey, Turkmenistan, Uganda, Uzbekistan, Vietnam, Yemen, Zambia, and Zimbabwe.

What is the minimum medical coverage to get a tourist visa to Europe?

Individuals must have European travel insurance with a minimum of $30,000 in emergency medical coverage to get a tourist visa to Europe.

The best travel insurance for Europe should include emergency medical coverage, repatriation and evacuation, baggage protection, and trip delay protection. It’s also a good idea to include trip cancellation coverage in the policy.

What’s not covered by travel insurance for Europe?

Some European travel insurance plans don’t include trip cancellation benefits, but this may be available as an add-on. Other things that aren’t typically included are adventure sports, electronic equipment, and natural disasters.

What is the best travel insurance for Europe?

The best travel health insurance for Europe is Heymondo since it has an excellent price-to-coverage ratio and no deductible. Plus, it is the only company that pays your medical bills upfront, so you don’t have to pay out of pocket and file a claim for reimbursement.

How much is travel insurance to Europe?

The cost of Europe travel insurance can range from $2/day to $7/day or more.

Is travel insurance for Europe worth it?

Yes, European travel insurance is absolutely worth it , whether it’s mandatory for you or not. In addition to emergency medical coverage, you’ll have baggage, trip delay, and repatriation benefits that can save you thousands of dollars.

What happens if I get sick or have an accident in Europe and I don’t have travel insurance?

If you need medical assistance during your trip, you’ll have to pay out of pocket for any care you receive at the hospital or a doctor’s office. If you have a European Health Insurance Card, you can go to a public medical center. You’ll have to pay out of pocket, but you can file a claim for reimbursement once you return to your home country.

What should I do if I have travel insurance and get sick or have an accident in Europe?

If you get sick or injured while abroad, contact your insurer to find out which medical center or hospital to go to. You can go to the nearest public hospital or clinic if you have a European Health Insurance Card.

What is the age limit for getting travel insurance for Europe?

Some insurers have age limits on their policies, such as Heymondo and SafetyWing, which cover individuals up to 69 years old. Other companies have higher age limits or no limits at all.

Can I extend my travel insurance to Europe if I’m already traveling?

The ability to extend your coverage depends on the insurer. For example, SafetyWing policies automatically renew every 28 days until you select an end date. Heymondo allows you to take out a policy if you’re already traveling, but you’ll have to wait 72 hours after purchasing it for it to go into effect.

Does my travel insurance for Europe cover a flight canceled by the airline?

Generally, European travel insurance doesn’t cover flights that are canceled by the airline. If you want this type of coverage, look into Cancel For Any Reason insurance.

I hope this guide helps you find the best travel health insurance for Europe and that you feel better prepared for your trip. Remember, if you need a Schengen visa to enter the Schengen Area, you’ll need proof of insurance to get the visa.

However, even if you don’t need a Schengen visa, it’s still worth getting European travel insurance . It’s always safer to travel with insurance coverage. This way, you can enjoy your trip and have peace of mind knowing you won’t have to pay any medical bills and cancellation fees out of your own pocket.

Again, Heymondo is the best European holiday insurance , offering excellent coverage for a reasonable price and direct, upfront payments for medical expenses. If you decide to buy a policy, take advantage of our 5% Heymondo discount code below.

Stay safe, and have a wonderful time in Europe!

Don't miss a 5% discount on your HeyMondo travel insurance  

and the only one that pays all your medical bills upfront for you!

Ascen Aynat

14 replies on “ 4 Best Travel Insurance for Europe in 2024 ”

Is there a Schengen insurance that covers the UK on the same trip?

Hi Supinda, Yes, with the companies above, you can find European travel insurance plans that cover Schengen countries and the UK.

I wish to travel multiple trips to Europe 4-5 days duration

4-5 trips per year Mostly with my kids

Then I recommend you annual multi-trip travel insurance instead.

Let me know if you have any questions, Ascen

We are a family of four and applying for long term resident visa for Spain. We need health insurance for the visa. What do you recommend?

How long are you planning to stay in Spain. I usually recommend Heymondo, but if you’re staying for long, maybe it’s better to get a health insurance instead of a Travel Insurance,

Thanks, Ascen

Great information. Thank you so much for the information. Amazing services are there. i am very glad to see this blog. in the Schengen visa Itinerary also, providing good services like Flight Itinerary, Hotel Reservation and Travel Insurance are there.

hi Nigeria passport holder want to attend 15 days course in amsterdam Netherland base in Dubai UAE which travel insurance do you recommend for me thanks

I would try this one.

Let me know what you think.

We are a family of five traveling to Italy from the US. We are planning to do some hikes there. Which insurance do you recommend?

If you are going to have any kind of hiking or adventure sport I would go with insuremytrip standard for sure. It is the best insurance for Europe if you plan up to 2000m.

Thanks for this great post! I found all the info I need to decide which is the best travel insurance for my trip to Europe. I hope don’t have to use it though

I am glad to read you! Let me know if you have any question and safe travels!

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For your holidays in Europe and abroad

Travel insurance for europe .

Europe may be known to world leaders and businesses for its central position in trade and commerce or its unique geographical location between the two ‘Old World’ continents – Asia and Africa. But for travelers and explorers worldwide, it is a destination that offers the best of everything. From a vibrant history and cultural heritage to arts, architecture, nature, and food, Europe is diverse in every sense of the word. It offers everything that one may wish for on vacation. It also caters to all types of travelers. Whether you’re a backpacker or one who goes all out on their trips, you can explore Europe in your style. No wonder everyone has Europe on their list of must-visit places. Considering how popular a travel destination in Europe is, you may already know a thing or two about the region. However, travelers often overlook a few things that are worth knowing. Let’s take a look…

Discover our Travel Insurance for Europe

Travel insurance germany | travel insurance italy, is travel insurance for europe a requirement , europe travel faqs, what documents do i need to travel to europe.

• Passport with a minimum of six months validity and at least one blank page for every European country you intend to visit.

Does Europe require International Medical Coverage?

What vaccinations are required to visit europe.

• Hepatitis A and B
• Tick-borne Encephalitis
• Routine Vaccines – Flu, Polio, MMR, Shingles, Chickenpox, and Diphtheria-Tetanus-Pertussis

What is the best time of year to visit Europe?

What is the local currency of europe and its exchange rate for usd, are credit cards widely accepted in europe if yes, which ones, what local customs and cultural norms tourists visiting europe should be aware of.

• Tipping isn’t as common in Europe as in the US.
• Don’t expect everyone to know English in countries other than the UK.
• Beware of pick-pocketing; it’s common in many parts of Europe.
• In Italy, denying food is considered impolite, so it is best to accept it when offered.
• Americans are often referred to as irritating in Europe due to their loud nature. Be polite and talk at a lower volume as much as you can.

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Planning a romantic weekend or a family holiday in the sun? You don’t want to think about the worst happening while you’re away, but if you’re injured or have an accident while away,  European travel insurance can help. 

What is European travel insurance and do you need it?

European travel insurance covers your trip to Europe, as well as some other countries such as Morocco , Tunisia and Egypt if you pick an annual policy . 

Carrying a GHIC card in the EU gives you access to some medical treatment at the same price as local residents. However, it’s important to also buy travel insurance for your European trip. A GHIC card won’t cover all medical costs or repatriation to the UK. It doesn’t help with issues such as loss of your belongings or cancellation of your holiday. Plus, it won’t work in some European countries, such as Norway . 

The ABI found that a holidaymaker in the Canary Islands with a GHIC card still ended up with a medical bill of £67,000 . Costs included private treatment and medical repatriation back to the UK. Luckily they had travel insurance which covered these expensive medical costs.

Our policies are quick and easy to set up: 

• Get protection for the situations a GHIC card doesn’t cover: While it’s important to carry a GHIC card , it’s recommended that you have travel insurance too. This will cover you for medical repatriation, as well as cancellation and loss of personal belongings
• The right cover for your trip: InsureandGo Europe policies already cover over 100 sports and activities and we have a wide variety of add on options. Whether you’re planning a European cruise , golf holiday or some time on the slopes . 
• Cover your medical conditions : We will consider all pre-existing medical conditions  
• Save time and money with a multi-trip policy: If you’re going away more than once this year, it may be cheaper to buy an annual policy . Remember, our European annual policies even include some countries outside of Europe.  Morocco, Egypt, Madeira and the Azores are all included
• Get a quote in just a few clicks: Get your quote online today , just answer a few questions about your trip and who you want to cover. Once you’ve bought your policy, manage it easily online or give our team a call

Cover and excess levels will vary. Have a look at our policy wording to see the full terms and conditions for any policy you are interested in.

Guide to travel insurance for Europe

Guide to Travel Insurance for Europe

Why do I need travel insurance for Europe?

Europe-travel Insurance covers you for travel to a European country. This type of insurance covers you for medical emergencies while abroad, which is vital to prevent unexpected medical bills and unnecessary complications that could arise when you’re away. Emergency medical assistance in some areas of Europe can exceed £250,000.

What’s covered with Europe travel insurance?

• Emergency medical expenses cover.
• Cancellation cover.
• 24/7 Emergency medical helpline.
• Repatriation cover to bring you back home.
• Cover for your belongings and baggage.

But I already have the GHIC?

You should carry your Global Health Insurance Card (GHIC) when travelling in the EU. This will entitle you to free, or reduced cost medical treatment, but it’s important to still have travel insurance to cover costs that the cards don’t cover, as well as repatriation back to the UK.

What countries are included in European travel insurance?

InsureandGo’s European holiday insurance policies cover all European countries. You’ll be covered for all countries bordering the Mediterranean Sea, plus Madeira and The Azores

Is Turkey included in holiday insurance for Europe?

Yes, you can travel to Turkey with InsureandGo’s European policies!

Are Egypt, Morocco and Tunisia covered by Europe travel insurance?

We include these countries in our Europe travel insurance, so our customers don’t have to buy more expensive worldwide cover if visiting these countries.

How to get travel insurance for Europe

Getting a quote is as easy as 1, 2, 3

1. Start your quote for your European holiday.

2. Declare any medical conditions. Select and tailor your cover.

3. Buy your cover and relax. we’ll take care of the rest.

Go without the doubt. Get your European travel insurance at insureandgo.com or call FREE on 0800 072 6810.

What does InsureandGo’s European travel insurance cover?

What’s covered.

