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Travel Insurance

Travel insurance for Europe: Coverage and policies for 2024

Erica Lamberg

Heidi Gollub

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:30 a.m. UTC Nov. 27, 2023

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  • A trip to Europe often requires hefty prepaid and nonrefundable deposits to secure flights, hotels and tours. Travel insurance protects these outlays if you cancel your trip for a covered reason.
  • Many U.S. health insurance plans don’t provide coverage in foreign countries, making a travel insurance plan with medical expense benefits important for trips to Europe.
  • The best travel insurance for Europe will package together different types of coverage, including trip cancellation, trip delay, trip interruption, travel medical, emergency medical evacuation and baggage insurance.   

Planning a trip to Europe is exciting, but can also be expensive. Your itinerary may include visits to several European countries, and you can quickly rack up prepaid and nonrefundable expenses for flights, hotels, excursions, tours and experiences. 

Travel insurance can give you peace of mind that you’ll be financially protected if things go wrong before or during your trip. But plans differ, so it’s important to pay attention to included coverages, limits and exclusions when choosing your insurance for travel to Europe. 

Do I need travel insurance for Europe?

Travel insurance is not required for entering Europe. “But it is a very important consideration for a number of reasons,” said Scott Adamski, spokesperson for AIG Travel.

In addition to protecting your trip deposits if you need to cancel, Adamski said an important reason to secure a travel insurance policy relates to health care coverage for U.S.-based travelers headed to Europe. 

“In a surprise to many, their U.S.-based health insurance policy may not provide coverage, or may provide limited coverage, when they’re traveling out of the country,” said Adamski. 

“Medicare also may not provide coverage outside the U.S. (for older Americans) and there may be restrictions/limitations on medical benefits when traveling abroad,” he said. “In short, it’s vital to review your existing health care coverage before traveling.”

To make sure you’re covered financially if things go awry before or during your European vacation, look for a travel insurance plan that includes travel medical benefits as well as coverage for trip cancellation, trip delay, trip interruption, emergency medical evacuation and baggage delay or loss. 

Featured Travel Insurance Offers

Travel insured.

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Via Squaremouth’s website

Top-scoring plan

Worldwide Trip Protector

Covers COVID?

Medical & evacuation limits per person

$100,000/$1 million

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Atlas Journey Preferred

Seven Corners

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Via Squaremouth’s Website

RoundTrip Basic

Average cost for plan with CFAR

CFAR coverage

75% of trip cost

Trip cancellation insurance for travel to Europe

If you’ve booked a trip to Europe, you’re probably thinking, why would I cancel my dream vacation? 

“No one plans to cancel a trip, but sometimes there are circumstances beyond our control — you suffer an injury before your trip, circumstances at your job change or your flight is canceled due to severe weather at your destination,” said Shannon Lofdahl, spokesperson for Travelex Insurance Services. “Trip cancellation and interruption coverage reimburses you if your trip is canceled or interrupted for a covered reason,” she said.

In general, covered reasons for trip cancellation insurance benefits include:

  • Death of an immediate family member or a travel companion.
  • A serious illness or injury to you, a close relative or a travel companion.
  • A sudden and serious family emergency.
  • An unexpected job loss or layoff.
  • Unplanned jury duty.
  • Severe weather.
  • Your travel supplier is going out of business.
  • A national transportation strike.

So, if three days before your trip to Vienna, Austria, your husband has a heart attack, you can cancel your trip and receive 100% of any prepaid and nonrefundable trip outlays.

It’s important to note that not all reasons to cancel will be covered by your travel insurance policy. For example, if you see a rainy weather forecast in Barcelona or get nervous to travel to Paris because you learn about a rise in petty crimes there, these are not covered reasons.

If you want the highest level of flexibility to change your travel plans, consider adding “ cancel for any reason ” (CFAR) coverage.

CFAR is an upgrade to a basic travel insurance plan that may boost the price of your policy by about 50%, but will give you the latitude to cancel your trip for any reason as long as you cancel at least 48 hours before your scheduled departure. If you meet all the requirements of your plan, you can expect to be reimbursed for 75% — or 50%, depending on the plan — of your prepaid, nonrefundable trip costs.  

Trip delay insurance

Delays are an expected part of traveling these days, especially while traveling abroad, and that fact has emphasized the importance of trip delay coverage, said Lofdahl. “A short delay probably won’t cause you too much stress, but longer delays can mean missing connecting flights.”

Trip delay coverage can reimburse you for costs you incur as a result of a travel delay, as long as the delay was caused by a reason in your policy documents. Severe weather, airline maintenance issues or a security breach at an airport, for instance, are typical reasons covered by trip delay insurance.     

Most policies have a waiting period before your trip delay benefits begin, such as six or 12 hours. If you meet the criteria outlined in your travel insurance policy, you can expect to be reimbursed for a meal, hotel room, taxi fare and a few personal care items to tide you over for the delay, up to the limits in your plan.  

Be sure to hold onto your receipts as you will be asked to submit this documentation when you file a trip delay claim.

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Trip interruption in Europe

No one wants to end their trip early, especially when it’s a long-awaited European vacation, but unexpected issues can arise, said James Clark, spokesperson for Squaremouth, a travel insurance comparison site.

If there is an emergency back home that is covered by your travel insurance plan, such as a critically ill parent, or if you suffer an injury while traveling in Europe and need to cut your trip short, your policy’s trip interruption insurance can provide financial assistance. 

You can file a trip interruption claim to recover any prepaid, unused and nonrefundable trip costs you lose because of your unexpected early departure. Your benefits will also typically cover a last-minute one-way economy flight home, and transportation to the airport.

Keep in mind, however, not all reasons to end a trip early will be covered. For example, if you miss your new kitten or have a fight with your partner while in Budapest, and want to go home, these are not covered reasons. You will have to pay your own way home and can’t file a claim for losses.

Americans will have to get travel authorization to enter Europe

Currently, Americans don’t have to worry about getting a visa to travel around Europe. However, that will change in mid-2025. That’s when the European Travel Information and Authorisation System (ETIAS) goes into effect, requiring people traveling from visa-exempt countries like the United States to get authorization for travel to 30 European countries.

Once applications open up, you will be able to apply on the official ETIAS website or mobile app. You’ll need your passport information to apply, and it will cost 7 euros to process the application. For those who don’t get immediate approval, the decision process could take up to 30 days. 

Once approved, your ETIAS travel authorization will be attached to your passport. It will be valid for three years or until your passport expires, whichever happens first. 

A standard travel insurance policy won’t cover you if you don’t get your ETIAS travel authorization in time for your trip, or your ETIAS application is rejected. It will be important to apply for ETIAS early, in case there’s a delay or you need to appeal if you’re denied a visa.

If you have “cancel for any reason” (CFAR) coverage you could cancel your trip if your visa doesn’t get approved in time, but you’d need to cancel at least 48 hours before your trip to file a CFAR claim for reimbursement.

Travel medical insurance for Europe

Don’t assume your health insurance applies outside the United States. “Many [domestic health insurance] plans won’t cover you if you become ill or injured traveling in Europe or any other country outside the U.S., and, without travel protection, you would be responsible for all the medical expenses,” said Lofdahl with Travelex.

For instance, if you twist your ankle while touring in Rome, your travel insurance can cover the cost of seeing a doctor, getting X-rays, buying prescription medication and staying in the hospital if deemed necessary. Without this coverage, you are responsible for any medical expenses. 

The average cost of travel insurance is between 5% and 10% of the total price of your trip. This can be worth it for the medical benefits alone when traveling in Europe.

Travel insurance plans also typically include travel assistance, which can help if you get sick or injured in Europe. “This benefit offers a range of 24/7 services while you’re traveling — from assistance finding a covered health care provider to helping with replacing lost or stolen passports,” said Lofdahl. These services can also assist with translation services.

Emergency medical evacuation

Depending on where in Europe you’ll be visiting, you might be far from a medical facility adequately equipped to treat severe illnesses and injuries. 

“For this reason, travelers with underlying medical conditions might wish to consider additional medical evacuation coverage for certain costs associated with transportation, to either the nearest recommended medical facility or back home,” said Adamski with AIG Travel.

Also, he explains, many countries in Europe — particularly in the mountainous regions — offer adventure sports for visitors. “In the warmer months, the outdoorsy types who aren’t biking might pursue mountain climbing, available through a wide range of treks and climbs for beginners and advanced climbers alike. In the winter, of course, ski enthusiasts from around the world visit a number of European countries for their access to great snow, luxurious accommodations and challenging runs,” Adamski said.

Unfortunately, accidents can happen when mountaineering, regardless of the time of year. Having a travel insurance plan can provide financial protection in the event of medical or evacuation losses, he said.

As an example, said Adamski, a policyholder might need to return to the U.S. after a skiing injury and may need accommodations such as a lay-flat seat or a row of seats to stretch out a broken leg. 

“A travel insurance provider, with on-staff doctors and medical coordinators, are invaluable in assisting with medical needs in foreign countries and coordinating with airlines to get injured travelers back home. Such arrangements are remarkably expensive, ranging from $20,000 easily into the six figures,” he explained.

