Travel 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: 

• 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.
• 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.

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, 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, 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

	Black	Gold	Silver
Medical expenses and repatriation	Unlimited	£15 million	£10 Million
Cancellation and curtailment	£10,000	£7,500	£5,000
Travel delay	Up to £650	Up to £540	Up to £450
Personal belongings	£5,000	£2,500	£2,000
Legal Expenses	£60,000	£50,000	£15,000
Standard Excess	Nil	£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:

Albania	Croatia	Greece	Madeira	San Marino
Andorra	Cyprus	Holland	Malta	Serbia
Armenia	Czech Republic	Hungary	Moldova	Slovakia
Austria	Denmark	Iceland	Monaco	Slovenia
Azerbaijan	Egypt	Ireland	Montenegro	Spain
Azores	Estonia	Israel	Morocco	Sweden
Balearics	Faroe Islands	Italy	Netherlands	Switzerland
Belarus	Finland	Latvia	Norway	Tunisia
Belgium	France	Liechtenstein	Poland	Turkey
Bosnia And Herzegovina	Georgia	Lithuania	Portugal	Ukraine
Bulgaria	Germany	Luxembourg	Romania	United Kingdom
Canary Islands	Gibraltar	Macedonia	Russia

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

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.

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