Travel Insurance for Europe

Whether you fancy a city break filled with romance in Paris, a visit to the beautiful beaches of the Canary Islands or you want to witness the majestic beauty of the Northern Lights, Europe has a destination for almost every type of holiday.

While holidays to France are all about culture and great food, trips to Iceland allow you to see Europe’s wilderness and wildlife at its beautiful best. Alternatively, you can take a trip as far away as Russia, and learn more about the country’s history or be mesmerised by the beauty of Red Square. If you’d rather shop until you drop, try Milan’s gorgeous designer boutiques.

With so much choice, it can be hard to pick just one destination, which is why interrailing has become so popular. You can leave with your backpack and explore everything this beautiful continent has to offer on one trip. If you’re taking an extended break in Europe, then our Backpacker insurance could be a good fit.

Below is some more information about our insurance products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

You may think that travel insurance isn’t as important when you’re staying closer to home, but the truth is, things can still go wrong.

For example, your flight might be cancelled, your luggage may be lost, or your valuables could be stolen by pickpockets at busy tourist attractions. Thankfully, travel insurance for Europe can help protect you against these risks and more. Accidents can happen wherever you are but, with European travel insurance, you’ll have peace of mind knowing that you’re protected if something doesn’t go to plan. 

We offer three types of holiday insurance for Europe: Single Trip, Annual and Backpacker.

Our Single Trip travel insurance for Europe covers you for a maximum of 180 days at any one time. But, if you’re planning on going away more than once this year, then our Annual travel insurance for Europe may be a better fit. It covers you for an unlimited number of trips, up to 31 days in duration over a 12-month period. Alternatively, if you’re under 35 and you’re travelling across Europe to a number of destinations as part of a career break or a gap year, then you could find that our Backpacker insurance is a better option.  

Across our Single Trip and Annual policies, we also offer three different levels of cover: Bronze, Silver and Gold. These have different payment limits and excess amounts.

With our travel insurance for Europe, you can be protected against: 

  • Cancelling or curtailing your trip
  • Emergency medical and associated expenses
  • Loss of passport*
  • Delayed personal possessions
  • Lost, stolen or damaged personal possessions*
  • Loss of personal money*
  • Personal accident cover
  • Missed departures
  • Delayed departures
  • Personal liability
  • Legal expenses
  • End-supplier failure**
  • *Not available with Bronze cover
  • **Only available with Gold cover
  • Terms and Conditions apply.

If you have any activities planned, you can also choose to purchase additional cover. If you’re planning on skiing in the picturesque Val-d'Isère, then our Winter Sports and Ski add-on can protect you against things like piste closure and lost ski equipment. Or, if you’re planning on playing a few rounds of golf in the Algarve, then our Golf cover can help protect you, your clubs and any green fees you’ve paid.

If you’re heading aboard a ship and embarking on the cruise of a lifetime, then our Cruise add-on can also help protect you against risks that are unique to cruises, such as itinerary changes, cruise interruptions and cabin confinement.

To understand exactly what you’re covered for and to find out whether any exclusions apply, please read your policy documents. If you have any questions about your policy, please get in touch with us. 

Our European travel insurance covers all of Europe* and some destinations outside mainland Europe, such as Turkey. Countries covered by our European travel insurance include:

  • The UK
  • Continental Europe
  • Islands in the Mediterranean
  • The Channel Islands
  • The Isle of Man
  • Morocco
  • Algeria
  • Tunisia
  • Libya
  • Egypt
  • Israel
  • Turkey
  • Madeira
  • The Canary Islands
  • The Azores
  • The Republic of Ireland
  • Iceland
  • Russia
  • Estonia
  • Latvia
  • Lithuania
  • Belarus
  • Ukraine
  • Moldova
  • Georgia

*Please note that you will not be covered if you travel to a country or region that the Foreign and Commonwealth Office has advised against all travel or against all but essential travel. 

The cost of taking out a travel insurance policy for Europe will vary, depending on the type and level of cover you choose, and whether you purchase any add-ons. It will also depend on your age, and whether you have any pre-existing medical conditions you need to declare.

Our Annual policies start from £44.00*, while our Single Trip policies can cost as little as £5.78†. If you’re taking a gap year or a career break, our Backpacker cover starts from £27.50^.

To find out how much your holiday insurance for Europe will cost, get a quote today.

* Annual (Bronze) – price based on a 30-year-old travelling within Europe with no existing medical conditions.

† Single Trip (Bronze) – price based on a 30-year-old travelling up to 3 days within France with no existing medical conditions.

^ Backpacker – price based on a 30-year-old travelling up to 60 days in Europe with no existing medical conditions.

All prices include Insurance Premium Tax (IPT).

Currently, you do not need a visa for short trips to Iceland, Lichtenstein, Norway, Switzerland and any country in the European Economic Area (EEA). If you don’t have a visa, you can stay for up to 90 days in any 180-day period.

However, this may change as the UK leaves the European Union. For this reason, you may need to pay a fee to visit Europe in the future. It’s also possible that you’ll need to complete the online ETIAS  application form before setting off.

On our European Annual Travel Insurance, we include some countries that are outside the EEA for example Egypt and Libya. You will need a visa to travel to these countries. You can check the entry requirements  here.

If you’re travelling within the European Economic Area (EEA), then an EHIC card is an important document to have. And although the card replaced the old E111 form, it is not a replacement for European travel insurance.

The card entitles you to cheaper (sometimes free) emergency treatment in a number of EEA countries. Although the card entitles you to the same treatment as local citizens, you should be aware that many countries do not have their version of the NHS, so you may still have to pay for some aspects of healthcare.

For this reason, you should still take out travel insurance for Europe. That way, your medical bills will be included in your cover, and you’ll also be covered for things like cancellations, delayed flights and delayed personal possessions.

If the UK leaves the European Union with a ‘no-deal Brexit,’ then your EHIC card may be invalid. The government has stated that they’d like the scheme to continue after Brexit , but it’s not yet clear how UK cardholders will be affected in this case.

If you’re taking a holiday in the UK, travel insurance is still important. Although you won’t need health insurance because you still have access to the NHS, your European travel insurance will still cover things like cancellations, lost luggage and stolen possessions.

Our Annual travel insurance for Europe includes the UK, so your staycation will be covered if you choose ‘Europe’ as your area of cover.  Special UK only rates are also available on our Single Trip policies

Backpacking is a great way to fuel your sense of adventure and discovery. If you’re considering backpacking – whether in Europe or across the globe – as part of a gap year or career break, then our Backpacker travel insurance could be the perfect fit. 

Whether you’re taking a beach break in France, heading away to learn more about Rome’s history or taking the kids to Disneyland Paris, you can put the whole family on the same policy.
Planning on taking more than one European trip this year? Then our Annual travel insurance for Europe could be right for you. You can take an unlimited number of trips across Europe throughout the year. 
Cruising is a luxurious way of seeing the world, but it comes with unique risks. If you’re sailing around the Mediterranean islands or reconnecting with nature in the fjords, Cruise travel insurance can protect you.

Just taking the one holiday to Europe this year? Our Single Trip travel insurance for Europe can protect you. From Milan to Moscow, we’ve got you covered. 
Holidays are the perfect time to get the adrenaline pumping, and our Winter Sports and Ski insurance can help you hit the pistes with confidence. 

With our Sports and Leisure travel insurance, you’re covered for thrill-seeking activities like scuba diving, bungee jumping, kayaking and much more.