Medical evacuation coverage could help cover these costs, and, in AIG Travel’s travel protection plans, said Adamski, this is complemented by access to an entire medical team dedicated to consulting with the local medical providers, working with you or your family to confirm what’s in your best interests as a patient and making the necessary arrangements to get you where you need to be.

When budgeting for a trip, even the most thorough planners rarely consider a contingency that includes a five- or six-figure emergency medical evacuation, said Adamski. “To be suddenly faced with a bill like that could be devastating. Also, the expertise of the medical staff that would be helping to coordinate such an evacuation could (literally) be a lifesaver,” he said.

Clark with Squaremouth notes that travelers heading to Europe should look for policies with at least $100,000 in medical evacuation coverage. However, if a traveler is doing more remote activities, such as backpacking through the Swiss Alps or exploring the Scandinavian wilderness, “We recommend at least $250,000 in medical evacuation coverage,” he said.

Travel insurance coverage for baggage and belongings

Lofdahl with Travelex said that the return to travel has been wonderful, but the labor shortage has brought some challenges to the industry. “Delayed and lost baggage is one that most people heard about last year and into this year,” she said. “Every airline experienced increases in lost and delayed baggage, and some even had triple the number of lost and delayed bags as they did in the same period in 2021. I can tell you from experience that this can impact your trip.”

European travel generally can include connecting flights which can increase the likelihood that your luggage can be misdirected or lost.

If your luggage decides to vacation in Madrid instead of Athens, you can file a claim with your travel insurance company. Just be sure to get a report from your airline carrier first.

You may also be able to file a claim for delayed luggage. Depending on your plan, you can purchase a few items to tide you over until your bags arrive at your destination, like a swimsuit, some toiletries and a change of clothes. Just be sure to keep any applicable receipts.

Your travel insurance plan may also reimburse you for other personal effect losses while on your vacation. For example, if your camera gets stolen while touring Copenhagen, or if your leather jacket is swiped while in Milan, you can file a claim. But first, you’ll need to file an incident report with your tour leader, hotel manager or local law enforcement. You will be asked for this documentation during the claim process. 

It’s very important to read your travel insurance documents carefully so you understand the scope of your benefits. There are often per-item limits and caps for coverage, rules about how depreciation will affect your reimbursement levels and exclusions which won’t be covered. For instance, lost or stolen cash isn’t reimbursable, and many high-ticket items like heirloom jewelry and designer watches are often excluded from coverage.

Baggage loss insurance is also typically secondary coverage, meaning it comes into play only after you’ve filed for reimbursement from your airline or homeowners insurance (in the event of theft).

Frequently asked questions (FAQs)

Buying a travel insurance policy for Europe isn’t required, but it is a smart way to financially protect your trip investment and to ensure you have medical coverage while traveling abroad. 

“Just because it’s not required doesn’t mean it’s not a good idea. Unexpected medical bills can be costly, and an unforeseen emergency evacuation or repatriation back home to the U.S. or Canada can climb to tens of thousands of dollars,” said Terra Baykal, spokesperson with World Nomads.

Travel insurance also provides trip cancellation benefits, which can help you recoup the cost of trip deposits. “Travel insurance may reimburse you for your missed nonrefundable, prepaid travel arrangements like hotels, flights and tours, if you need to cancel for a covered reason, like the death of an immediate family member, or your last-minute illness or injury,” said Baykal.

It’s also important to find an insurer who will cover you for all the activities you plan to pursue in Europe. So if skydiving in Switzerland, paragliding in Greece or ziplining in Croatia is in the cards, make sure your insurer covers your more adventurous pursuits, said Baykal. 

World Nomads automatically covers more than 150 adventure activities and sports for U.S. residents without the need for an additional adventure activities rider. 

While not required to enter Europe, a travel insurance policy with emergency medical coverage is a good idea when traveling to Europe, said Baykal of World Nomads.

Many U.S.-based health insurance providers offer no coverage abroad, or very limited global benefits. If your domestic health insurance doesn’t provide adequate coverage outside of the U.S., buying travel medical insurance for Europe is recommended.

Whether your health coverage travels with you outside the U.S. depends on your Blue Cross Blue Shield plan. Check with your carrier to determine the scope of your travel medical insurance . 

According to Blue Cross Blue Shield, travelers should refer to their Certificate of Coverage and riders and also call customer service to find out about limitations to travel coverage.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Erica Lamberg

Erica Lamberg is a regular contributor to Fox News, Fox Business, Real Simple, Forbes Advisor, AAA and USA TODAY. She writes about business, travel, personal finance, health, travel insurance and work/life balance. She is based in suburban Philadelphia.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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The Best Travel Health Insurance Companies for Europe

If you’re traveling to Europe this summer, you will definitely want travel insurance to supplement your trip in case anything goes wrong. These are six of the best travel insurance companies for coverage in Europe.

one trip european travel insurance

Photo: Pexels.com

When you’re planning a trip to Europe, half of the fun is working out the details of your itinerary, creating a bucket list of attractions to visit, and mapping out the route you want to take.

It’s easy to forget about the finer details, like travel insurance.

That’s just human nature. Who wants to think about the bad stuff when there’s so much to look forward to?

Travel insurance gives you peace of mind while you’re exploring. It doesn’t matter if you’re planning a relaxing wine tour through Italy or a more adventurous jaunt through Switzerland – being insured means you’ll come home with only awesome memories and not outrageous medical bills.

But there are different types of travel insurance for Europe and the Schengen zone. Here’s how to pick the best one for your needs.

Why You Need Travel Insurance for Europe

So why do you even need travel insurance for Europe, anyway?

It all comes down to a very blunt truth: literally anything could happen while you’re on the road, and you need to protect yourself. It’s truly no different than having health insurance in your home country.

Travelers don’t like thinking about worst-case scenarios, but it’s the responsible thing to do. And a good travel insurance policy covers everything from the smallest stuff – like lost and stolen luggage – to all the big picture items, like natural disasters or broken bones. Yes, even death.

In countries where you’re not a resident, the cost of things like medical bills and emergency evacuation are drastically higher than in your home country (even compared to the US, where those bills are crazy high already). So while you might not like the idea of dishing out money for insurance, you definitely don’t want to return from your trip with hundreds of thousands of dollars in medical expenses.

Note: Depending on your home country, you might need to apply for a Schengen visa. Furthermore, countries outside the Europe Schengen zone may have different visa and travel insurance requirements than member states inside the Schengen zone, including the UK. When in doubt, talk to an agent!

one trip european travel insurance

BEST TRAVEL INSURANCE COMPANIES FOR EUROPE 

If you take away just one important thing from this article, let it be this: Europe travel insurance is necessary. Just because these countries are developed and modern doesn’t mean you’re immune to accidents or illness on your travels.

Have a look at the different Europe travel insurance companies and their travel insurance plans.

1. Seven Corners: Best Travel Insurance Policy for Students

So you’ve got your visa application sent off and you’re planning on studying for a semester in Europe. Welcome to one of the best experiences of your life!

It’s likely that you’ll be required to have Europe travel insurance as part of your visa requirements to study abroad (and you may even need to present proof of insurance with your visa application and your visa letter). Regardless, travel health insurance is a must—and Seven Corners is the best.

Seven Corners has three different travel insurance plans specifically designed for international students. Each one is customizable so that you can even change the amount of medical coverage (up to $250,000) as well as the deductible. When you visit the student health center at your school, it’ll only cost you a $5 copay. Trip cancellation and interruption are also covered.

There are tons of options to add as well. For example, if you want to visit family back home while on your holidays, you can add coverage for when you return to the US (or wherever home may be). That means if you get into an accident while you’re at home, you’ll have health insurance coverage.

Get a quote

2. SafetyWing: Best Travel Insurance Policy for Expats & Long-Term Travelers

SafetyWing has incredibly unique travel insurance offerings for long-term travelers/expats.

SafetyWing is a rare gem of a travel insurance company because their plans allow you to have coverage for as long as you want. It works like a subscription, and your plan renews every four weeks automatically (until you cancel).

You’ll get coverage up to $100,000 for travel medical insurance and emergency medical evacuation coverage in 180+ countries. Trip interruption and trip delay coverage is also included (up to $100/day), but trip cancellations are not.

There’s one downside: SafetyWing’s insurance policies will not cover your gear. For digital nomads traveling with laptops, cameras, and other items of high value, this may be a dealbreaker. The good news is that you can add supplemental insurance like InsureMyEquipment to make sure you’ve got complete coverage.

More information

3. World Nomads: Best Travel Insurance Policy for Adventure Travelers

World Nomads is an all-around awesome insurance provider, but especially if you’re an adventurous type. They cover over 300 sports and activities, and their Explorer Plan is catered specifically to those interested in higher-risk activities.

Snowboarding in Switzerland? Diving in the Mediterranean? Competing in an air guitar competition (seriously) in Finland? This is the policy for you.

World Nomads’ plans include up to $100,000 in emergency medical coverage, medical evacuation and repatriation, and coverage for stolen or lost luggage. Bonus: their policies have always provided coverage for pandemics/epidemics, so you’re well covered up to $100,000 in emergency medical for COVID-19 too.

The user experience and customer service with World Nomads is also top-notch. If you’re not completely sure if your activity is covered, definitely speak with an insurance agent about your case.