Our travel insurance for Europe includes:

• Emergency medical expenses cover
• Cover for cancellation of your trip
• Over 100 sports and activities covered (see your policy wording for a full list of activities)
• Personal belongings and baggage cover
• Personal money, passports and travel documents cover
• Legal expenses cover
• Delayed departure cover
• Personal accident cover
• Our 24-hour emergency assistance team , available to call, day or night
• Plus our annual European holiday insurance even includes some countries outside of Europe! You’ll be covered for countries bordering the Mediterranean Sea, Madeira , The Azores and more.

Find out about our optional add ons for activities like extreme sports , winter sports , cruises and golf . 

We will consider all pre-existing medical conditions, find out more about medical travel insurance . 

The excess and amount of cover available varies depending on the level of Europe travel insurance you buy. Check the policy wording to see the full terms and conditions.

What’s not covered?

We aim to provide as much cover as we can on our policies. However, there are some situations no travel insurance will cover. For example:

• You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
• Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
• All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go

To check the policy exclusions and what is and isn’t included, take a look at our policy wording .

The best travel insurance for your Europe trip

Looking for the best European travel insurance? From policies covering the whole family , to cruise cover and annual travel insurance , find the right policy for you:

• Cruise cover : Get covered while at sea and for problems such as cabin confinement and missed port departure
• Sports and activity cover : Our policies already include over 100 sports and activities at no extra cost. Add on optional cover for things like extreme sports , winter sports , cruises and golf
• Travel insurance Europe single trip policies : Whether you’re planning the perfect city break or a long leisurely holiday. Tell us where you’re planning on going and we will send you a quote 
• Annual trip travel insurance for Europe : If you’re hoping for more than one European break this year, you may save time and money with an annual policy . Plus, our European annual travel insurance includes some countries outside of the region. Including those bordering the Mediterranean sea.
• Family travel insurance for Europe : Get every member of the family covered, fast. One quote and one policy for your whole group 

Choose a cover level to suit your travel needs

Which destinations are covered by our european travel insurance.

Our cover for European trips includes all of Europe, plus even more! Our annual policies cover countries to the west of the Ural mountains and those surrounding the Mediterranean, such as Morocco , Tunisia and Egypt .

If you buy an annual multi-trip policy for Europe, you’ll be covered to travel as often as you want in:

How to book our travel insurance for Europe

We know you just want to get on with looking forward to your holiday, so we make European travel insurance simple:

1. Tell us about you and your trip

Let us know dates, where you’re going and who you want to cover, as well as information about any pre-existing medical conditions .

Do it today online or by calling our team:

2. Get your quote

We’ll give you your quote and you can either choose to buy a policy or save the details for later.

“Europe is the perfect destination, right on our doorstep but filled to the brim with possibilities for your next holiday! You can even cover some countries outside of the region on our annual European policies, including Morocco, Egypt, and Tunisia.” Lydia Crispin – Travel insurance expert

Our reviews speak for themselves

With over 60,000 5 star reviews, don’t just take our word for it…

“ We renewed our travel policy today, an annual multi-trip for Europe. Prianka was the lady who dealt with us and she was wonderful, calm, patient as we went through a list of medical conditions. She put my wife and I at our ease and we were very pleased with the resulting policy. “ Allan – Date of experience:  08 February 2024

Europe travel insurance with pre-existing medical condition cover

At InsureandGo, we’ll consider all medical conditions. Our online medical screening process is simple, and we’ll quickly be able to give you a quote. 

You must declare your pre-existing medical conditions when you buy European travel insurance. Otherwise, you won’t be covered if you have an emergency that’s related to your condition while you’re away. 

For more information, have a look at our page on travel insurance for pre-existing medical conditions or read our policy documents .

Frequently asked questions on travel insurance for Europe

Do you need travel insurance for europe.

You’re not legally required to have travel insurance in Europe, but unexpected events can occur on your trip. Travel insurance means you’re covered for a range of issues, including:

• Medical and hospital expenses 
• Cancellation of your trip
• Any activities you plan to do  
• Personal belongings and baggage
• Personal money, passports and travel documents 
• Accommodation 
• Delayed departure 
• Personal accident

Do you need a Global Health Insurance Card (GHIC) and travel insurance?

It’s important to buy travel insurance as well as carrying your GHIC (also know as EHIC) card when travelling in Europe. Although the GHIC Card will give you some free or reduced healthcare in EU countries, it won’t cover all costs such as medical repatriation. It’s also worth noting that since Brexit, the card will not work in some European countries. Always check the FCDO advice before you travel.

Our Europe travel insurance also covers issues such as delayed departure and cancellation, which won’t be covered by a GHIC card.

How much is travel insurance for Europe?

European travel insurance tends to be cheaper than insurance for trips further afield. However, it will be impacted by where you’re going. For instance, Spain tends to have higher medical costs than the rest of Europe. Other factors that may affect price include: 

• The level of policy cover you go for
• Whether you want an annual or single trip policy
• Any policy add-ons you need 
• Any pre-existing medical conditions

Call our team on 0808 281 0594 or get a quick and easy quote online now .

Does travel insurance cover both the European Union and Schengen area?

Yes. Our European policies cover countries within the EU and the Schengen area . We also include some other countries under an annual European policy, such as Morocco , Tunisia and Egypt .

Is Turkey included in Europe holiday insurance?

Yes, you can travel to Turkey with InsureandGo’s European policies.

Why are Egypt, Morocco and Tunisia covered by Europe travel insurance?

As well as being near to Europe geographically, countries such as Egypt , Morocco and Tunisia are close to Europe in terms of claims costs. This means we can include these countries in our annual Europe travel insurance, so our customers don’t have to pay out for more expensive cover.

Do I need a visa to travel in Europe?

Currently, British passport holders are allowed to travel through the EU and Schengen zone * without visas for a maximum of 90 days.

Make sure you check out the latest travel advice for trips to Europe to ensure you have the correct cover for your trip.

*The countries which are part of the Schengen zone are: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.

Can you help if I need medical treatment while in Europe?

Our 24-hour emergency assistance team is available with all of our policies. Ring us night or day if you become ill or are injured while abroad.

Please note: These 24-hour lines are for medical emergencies only.

Who can buy an InsureandGo European travel insurance policy?

All our Europe travel insurance policies are available to UK residents. This means:

• Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
• They must be in the UK at the time of purchase
• All trips must start and end in the UK

Get a quote online or browse our policy documents for more information.

Frequently asked questions

If you’ve got more questions about how our European travel insurance works, or more general travel insurance queries, have a read through our FAQs .

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

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Home » Europe » Travel Insurance For Europe – Must Read!

Travel Insurance For Europe – Must Read!

What springs to mind when you think about Europe? Pottering around museums? Hiking through verdant valleys? Mooching around fairytale castles? Sipping a coffee in a plaza and dining on pastries, pizzas, and tapas? Craning your neck to peer up at cathedral domes? Ploughing through winter powder in the Alps?

Well, that’s what you’ve got to look forward to on your travels in Europe and much more! The world’s second-smallest continent sure packs a lot of history, culture, nature, and diversity into its 44 countries. It’s also one of the best places to get your next adrenaline fix.

But this blog post isn’t going to help you plan your interrail adventure or tell you how to hop around the Greek islands. We’re not even going to tell you where you can find the best croissants in Paris. No, today’s topic is the juiciest topic in the whole travel – Europe travel insurance!

Month to month payments, no lock-in contracts, and no itineraries required: that’s the exact kind of insurance digital nomads and long-term traveller types need. Cover yo’ pretty little self while you live the DREAM!

Do I Need Travel Insurance For Europe?

 what should travel insurance in europe cover, what is the best europe travel insurance, how to choose the right europe travel insurance for you.

The short answer is maybe.

Depending on your passport country and which European countries you plan to visit, you may be required to purchase travel insurance in Europe. Travel insurance is a mandatory requirement for travellers who must apply for a Schengen visa . You will be required to show proof of your travel insurance for Schengen visa at application.

When searching for the best Europe travel insurance for your Schengen visa, make sure that the coverage follows the requirements. It must include all Schengen countries you intend on visiting, to a minimum of at least 30,000 EUR ($34,000 USD). Also, double-check exactly which countries are in the Schengen zone. There are 26 Schengen Countries present, but you can expect further countries to be added. Confusingly, countries that are in the Schengen zone are not necessarily in the EU (European Union).

But for those of you who do not require a visa for the Schengen passport-free zone, travel insurance is not mandatory. And if you don’t need a visa, you’re probably thinking, ‘well do I really need travel insurance for the Schengen zone?’ Those who can travel in the Schengen visa-free zone are not technically required to purchase insurance for holidays in Europe. As well as that, you can glide through borders without the scrutiny of immigration. Neat, ey!

For those of you who aren’t legally required to purchase Europe travel insurance, you might be wondering if it’s worth it. Particularly with Europe not exactly being the cheapest continent on the planet, it’s a way to save a few pennies. But it’s because of the high costs of healthcare in many European countries that we’d suggest you do give some thought. Remember that there are a diverse number of awesome activities in Europe you might fancy sampling. You might want to hire a vehicle, or could fall victim to petty crime. We definitely recommend all travellers to Europe at least checking out the options and giving it some thought.

Now, before you start brushing up on your German, note that not all European countries are part of the EU. Europe refers to all countries within the borders of the European continent. The EU is a political and economic association that comprises 27 countries. As with the Schengen zone, new countries join the club each year. Meanwhile, others opt to leave… but let’s not drop the B-word.

Finally, the eastern countries of Turkey, Armenia, Georgia, and Azerbaijan straddle both Europe and Asia so remember to check that your travel insurance in Europe covers these regions.

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Healthcare in Europe

As far as you need to know as a tourist, medical facilities in Europe are some of the best on the planet. Scandinavian countries Norway, Denmark, Sweden, and Germany triumph as some of the most well-developed healthcare systems in the world. France has the best healthcare in the world by population. Meanwhile, Spain has recently been reported as the healthiest country in the world, with Italy and Iceland hot on its heels. Most European countries have a universal healthcare system. Typically, this is a combination of private and government-funded institutions.

EU citizens should obtain a European Health Insurance Card (EHIC) before travelling through Europe. This free card allows the holder access to emergency healthcare at the same rate as residents of whatever country you happen to be in. It’s valid in any of the 27 EU countries, plus Iceland, Liechtenstein, Norway, Switzerland, and the United Kingdom. If you don’t have access to this card, you will need to rely on your travel insurance in Europe covering your treatment. If you do carry an EHIC card, remember it’s only for emergency healthcare. It won’t cover routine check-ups, nor will it cover travel disruption, theft, or other hindrances on the road. If you eat too many ice creams in Italy, you’ll be needing your Rome travel insurance to pay for your new filling.

