To find the best policy, think about:

  • What you want to cover

  • The level of cover you need

  • The length of your trip

What do you want to cover?

European travel insurance usually covers:

  • Medical expenses: Your insurer can cover your medical bills if you fall ill or get injured in Europe.

  • Cancellations or delays: You can be reimbursed if you face travel delays or cancel your holiday due an emergency, for example an urgent medical procedure.

  • Baggage loss: You can claim the cost of replacing lost or stolen items.

Your quotes will outline what's covered; check these carefully to make sure the cover you need is included.

What level of cover do you need?

The common cover types are:

  1. 1.

    Single trip cover: Covers you for one trip up to a certain duration e.g. 30 days.

  2. 2.

    Multi-trip cover: Covers several trips to Europe in a year.

To find the right type for you, think about how many trips you intend to make before you get quotes.

How long will you be away?

The number of days you will be covered for can vary. For example, some quotes may offer up to 30 days cover whereas others might offer to cover you for up to one hundred.

Check how many days you will be spending in Europe, then compare the quotes that offer to cover you for the full length of your trip.

Check the details

Check if the cover you need is included and be aware of any exclusions. Common exclusions include:

Make sure all your information is accurate otherwise your policy could be invalid.

Check if you can afford any excess that needs to be paid if you choose to make a claim. If you can't afford it, your claim may be rejected.

European travel insurance FAQs

Q

Will I only be covered in Europe?

A

No, most insurers also cover non European destinations such as Morocco and Tunisia. Check your policy to see exactly which countries are included.

Q

Can I get joint or family cover?

A

Yes, many insurers offer joint and family European travel insurance which can be cheaper than having individual policies. Check this when you get quotes.

Q

Will I be refused cover if I have a pre-existing medical condition?

A

No, although most insurers will not cover you, some companies may offer to insure you but it's likely to be more expensive.

Q

Do I need European travel insurance if I have an EHIC?

A

Yes, European Health Insurance Cards only cover medical treatment you need when in the European Economic Area (EEA).