4. Tin Leg: Best Travel Insurance Policy for Seniors

If you’re a senior ready to leave behind the US and make your dream of Europe travels come true, Tin Leg is the travel health insurance company for you.

Travel insurance requirements can be stringent for seniors, especially if you have pre-existing conditions (or if you’re over a certain age). Tin Leg is unique in that it offers travel insurance for people up to age 90!

Tin Leg has a few different plans, including the Tin Leg Economy policy with basic trip cancellations and medical coverage up to $20,000. That’s a bit low compared to other plans, but the Tin Leg Luxury policy covers people up to $100,000 for emergency medical and $250,000 for emergency medical evacuation and repatriation.

Pre-Existing Condition coverage is also included if your policy is purchased within 15 days of booking your Europe trip.

5. Travelex: Best Travel Insurance Policy for Families

Taking the whole fam on a country-hopping tour of Europe? Travel insurance coverage is a must for the whole gang.

One of the best things about Travelex is that they provide free coverage for all children age 17 and under, as long as they’re traveling with you under a single policy. It doesn’t matter if you have one kid or five…they’re all covered for travel health insurance!

Travelex is a heavy-duty insurer, and although they only have two main plans they also tons of add-on options. The Basic plan covers $15,000 in emergency medical expenses, $100,000 for emergency medical evacuation, and $500 for lost and damaged baggage.

But with their Travel Select plan, your coverage skyrockets: you’ll get $50,000 in emergency medical, $1,000 for lost or damaged luggage, and $500,000 in medical evacuation coverage. You’ll also get 150 percent of your insured trip cost reimbursed if your trip is interrupted.

6. AXA: Best Travel Insurance Policy for Multiple Trips

If you’re addicted to Europe travel, getting covered by Ama’s Multi-Trip Schengen visa travel insurance is a must.

Multi-Trip is an AXA Schengen visa insurance for frequent travelers who plan on making several trips to Europe over one year. That means if, for example, you’re traveling between the US and France all year on business, you don’t have to purchase travel insurance more than once.

AXA offers medical insurance for expenses up to €100,000 ($111,000) for both the Schengen zone as well as other countries outside of Schengen. If your Europe travel takes you to places like Monaco and Liechtenstein, the AXA Multi-Trip Schengen travel insurance is a great option for you.

But before you plan multiple trips all over Europe, make sure you’re aware of the Schengen visa requirements. Citizens of certain countries may need to apply for a visa depending on the country (if you’re a traveler from the US, you likely won’t have to). Visa refusal is never a fun experience, so make sure to include your AXA Schengen visa insurance certificate with your visa application.

If you’re unsure about anything, AXA has some great customer service. When in doubt, give them a call.

one trip european travel insurance

EUROPE TRAVEL INSURANCE FAQs 

Now that you’re aware of the different Europe travel insurance options and their different travel insurance policies, let’s make sure you’re clear on everything else travel insurance related.

Is travel insurance necessary in Europe? 

Yes, as soon as you leave the US (or your home country) to visit Europe and the Schengen area, travel insurance is necessary. Travel medical insurance is by far the most important asset for any traveler because those medical expenses will skyrocket if you get sick or injured abroad.

Plus your Schengen travel insurance should also cover things like trip cancellations and interruption. No matter what country you’re visiting, you need to be prepared.

Does travel insurance for Europe also cover the United Kingdom?

It’s important to understand that not all countries are part of the European Schengen area, including the United Kingdom. Your Schengen visa will not apply here, and your European travel insurance may not apply.

Some insurances, like World Nomads, will take into account that you’re traveling all over the European region and that you don’t just need Schengen travel insurance. When you’re requesting a quote online, you can select each destination you’ll be visiting.

You need to check with your travel insurance plan to make sure you’re covered for all your medical expenses and emergency evacuation (as well as anything else you want).

Talk to some travel insurance agents for greater clarity on your options. Europe travel awaits!

How much travel insurance do I need for Europe? 

The amount of travel insurance coverage you need for Europe/the Schengen area really depends on what you’re planning to do. In any case, your insurance plan should at least cover you for up to $100,000 in medical expenses and emergency evacuation.

You’ll also want to consider what kind of expenses you’ll incur if you’re not covered for things like trip interruption, cancellations, and lost/damaged luggage. You can’t often make corrections to your travel health insurance plan after you’ve begun traveling, so make sure you get it right!

Do US citizens need travel insurance for Europe?

Yes, US citizens absolutely need travel medical insurance for Europe, including the Schengen area.

If you’re a US citizen and you get sick or if you’re seriously hurt while in Europe or the Schengen area, you could face crazy high medical expenses. That could mean hundreds of thousands of dollars in medical debt.

Europe travel insurance is a must for any traveler, and that means US citizens too.

What countries are included in Europe travel insurance?

Generally, Europe/Schengen travel insurance will cover all European countries. As mentioned above, insurers know that you’re likely to visit more than one country on your trip.

But do your homework. Some popular European countries aren’t part of the Schengen area, including the likes of Bulgaria, Croatia, and even the United Kingdom. When it comes to insurance coverage, make sure you read the fine print and make any corrections to your policy as needed.

Residents from certain countries other than the US may require a visa as well, and applicants will want to apply well in advance. Bottom line: your travel medical insurance (just like your Schengen visa requirements) may differ depending on where you’re going.

Does my health insurance cover me in Europe?

Depending on the health insurance coverage you have at home, you may have travel coverage for Europe travel too. Keep in mind this is still travel insurance though—you won’t be able to claim expenses for things like cosmetic surgery abroad.

But in general, residents of the US (and residents of other places, for that matter) shouldn’t assume they’re covered.

Pro-tip: review your policy in great detail before you leave, in case you need to make any corrections.

Do I need Schengen visa insurance for Europe?

Many citizens do not need a Schengen visa before traveling to Europe. You’ll need to figure out what the Schengen visa requirements are for your country first. If you’re a US citizen, for example, you do not need to apply for a Schengen visa.

Applying for a visa can be a daunting experience for some citizens, but the online process for applicants is pretty straightforward. Absolutely make sure you have proof of your Schengen visa travel insurance secured beforehand (like the AXA Schengen visa insurance certificate mentioned earlier), and include it with your visa letter and visa application.

Once you’ve received your Schengen visa, you’re good to go.

Now it’s time—are you ready to see Europe?

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Do I need travel insurance to visit Europe?

What does travel insurance for europe cover, what isn’t covered by european travel insurance, how much does travel insurance for europe cost, how to get the best travel insurance for europe, europe travel information & requirements, europe travel insurance faqs, related topics.

Europe Travel Insurance: Your Essential Coverage Guide

Leigh Morgan

  • Based on our research, our top picks for travel insurance for Europe come from Tin Leg , Generali , and Seven Corners .
  • If you have an emergency while traveling overseas, a European travel insurance plan can reimburse you for some of your losses.
  • American medical insurance doesn’t cover the cost of receiving health care in Europe , so it’s especially important to get medical and medevac insurance when traveling in Europe.
  • Street crime, risks of terrorism, and political unrest are some of the reasons trip interruption, cancellation, and medical coverage should be considered when visiting Europe.
  • In addition to medical costs, a comprehensive travel insurance plan for Europe can also help cover costs associated with cancellations, delays, lost baggage, and more.
  • While cheap insurance with basic coverage can cost as little as $1 per day, you can expect to pay around $8 to $11 per day for more extensive travel insurance.
  • To compare plans and find the right policy to suit your needs, we recommend using an online comparison tool .

From the luxury resorts of Monaco to the sauerkraut in Germany, Europe has a little something for everyone.

If you’re planning a getaway, it’s important to have travel insurance before embarking on your European adventure. This type of insurance reimburses your prepaid expenses if you’re injured, come down with a serious illness, or experience other problems outside of your control.

To help you plan a trip that goes off without a hitch, we put together this guide to traveling to Europe from the United States. Find out about the visa and passport requirements, discover why it’s so important to have travel medical insurance for Europe, and learn more about our top picks for comprehensive coverage.

Our top picks for the best europe travel insurance

  • Tin Leg: Best Rated Travel Insurance
  • Seven Corners: Best Value for a Robust Coverage
  • Generali Global Assistance: Best Value Travel Insurance

Our top picks for Europe travel insurance

Tin Leg

Seven Corners

Generali global assistance.

Standard European travel insurance usually covers every country in the European Union (now excluding the UK ) and the Schengen Zone . If you plan to travel to either country, make sure your insurance plan will cover you. If you plan to travel to a non-Schengen, non-EU country, ask your agent to write a custom policy that includes every destination on your itinerary. Alternatively, you can purchase an annual insurance plan that covers you for multiple trips and destinations.

Although you don’t have to officially buy travel insurance unless you plan to apply for a visa, it’s wise to buy coverage even if it’s not required. Travel insurance protects against losses associated with medical emergencies, travel delays, lost or stolen luggage, and a wide range of other travel-related problems as we can see below.