The only thing to note about Europe’s fabulous healthcare: if you’re caught out and need to fund your own treatment, the prices can sting. Take Switzerland as an example. A consultation with a doctor can cost around CHF 137 ($142 USD). We don’t know about you, but we’d rather spend that on a Swiss watch or a box of chocolates. Even the Swiss tend to give it a miss, with 20% of Swiss residents opting not to see their doctor due to the prices. Remember that although the EHIC incorporates Swiss emergency treatment, EU travel insurance might not cover Switzerland.

And the other thing; as healthcare operates uniquely to each country, not all healthcare is equal in Europe. In Romania, a consultation with a doctor will cost around $40 USD, which is a fraction of what you might pay in the US or Australia. But Romania is said to have the ‘worst’ healthcare system in the EU, with only 10% of doctors operating in rural outposts. You’ll want to check out the specifics of the country(ties) you intend to visit, so you know what to expect.

Crime in Europe

European crime rarely targets travellers. Overall, it’s an extremely safe continent to travel. For this reason, Europe remains as popular as ever with solo travellers and young, gap-year backpackers. Ten European cities can be found in the top 30 safest cities in the world , with Amsterdam sitting pretty at number four. For even more reassurance, it was reported recently that of the top 50 cities in the world with the highest murder rate, not a single European country made the cut.

Terrorism attacks, political unrest and riots do happen sporadically in European cities. Although these are rare enough, you might want to factor in a clause for civil disturbance in case this affects your travel plans. Some European cities (more so in the East) are known for higher levels of corruption, bribery and theft. No need to let that put you off visiting these fascinating destinations, just keep your wits about you.

The main criminal activity to be aware of in Europe is pickpocketing and petty theft. It is not uncommon for tourists to have wallets, smartphones, or cameras scooped out of their pockets in tourist hotspots. Take extra caution when travelling by metro, touring busy museums, or attending festivals. If you hire a vehicle, ensure that you do not leave valuables in it overnight. Car theft and break-ins are on the rise. Choose travel insurance for visitors to Europe which covers you in the event of a robbery.

And is it just us who thinks €40 for a dorm bed is outright robbery?

Issues Facing Travellers in Europe

Europe is a pretty safe destination. There are no poisonous creatures, you’re unlikely to encounter rabies, and food hygiene is generally high.  That’s not to say Europe isn’t without its snags.

If you’re planning on cruising around the continent in a rental car or campervan, check which Europe travel insurance covers you in the event that your vehicle is damaged or stolen. Many providers of insurance for Europe holidays allow this as an additional add-on. If you’re travelling as part of a tour or using budget flights, be mindful of cancellations. It’s not uncommon for agencies and airlines to go bust overnight.

While you’re unlikely to experience an earthquake in Europe, the continent can be ravaged by storms. Storm Ciara recently played havoc with travellers in Western and Northern Europe, with strong winds grounding hundreds of flights. Volcanic ash closed multiple airports in 2010 . The cheapest Europe travel insurance won’t always include protection against disruption from natural disasters, so do check.

Europe is renowned for its cultural attractions and historical gems. But while you’re umming and ahhing over the La Sagrada Familia, you never know who might be ogling your new iPhone, vulnerably sticking out of your pocket. Be sure to protect your valuables with your Barcelona travel insurance.

Common Activities in Europe

And now for the boring bit, activities in Europe! During summer months, Europe’s gorgeous rural landscapes are a playground for outdoor enthusiasts. You can take your pick from hiking, horseback riding, zip-wiring, rock climbing, and cycling. Although these are relatively safe activities, there are some risks attached. Europe Travel Insurance gives you peace of mind in case you take a tumble.

The annual Sail Week in Croatia sees fleets of flotilla parties descend to tour the islands. If you’re more of a landlubber, Europe is renowned for its music festivals. For both these activities, bear in mind cover for cancellation, theft, or injury from any hedonistic shenanigans.

Come winter, Europe’s mountains are dusted with powder and the scents of raclette and spiced wine. 12 out of 30 of the best ski resorts in the world are located in Europe. But be sure to read the small print carefully when comparing the best insurance for your Europe ski trip. Winter sports are usually an added extra in most cases. And don’t make the mistake of thinking your EHIC card would cover helicopter rescue – it doesn’t.

Depending on what you plan to do on your trip, pay very close attention to what activities are and are not covered. Find out which activities require a surplus fee. You might find that the cheapest travel insurance for your Schengen visa doesn’t include certain activities.

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

In our experience, most Europe travel insurance policies will probably include the following;

Emergency Accident & Sickness Medical Expenses

Luggage and personal property, emergency evacuation and repatriation, non-medical emergency evacuation, trip cancellation, trip interruption.

We feel that these are the most common key terms to look out for when you are comparing different insurance policies. We will not examine each one of these to see what they actually mean.

Emergency Medical costs are perhaps the single most important aspects of any travel insurance policy. If you have an accident or become seriously ill with a tropical illness, you may want to rest easy knowing that the medical costs will be taken care of.

Many of you may have never seen a medical bill. However, we have seen too many for our liking and believe us, they can get very expensive very quickly. A friend of mine was once charged $10,000 for a leg infection in Costa Rica. Even 2 days in a Thai hospital cost him nearly $2,000.00! Thankfully he was insured on both occasions.

Pre-existing medical and health conditions may not be covered under this or they may be covered for an additional premium. For senior travelers, in particular, it’s important to find specialized senior travel insurance that considers their unique requirements and health conditions.

Ideally, Emergency Accident & Sickness Medical insurance should offer at least $100,000.00 of coverage but some run into the millions. If you are visiting the US, then do have a serious think about this.

Luggage and Personal property coverage covers the value of your bags and what’s in them. It is most commonly used for lost luggage and Many policies also extend this to cover “on the ground” theft which comes in very useful if you are robbed once you reach your destination.

The limits on this do vary between policies. However, the maximum value rarely exceeds $1000 with a maximum item value between – $250 – $500.

This is probably enough for many travellers. However, if you travel with a lot of electrical gear (laptop & camera), or are packing golf clubs or something, you may also wish to think about taking out a separate gadget cover.

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Want more deetz on why these packs are so  damn perfect? Then read our comprehensive review for the inside scoop!

Emergency evacuation covers the cost of sending you back to your home country in a hospital. Let’s say that the above mentioned tropical illness is a very nasty one, and the decision is taken to send you home for further treatment; this will take care of the high costs of flying you home on a drip.

Repatriation is the cost of sending your remains home in the rare event that you die on your trip. Repatriation costs are not a burden I would want to leave to my family. Whilst this is thankfully rare, I do come across Facebook or “Go Fund Me” campaigns for somebody’s body to be flown home.

Non-medical Emergency Evacuation is when you have to be evacuated because of some sudden crisis.  Examples are outbreak of war/civil unrest and natural disasters that decimate infrastructure such as the South Asian Tsunami of 2006.

In more recent times, the Corona COVID-19 outbreak created the biggest international emergency evacuation situation ever. (FYI – it straddled both the medical and non-medical evacuation boundaries).

Emergency evacuation insurance covers the costs of having to book an emergency flight home ( which can be seriously expensive) and will also cover accommodation costs if you end up being flown to a random, “safe” country rather than going straight home.

Having to cancel an adventure that you were truly excited for is painful. However, being left out of pocket just makes it worse. Trip Cancellation cover can help you to recover the ‘non-refundable costs’ of your trip such as flight and hotel costs. Visa’s are also in this category.

To clarify, you can’t claim this simply because you changed your mind about the trip or fell out with your travel buddy. Proper cancellation reasons are things like sickness, family emergencies, bereavement, natural disaster and war – you get the gist.

Trip Interruption is when something goes wrong, even interrupts, and you have additional costs to pay because of it. One example, when your pre-paid hotel falls down and you are forced to book another one. Another example is when your flight home is cancelled and you need a few extra nights at your hotel.

Anything Else?

The above are what we consider to be the basic, bare-bones of travel insurance policies. However, some policies do offer a few more aspects to them. The very best Europe travel insurance policies may also include the following;

Adventure Sports and Activities

Please note that Adventure sports and activities are not covered by all travel insurance policies. The definition of adventure sports and activities really does vary between providers but for example, can include;

• Trekking (altitude is usually a factor here)
• Swimming with Whales
• Improvised football games….

If you are going to be doing anything remotely physical or outdoorsy on your trip, then it may be sensible to check that your insurance provider is covering it. Broken jaws hurt enough without having high medical bills attached to them.

Accidental Death and Dismemberment

Accidental Death & Dismemberment cover doesn’t cover any travel related expenses as such but instead it basically provides you (or your next of kin) with monetary compensation in the event that something happens to you.

If you die, your loved ones get a payout. Or, if you lose a digit, YOU get a payout. I mean, how much is a finger really worth to you anyway?

It’s kind of like having a bit of life cover attached to your travel insurance.

“Well dear, I’m afraid there is good new and bad news. The bad news is that your parents both died on their trip to Europe. The good news is that you get $10k!”

Gear and Electronics Cover

Some insurance policies do cover electronic gadgets but others do not. Those that do, sometimes charge an additional fee and they also usually limit the maximum item value.

If you only travel with a phone or a tablet then your travel insurer may well cover it entirely. However, if like me you travel with a MacBook, then you may wish to consider obtaining gadget cover.

Personally, I have had separate gadget cover on my MacBook Pro for years.

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Whilst they may all seem the same, not all insurers are. Some insurers offer lower prices than others and others offer higher coverage amounts. Some are infamous for not paying claims whilst others are celebrated for being fair and helpful.

Travel insurers – always the same yet always different. It isn’t possible (or legal) for us to say that anyone of them is the best, or is “better” than the others. No. Insurance is a very complex product and any policy takes into account a whole lot of data and a wide set of variables.

Remember that the “best” travel insurance always depends on where you are going, when you are going there and ultimately upon you and your needs. The best travel insurer for one trip, may not be the best for a different trip.

Below, we will introduce a few of the many travel insurance providers on offer. These are all firms we have used ourselves over the years.

SafetyWing are a relatively new player in the travel insurance space but are already making big waves. They specialise in cover for digital nomads and they offer open ended cover on a monthly subscription basis. Because they primarily cover digital nomads, they don’t offer much in the way of trip cancellation or delay so do take that into consideration.

However, SafetyWing really excels on the health side of travel insurance, covering dental and some complimentary treatments. In fact they even allow young children to be covered for free.

