*Discount applies to the base price only and is automatically applied. Ends 29/02/24. T&Cs apply.

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Travel insurance Europe

Europe might be a big place, but that doesn’t mean your travel insurance for Europe has to have a big price. Whether you’re after cover for a one-off holiday or multiple trips throughout the year, InsureandGo can save you money.

What’s covered with Europe travel insurance?

As standard, our policies offer a range of benefits, some of which include:

Our Silver, Gold and Black policies also allow you to declare any pre-existing medical conditions.

Another thing to note is that our European holiday insurance policies even include some countries that aren’t in Europe! When choosing annual travel insurance  for Europe you’ll also be covered for all countries bordering the Mediterranean sea, plus Madeira and The Azores. See below for the full list.

We want you to have the best experience as possible on your trip to Europe, so we’ve put together a table of facts and some important information which you might want to know before your trip.

CurrencyMost of the European countries use the Euro but there are some exceptions
ContinentEurope
PopulationApprox. 743 million
Plug typePlug type C
Driving sideRight-hand side
SeasonsSpring – March to May
Summer – June to August
Autumn – September to November
Winter – December to February

Which countries are included in Europe Travel Insurance?

Our cover for European trips includes the whole of Europe, plus a whole lot more! Our policies cover countries to the west of the Ural mountains, and those surrounding the Mediterranean. Places such as Russia, Israel and Egypt are included in our travel insurance to Europe.

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

AlbaniaFranceMontenegro
AndorraGeorgiaMorocco
ArmeniaGermanyNetherlands
AustriaGibraltarNorway
AzerbaijanGreecePoland
AzoresHollandPortugal
BalearicsHungaryRomania
BelarusIcelandRussia
BelgiumIrelandSan Marino
Bosnia And HerzegovinaIsraelSerbia
BulgariaItalySlovakia
Canary IslandsLatviaSlovenia
CroatiaLiechtensteinSpain
CyprusLithuaniaSweden
Czech RepublicLuxembourgSwitzerland
DenmarkMacedoniaTunisia
EgyptMadeiraTurkey
EstoniaMaltaUkraine
Faroe IslandsMoldovaUnited Kingdom
FinlandMonaco

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 close 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 Europe travel insurance, so our customers don’t have to pay out for more expensive Worldwide cover.

Do I need a visa to travel to Europe?

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

Make sure you check out the latest travel advice for travelling 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.

Healthcare in Europe

UK residents should carry their European Health Insurance Card (EHIC) or 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 in place to cover any additional costs that the cards don’t cover, or to pay for repatriation back to the UK.

Please note that although Iceland, Norway, Switzerland and Lichtenstein used to accept the EHIC, post-Brexit neither the EHIC nor the GHIC will work in these non-EU countries.

It’s always important to check with your GP at least four to six weeks before you go to see if there are any necessary vaccinations needed for the destination you’re travelling to.

Europe travel insurance FAQs

Why do I need travel insurance for Europe?

Like any destination, unexpected events can occur on your trip. This is where travel insurance comes in. For example, if you needed emergency medical treatment while abroad or if your baggage was lost or stolen.

We don’t want to think about these things happening, but it’s best to make sure you’re prepared for them if they do.

Our Silver, Gold and Black policies include medical travel insurance for pre-existing conditions, up to an unlimited amount based on the policy you choose.

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 even include some other countries under the Europe region, such as Morocco, Israel and Egypt.

A complete list of countries covered can be found on our travel insurance Europe page.

How much is travel insurance to Europe?

Insurance for trips to Europe does not tend to be as expensive as travelling further afield. The price can be affected by the specific destination. For example, Spain has higher medical costs than most of Europe, so a policy for a trip to Spain may cost a bit more than one for Germany.

The cost can also be affected depending on whether you want single-trip travel insurance or annual multi-trip travel insurance. Generally, an annual policy will work out better value if you’re planning on having multiple trips to Europe.

What insurance do I need to travel to Europe?

Whilst travelling in Europe it’s a good idea to make sure you have cover for the following. 

  • Medical expenses and hospital benefit
  • Activity holiday insurance 
  • Cancelling and cutting short your holiday
  • Personal belongings and baggage
  • Delayed departure
  • Accommodation cover
  • Personal accident and liability

We also offer Cruise travel insurance if you’re planning on taking a European cruise.

Do I need an EHIC card to travel to Europe?

While you can travel without one, it is worth applying for a new GHIC card when your EHIC expires. The card gives you access to free or reduced healthcare in countries which are part of the EU. However, you should still ensure you have travel insurance to cover additional costs.

Note that, since Brexit, the EHIC/GHIC will not work in some countries. Always check the FCDO travel advice before you travel.

* Discount excludes any premium generated to cover medical conditions or optional extras & is automatically applied. This offer cannot be used in conjunction with any other offer. Discount tiers of 5% for premiums between £0-49, 10% for £50-249, & 20% for £250+ apply. Offer ends at 23:59 on 29/02/24. T&Cs apply

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