Here are some of the reasons Americans should get travel insurance for visiting Europe

Risk of falling victim to street crime

Instances of pickpocketing, general theft, financial scams, and street muggings are not uncommon throughout Europe , as highlighted by the European Crime Prevention Network . Such acts of opportunist theft often happen throughout major European cities such as London, Paris, Berlin, and Rome, places where there are a high number of visiting tourists with their guard down. Therefore, it’s important that you keep your valuables out of sight and secure, especially when visiting popular tourist sites and traveling on public transport.

Purchasing travel insurance to Europe that covers you for loss of items can go a long way to relieving any stress you receive from falling victim to pickpockets and thieves during your vacation to Europe.

Risk of terrorism

Much like the rest of the Western world, E urope remains on high alert for the risk of terrorist attacks , especially in recent years, especially from Islamic and political extremists - as seen in the official Europol data . Although Europol and local law enforcement strive to keep the risk of attack relatively low, it is not without basis that attacks can happen.

Therefore, it’s important for US citizens to take out travel insurance that covers them for emergency medical coverage and emergency evacuation coverage , should the worst happen while they are on

Political unrest

Political demonstrations, industrial strikes, and even riots are not uncommon across many European nations , especially in the nation’s capitals. As seen in the recent Paris riots in 2023 , these demonstrations can spill out across the city and cause chaos to both tourists and locals alike.

Having an insurance plan that covers you for any trip interruptions, cancellations, and medical coverage for any unforeseen accidents you may face is ideal when traveling across Europe .

Outdoor activities

Visitors to Europe can enjoy a huge range of outdoor activities. Whether this is hiking through the foothills of the Alps, scaling the numerous mountains scattered across the continent, swimming and boating along its endless shores, or an exciting mix of all - this all comes with its own particular risks.

If you plan to enjoy the endless opportunities of the great outdoors while on vacation, you must have travel health insurance in Europe that covers you for sporting and adventure pursuits.

Risk of a driving accident

Generally speaking, driving in Europe is a safe affair. However, it is important to remember that each country has its own unique driving conditions and rules, as can be seen on the official website of the EU . It’s important to familiarize yourself with the rules and driving customs of any European country you are visiting.

If you are planning to hire a vehicle while vacating in Europe, you should consider taking out rental care travel insurance that covers accidents, theft, and vandalism . Also, considering the general risks while driving on unfamiliar roads, emergency medical coverage is a must.

European travel insurance usually bundles several types of coverage into a single policy. Here are some of the most common types of travel insurance available:

Travel medical insurance in Europe

The best travel insurance for Europe should, at the most basic level, include coverage for medical emergencies and emergency evacuation coverage. Your American health insurance won’t pick up the tab if you need medical care while you’re in Europe. Therefore, it’s important to buy travel medical insurance . Health insurance for travel to Europe covers lab tests, X-rays, and other medical expenses. This type of insurance also covers the cost of repatriation, which is when you leave Europe and return to the United States.\

Medical travel insurance can be purchased as part of a comprehensive travel insurance plan or as an independent policy on its own. In addition to medical travel insurance, consider broadening your policy to include coverage for travel delays, cancellations, and interruptions.

Medical evacuation insurance

In addition to your travel medical insurance in Europe, you should have medical evacuation insurance , better known as medevac coverage. It would be convenient to get sick less than 1 mile away from a hospital, but many emergency situations occur in remote areas without immediate access to medical care.

This type of travel insurance pays to transport you to the closest suitable medical facility. For example, if you sustain serious injuries while skiing or hiking, your insurer will cover the cost of having a helicopter transport you to a trauma center.

Trip cancellation insurance

If you have to cancel your trip for no fault of your own, trip cancellation insurance reimburses you for all prepaid, nonrefundable travel expenses up to the limit outlined in your policy. For example, this type of travel insurance may cover the cost of flights, prepaid hotels, and prepaid excursions. Some policies will also offer cancel for any reason (CFAR) coverage . This allows you to cancel your trip for any reason and claim back between 50% and 70% of your total prepaid travel expenses.

Trip delay insurance

These days, flight delays are common. It’s also possible for a cruise ship, ferry, or bus to depart later than scheduled, causing you to miss your connection. If this happens while you’re traveling in Europe, trip delay insurance will cover meals, lodging, and other expenses incurred due to the delay. To use this type of travel insurance, you must be using a common carrier, which is a company that provides transportation services to the public.

Trip interruption insurance

It’s no fun ending a trip early, but it’s even less fun if you lose money on prepaid lodging, meals, and other expenses. Trip interruption insurance takes the sting out of this situation by reimbursing you for the unused portion of your trip.

Insurance for personal items

Comprehensive travel insurance usually covers baggage loss, baggage theft, and damage to the personal items in your luggage. For example, if your duffel bag gets stuck in a machine at the airport, your travel insurance may cover the cost of replacing some of your damaged belongings.

Rental car coverage

If you plan to travel around town in a rented vehicle, consider getting rental car coverage for extra peace of mind. This type of insurance covers accidents, theft, and vandalism.

Standard travel insurance covers many things, but it usually excludes the following:

  • Intentional acts:   If you damage a rental car on purpose, your travel insurance won’t pay a dime.
  • Pre-existing conditions:   Travel health insurance doesn’t cover pre-existing conditions, which are health problems that you have before you travel to Europe. For example, if you’ve had hypertension for 10 years, your travel insurance won’t pay any medical expenses associated with a hypertensive crisis. If you are aware of any ongoing illnesses, it is advisable to purchase insurance for pre-existing conditions .
  • Reasonably foreseeable events:   An emergency is a serious, unexpected event, so you don’t know when it’s going to occur. With a reasonably foreseeable event, there is some indication that an emergency might happen. If you choose to travel anyway, your travel insurance won’t cover any costs associated with trip cancellations, trip delays or trip interruptions.
  • Injuries caused by risky activities:   SCUBA diving, skydiving, and mountain climbing are risky. Standard travel insurance doesn’t cover medical expenses associated with these activities, so you’ll need to buy a policy that includes coverage for adventure sports.
  • Government travel restrictions:   Your insurance company has no control over how a government conducts its business. Therefore, if one of the countries you’re visiting decides to implement new travel restrictions during your trip, travel insurance won’t cover any of the associated costs.

Travel insurance for a trip to Europe can be as cheap as around $1 per day for very basic coverage. For a comprehensive policy, you can typically expect to pay $8 to $11 per day.

To give you a better idea of how much travel insurance for Europe costs we got price quotes for a trip to Ireland from three different insurance providers.

For each quote, we applied the following travel details:

  • Age: 35 years old
  • Destination: Ireland
  • Trip Length: 7 days
  • Trip cost: $2,000
  • Date: August 2024

This table displays three quotes for basic travel insurance plans where plans don’t reimburse the full trip costs:

If you want to purchase more comprehensive travel insurance that covers trip cancellations and interruptions, your premium will be more expensive:

It’s important to understand that many factors influence the cost of travel insurance.

  • Age:   Older people have a higher risk of developing serious injuries. Travel insurance providers account for this risk with higher prices. However, there is also the opportunity to purchase specific travel insurance for seniors - these policies are designed with elderly travelers in mind.
  • Trip length:   The longer your trip is, the more money you’re likely to spend. Insurers charge more for long trips to account for the increased cost of reimbursing you for delays, cancellations, and other problems.
  • Destination:   Some destinations are a bit riskier than others. Insurance companies charge higher premiums to avoid losing money on claims.

How much travel insurance do I need for Europe?

Knowing what level of travel insurance you need for Europe depends on the trip you plan to take. It’s vital to factor in your choice of destination, the activities you plan to do, and the likelihood of you needing to cancel your trip. All of these can determine what type of coverage you will need and by how much. Generally speaking, a standard comprehensive insurance plan will cost you between 5 and 10% of your total trip costs

To get the best travel insurance for Europe, follow these tips:

Plan your itinerary carefully

The cost of travel insurance depends on your destination and the type of transportation you plan to use.

Purchase extra coverage if you plan to participate in adventure activities

Most travel insurance plans don’t cover adventure activities, so be sure to purchase additional protection if you plan to take part in such plans

Think about how much flexibility you want

If there’s a good chance you’ll experience an unexpected hiccup, consider purchasing comprehensive health insurance for European travel rather than a basic policy

Consult the table below for a quick overview of the requirements for traveling from the United States to Europe

Tips for visiting Europe

Are there covid-19 restrictions for entering europe.

As of September 2023, most countries have eliminated their COVID-19 screening requirements. However, the situation may change at any time, as SARS-CoV-2 mutates regularly. It is there for advisable that you take out a travel insurance policy that offers COVID-19 coverage .

Do I need a visa to travel to Europe?

In most European countries, including the  27 countries in the Schengen Zone , you don’t need a visa for trips lasting 90 days or less. You do need a visa if you plan to travel to Turkey or the Russian Federation, regardless of how long you plan to stay.

If you plan to stay in the country for more than 90 days, you may need a Schengen visa or a country-specific visa. The Schengen visa allows you to travel between countries in the Schengen Area without going through a check at every border crossing.

As of mid-2025, the European Travel Information and Authorisation System (ETIAS) will go into effect. This system will require any US citizen traveling to Europe to complete an ETIAS application for any European nation that is a co-signer of the Schengen Agreement. The application will cost $8, although some travelers are exempt from paying this fee.