If cancellation and delay is not a concern for you or if you will be spending some considerable time on your trip, then maybe SafetyWing are right for you

• Emergency Accident & Sickness Medical Expenses – $250,000
• Baggage and Personal Property – $3000
• Emergency Evacuation and Repatriation – $100,000
• Non-Medical Emergency Evacuation – $10,000
• Trip Cancellation -$0
• Trip Interruption – $5000

If you need more information or want to get a quote, then you can visit the website for yourself.

Talk about efficient and effective, Heymondo are up-to-date when it comes to combining travel insurance with technology in the digital world of 2024. What truly sets them apart is their assistance app offering a 24-hour medical chat, free emergency assistance calls and incident management. How reassuring is that?! They also have a convenient and complication-free way to make a claim straight from your phone.

Medical expenses are covered up to $10,000,000 USD so try not to damage yourself anything over that amount… If you’d like travel insurance that operates with that little extra swiftness and ease, give these guys a go. They offer multiple options – single trip, annual multi-trip and long stay. We’ve focused on single trip, but do check out the others and find what fits your next adventure.

• Emergency Accident & Sickness Medical/Dental Expenses –$10,000,000 USD
• Baggage and Personal Property – $2,500 USD
• Repatriation and Early Return – $500,000 USD
• Non-Medical Emergency Evacuation – $10,000 USD
• Trip Cancellation – $7,000 USD
• Trip Disruption – $1,500 USD
• Covid 19 coverage included in all plans

If you need more convincing, click our link below to get 5% off your Heymondo travel insurance plan!

Columbus Direct

Named after one of history’s greatest (and most divisive) explorers, Columbus Direct also specialise in insuring adventure-hungry explorers like us. They have been providing award-winning insurance for 30 years. What we like about this plan is that it does cover small amounts of personal cash. However, Gadget Cover is not available.

Columbus Direct actually offers a number of different travel insurance plans. Below we have focused on 1 of these and have set out the coverage amounts for the Globetrotter plan.

• Emergency Accident & Sickness Medical Expenses – $1,000,000
• Baggage and Personal Property – $750
• Emergency Evacuation and Repatriation – $1,000,000
• Non-Medical Emergency Evacuation – $0
• Trip Cancellation -$1,000
• Trip Interruption (“Catastophe”) – $750

World Nomads

World Nomads have been insuring backpackers for years now. World Nomads specialise in backpacker travel insurance and their policies cover long way travel on one way tickets, trips to multiple countries and a whole lot of adventure activities. These guys are well used to dealing with backpackers like us, and they are regularly recommended by travel bloggers and industry insiders. We love them.

They offer 2 different policies depending on your needs. The Standard Plan is standard & the Explorer Plan covers a whole host of high risk, high fun activities. World Nomads are also one of the few travel insurers who will write you a policy after starting your trip. The one downside for us is that they don’t cover Pakistan.

Let’s look at the maximum coverage amounts with both the Standard & Explorer plan.

• Baggage and Personal Property – $1000/$3000
• Emergency Evacuation and Repatriation – $300,000/$500,000
• Non-Medical Emergency Evacuation – $25,000/$25,000
• Trip Cancellation -$2500/$10,000
• Trip Interruption – $2500/$10,000

If you want more info or to get a quote then visit the World Nomads site for yourself and take a look.

Iati Seguros

Iati Seguros is a Spanish based travel insurance company who we have personally used and loved. You will notice that they provide competitive cover amounts for the key travel insurance areas, and are competitively priced. So far we have heard nothing but good things about them.

They also offer multiple ones, but we have focused on the Standard Plan although we wholly encourage checking out all plans for yourself to identify the best one for your needs.

Standard Plan

• Emergency Accident & Sickness Medical Expenses – $200,000
• Baggage and Personal Property – $1000
• Emergency Evacuation and Repatriation – 100% of cost
• Trip Cancellation -$1,500
• Trip Interruption – 100% of cost

Insure My Equipment

Insuremyequipment.com does precisely what the name suggests. They are an online insurer for expensive equipment (like camera gear & gold clubs). You can use them to get specific pieces of gear insured but please bear in mind this policy is only for your specified gear.

An Insure My Equipment policy works well in combination with other travel insurance. Insure My Equipment policies are an excellent choice for professionals and backpackers with more $0000’s worth of camera equipment, expensive laptops or fishing rods.

I also know a few travelling musicians and DJs who use these guys so you are in cool company.

Choosing the right travel insurance for your Europe holiday is like choosing a career. A lot of people will give you advice but only you can decide the best way to ruin your life. The good news though is that unlike a career, travel insurance is pretty easy to change!

In order to work out what the best travel insurance for your trip to Europe is, you need to add up how much your trip is worth, how much equipment you plan to take with you and think about what activities you intend to engage in.

You also need to ask yourself how much you can afford. This means how much you can afford to pay for the cover, but also how much you can afford to be out of pocket in the unlikely event that something goes wrong. Sometimes, the cheapest Europe travel insurance will be enough for you but sometimes it will be worth spending a bit more.

Hopefully the information provided in this post will help you to decide. If not, then I guess I just wasted 6 hours of my life in writing it.

Safety in Europe

Backpacking Europe

Coolest Party Hostel in Europe

Europe Packing List

Final Thoughts on Europe Travel Insurance

And that’s a wrap on our guide to travel insurance in Europe! We know; riveting stuff, isn’t it!

We hope this blog has clarified any thoughts you had over travel insurance for visitors to Europe. Remember to pay attention to different policies concerning Schengen travel insurance and EU travel insurance. Shop around a little to find the right provider for your personal needs. Now that’s ticked off your travel to-do list, why not check out some of our awesome Europe content. We’ve got all the lowdown on the coolest places to visit, where to stay in Europe, and what you can expect to pay.

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

Aiden Freeborn

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Travel Insurance for Europe

Whether you fancy a city break filled with romance in Paris, a visit to the beautiful beaches of the Canary Islands or you want to witness the majestic beauty of the Northern Lights, Europe has a destination for almost every type of holiday.

While holidays to France are all about culture and great food, trips to Iceland allow you to see Europe’s wilderness and wildlife at its beautiful best. Alternatively, you can take a trip as far away as Russia, and learn more about the country’s history or be mesmerised by the beauty of Red Square. If you’d rather shop until you drop, try Milan’s gorgeous designer boutiques.

With so much choice, it can be hard to pick just one destination, which is why interrailing has become so popular. You can leave with your backpack and explore everything this beautiful continent has to offer on one trip. If you’re taking an extended break in Europe, then our  Backpacker  insurance could be a good fit.

Below is some more information about our insurance products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

Why do you need travel insurance for Europe?

You may think that travel insurance isn’t as important when you’re staying closer to home, but the truth is, things can still go wrong.

For example, your flight might be cancelled, your luggage may be lost, or your valuables could be stolen by pickpockets at busy tourist attractions. Thankfully, travel insurance for Europe can help protect you against these risks and more. Accidents can happen wherever you are but, with European travel insurance, you’ll have peace of mind knowing that you’re protected if something doesn’t go to plan. 

What's covered?

We offer three types of holiday insurance for Europe: Single Trip , Annual and Backpacker .

Our Single Trip travel insurance for Europe covers you for a maximum of 180 days at any one time. But, if you’re planning on going away more than once this year, then our Annual travel insurance for Europe may be a better fit. It covers you for an unlimited number of trips, up to 31 days in duration over a 12-month period. Alternatively, if you’re aged 50 or under and you’re travelling across Europe to a number of destinations as part of a career break or a gap year, then you could find that our Backpacker insurance is a better option.  

Across our Single Trip and Annual policies, we also offer three different levels of cover: Bronze, Silver and Gold. These have different payment limits and excess amounts.

With our travel insurance for Europe, you can be protected against: 

• Cancelling or curtailing your trip
• Emergency medical and associated expenses
• Loss of passport*
• Delayed personal possessions
• Lost, stolen or damaged personal possessions*
• Loss of personal money*
• Personal accident cover
• Missed departures
• Delayed departures
• Personal liability
• Legal expenses
• End-supplier failure**
• *Not available with Bronze level cover
• **Only available with Gold level cover
• Terms and Conditions apply.  

If you have any activities planned, you can also choose to purchase additional cover. If you’re planning on skiing in the picturesque Val-d'Isère, then our Winter Sports and Ski add-on can protect you against things like piste closure and lost ski equipment. 

To understand exactly what you're covered for and to find out whether any exclusions apply, please read your policy documents . If you have any questions about your policy, please get in touch with us.

Frequently Asked Questions

Our European travel insurance covers all of Europe* and some destinations outside mainland Europe, such as Morocco. Countries covered by our European travel insurance include:

• Continental Europe
• Islands in the Mediterranean
• The Channel Islands
• The Isle of Man
• The Canary Islands
• The Republic of Ireland

*Please note that you will not be covered if you travel to a country or region that the Foreign, Commonwealth and Development Office has advised against all travel or against all but essential travel. 

The cost of taking out a travel insurance policy for Europe will vary, depending on the type and level of cover you choose, your age and whether you purchase any add-ons. If you have any pre-exisitng medical conditions, this will affect you eligibility for cover.

To find out how much your holiday insurance for Europe will cost, get a quote today. 

All prices we quote include Insurance Premium Tax (IPT).

Currently, you do not need a visa for short trips to Iceland, Lichtenstein, Norway, Switzerland and any country in the European Union (EU). If you don’t have a visa, you can stay for up to 90 days in any 180-day period. This 90-day limit is an accumulation of the time spent in all of these countries during the 180-day period. If you exceed this limit, you may require a visa.

These rules are slightly different for visits to Bulgaria, Croatia, Cyprus and Romania. Only the time spent within any one of these countries counts towards the 90-day limit within the 180-day period.

You may require a visa if you are travelling for business, work or study. It's also possible that you’ll need to complete the online ETIAS  application form before setting off.

Bear in mind that with our European Annual Travel Insurance, we include some countries that are outside the EEA for example Egypt and Libya. You will need a visa to travel to these countries. You can check the entry requirements  here.

If you’re travelling within the European Union (EU), then an EHIC card is an important document to have. It is not however a replacement for European travel insurance. Also, despite the UK leaving the EU in January 2021, the EHIC remains valid for UK holders until the expiry date of their card. However, once your EHIC has expired you will have to apply for a Global Health Insurance (GHIC). The GHIC will take the place of the EHIC and can be applied for and ordered now if you don't already own an EHIC.

Both the EHIC and the GHIC entitle you to cheaper (sometimes free) emergency treatment in a number of EU countries. Although the card entitles you to the same treatment as local citizens, you should be aware that many countries do not have their version of the NHS, so you may still have to pay for some aspects of healthcare.

