HomeTravel InsuranceTravel insurance for Europe

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: 

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

What does InsureandGo’s European travel insurance cover?

What’s covered?

Our travel insurance for Europe includes:

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:

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:

Choose a cover level to suit your travel needs

Medical expenses and repatriationUnlimited£15 million£10 Million
Cancellation and curtailment£10,000£7,500£5,000
Travel delayUp to £650Up to £540Up to £450
Personal belongings£5,000£2,500£2,000
Legal Expenses£60,000£50,000£15,000
Standard ExcessNil£50£60

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:

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:

AlbaniaCroatiaGreeceMadeiraSan Marino
ArmeniaCzech RepublicHungaryMoldovaSlovakia
BalearicsFaroe IslandsItalyNetherlandsSwitzerland
Bosnia And HerzegovinaGeorgiaLithuaniaPortugalUkraine
BulgariaGermanyLuxembourgRomaniaUnited Kingdom
Canary IslandsGibraltarMacedoniaRussia

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.

Our reviews speak for themselves

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

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
  • Your age

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:

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.

  1. Unlimited emergency medical expenses available on Black level policies.
  2. InsureandGo’s Gold achieved a Which? Best Buy.