The table below shows the tourist visa requirements for European countries.

Does American insurance work in Europe?

Most U.S. health insurance plans will not cover medical care and treatment outside the United States . Although there are some small exceptions, having comprehensive EU travel insurance will protect you against huge medical bills, travel delays, and much more

Does Medicare cover you in Europe?

In most situations, US-based insurance policies such as Medicare will not provide coverage outside the US. Therefore, it is best to purchase a medical travel insurance plan. This will protect you from huge bills when you require health care or medical supplies you get outside the U.S.

Do I need travel insurance for Europe?

In most cases, travel insurance isn’t required, but you should get it anyway. This type of insurance gives you extra peace of mind in the event you experience a delay, cancellation, or other problem outside of your control.

Is travel insurance for Europe worth it?

Absolutely, travel insurance is worth it . You never know when you’ll come down with a serious illness or experience some other type of emergency. It’s good to have travel insurance to reimburse you for your losses.

How much does travel insurance for a trip to Europe cost?

It depends on your age, destination, and trip cost. For the most basic coverage, you can purchase a policy for as little as $1 per day. A more extensive travel insurance policy for Europe will generally cost between $8 and $11 per day.

Can I use my U.S. health insurance in Europe?

No. Your U.S. health insurance won’t cover any medical expenses incurred in Europe

Leigh Morgan

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last 5 years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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Best Europe travel insurance for Schengen visa of 2024

Home | Travel | Europe | Best Europe travel insurance for Schengen visa of 2024

Buying travel insurance for Europe is one of the main requirements to get a Schengen visa, whether you’re traveling, studying, or doing business on the European continent.

However, if you don’t need a Schengen Visa , you may be asking yourself: Do I need medical travel insurance for Europe? Even if you’re not applying for a Schengen visa, buying travel insurance to Europe is a good idea. As I mentioned in my article on the best international travel insurance companies , if you want the peace of mind that comes with knowing you’re protected in any unforeseen circumstances, you should buy EU travel insurance .

Sicily, best European travel insurance

Not everyone needs the same kind of coverage, so in this article, we’ll reveal the best Europe travel insurance , as well as the best Schengen visa insurance that meets all Schengen visa insurance requirements .

Schengen visa insurance requirements

  • Europe travel insurance cost & comparison

Best Schengen visa insurance

  • Travel insurance to Europe coverage

Not to spoil the surprise, but Heymondo is both the best European travel insurance and the best Schengen insurance since it offers comprehensive coverage for an affordable price. Not only that, but it’s one of the top COVID travel insurance options and was the first company to offer coronavirus coverage. Heymondo is also the only Europe travel insurance that pays your medical expenses upfront for you instead of requiring you to file a claim to get reimbursed .

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5% OFF your travel insurance

To obtain a Schengen visa, you must have Schengen visa travel insurance . Schengen visa insurance requirements are as follows:

  • A minimum coverage of €30,000 for medical emergencies and accidents : European medical expenses aren’t cheap, which is why emergency medical coverage is a Schengen visa insurance requirement . No matter where you travel in the Schengen Area, if you catch an infection or suffer from an injury, your medical fees will be covered.
  • Coverage of repatriation fees in case of medical incidents or death : You may fall gravely ill in a remote area or require further medical attention for a serious injury. In that case, you will need to be transported back to your home country, which can be expensive. Coverage for repatriation means that you won’t have to shell out tons of money just to get back home for treatment; your insurance will cover the transportation fees for you.
  • Coverage of all 26 Schengen Area countries that lasts the entire length of your trip : Even if you’re not planning to visit all 26 countries (which would be incredibly ambitious!), you need to be covered in all of them. Many Schengen visa insurance companies allow you to select “Europe” as your coverage area, which will give you the coverage that you need. Make sure to check the fine print of your insurance policy to ensure you don’t have any problems when you apply for your visa .

What countries are in the Schengen Area?

schengen area eu countries

The 26 countries that make up the Schengen Area are:

  • Czech Republic
  • Liechtenstein
  • Netherlands
  • Switzerland

Of those countries, Iceland, Liechtenstein, Norway, and Switzerland are the only countries that don’t also belong to the European Union.

How much is travel insurance to Europe?

The cost of travel insurance to Europe depends on several factors, including your age, your destination, your home country/state (if you live in the US), the length of your trip, and the cost of your trip. Your travel insurance for Schengen visa cost will be based on similar considerations. However, no matter the cost, you want travel insurance even for the cheapest places to visit in Europe .

Compare travel insurance for Schengen visa

For this Schengen travel insurance comparison , I am using the example of a 30-year-old American male citizen who is from Pennsylvania and is traveling to Spain for two weeks, with a trip cost of $2,500.

In terms of Schengen visa insurance requirements, all five Schengen visa insurance companies offer more than €30,000 worth of medical coverage as well as coverage for repatriation and coverage in the Schengen Area/Europe.

*Price used for example .

As you can see from the Schengen travel insurance comparison above, Heymondo is by far the best travel insurance for Europe and the best Schengen insurance .

It is the only travel insurance for Europe that pays customers’ medical expenses upfront instead of having them pay the expenses and then, file a claim to get reimbursed. Of the five Schengen visa insurance companies we compared, it is the most affordable while matching or even exceeding most other plans’ coverage.

Of course, all five of these travel insurance for Europe plans have their own advantages, so below you’ll find more information on what makes these plans the best European travel insurance .

1. Heymondo , the best Europe travel insurance

If you’re looking for the best travel insurance for Europe , look no further than Heymondo . Their Top plan is the only Europe travel insurance plan that pays your medical expenses for you instead of requiring you to file a claim to get reimbursed after you pay yourself.

heymondo travel insurance, schengen visa travel insurance

Heymondo offers the highest amount of coverage for emergency medical expenses, trip cancellation, and baggage loss, while its repatriation coverage matches or exceeds that of all other companies besides World Trips.

The Top plan is also the cheapest travel insurance for Schengen visa  since it meets all of the Schengen visa insurance requirements (way more than €30,000 worth of emergency medical coverage, coverage for evacuation and repatriation, and coverage throughout the entire Schengen Area) while still being the most affordable.

We have been using it for all our trips during the last two years and their traveler assistance service is superb. If you want to get Heymondo travel insurance to Europe for an even more affordable price, you can save 5% with the Heymondo discount link below.

2. World Nomads , a cheap insurance for European travel

Another cheap Schengen travel insurance is World Nomads .

Their Standard plan is affordably priced and meets the Schengen visa insurance requirements of repatriation coverage and more than €30,000 worth of emergency medical coverage. It also offers the option of selecting either Europe or Schengen area as your coverage area, making it ideal for both travel insurance for Europe and Schengen visa insurance .

best travel insurance for europe

While World Nomads is an excellent travel insurance for Europe , keep in mind that you will have to file a claim to get reimbursed for any medical expenses you incur. If you’d rather avoid this process, Heymondo is a better choice for you.

3. IMG , the best medical travel insurance for Europe

IMG is a great choice if you want the best health insurance for travel to Europe . Their iTravelInsured Travel SE plan offers a high amount of emergency medical and evacuation and repatriation coverage. It also provides excellent travel-related coverage for trip cancellation and baggage loss.

travel insurance for Europe Img global

The iTravelInsured Travel SE plan is affordably priced and meets all Schengen visa insurance requirements . Still, if you want the cheapest travel insurance to Europe , you can get similar coverage for a lower price with Heymondo .

4. Travelex , a reliable European holiday insurance

If you’re looking for dependable Schengen visa insurance , Travelex is perfect for you. Their coverage includes all of Europe, not just the Schengen Area, so it’s ideal for a multi-stop European vacation. Their Select plan offers solid evacuation and repatriation, baggage loss, and trip cancellation coverage, and meets all Schengen visa insurance requirements .

travelex travel insurance for Europe and schengen area

However, the Select plan’s emergency medical expenses coverage leaves much to be desired since it covers the lowest amount out of all the plans I compared, even though the Select plan is the most expensive. Ultimately, you can get much better coverage for a lower price with a plan like Heymondo ’s.

5. WorldTrips , a good travel insurance for Europe

Yet another of the best travel insurance plans for a Europe trip is WorldTrips . Their Preferred plan offers excellent all-around coverage as well as the highest amount of evacuation and repatriation coverage.

world trips health insurance for travel to europe

WorldTrips’ Preferred plan easily meets Schengen visa insurance requirements since it offers $100,000 of emergency medical coverage, coverage in the Schengen Area, and repatriation coverage. However, it is not the most affordable plan since Heymondo ’s plan is cheaper and still offers higher coverage in some areas.

What should travel insurance to Europe cover?

