What's covered depends on your insurer and policy. But, a standard European travel insurance policy usually includes:
There's a few things to think about. Let's take a look:
Not all policies cover the same things, so it's worth checking the details carefully! Some optional extras to consider include:
It's a good idea to buy your travel insurance as soon as you book your trip, even if your holiday is months away! Getting covered early means you'll be protected for unexpected events, like illness, that could happen before you even leave.
Not travelling solo? Choosing a shared policy could save you money. Depending on your group, you might like to consider:
Let's take a look:
"You might think that because Europe is so close to home, you don't need to worry about travel insurance. Or that you're covered by an EHIC or GHIC. However, having European travel insurance in place could save you £1,000s if the unexpected happens. If you lose your luggage, have to cancel your trip, or need medical care, travel insurance can help cover the bills."
Compare travel insurance easily with us! Get quotes for your European trip in 3 easy steps:
The European Travel Information and Authorisation System (ETIAS) is being introduced mid-2025. This means if you're travelling to certain countries in the EU or Schengen Area, you'll need to apply for ETIAS approval before your trip. This hasn't been rolled out yet, so keep an eye on official updates to know when you'll need to apply.
You can visit most European countries visa-free for up to 90 days within a 180-day period. If you plan to stay longer, you'll need to apply for a Schengen visa, which costs $40.
There's three types of Schengen visas to choose from, depending on your travel plans:
It's worth checking visa requirements before you travel to avoid any surprises!
Most European policies cover all European countries, plus some nearby destinations like Turkey, Morocco, Tunisia and Egypt.
Handy hint:
An EHIC or GHIC card can provide vital peace of mind if you need medical treatment when you’re overseas. Get the lowdown on how they work and what’s changed since we left the EU with our guide.
Heading off on an interrailing adventure? Here's what you need to know about travel insurance for interrailing.
Are you a sports fan planning to catch your favourite events overseas? Find out how to choose the best insurance for your needs.
What you need to consider when you're taking out your travel insurance.
Includes cover for any cancellations, green fees you've paid upfront and specialist cover for your clubs.
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