For this reason, you should still take out travel insurance for Europe. That way, your medical bills will be included in your cover, and you’ll also be covered for things like cancellations, delayed flights and delayed personal possessions.

If you’re taking a holiday in the UK, travel insurance is still important. Although you won’t need health insurance because you still have access to the NHS, your European travel insurance will still cover things like cancellations, lost luggage and stolen possessions.

Our Annual travel insurance for Europe includes the UK, so your staycation will be covered if you choose ‘Europe’ as your area of cover.  Special UK only rates are also available on our Single Trip policies

Other popular products from Allianz Assistance

Annual Multi-Trip Travel Insurance

Single Trip Travel Insurance

Backpacker Travel Insurance

Family Travel Insurance

Cruise Travel Insurance

Get active on your next holiday with our sports and leisure add-ons.

Winter Sports & Ski Travel Insurance

Sports & Leisure Insurance

Read our blogs, the latest travel advice and news from allianz assistance uk..

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Getting Travel Insurance for a Multi-Destination Vacation: 2024 Guide

The best travel insurance for a multi-destination trip depends on your desired coverage, trip value and budget.

With our trusted partner,  travelinsurance.com

Charlotte Whitaker is a content writer and PR professional currently writing for clients in the travel, tourism and recruitment industries. Coverage highlights for her PR clients include publications such as National Geographic, Forbes, Travel+Leisure, TimeOut and CNN. When she’s not writing, you can find her traveling to the next destination on her bucket list or relaxing in the countryside of the north of England, which she calls home.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Multi-destination travel insurance can protect your investments by covering each location on your itinerary with one policy versus multiple. Whether you’re considering backpacking through Asia or taking a cruise across the Mediterranean, travel insurance for a multi-destination vacation is worth considering for peace of mind in case of trip interruptions.

Read on to learn more about what to consider when choosing travel insurance for a multi-destination trip.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

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Benefits of Multi-Destination Travel Insurance

Opting for multi-destination travel insurance for your next trip can cover nonrefundable and prepaid trip costs, valuables and personal effects across each destination you visit. We’ve highlighted the main benefits of choosing a multi-destination travel insurance plan for your next trip below.

Easier Shopping Process

By only having one policy for your multi-trip plans, especially if you’re traveling with family members or travel companions, you compare quotes for one centralized policy rather than multiple at a time. As a result, you can more closely review one plan rather than buy several single-trip plans to cover each location on your list.

Offers More Convenience

A multi-destination trip insurance plan covers all your destinations under one policy so you don’t have to concern yourself with purchasing multiple policies for one trip. You can also file claims through one policy, rather than having to worry about navigating multiple at a time.

You Don’t Have To Change Your Itinerary

You will not have to make any sacrifices to your itinerary with a multi-destination trip. If you want a beach break, safari and cultural retreat to the heart of a capital city, you can choose all three and have peace of mind with multi-trip travel insurance.

Coverage Options for Multi-Country Travel Insurance

A multi-destination policy should include the same protections as standard travel insurance, whether you choose single-trip coverage or an annual plan for frequent travelers. We’ve detailed what multi-destination policies typically cover below:

Trip Cancellations, Interruptions and Delays

Trip cancellation coverage offers reimbursement of nonrefundable, prepaid costs if your trip gets canceled for a covered reason, typically before departure. Trip interruption coverage will reimburse costs if your trip is cut short due to an incident outlined in your insurance policy, such as a flight delay. In both cases, you would receive partial or full reimbursement for flights, accommodations or other costs.

Travel delays coverage offers protection if you miss booked transport for reasons outside your control, including flight connections. Often if you experience a trip delay, your insurance providers may reimburse you for lost costs plus additional expenses incurred due to the interruption. For example, your provider may pay for food or lodging you book while delayed, or cover the cost of a new airline ticket.

Cancel For Any Reason Coverage

Also known as CFAR, cancel for any reason coverage allows you to cancel your trip for reasons outside those specified in your travel insurance plan. You will receive a refund of any prepaid costs up to a certain limit, as outlined in your policy. Providers often set a minimum period of time in which you can use CFAR coverage to receive a refund.

Most standard insurance policies do not automatically include CFAR coverage, but rather offer it as a policy add-on for extra money.

Emergency Medical Coverage

Multi-destination insurance with travel medical coverage will help cover the cost of emergency medical expenses you incur while traveling. Covered costs may include the following:

• Emergency medical expenses, such as staying in a medical facility, ambulance fees or emergency assistance
• Medical care or treatment for an injury or illness
• Emergency medical evacuation coverage
• Repatriation of remains

Insurance providers may also offer add-on coverage for accidental death and dismemberment. Keep in mind that U.S.-issued health insurance may not work on an international trip. Without travel insurance, you would have to cover health care expenses out of pocket.

Lost, Damaged or Delayed Baggage

Baggage coverage is included in multi-destination insurance plans to offer reimbursement if your luggage is lost, damaged or delayed. Your policy will allow reimbursement up to a certain limit, which will vary depending on the insurance plan you select.

Other Travel Insurance Benefits

In addition to standard protections, more comprehensive policies may include other coverages such as rental car damage, travel assistance services and sporting gear rentals. While some policies include extra coverage in the total cost, other companies may offer benefits as policy add-ons.

Factors To Consider When Choosing Multi-Destination Trip Insurance

There are a few factors to consider when shopping for multi-destination trip insurance to ensure a policy is well suited to your travel needs and budget.

Check the Coverage You Already Have

Before purchasing travel insurance, check your credit cards and health insurance to see what coverage you already have. Some credit card companies offer levels of travel insurance and your health insurance plan may extend abroad. You may be able to save money by utilizing existing coverage rather than purchasing a comprehensive travel policy.

Trip Details

Where you are going and for how long can impact the type of travel insurance you need. Be sure to include travel days so the whole length of your trip is included in your travel insurance plan. You may also need specific protections based on your destinations and what you plan to do. For example, you may want a policy with rental car coverage if you plan to rent a vehicle.

Pre-Existing Medical Conditions

Many travel insurance plans may not cover treatments related to pre-existing medical conditions. However, your provider may offer a waiver if you declare pre-existing conditions within a certain time frame after purchasing travel insurance. Obtaining the right level of medical coverage is important in the event you have to file a claim, notably for senior travelers with pre-existing conditions.

Coverage Limit and Exclusions

Usually travel insurance plans include a maximum amount the provider will payout for each covered item. For example, your policy may include $1 million in emergency medical benefits and $500 for baggage loss. It is best to consider the amount of coverage you may need and select a plan that offers those limits. However, higher levels of coverage may cost more than standard policies.

Exclusions refer to anything your travel insurance does not cover, such as injuries related to extreme sports. Review your travel insurance policy documents to ensure you know about coverage exclusions and can purchase additional coverage if necessary.

Deductibles

Like with most insurance products, a deductible is the amount you will have to pay before your travel insurance provider will payout claims. Deductible amounts can range from hundreds to thousands of dollars, so it is an important factor to consider when choosing a policy. For example, you may have a $500 deductible for lost luggage. Make sure you select a deductible amount you can afford if you have to file a claim.

How Much Does Multi-Destination Travel Insurance Cost?

To help you understand travel insurance costs, we requested quotes from multiple providers for both multi-destination and single-destination costs. You can also explore cheap travel insurance policies if you are on a budget.

As you’ll notice, international travel insurance for multi-destination trips is slightly more expensive than single-trip coverage . Based on our quotes, the difference in price between the two types of insurance is between $10 to $16, depending on the provider

We based the below quotes on a two-week single trip to Italy and a two-week multi-destination trip to Italy and another European destination for a 33-year-old traveler. Quotes reflect the cheapest option of travel protection for each travel insurance provider. Your cost may vary based on your home country and specific trip details.

Backpackers vs. Annual Multi-Destination Travel Insurance

You may encounter travel insurance for backpackers versus annual multi-destination travel insurance in your search for a policy. While both coverages can protect travel to multiple destinations, there are distinct differences between the two.

Backpacking typically involves weeks or months of continuous travel and carries its own set of unique risks. If you plan to trek through remote areas abroad, we suggest you consider a plan that offers generous payouts for medical emergencies. Note that backpacker travel insurance will not cover things such as wear and tear on your sports equipment, extreme sports and other activities not explicitly named in your policy, or backpacking treks through high-risk destinations.

As the name suggests, annual multi-destination travel insurance covers multiple trips over a period of time, typically up to 12 months. It’s ideal for people who travel frequently but return to their home base between adventures. High coverage limits for trip delays , interruptions or cancellations are often a high priority for those needing this type of insurance.

Tips for Finding the Right Multi-Destination Travel Insurance

The following tips can help travelers find the best coverage for their multi-destination trip:

Research Travel Insurance Providers

A good starting point before choosing a travel insurance plan is to research what options are available to you. You may find several insurance providers that offer plans to travelers across the globe or smaller companies based in your local area. Don’t discount available options before learning more about each company and the services offered.

Read Customer Reviews

There are multiple platforms and resources available online to help you evaluate travel insurance providers for multi-destination vacations. You can check whether an insurance provider is reputable by consulting platforms like the Better Business Bureau and Trustpilot. Consulting online reviews and business service scores can help you form an opinion about each provider and better understand the customer experience.

Make Sure You Have Enough Coverage

As previously mentioned, trip protection will have varying coverage limits that apply to each component of your insurance policy. Therefore, you should choose a plan that offers adequate coverage for your trip. For example, if you plan to travel with expensive items in your luggage, opt for a plan with a higher baggage coverage limit. Or you can select a policy that includes extra valuables coverage.

Is Multi-Destination Travel Insurance Worth It?

Multi-destination vacations are a great way to explore multiple countries, cities and cultures all in one trip. With multi-destination insurance, you can cover a trip to more than one destination under one central policy. Based on our research, multi-destination insurance costs between $62 to $83, which is only $10 to $16 more than single-trip policies.

While there are multiple considerations to make when choosing travel insurance coverage, investing in trip protection can be worth it . Frequent or business travelers may also opt for annual travel insurance coverage, which includes a set number of trips per year.

Frequently Asked Questions About Multi-Destination Trip Insurance

Does single-trip travel insurance cover multiple destinations.

In short, yes. It is possible to cover multiple destinations under a single-trip travel insurance policy as long as you visit each location within the duration of your policy. If you’re traveling for a set amount of time, no matter the number of destinations, it is still considered one trip.

Is buying comprehensive travel insurance worth it?