The best European travel insurance includes coverage for the following expenses and situations:

  • Emergency medical expense coverage : this is the bare minimum you need in terms of travel insurance to Europe. Medical fees can get expensive when you don’t have insurance to cover you, and anything can happen when you’re traveling; you could sprain an ankle while walking across cobblestones, experience food poisoning after eating undercooked meat, or contract an illness after encountering someone who’s sick. If you want to buy the cheapest travel insurance for Europe , purchase medical travel insurance for Europe . You’ll save money and still get the emergency medical expense coverage you need.
  • Emergency medical evacuation and repatriation : if you get sick or injured, it may be in a remote area with limited facilities, or your ailment might be serious enough that you need to return to your home country for treatment. With evacuation and repatriation coverage, you won’t have to worry about paying for expensive transportation fees.
  • Trip cancellation: unexpected injuries, illnesses, weather, and work issues could happen at any time and potentially derail your trip. Travel insurance with trip cancellation coverage ensures that you’ll be reimbursed for 100% of your travel costs as long as your cancellation reason is covered by the policy. If you want to be able to cancel your trip for any reason, travel insurance with cancel for any reason is the perfect option.

What should travel insurance to Europe cover?

  • Trip interruption: if you’re visiting multiple countries in Europe, this type of coverage is especially helpful, since something unexpected may come up in the middle of your journey. A family member could fall ill, a natural disaster could occur at your destination or your home, or an unexpected strike could happen. Instead of losing all the money you have paid for the rest of your trip, you can get reimbursed for your travel costs with Europe travel insurance with trip interruption coverage.
  • Baggage loss: theft/loss of your belongings is a common travel hazard, whether it’s the airline losing your luggage, a pickpocket grabbing your phone and wallet, or a stranger taking your suitcase on a train. Baggage loss coverage is an important part of travel insurance for Europe because if you lose your belongings, you will have to replace them, so why not get insurance that reimburses you instead of paying for it out of your own pocket?

Do you need travel insurance to Europe?

Yes, you need travel insurance to Europe if you must have a visa to enter the Schengen Area. Of course, not all travelers are required to obtain a Schengen visa – you can check which countries need a Schengen visa to visit the Schengen Area below.

WHAT COUNTRIES NEED A SCHENGEN VISA TO VISIT THE SCHENGEN AREA?

Travelers from the following countries must obtain a Schengen visa in order to visit the Schengen Area:

Even if you aren’t required to get a Schengen visa, it can still be very helpful to buy Europe travel insurance . Many of the experiences I’ve had, as well as my friends’ and family’s experiences, highlight what a difference having travel insurance for Europe can make.

For example, I was studying English in Ireland with my cousin when he had to have emergency surgery for appendicitis. Luckily, he had EU travel insurance , so the cost of his operation was covered. If he hadn’t had travel insurance for Europe , he would have been stuck paying thousands of euros.

Once, on a trip to Germany, my suitcase never arrived. I was stressed out about not having any clothes or toiletries, but since I had remembered to buy Europe travel insurance before I left, my insurance company covered the cost of all the clothes and basics I needed to repurchase.

Syracuse, Europe travel insurance

Those were two situations that had happy endings, but other travel mishaps have ended less happily because of forgetting to buy travel insurance to Europe .

Years ago, I’d planned a trip to the Ukraine but had to cancel it because of a family emergency. Since I hadn’t purchased travelers insurance for Europe , I lost all of the money I had already paid for flights and accommodation.

Similarly, my mom didn’t bother to purchase Europe travel insurance before traveling to London. Her bag was stolen in a bar, and she lost her cell phone, wallet (with ID and credit cards inside), and camera. She had to pay to replace everything herself because she had no European holiday insurance coverage.

As you can see from the examples above, all kinds of unexpected things could happen to you while you’re traveling. It’s always better to have the security of travel insurance for Europe rather than to risk learning your lesson the hard way.

Is travel insurance to Europe worth it?

Still wondering if you really need travel insurance for Europe ? If you’re applying for a Schengen visa, then yes, Schengen travel insurance is worth it because you won’t be able to obtain your visa and enter the Schengen Area without it.

Even if you don’t need a Schengen visa, Europe travel insurance is still worth it because it’s always safer to travel with travel insurance: you won’t have to worry about paying for medical fees, replacing lost luggage out of your own pocket, or losing money if you need to cancel your trip.

In either case, Heymondo is the best travel insurance for Europe since it offers excellent coverage for a relatively low price as well as direct, upfront payments for medical expenses. If you want even cheaper Heymondo Europe travel insurance , you can get 5% off with the discount link below.

one trip european travel insurance

Ascen Aynat

Comparativa de los mejores seguros de viaje 2024 Covid-19 - Cuándo contratar un seguro de viaje - Seguro de viaje para estudiantes - Seguro de viaje Erasmus

14 replies on “ Best Europe travel insurance for Schengen visa of 2024 ”

' src=

Is there a Schengen insurance that covers the UK on the same trip?

' src=

Hi Supinda, Yes, with the companies above, you can find European travel insurance plans that cover Schengen countries and the UK.

' src=

I wish to travel multiple trips to Europe 4-5 days duration

4-5 trips per year Mostly with my kids

Then I recommend you annual multi-trip travel insurance instead.

Let me know if you have any questions, Ascen

' src=

We are a family of four and applying for long term resident visa for Spain. We need health insurance for the visa. What do you recommend?

How long are you planning to stay in Spain. I usually recommend Heymondo, but if you’re staying for long, maybe it’s better to get a health insurance instead of a Travel Insurance,

Thanks, Ascen

' src=

Great information. Thank you so much for the information. Amazing services are there. i am very glad to see this blog. in the Schengen visa Itinerary also, providing good services like Flight Itinerary, Hotel Reservation and Travel Insurance are there.

' src=

hi Nigeria passport holder want to attend 15 days course in amsterdam Netherland base in Dubai UAE which travel insurance do you recommend for me thanks

' src=

I would try this one.

Let me know what you think.

' src=

We are a family of five traveling to Italy from the US. We are planning to do some hikes there. Which insurance do you recommend?

If you are going to have any kind of hiking or adventure sport I would go with insuremytrip standard for sure. It is the best insurance for Europe if you plan up to 2000m.

' src=

Thanks for this great post! I found all the info I need to decide which is the best travel insurance for my trip to Europe. I hope don’t have to use it though

I am glad to read you! Let me know if you have any question and safe travels!

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one trip european travel insurance

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The 5 Best International Travel Insurance Companies for 2024

one trip european travel insurance

Allianz Travel Insurance »

one trip european travel insurance

AIG Travel Guard »

one trip european travel insurance

Generali Global Assistance »

one trip european travel insurance

World Nomads Travel Insurance »

one trip european travel insurance

GeoBlue »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best International Travel Insurance Companies.

Table of Contents

  • Allianz Travel Insurance
  • AIG Travel Guard

With demand for international travel still on the rise, buying travel insurance makes more sense now than ever before. Having an international travel policy in place will ensure you won't lose the money you spent if your trip is canceled or interrupted for reasons beyond your control – or if your bags are delayed or lost entirely by your airline or cruise line .

Other protective benefits come from the best international travel insurance policies as well, including travel medical coverage for unexpected medical expenses and emergency medical evacuation. You may even find that the destination you plan to visit requires travel insurance, although most countries have dropped travel insurance requirements they initially put in place due to the pandemic.

U.S. News editors compared more than 20 of the top providers to find the best travel insurance companies for trips around the world. If you're hoping to secure the best international travel policy for your needs this year, the policies outlined below provide a solid foundation for you to start your research.

Frequently Asked Questions

While many countries began mandating travel insurance for visitors during the COVID-19 pandemic, most have loosened entry requirements and dropped this condition by now. Countries that still require international visitors to have travel insurance include the following:

  • Antarctica: Travel medical insurance is generally required by cruise lines and tour operators for trips to Antarctica , with a standard minimum of $100,000 in emergency medical and evacuation coverage.
  • Ecuador: You do not need travel insurance to visit the country of Ecuador, but you do need insurance with medical coverage to visit the Galápagos Islands .
  • Qatar: Travelers visiting Qatar for more than 30 days are required to have a travel insurance policy that is approved by the country's Ministry of Public Health.
  • Saudi Arabia: Visitors to Saudi Arabia from eligible countries must pay for an eVisa, and the cost includes compulsory travel insurance coverage.

International travel insurance works the same as travel insurance for domestic trips. These plans include various coverage options and coverage limits, and a deductible may or may not apply. Travelers can choose to purchase international travel insurance for a single trip or multiple trips; long-term plans for expats and missionaries are available from some providers.

While travel insurance policies can include a broad range of coverages, the main protections you'll want for international trips include the following:

  • Trip cancellation and interruption coverage: This type of protection can reimburse you for prepaid travel expenses when a trip is canceled or interrupted for a covered reason beyond your control.
  • Baggage delay insurance: This coverage can pay for incidental expenses that occur when your bags are delayed for a specific period of time (usually six hours or longer).
  • Lost luggage coverage: This protection can replace your luggage and your belongings or reimburse you for costs if your bags are lost by a common carrier.
  • Rental car insurance: This type of insurance may provide primary coverage when you rent an eligible rental car.
  • Emergency medical and dental coverage: This type of insurance will pay for emergency medical treatment or dental expenses that may arise during your trip.
  • Emergency evacuation coverage: This protection can pay for emergency transportation costs when you're sick or injured during your trip.

Also note that many travelers booking an international trip choose to purchase travel insurance that offers cancel for any reason protection, so they can cancel a trip for any reason at all, even if they just decide they don't want to go. That said, adding CFAR coverage to your policy will make your travel insurance plan more expensive. Most plans also have limits on how much of your prepaid travel expenses can be refunded, which are usually capped between 60% to 80% of your trip costs.

