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.
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
| 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 | £3,000 | £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 forEurope. 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
- 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:
- 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.