Comprehensive travel insurance can be worth it if you require a higher level of coverage and the price fits your budget. A comprehensive policy will likely be more expensive due to having fewer coverage exclusions, unique benefits, higher limits and lower deductible options.

Does travel insurance cover trips to every country?

Travel insurance companies offer coverage to travel to almost every country in the world. However, providers may issue exclusions if a country is in a state of war or has high terrorism risks. Some countries also require travel insurance as a condition to enter as a visitor.

Depending on the travel insurance provider, you can specify coverage for select countries or will receive coverage for an area or continent, such as South America.

Can I purchase travel insurance during my trip?

Most travel insurance companies do not allow you to buy coverage after departure. Generally, each policy provider will have different requirements about how late you can book your insurance. Some providers — such as Allianz — may allow you to purchase last-minute insurance if your trip has already started. Most companies recommend buying travel insurance before your trip begins so you have coverage in the event of an emergency.

Do I need coverage if I’m making a stopover and not leaving the airport?

It depends on the travel insurance company. Most providers will cover a person during layovers if you do not leave the airport. However, if you have a long layover and plan to use it for sightseeing, you’ll need to include the layover location when listing your destinations on a travel insurance policy.

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More From Forbes

Planning a vacation here’s your 2024 summer travel insurance guide.

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The joy of a summer vacation. But do you have protection for your trip?

Planning a vacation this summer? Yeah, you and just about everyone else.

More than 9 out of 10 Americans say they'll travel more this year, according to a recent Nationwide Travel Insurance survey . Most of those trips will happen in June, July and August.

Not just that, but 40 percent of the respondents say they'll spend more this year than last year. So how do you protect your vacation investment?

Travel insurance is the standard answer, but what kind of insurance — and how do you find it? That's the question many Americans are wrestling with as they make their travel plans.

Protecting your vacation is a serious concern this summer, experts say.

“Travelers are beefing up their trip protection with security advisory and extraction protection," notes Dan Richards, CEO of The Global Rescue Companies .

It's not just that they're spending more. It's that there's more to lose. The ongoing war in Ukraine, the Hamas attacks on Israel, and other violent conflicts have made travel insurance a key part of trip planning.

This summer may break travel records, experts say.

Best Travel Insurance Companies

Best covid travel insurance plans, it's going to be a busy summer for travel.

Overall policy sales for the 2024 summer travel season are up this year, but there's a spike in sales for policies in August, which is typically the busiest time of the summer. "Sales are up more than 25% over last year," says Stan Sandberg, co-founder of travel insurance site TravelInsurance.com .

Western Europe continues to be the most popular summer destination for Americans, with some notable hotspots. Travel insurance sales for Greece are up over 60% this year compared with 2023, followed by Norway and Portugal, which are up 57% and 52%, respectively, according to Sandberg.

Everyone's travel insurance needs are different, according to the pros.

What should you insure when you travel this summer?

Laura Heidt, the insurance desk manager for Brownell Travel in Birmingham, Ala., says there are some things every travel insurance policy should cover this summer.

"I always recommend people insure for the unexpected, such as flight delays, missed connections and medical coverage while out of the country," she says. "If you are willing to forgo the cancellation and delay coverages, which are typically the most expensive parts of a policy, you should still, absolutely, cover yourself with at least the medical component."

Heidt says she's seen a 10% boost in travel insurance sales for this summer compared with the same time last year, and many people are opting for the pricier "cancel for any reason" policies, which allow you to cancel your trip and receive a partial refund of your prepaid, nonrefundable travel expenses.

Travel insurance companies are seeing a similar trend.

"A majority of travelers choose a comprehensive travel insurance plan which includes coverage for trip cancellation, emergency medical, lost or delayed baggage and delay," explains Tim Dodge, vice president of marketing at Arch RoamRight .

He says this year, travelers are purchasing travel insurance on average within 11 days of their trip deposit to receive the additional benefit of the waiver exclusion for pre-existing conditions.

If you're traveling with kids, you'll need extra travel insurance protection.

Get a policy that's tailored to your needs

Travel insurance comes in all shapes and sizes. So you'll want to try a few on for size before you buy. You can actually do that, since most policies have a "free look" period that makes them fully refundable for the first week or two (depending on the policy).

"It's important to consider your specific travel plans and any potential disruptions in order to protect your investment," says Robert Gallagher, president of the US Travel Insurance Association (USTIA).

He says traditional plans offer coverage for unexpected cancellations, interruptions, delays, emergency medical expenses and lost or delayed baggage. For international travel, USTIA advises opting for a plan with emergency medical and medical evacuation coverage.

It also depends on who you're traveling with. For example, if you're traveling with your children, you'll want to consider a family-friendly priced travel insurance plan. But your destination also matters, says Carol Mueller, vice president at Berkshire Hathaway Travel Protection (BHTP).

"For young families, I typically recommend the ExactCare plan due to its pricing of two children at no additional cost for every one adult on the policy," she says. "However, for families venturing abroad, I’d suggest considering a plan like BHTP's LuxuryCare, which is designed to meet the distinctive needs of a high-investment vacation.”

You have choices when it comes to family coverage. For example, Allianz’s OneTrip Prime plan also includes coverage for kids 17 and younger when traveling with a parent or grandparent.

Medical evacuations can be expensive.

Look beyond travel insurance for extra protection

Mike Hallman, CEO of the air medical transport and travel security program Medjet , says MedjetHorizon memberships are selling briskly. They offer 24/7 security and crisis response, as well as transportation to a hospital at home if you're injured. Travelers are skittish even if they aren't going bungee-jumping.

"With geopolitical tensions still growing — all the riots in France, Italy, Ecuador and other tourist destinations over the last year — and crime causing the threat level to be raised for the Bahamas and Jamaica, it’s no wonder," he adds.

He makes a good point. Travel insurance can cover many of the events you're likely to encounter, such as a missed connection, lost luggage or a medical emergency. But it's also important to know what isn't covered — and to make plans accordingly.

Beware of travel insurance "overconfidence"

The summer travel season is still a few months away, but insurance experts are worried. Yes, they've seen a general uptick in insurance sales, but some travelers remain unprotected.

"We've started to see early signs that travelers are exercising less caution and are slightly less likely to sign up for travel insurance," says Joe Cronin, CEO of International Citizens Insurance .

By comparison, travelers purchased plenty of medical insurance in 2020 and 2021 because of the pandemic. Cronin believes travelers were terrified of getting stuck with COVID-19 in a foreign country without insurance.

"To those who are thinking about traveling internationally without travel insurance, my recommendation is to spend a few minutes looking deeper before deciding," he adds.

Some types of insurance, such as a standalone medical policy, cost just a few dollars a day. A medical evacuation membership is also affordable. And even full-featured travel insurance policies can be cost-effective when you consider the benefits.

"Don’t put your summer travel memories, or your investment, at risk by forgoing the right vacation coverage," says Daniel Durazo, director of communications at Allianz Partners USA . "With international travel peaking during the summer season, an unprotected trip can leave travelers on the hook for costs resulting from an unexpected trip delay or medical emergency abroad."

Bottom line: Seriously consider travel insurance to protect your trip — and don't be overconfident. You never know what might happen this summer.

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If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Our top picks for the best international travel insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured
• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

How we rate the best international travel insurance »

Best overall: Allianz

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TraveSmart, Allainz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz travel insurance review here.

Best for exotic trips: World Nomads

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads travel insurance review here.

Best for trip interruption: C&F Travel Insured

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our Travel Insured review here.

Best for family coverage: Travelex

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex insurance review here.

Best for long trips: Seven Corners

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners travel insurance review here.

How to find the right international travel insurance company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

• Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
• Determine your budget and the amount of coverage you require. 
• Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations. 

Research the reputation of the company 

• Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews. 
• Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably. 
• Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

• Get quotes from multiple providers to compare rates and coverage options.
• See if the company provides discounts or special offers to lower your cost. 
• Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it. 

Understanding international travel insurance coverage options 

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the best price for international travel insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

How we reviewed international travel insurance companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

Which company has the best international travel insurance?

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

Is international health insurance the same as travel insurance?

International health insurance and travel insurance serve different purposes. While both may cover medical expenses, international health insurance provides long-term health insurance for working abroad. Meanwhile, travel insurance offers short-term coverage for the duration of your trip. 

What insurance do you need for international travel?

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Should you get travel insurance for international travel?

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

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What we know about unauthorized immigrants living in the U.S.

The unauthorized immigrant population in the United States reached 10.5 million in 2021, according to new Pew Research Center estimates. That was a modest increase over 2019 but nearly identical to 2017.

The number of unauthorized immigrants living in the U.S. in 2021 remained below its peak of 12.2 million in 2007. It was about the same size as in 2004 and lower than every year from 2005 to 2015.

The new estimates do not reflect changes that have occurred since apprehensions and expulsions of migrants along the U.S.-Mexico border started increasing in March 2021 . Migrant encounters at the border have since reached historic highs .

Pew Research Center undertook this research to understand ongoing changes in the size and characteristics of the unauthorized immigrant population in the United States. The Center has published estimates of the U.S. unauthorized immigrant population for more than two decades. The estimates presented in this research are the Center’s latest, adding new and updated annual estimates for 2017 through 2021.

Center estimates of the unauthorized immigrant population use a “residual method.” It is similar to methods used by the U.S. Department of Homeland Security’s Office of Immigration Statistics and nongovernmental organizations, including the Center for Migration Studies and the Migration Policy Institute . Those organizations’ estimates are generally consistent with ours. Our estimates also align with official U.S. data sources, including birth records, school enrollment figures and tax data, as well as Mexican censuses and surveys.

Our “residual” method for estimating the nation’s unauthorized immigrant population includes these steps:

• Estimate the total number of immigrants living in the country in a particular year using data from U.S. censuses and government surveys such as the American Community Survey and the Current Population Survey.
• Estimate the number of immigrants living in the U.S. legally using official counts of immigrant and refugee admissions together with other demographic data (for example, death and out-migration rates).
• Subtract our estimate of lawful immigrants from our estimate of the total immigrant population . This provides an initial estimate of the unauthorized immigrant population .

Our final estimate of the U.S. unauthorized immigrant population, as well as estimates for lawful immigrants, includes an upward adjustment. We do this because censuses and surveys tend to miss some people . Undercounts for immigrants, especially unauthorized immigrants, tend to be higher than for other groups. (Our 1990 estimate comes from work by Robert Warren and John Robert Warren; details can be found here .)