While coverages offered through international travel insurance plans tend to be broad, keep in mind that this type of insurance won't cover every situation that could arise. Some common issues that are not covered by international travel insurance plans include:

  • Acts of war
  • Claims due to air or water pollution
  • Claims due to natural disasters
  • Epidemics not specifically included in coverage
  • Extreme, high-risk sports
  • Government regulations or proclamations
  • Nuclear radiation and contamination
  • Terrorist events
  • Travel bulletins or alerts

Many travel credit cards offer international travel insurance benefits, but you should know that these coverages have some limitations. For example, travel insurance plans from credit cards never provide meaningful amounts of coverage for medical emergencies or dental emergencies. You also have to pay for each trip with your travel credit card for coverage to apply.

The best international health insurance plan depends on factors like the length of your trip, where you're traveling and how much coverage you need. While you can take the time to get quotes from several different companies, websites like TravelInsurance.com and Squaremouth make it easy to compare coverage details, limits and pricing among several providers all in one place.

The cost of international travel insurance varies and can depend on your age, the length of your trip, your total trip cost and other factors. Consider getting multiple travel insurance quotes through TravelInsurance.com to get an idea of the cost of coverage for your upcoming travel plans.

  • Allianz Travel Insurance: Best Overall
  • AIG Travel Guard: Best for the Cost
  • Generali Global Assistance: Best for Medical
  • World Nomads Travel Insurance: Best for Active Travelers
  • GeoBlue: Best for Expats

Buy coverage for single trips or multiple trips at once

Annual plans available

Lower coverage amounts for emergency medical expenses than some other plans

  • Trip cancellation coverage up to $100,000
  • Trip interruption coverage up to $150,000
  • Emergency medical coverage up to $50,000
  • Emergency medical transportation coverage up to $500,000
  • Trip change protector coverage worth up to $500
  • Baggage loss and damage coverage up to $1,000
  • Baggage delay coverage up to $300 (12-hour delay required)
  • Travel delay coverage up to $800 ($200 per day)

Add-on coverage available for lodging expenses, preexisting medical conditions and rental cars

Optional CFAR coverage available with some plans

Coverage limits for its lowest-tier Essential plan may be insufficient for some trips

Add-on coverage for preexisting conditions must be purchased within 15 days of the initial trip payment

  • Trip cancellation coverage worth up to 100% of the trip cost
  • Trip interruption coverage worth up to 100% of the trip cost
  • Baggage coverage worth up to $750
  • Up to $200 in coverage for baggage delays
  • Travel medical expense coverage worth up to $15,000
  • Up to $150,000 in coverage for emergency medical evacuation

Choose medical coverage limits based on your needs

Generous limits for emergency medical expenses and medical evacuation across all plans

CFAR coverage must be purchased within 24 hours of initial trip deposit and is only available with Premium plan

Rental car coverage only included in top-tier Premium plan

  • Trip cancellation coverage up to 100% of the trip cost
  • Trip interruption coverage up to 175% of the trip cost
  • Travel delay coverage up to $1,000 per traveler ($300 daily limit)
  • Up to $2,000 per person in baggage protection
  • Up to $2,000 in coverage for sporting equipment
  • Up to $500 per person for baggage delays
  • Up to $500 per person for sporting equipment delays
  • Up to $1,000 per person in protection for missed connections
  • Up to $250,000 per person in coverage for emergency medical and dental procedures
  • Up to $1 million in coverage for emergency assistance and transportation
  • Up to $25,000 per person in rental car coverage
  • Up to $100,000 per plan in accidental death and dismemberment coverage

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Coverage limits within standard plans may be insufficient

No coverage for most preexisting conditions

  • Up to $10,000 in coverage for trip cancellation
  • Up to $100,000 in coverage for emergency medical expenses
  • Up to $500,000 in protection for emergency medical evacuation
  • Up to $3,000 in protection for damage or theft to your bags or gear

Purchase international travel medical insurance for individual trips, multiple trips or long-term travel

Coverage is mostly for emergency medical expenses abroad

Some plans require a primary U.S. health insurance plan

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has covered travel and travel insurance for more than a decade. Johnson has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

You might also be interested in:

one trip european travel insurance

9 Best Travel Insurance Companies of March 2024

Holly Johnson

Find the best travel insurance for you with these U.S. News ratings.

one trip european travel insurance

Travel Insurance for Europe: 4 Best Options for 2024

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one trip european travel insurance

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Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

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travel insurance europe

Travel Insurance for a Trip Europe (2024)

Travel insurance for Europe will help you avoid unexpected costs and provide peace of mind for as low as $70

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Josh Lew is a travel journalist and writer based in the midwestern U.S. He has been active for the past decade, covering airlines, international destinations and ecotourism for sites like TravelPulse and TreeHugger. He currently contributes to content writing agency World Words.

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Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Europe has some of the world’s most visited tourist destinations. Whether you visit the Eiffel Tower in Paris or explore off-the-beaten-path towns in Spain or Germany, travel insurance for Europe can protect you against financial losses while traveling. Delays and cancellations can derail your travel plans, and an accident, injury or illness could leave you with unexpected medical costs.

A travel insurance policy can cover emergency medical expenses and help you avoid losing the money you invested in airfares and hotels if your trip to Europe gets canceled. We at the MarketWatch Guides Team cover what you need to know about travel coverage to help you find the best travel insurance company for your European vacation.

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The Best Europe Travel Insurance Companies

Use the table below to compare prices, COVID-19 coverage and “cancel for any reason” (CFAR) protection for our top travel insurance companies for a trip to Europe.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Europe?

Travel insurance is not required for U.S. citizens to enter Europe. Tourists who are traveling to countries that are part of the Schengen Agreement can enter with a U.S. passport. You may require a visa if you plan to stay in certain countries for more than 90 days.

Europe boasts dozens of countries with diverse attractions and experiences that are easily accessible. A short train ride can take you from ski slopes or beaches to busy cities and quaint towns.

The number of travel possibilities makes Europe attractive to tourists, but certain activities can expose you to an increased risk of injury. If you plan to go skiing, cycling, scuba diving, mountain trekking or participate in any other activities, you can account for the risk of injury with travel health insurance. This insurance policy can cover the cost of emergency healthcare if you get hurt abroad. While you can prevent injuries by taking proper precautions, travel medical insurance gives you peace of mind knowing you have coverage if the unexpected occurs.

Travel insurance plans go beyond injury and illness protection. You can buy travel insurance to cover trip interruptions, cancellations and other travel-related problems like lost baggage. For example, labor strikes are common in Europe and can affect airlines and airports, leading to hundreds of flight cancellations. Travel insurance also covers delays due to storms, volcanic eruptions, earthquakes or other natural disasters.

“Cancel for Any Reason” (CFAR) Coverage

Cancel for any reason (CFAR) coverage allows you to receive compensation for a canceled trip for reasons outside your standard policy. Like all insurance, a traditional trip cancellation policy has exclusions. Your insurance provider will only reimburse for cancellations due to specific reasons, such as a death in the family, an unexpected illness or a natural disaster.

For standard insurance coverage, simply changing your mind does not qualify you for compensation. However, cancel for any reason policies allow you to obtain partial reimbursement for flights, lodging and other prepaid, nonrefundable expenses regardless of your motivation.

CFAR policies can be useful in specific situations. For example, if you book months in advance, it can help you account for scheduling conflicts that could arise between booking and departure.

Gear Theft Protection

Instances of theft, such as pickpocketing and bag snatching, are relatively common in Europe. In fact, the European Union (EU) counted more than 4 million thefts in 2021. Wallets, phones and cameras are popular targets for thieves in tourist areas.

Comprehensive Europe travel insurance may include some gear theft coverage. However, limits are often $1,000 or less, so you may not have enough to cover the loss of expensive devices.

You can seek a travel insurance company that offers increased coverage limits for gear or provides stand-alone theft protection. These travel plans can be worthwhile if you have valuable gear, such as a high-end smartphone, laptop, tablet or camera. You might also consider coverage if you have skiing or sporting equipment.

Travel Medical Insurance in Europe

The U.S. has the highest healthcare costs in the world. However, eight of the 10 most expensive countries for medical care are in Europe. U.S. embassies in Europe can help you find care if you are hurt or sick, but will not assist with medical costs. Private U.S. health insurance does not always cover overseas treatment, and government-sponsored programs like Medicare will not pay for care while you are abroad.

If you suffer an injury or illness and need medical treatment in Europe, you will likely have to pay out of pocket unless you have travel insurance for medical emergencies . These policies cover medical care in hospitals or clinics, but will not pay for elective or unnecessary treatments. For example, if you break your leg while skiing in Switzerland, your travel medical insurance would pay for the hospital visit, surgery, and even an emergency helicopter transport.

Travel medical insurance can be purchased as part of a comprehensive travel insurance plan or as a stand-alone policy. Purchasing some level of travel medical coverage is wise if your regular health insurance is not valid internationally. You can opt for a supplemental plan that provides secondary coverage beyond what your existing health insurance offers. Like other travel coverage, you pay up-front for costs and then submit claims for reimbursement when you return home. Be sure to keep all receipts and medical documentation.

