Compare travel insurance for Europe | finder.com
City by the ocean in Europe

Travel insurance for Europe

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Protect yourself from the unexpected, no matter how far you travel off the beaten path.

Europe is the third most popular travel destinations for us Americans, just behind our neighbors Mexico and Canada. And for good reason: Many of us descend from ancestors who once lived in France, Spain, Norway or any of the other 47 European countries bursting with history, beauty and adventure.

Whether you plan to explore one country or trek across many, travel insurance can help make sure it goes off without a hitch — and covers you when it doesn’t.

Compare travel insurance policies for Europe

Details Features
Atlas Travel
Atlas Travel
Customizable policy that balances between the basic essentials and premium coverage.
  • Trip cancellation: Not available
  • Emergency medical expenses: Up to $2,000,000
  • Baggage coverage: Up to $500
  • Trip delay: $100/day up to 2 days
Go to site More info
STA Travel Standard International
STA Travel Standard International
Affordable coverage for the essentials needed when traveling outside of your home country.
  • Trip cancellation: Not available
  • Emergency medical expenses: $25,000
  • Medical evacuation & repatriation: $250,000
  • Trip delay: $100/day up to $250
Go to site More info
Allianz International Travel Insurance
Allianz International Travel Insurance
Customizable coverage that can give you peace of mind when traveling to popular or remote destinations.
  • Trip cancellation: $1,000
  • Emergency medical expenses: Up to $50,000
  • Baggage coverage: Up to $2,000
  • Trip interruption: Up to $1,500
Go to site More info
Seven Corners Liaison Travel Medical
Seven Corners Liaison Travel Medical
Coverage when traveling outside your home country with terms between 5 days to 3 years.
  • Emergency medical expenses: Up to $5,000,000
  • Medical evacuation & repatriation: Up to $1,000,000
  • Baggage coverage: Up to $1,000
  • Trip interruption: Up to $10,000
Go to site More info
RoamRight Travel Insurance Essential
RoamRight Travel Insurance Essential
Coverage includes trip cancellation insurance, tourist health insurance and baggage insurance.
  • Trip cancellation: 100% cost of trip
  • Emergency medical expenses: $15,000
  • Baggage coverage: $750
  • Trip delay: $100/day up to $500
Go to site More info
Travelex Cancel for Any Reason
Travelex Cancel for Any Reason
Not 100% sure you're going to make your trip? Cancel For Any Reason upgrade is available with the Travel Select plan.
  • Reimburses up to 75% of the insured trip cost
  • Must cancel within 48 hours before scheduled departure
  • Offered on trips with a maximum value of $10,000
Go to site More info

What does travel insurance cover?

Common incidents and occurrences covered by most travel insurance plans include:

  • Medical treatment. Getting sick in a foreign country can leave you thousands in debt if you’re hospitalized. Look for an insurance policy that can cover large medical expenses up front.
  • Cancellations and delays. Europe is full of small airlines, increasing your chance of delayed or canceled flights between countries. Most insurance policies cover your travel expenses if your flight or train is canceled or late.
  • Lost or damaged luggage and personal items. Most travel insurance policies cover any loss or damage to your personal items and luggage. Double-check which items are included in your coverage.
  • Emergency support. From lost luggage to theft or medical emergencies, most insurance providers have someone available 24/7 to help you get you out of a sticky situation.
  • Death or serious injury. Most insurance providers cover any expenses involved with death or serious injury, potentially saving your family and loved ones from spending thousands of dollars.
Back to top

What am I not covered for?

Unfortunately, travel insurance doesn’t cover bad decisions or lapses in judgment, like:

  • Riding a motorcycle without a helmet. It’s your responsibility to take necessary safety precautions when riding a motorcycle or scooter. If you’re injured and are not wearing appropriate protection, your insurance may not cover you.
  • Undeclared pre-existing medical conditions. If you’re hospitalized overseas for a pre-existing medical condition that you didn’t tell your insurer about before buying your policy, you won’t be covered.
  • Reckless or unlawful behavior. If you purposely break the law or act irresponsibly, travel insurance won’t cover you for legal, medical or damage expenses.
  • Drugs or alcohol use. Losses incurred while under the influence of drugs or alcohol are rarely covered by insurance.
  • Leaving your luggage after check-out. If your luggage doesn’t make it home because you forgot it at the hotel, travel insurance won’t reimburse you.

If in doubt about your coverage, ask your insurer for clarification.

Back to top

Additional coverage you might need in Europe

Europe is packed with adventurous activities, from skiing in Switzerland to cycling around Italy. But most standard insurance policies don’t automatically cover, for example, car rentals or snow equipment.

Depending on your plans, you might need specialized coverage like:

  • Backpacking insurance. If you plan to see it all on your own two feet, you could find yourself in risky situations. Make sure it’s covered.
  • Snow or ski insurance. Europe boasts some of the best slopes in the world. Many insurers offer skiing or winter sports travel insurance, which covers damage to rented equipment, weather delays or closures, medical expenses, avalanches and evacuations and more.
  • Car or motorcycle rental insurance. Driving is a convenient way to get around Europe. Car or motorcycle rental insurance covers you for accidents, theft and lost rental deposits. You’ll need to be at least 25 years old in many European countries to legally drive, however.
Back to top
Promoted
Atlas Travel

Why we like: Atlas Travel Insurance

Before you head on your next trip, consider the protection that travel insurance can offer you and your loved ones.

  • Choose from several different policies to protect your trip.
  • Option to create custom coverage that fits your travel needs.
  • Comprehensive plans for individuals, groups and business travelers.
  • Includes a suite of emergency travel benefits such as medical evacuation.

    How do I make an insurance claim?

    The process for making a claim differs with each provider, but you can typically file a claim online or by phone. You may need to call an emergency phone number or obtaining documents to provide proof of the incident.

    Set yourself up for claims success by following a few tips before you take off:

    • Double-check your coverage. Confirm that the dates and countries in your policy cover your actual plans. Clearly detail pre-existing medical conditions to ensure you’re covered for them.
    • Talk to your provider. If you’re considering a last-minute adventure, give the insurer to make sure you’re covered — or modify your policy, if not.
    • Document everything. For any incident, accident, flight delay or medical emergency, get written documentation from police, medical staff or airline staff. Providing proof can smooth out the process of submitting a claim.
    • Take photos. Snap a pic of your luggage before you leave for a record of the items you’re taking with you. If they’re damaged or lost along the way, you can use the photos as proof.

    Who do I contact in an emergency?

    If you find yourself in an emergency in Europe, call:

    • Your travel insurer. Your insurance provider should provide a 24/7 helpline for claims and medical emergencies.
    • A US embassy or consulate. Your nearest US embassy or consulate can help if you lose your passport or in other emergencies.
    Back to top

    Bottom line

    From the City of Lights to the Swiss Alps, Europe offers beautiful sights and adventures. Before you set off on your next European trip, pick up a travel insurance policy to protect you from flight cancellations, accidents and other mishaps. That way, you’re bound to bring home memories and souvenirs, rather than bills you weren’t expecting.

    Get travel insurance quotes for Europe

    FAQ

    Unfortunately, cancellations and delays can happen quite frequently, especially when travelling to multiple destinations on budget airlines. Make sure you are not out of pocket if you miss a future flight due to other flight or train delays.

    Richard Laycock

    Richard is the Insurance Editor at finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

    Was this content helpful to you? No  Yes

    Ask an Expert

    You are about to post a question on finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

    Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site