The term “unauthorized immigrant” reflects standard and customary usage by many academic researchers and policy analysts. The U.S. Department of Homeland Security’s Office of Immigration Statistics also generally uses it. The term means the same thing as undocumented immigrants, illegal immigrants and illegal aliens.

For more details on how we produced our estimates, read the Methodology section of our November 2018 report on unauthorized immigrants.

The unauthorized immigrant population includes any immigrants not in the following groups:

• Immigrants admitted for lawful residence (i.e., green card admissions)
• People admitted formally as refugees
• People granted asylum
• Former unauthorized immigrants granted legal residence under the 1985 Immigration Reform and Control Act
• Immigrants admitted under any of categories 1-4 who have become naturalized U.S. citizens
• Individuals admitted as lawful temporary residents under specific visa categories

Read the Methodology section of our November 2018 report on unauthorized immigrants for more details.

Pew Research Center’s estimate of unauthorized immigrants includes more than 2 million immigrants who have temporary permission to be in the United States. (Some also have permission to work in the country.) These immigrants account for about 20% of our national estimate of 10.5 million unauthorized immigrants for 2021.

Although these immigrants have permission to be in the country, they could be subject to deportation if government policy changes. Other organizations and the federal government also include these immigrants in their estimates of the U.S. unauthorized immigrant population.

Immigrants can receive temporary permission to be in the U.S. through the following ways:

Temporary Protected Status (TPS)

In 2021, there were about 500,000 unauthorized immigrants with Temporary Protected Status . This status provides protection from removal or deportation to individuals who cannot safely return to their country because of civil unrest, violence or natural disaster.

Deferred Enforced Departure (DED) is a similar program that grants protection from removal. The number of immigrants with DED is much smaller than the number with TPS.

Deferred Action for Childhood Arrivals (DACA)

Deferred Action for Childhood Arrivals is a program that offers protection from deportation to individuals who were brought to the U.S. as children before June 15, 2007. As of the end of 2021, there were slightly more than 600,000 DACA beneficiaries , largely immigrants from Mexico.

Asylum applicants

Individuals who have applied for asylum but are awaiting a ruling are not legal residents yet but cannot be deported. There are two types of asylum claims, defensive and affirmative .

Defensive asylum applications are generally filed by individuals facing deportation or removal from the U.S. These are processed by the Department of Justice’s Executive Office for Immigration Review. At the end of 2021, there were almost 600,000 applications pending.

Affirmative asylum claims are made by individuals already in the U.S. who are not in the process of being deported or removed. These claims are handled by the U.S. Department of Homeland Security’s Citizenship and Immigration Services (USCIS). At the end of 2021, more than 400,000 applications for affirmative asylum were pending, some covering more than one applicant.

Here are key findings about how the U.S. unauthorized immigrant population changed from 2017 to 2021:

• The most common country of birth for unauthorized immigrants is Mexico. However, the population of unauthorized immigrants from Mexico dropped by 900,000 from 2017 to 2021 , to 4.1 million.
• There were increases in unauthorized immigrants from nearly every other region of the world – Central America, the Caribbean, South America, Asia, Europe and sub-Saharan Africa.
• Among U.S. states, only Florida and Washington saw increases to their unauthorized immigrant populations , while California and Nevada saw decreases. In all other states, unauthorized immigrant populations were unchanged.
• 4.6% of U.S. workers in 2021 were unauthorized immigrants , virtually identical to the share in 2017.

Trends in the U.S. immigrant population

The U.S. foreign-born population was 14.1% of the nation’s population in 2021. That was very slightly higher than in the last five years but below the record high of 14.8% in 1890.

As of 2021, the nation’s 10.5 million unauthorized immigrants represented about 3% of the total U.S. population and 22% of the foreign-born population. These shares were among the lowest since the 1990s.

Between 2007 and 2021, the unauthorized immigrant population decreased by 1.75 million, or 14%.

Meanwhile, the lawful immigrant population grew by more than 8 million, a 29% increase, and the number of naturalized U.S. citizens grew by 49%. In 2021, naturalized citizens accounted for about half (49%) of all immigrants in the country.

Where unauthorized immigrants come from

Unauthorized immigrants living in the U.S. come from many parts of the world, with Mexico being the most common origin country.

The origin countries for unauthorized immigrants have changed since the population peaked in 2007, before the Great Recession slowed immigration. Here are some highlights of those changes:

The number of unauthorized immigrants from Mexico living in the U.S. (4.1 million in 2021) was the lowest since the 1990s. Mexico accounted for 39% of the nation’s unauthorized immigrants in 2021, by far the smallest share on record .

The decrease in unauthorized immigrants from Mexico reflects several factors:

• A broader decline in migration from Mexico to the U.S.
• Mexican immigrants to the U.S. continuing to return to Mexico
• Expanded opportunities for lawful immigration from Mexico and other countries, especially for temporary agricultural workers.

The rest of the world

The total number of unauthorized immigrants in the U.S. from countries other than Mexico has grown rapidly. In 2021, this population was 6.4 million, up by 900,000 from 2017.

Almost every region in the world had a notable increase in the number of unauthorized immigrants in the U.S. from 2007 to 2021. The largest increases were from Central America (240,000) and South and East Asia (180,000).

After Mexico, the countries of origin with the largest unauthorized immigrant populations in the U.S. in 2021 were:

• El Salvador (800,000)
• India (725,000)
• Guatemala (700,000)
• Honduras (525,000)

India, Guatemala and Honduras all saw increases from 2017.

The Northern Triangle

Three Central American countries – El Salvador, Honduras and Guatemala – together represented 2.0 million unauthorized immigrants in the U.S. in 2021, or almost 20% of the total. The unauthorized immigrant population from the Northern Triangle grew by about 250,000 from 2017 and about 700,000 from 2007.

Other origin countries

Venezuela was the country of birth for 190,000 U.S. unauthorized immigrants in 2021. This population saw particularly fast growth, from 130,000 in 2017 and 55,000 in 2007.

Among countries with the largest numbers of U.S. unauthorized immigrants, India, Brazil, Canada and former Soviet Union countries all experienced growth from 2017 to 2021.

Some origin countries with significant unauthorized immigrant populations showed no change, notably China (375,000) and the Dominican Republic (230,000).

Detailed table: Unauthorized immigrant population by region and selected country of birth (and margins of error), 1990-2021 (Excel)

U.S. states of residence of unauthorized immigrants

The unauthorized immigrant population in most U.S. states stayed steady from 2017 to 2021. However, four states saw significant changes:

• Florida (+80,000)
• Washington (+60,000)
• California (-150,000)
• Nevada (-25,000)

States with the most unauthorized immigrants

The six states with the largest unauthorized immigrant populations in 2021 were:

• California (1.9 million)
• Texas (1.6 million)
• Florida (900,000)
• New York (600,000)
• New Jersey (450,000)
• Illinois (400,000)

These states have consistently had the most unauthorized immigrants since 1990 and earlier .

At the same time, the unauthorized immigrant population has become less geographically concentrated. In 2021, these six states were home to 56% of the nation’s unauthorized immigrants, down from 80% in 1990.

Detailed table: Unauthorized immigrant population for states (and margins of error), 1990-2021 (Excel)

Detailed table: Unauthorized immigrants and characteristics for states, 2021 (Excel)

Unauthorized immigrants in the labor force

The share of unauthorized immigrants in the U.S. workforce was slightly less than 5% in 2021, compared with 3% of the total U.S. population.

Demographics help explain the difference: The unauthorized immigrant population includes relatively few children or elderly adults, groups that tend not to be in the labor force.

Overall, about 7.8 million unauthorized immigrants were in the U.S. labor force in 2021. That was up slightly from 2019 but smaller than every year from 2007 through 2015.

Detailed table: Unauthorized immigrants in the labor force for states, 2021 (Excel)

Here are some additional findings about unauthorized immigrants as a share of the workforce nationwide and in certain states:

• Since 2003, unauthorized immigrants have made up 4.4% to 5.4% of all U.S. workers, a relatively narrow range.
• Fewer than 1% of workers in Maine, Montana, Vermont and West Virginia in 2021 were unauthorized immigrants.
• Nevada (9%) and Texas (8%) had the highest shares of unauthorized immigrants in the workforce.
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Globe Life Insurance Review

Globe life controversy, globe life insurance plans available, how much does globe life insurance cost, how to file a claims with globe life insurance, globe life insurance faqs.

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Globe Life Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Planning for the future is the foundation that continues to draw customers to life insurance companies like Globe Life. Since 1900, Globe Life has helped individuals to face the unexpected and ensure a secure financial future for loved ones.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable pricing on whole and term life insurance products
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all states except Massachusetts, Minnesota, New Jersey, and New York
• con icon Two crossed lines that form an 'X'. Whole life insurance death benefits are limited
• con icon Two crossed lines that form an 'X'. No options for investment or accelerated death benefits
• con icon Two crossed lines that form an 'X'. No claims filing options online

Life insurance is more diverse than ever before. Its foundation remains supporting families after the passing of a loved one. Globe Life issues 16.8 million policies, more than any of the nation's leading life insurance companies. But volume is only part of the picture.

Globe Life's zero-risk, money-back guarantee makes its policies an excellent fit for middle-income individuals looking to purchase directly from the company with no medical exam and short wait times. In addition, with benefits topping out at just $100,000, life insurance coverage from Globe Life is a good choice for individuals looking to supplement existing or employer-provided life insurance and those seeking coverage for additional family members.

However, even the best no medical exam life insurance doesn't always mean guaranteed acceptance. Buyers should expect medical questions, and the company may request medical records. Its underwriting decisions, especially for more comprehensive policies, will factor in this medical data.

Globe Life's forte is low-cost funeral plans, and customer reviews indicate it delivers on its promises. Kathy of Londonderry, OH, left a review on ConsumerAffairs after losing her 19-year-old grandson, saying, "I am so thankful to Globe Life. We could not have taken care of him without the policy. The funeral cost were paid very quickly with no stress of me handling anything and I could stay focused on what needed done."

Globe Life has been under pressure due to a series of investigations and lawsuits alleging a toxic work environment, deceptive consumer practices, and fraud. Its stock plunged about 50% in mid-April 2024 after a short-seller issued a scathing report describing, among other things, a work culture, "permissive of sexual assault, rape, racism, and widespread illicit drug activity" within American Income Life, a subsidiary of Globe Life. Globe Life denied the allegations, saying in a statement  that the short-seller "mischaracterizes facts and uses unsubstantiated claims and conjecture to present an overall picture of Globe Life that is deliberately false, misleading, and defamatory."

