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, Europe travel insurance can help.
What is Europe 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 Global Health Insurance Card (GHIC) in the EU gives you access to some medical treatment at the same price as local residents. However, it’s also important to buy travel insurance for your European trip. A GHIC 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.
Why is Europe travel insurance important?
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 or a golf holiday, we’ve got you covered.
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.
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
Transcript
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 Europe travel insurance cover?
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. See below for the full list
What’s not covered?
We strive to provide as much cover as possible. However, there are some situations that no travel insurance will cover. For example:
You cannot cover events or reasons to claim that 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
We will consider all pre-existing medical conditions, find out more about medical travel insurance. The excess and the amount of cover available will vary depending on the level of travel insurance you buy. 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 European 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.
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.
Which destinations are covered by our Europe 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:
Europe travel insurance with pre-existing medical conditions
Securing travel insurance for medical conditions can be a concern, but there’s no need to worry. We’ll consider any medical condition and do our best to provide the best possible cover. Just follow our simple online screening process when you buy your policy, either over the phone or online.
Examples of medical conditions we can cover include:
We’ll give you your quote and you can either choose to buy a policy or save the details for later.
Our experts say…
“Europe is closer than you think, and it’s full of surprises. From weekend getaways to month-long adventures, Europe is packed with possibilities and just a short flight away. Even better? Our annual European policies don’t just stop at Europe. You’ll also be covered in Morocco, Egypt, and Tunisia, because adventure doesn’t always follow a map.”
“Having renewed automatically with InsureandGo, it is a good deal for the number of trips we take to Europe, and when I have had to claim, I have had no problems.”
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:
It’s important to buy travel insurance and carry your Global Health Insurance Card (GHIC) when travelling in Europe. Although the GHIC will provide you with some free or reduced-cost 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.
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:
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