In March 2024, the Department of Justice subpoenaed AIL and Globe Life for documents related to Arias Organization, an affiliate insurance agency. The DOJ investigation, as well as two open investigations conducted by the Equal Employment Opportunity Commission, appear to be ongoing. 

Globe Term Life Insurance

Globe Life offers term life insurance coverage ranging from $5,000 to $100,000. Policies are purchased directly from the company with no medical exam and quick underwriting. Once your application is approved, Globe Life benefits and monthly premiums remain fixed when policyholders make payments on time.

Like any other term policy, Globe Life's policies expire after the set term. Globe Life mentions converting term policies to whole life insurance policies to make coverage permanent. But the website is light on details, focusing on extremely low premiums for specific customers. Globe Life's term life policies are available for adults and children. All applications are subject to underwriting approval. So the pricing listed online (and your acceptance) may vary when you secure the policy.

Globe Whole Life Insurance

Globe Life offers whole life policies with benefits from $5,000 to $50,000. You can purchase policies directly from the company with no medical exam and no long wait times. Rates remain constant for life, as does coverage (when premiums are paid on time), which means you can rest assured in your chosen coverage.

Remember, Globe Life's underwriting will not approve every application, especially with higher limits. No medical exam does not translate into no medical information required. Buyers will need to answer some medical questions, and the company can pull electronic medical records to make its decision. No medical policies are typically sold to select groups like seniors looking for funeral policies or young, healthy buyers willing to pay higher premiums for lower coverage to avoid a medical exam.

Globe Children's Life Insurance

Whole life insurance for kids (or grandkids) is available from Globe Life in numbers ranging from $5,000-$30,000. Full coverage and benefits begin on day one. Available with no medical exam and zero waiting, a hassle-free policy from Globe Life might be the easiest part of welcoming a new member to your family. Benefits remain constant for life, despite age, health status, or occupation when premiums are paid on time.

As with its adult policies, Globe Life offers children whole and term life insurance options. Applicants who get approval for children's policies can also buy more comprehensive policies as adults. However, these smaller policies offer a gateway into life insurance and its financial benefits early in life. Children's life insurance can be a wealth-building tool, particularly with its whole life policies. It's never too early for financial planning.

It's easy to find comparable adult policies through other companies. However, Globe Life's life insurance for children faces less competition overall.

Globe Final Expense Life Insurance

Many of Globe Life's policies could be considered "final expense" policies. By this, we mean the limits are low and only meant to cover funeral costs and a small amount of debt. However, it provides a specific product for seniors comfortable with lower coverage amounts. As a result, approval is often more straightforward.

This policy type comes with obvious limits (the death benefit). However, buyers should also be aware of other limitations, like the inability to build cash value over time. So no matter how long you live, the value will remain the same.

Additional Coverage Options Offered by Globe Life

Accidental Benefits Insurance

You can prepare for the unexpected and the financial strain that can accompany it with an extra layer of protection. Accidental death insurance from Globe Life provides up to $250,000 worth of coverage in the case of accidental death for just $1 to start. In addition, acceptance is guaranteed regardless of health for individuals aged 18-69. Additional benefits, furnished at no extra cost, include coverage for myriad issues from inflation and education to dismemberment and paralysis.

Accidental death coverage only pays out if you're killed in an accident. Causes could include travel-related accidents, trips and falls, poisonings, etc. It would not cover terminal illnesses, extended injuries after an accident, or dying from old age. Globe life also has a supplemental accidental insurance product. Accidental death coverage helps buyers with ambulance riders, ICU stays, and other medical costs of accidents that don't result in death.

Mortgage Protection Insurance

You can protect your family's biggest asset and a potential source of stress in the event of your accidental death. For just a fraction of your monthly mortgage payment, this type of accidental death and dismemberment policy provides between $50,000-$350,000 to pay off your home mortgage. If the payout doesn't pay off your mortgage, loved ones could then look into options to refinance the smaller debt to lower monthly payments.

Rates start at just $5.50 per month, and acceptance is guaranteed for individuals ages 18-69. Additional benefits, furnished at no extra cost, include coverage in the case of a common disaster or commercially scheduled airline accident, among others.

One important thing to note is this is an accidental death and dismemberment policy. In short, it's not a comprehensive plan for every cause of death. Benefits would only apply after a covered accident. The limits are part of what makes this policy so cheap. It's excellent for a policyholder's prime working years but may not be as beneficial for retirees.

Globe Life's advertised rates are affordable, with types of life insurance  for adults and children starting at $1 for the first month, after which the rate is based on the individual's current age and guaranteed for the policy terms. Unlike some competitors, Globe Life also offers a limited money-back guarantee. If unsatisfied, return your policy within 30 days for a full refund.

Globe Life offers many cheap plans with low payouts. These are great for buyers on a tight budget or those seeking easy approval for a funeral cost plan. However, buyers looking for large plans for retirement or other financial planning would find better products with other companies.

Anyone can file a claim with Globe Life, including a spouse, child, another beneficiary, or a family spokesperson (including a representative from a funeral home). Providing the following information will expedite the claims process:

• Life insurance policy number
• Contact info for the beneficiary
• Official death certificate
• Copy of obituary
• Coroner's and/or police report (in the case of accident, homicide, or suicide)

Once gathered, mail all documents to the following:

Globe Life Inc.

PO Box 8076

Attn: Life Claims Department

McKinney, TX 75070

On average, it takes Globe Life 10-15 days to receive, log and process the information included in the above documents. Please bear in mind processing times can vary. Globe Life representatives will notify you should additional information be needed.

It only takes a few minutes to complete its easy online application. Once approved, Globe Life will send a copy of your policy via mail.

Obtaining additional life insurance coverage for family members is easy with Globe Life's e-ServiceCenter. New applications for adults and children are accessible with your current login information if you have an existing plan. New customers can also apply online or over the phone.

Once you've begun the claims process, Globe Life offers phone and online-based customer service. Call Customer Service at 1-888-650-4081 or visit the company's eServiceCenter to check the status of a claim you've filed.

Globe Life Insurance Competitors

Learn more about Globe Life Insurance and whether it is the right life insurance company for you.

Globe Life vs. State Farm Life Insurance

Globe Life prides itself on simple, standard coverage delivering death benefits topping out at $100,000 compared to more robust options from State Farm . Globe Life focuses mainly on small funeral policies or accident coverage. State Farm offers larger payouts and options like its Survivorship Universal Life Insurance, which covers two individuals. So, for example, a husband and wife could buy a policy, and the value would be based on the couple's combined lifespan and qualifications.

Globe Life scored 798 on the latest JD Power US Individual Life Insurance Study. In short, the company earns consistently high marks from customers. Still, State Farm outranks Globe Life with a score of 843. With State Farm, applicants may have to submit to a medical exam. But the company offers more comprehensive policies to pay out in more flexible circumstances. It also has more permanent life insurance options to meet diverse needs. Most importantly, buyers can bundle State Farm life insurance with homeowners, auto, and other State Farm plans.

As you might expect from its JD Power rankings, State Farm customers have a lot to say about the package it provides. Mb of Palm Springs, CA, left a review on ConsumerAffairs , saying, "State Farm may or may not be the cheapest. However, their customer service is outstanding. They proactively contact me to review my insurance once a year. They always answer my questions quickly and clearly. If they don't know immediately, they are willing to admit they don't know and always follow-up ASAP."

State Farm Life Insurance Review

Globe Life vs. Mutual of Omaha Life Insurance

Globe Life has become known for its quick and flexible whole and term life policies. Especially with its accidental death policies, Globe Life offers no medical exam options with fast approvals. Mutual of Omaha is not quite as cheap. Term Life Express is the company's only option for life insurance with no medical exam. But it comes with significantly higher limits than any of Globe Life's policies for all causes of death (not just approved accidents) up to $300,000. The company's strong financial backing means building cash value is easy, as evidenced by options including Universal Life Insurance (boasting coverage over $1 million) and Indexed Universal Life Insurance (a flexible albeit risky way to build cash value).

Both companies have whole life policies. Again, Mutual of Omaha offers a diverse range of policies with higher benefits. Mutual of Omaha customers can enjoy accelerated death benefits in the event of a terminal disease and other riders. Its underwriting may take longer than Globe Life's, but the higher benefits will pay off in the long run for approved customers. At this time, both companies enjoy high customer satisfaction rankings with JD Power.

Most importantly, Mutual of Omaha will likely never offer the bargain policies Globe Life does. But customers still find pricing reasonable. Wendy of Enola, PA, reviewed Mutual of Omaha on ConsumerAffairs , saying, "I have a practical and effective insurance policy with great and affordable rates. Company has an excellent and easy to use website."

Mutual of Omaha Life Insurance

Globe Life vs. SBLI 

SBLI offers Cherish Life final expense insurance up to $35,000 in coverage with two significant benefits. SBLI customers can apply until age 80, and beneficiaries can use benefits to pay for any of the insured's expenses. Globe Life has a cut-off age of 75 to apply. Both companies offer whole and term life insurance policies. Both companies also have no medical exam life insurance options.

At this time, Globe Life's listed policy limits are low. Most policies cover funeral costs. Plans with higher benefits are mostly accident policies (it only pays out if you die due to a covered accident). SBLI doesn't list its limits on its site. However, it focuses on whole and term life insurance for any cause of death.

The customer reviews tell a great story about SBLI. Trustpilot reviewer Matthew says, "SBLI has always been a notch above all others in the insurance industry. We have had policies with them for about 8 years, and have never experienced anything but great service, honest and candid feedback, and they deliver exactly what they communicate!"

SBLI Review

Why You Should Trust Us: How We Reviewed Globe Life Insurance

Life insurance companies are compared based on product quality, insurance riders, net performance scores, pricing, and customer service. A diverse array of life insurance products is used to compare death benefit plans with life insurance designed for long-term financial planning. Opinions expressed here are wholly based on facts gathered.

Ratings are not decided based solely on marketing or single online reviews. Instead, we gather a broad mix of information to rank all insurance products consistently and fairly. Therefore, the best way to ensure you find the right policy is to utilize a qualified agent when shopping for life insurance.

You can read more about our rating system here .

What Does "No Medical Exam" Mean With Globe Life?

None of the life insurance products at Globe Life require a medical or physical exam. Instead, the insurer uses a series of health-related questions (part of the company's online application) to determine eligibility. Full transparency, especially with preexisting conditions, is essential. Dishonesty of any kind puts the insured at risk of policy cancellation or unpaid death benefits. You may be eligible for a small funeral costs policy even if you're denied a more comprehensive life insurance policy.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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