Emergency Medical Evacuation

Most international travel policies also include emergency evacuation and repatriation coverage to cover the cost of air transportation back home if you are seriously injured or ill and require long-term care. Travel insurance may also pay for returning your body home if you pass away while on vacation.

Rental Car Protection in Europe

Forecasts predict that European agencies will rent vehicles to 60 million users in 2023. While the continent has an excellent train network and inexpensive regional flights, travelers may prefer the convenience and freedom of car travel.

In Europe, you must have liability coverage when you rent a car. Most companies also offer optional collision damage waiver (CDW) policies you can purchase directly from the rental agency. However, this coverage is often more expensive and may include a high deductible you would have to pay in the event of an accident.

Some credit cards offer rental car coverage, or your auto insurance may include coverage for rentals abroad. If you plan on driving extensively, you can also purchase a travel insurance policy with rental car protection.

Europe Trip Cancellation Insurance

Trip cancellation insurance pays for the cost of the pre-booked expenses if you cancel your trip to Europe for a covered reason. These policies are meant to cover events that are beyond your control. For example, cancellation insurance will pay the trip cost if you become seriously ill before your departure date.

You can purchase medical and trip cancellation insurance individually based on your coverage needs or buy comprehensive travel plans that account for all issues you could encounter in Europe.

The policies typically cover cancellations due to other circumstances, including:

  • Legal obligations, such as jury summons or a court subpoena
  • Natural disasters
  • Military deployment
  • A death in your immediate family
  • Terrorism, conflicts or political instability

Trip cancellation insurance does not pay out if you change your mind or have a scheduling conflict. The policy may also have restrictions for issues related to pre-existing medical conditions or illnesses that started before you purchased the policy. Opt for CFAR coverage if you prefer flexibility in being able to cancel your travel plans.

You can purchase travel insurance that includes both cancellation and trip interruption coverage. Interruption insurance covers costs associated with unexpected delays. For example, this type of policy would have covered expenses when the 2010 Eyjafjallajökull eruption in Iceland stopped air travel for days.

How Much Does Europe Travel Insurance Cost?

Europe travel insurance costs vary depending on the type of coverage you need, the cost of your trip and your destination.

We gathered quotes from five major travel insurers for an international trip to Europe. The estimates below are for comprehensive travel insurance for five different trips to European countries. Coverage includes cancellation and interruption protection, lost baggage compensation, medical emergency coverage, and evacuation and repatriation. The trip details are the following:

  • A 65-year-old couple taking a week-long $7,000 vacation to London
  • A 30-year-old couple taking a week-long $7,000 trip to London
  • A 19-year-old taking a week-long $2,000 trip to Paris, France
  • A 27-year-old taking a week-long $1,800 trip to Athens, Greece
  • A 51-year-old taking a week-long $2,000 vacation to Madrid, Spain

Trip costs are up-to-date as of December 2023.

Business travelers and other frequent fliers may find it cheaper to get an annual or multi-trip policy instead of single-trip coverage. However, single-trip coverage will likely suffice if you are planning a one-time trip.

Finally, insurers may have different rules for travel within Europe. Some policies are the same within all Schengen countries ( 27 nations that allow borderless movement ), while others require a detailed itinerary listing each country you intend to visit.

How Do I Get Travel Insurance for Europe?

The first step to getting travel insurance is to define your coverage needs. Here are some factors to consider:

  • Does your credit card have cancellation insurance if you use it to book your air tickets and hotel reservations?
  • Does your health insurance cover emergencies occurring overseas?
  • Does your airline offer cancellation insurance or have policies that allow you to cancel before your departure date?
  • Does your auto insurance policy protect car rentals in Europe?
  • Are you traveling with valuable devices or gear that you need to insure?

Once you answer these questions, you can start requesting quotes and select a policy that has the coverage you need and fits your budget.

Europe Safety Tips

Though Europe does experience conflicts and unrest, it is considered a safe continent overall, with most countries experiencing much lower violent crime rates than elsewhere in the world. However, common-sense safety measures can ensure a smooth trip during your European travels.

Crime and Safety

Violent crime is rare in Europe, with 3,690 homicides and 216,400 robberies across the entire continent in 2021. But petty theft, including pickpocketing, is quite common, with more than four million incidents in 2021.

In addition to avoiding isolated areas and staying in groups after dark, take steps to secure items and money in your pockets using zippers, internal pockets or a money belt worn inside your clothing.

Day Trips, Tours and Excursions

Whether you are visiting the Netherlands, Portugal or Romania, there are countless opportunities for day trips and tours across Europe. For example, visitors to Belgium can take a day trip to Luxembourg, or you can visit Sweden while staying in Denmark.

Europe also offers many adventure sports opportunities. Activities like trekking, cycling or skiing can increase your risk of injury. For example, ski injuries are very common in popular destinations like the French Alps. In addition to proper equipment, you should always stick to conditions fitting your skill level to decrease your risks on roads, slopes, or trails.

If you plan to pack your itinerary while in Europe, travel insurance can offer reimbursement for canceled tours and excursions. A travel insurance policy can also cover medical expenses if you are injured while participating in certain activities.

Europe has lifted all travel restrictions related to the coronavirus. Travelers from the U.S. can currently enter the EU without documentation regarding vaccinations or recent COVID test results. However, each EU country can impose restrictions or requirements so be sure to check the rules of each country on your itinerary before departure.

Is Travel Insurance for a Europe Vacation Worth It?

Travel insurance is worth it if your credit card, health coverage and auto insurance do not provide the protection you need while traveling. Insurance coverage may add to the overall price tag of your trip, but it could save you thousands in medical expenses or sunken costs due to unexpected injuries or cancellations. Coverage can also protect your belongings, including lost or damaged luggage and gear such as sporting equipment and cameras.

Frequently Asked Questions About Travel Insurance in Europe

How do i claim compensation for canceled flights to europe.

Compensation for canceled or delayed flights is subject to the airline and not guaranteed.

Airlines have steps to claim compensation based on EU regulations . You are entitled to compensation for canceled flights if the airline does not book you on the next available plane. These rules apply to airlines licensed in the EU, flights within Europe and flights leaving Europe on EU or non-EU-licensed airlines.

You may also receive compensation for food or accommodations if your delay lasts longer than two hours.

Does Europe require travel insurance?

Travelers entering the EU from the U.S. and other visa-free countries are not required to have travel insurance . However, travelers from countries with visa requirements for the Schengen area must have insurance coverage.

Can you buy stand-alone travel medical coverage for Europe?

Travel insurance companies offer stand-alone medical and evacuation insurance policies. However, you can also purchase this coverage as part of a comprehensive travel insurance plan with trip cancellation, interruption and lost baggage protection.

What is not covered by travel insurance?

Travel insurance covers unforeseen events, such as illnesses, accidents or trip cancellations for reasons outside your control. Coverage typically does not extend to foreseeable problems, such as illnesses due to pre-existing conditions or travel to existing conflict zones.

Is Europe a popular destination for U.S. tourists?

In 2019, before the COVID-19 pandemic slowed travel, 30 million Americans crossed the Atlantic to visit Europe. France remains the most popular country for tourism in the world, and other destinations, from Italy to Norway to Croatia to Switzerland, draw millions of visitors each year.

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  • Single Trip Travel Insurance

Single-trip travel insurance

No age limit and all medical conditions considered

Kids go free on family policies(1)

Flight Delay Assistance Plus – available on our premier policies

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Off on your travels? Pack our single-trip travel insurance

Wherever you’re travelling to and however long you're going for, don't forget about your travel insurance. It might not be the most exciting thing to think about but it's just as important as your passport and travel tickets.

Single-trip travel insurance is suitable cover for you if you're about to go away on just one trip. Any more than that and you may be better off with annual multi-trip travel insurance .

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Medical Assistance Plus: 24/7 holiday health support

Have peace of mind when you travel knowing health professionals are just one click away.

Medical Assistance Plus (2), powered by Air Doctor, comes free with all our travel insurance policies. It gives you access to outpatient medical support while you’re away.

Through the service you can book an in-person or video consultation with a doctor. You can also get prescriptions delivered to your nearest pharmacy.

We’ll send you an SMS reminder about the service the day before you travel (for single-trip and backpacker cover) or the day before your policy begins (for annual multi-trip cover).

What’s covered?

Here’s a summary of the cover our single-trip policies provide. For full details check our policy documents. Terms and conditions apply.

Cancellation and cutting short your trip

We'll repay you for any non-refundable, unused travel and accommodation costs if you have to cancel or cut short a trip due to reasons set out in the policy

Emergency medical expenses

We may be able to help if you need emergency medical treatment, return to the UK and more while you’re abroad

Missed departure (3)

We’ll also cover any extra travel and accommodation costs you're charged if you arrive too late to travel on your booked transport. As long as they match the reasons set out in the policy

Items that are usually carried or worn during a trip are covered if they get lost, stolen or damaged

Personal liability and legal costs

You’ll also get protection for any unexpected legal costs you might be charged while you’re away

Sporting activities included

We cover over 100 sports and activities free of charge, but there are some we don’t cover at all. Check your policy wording for the full list and our terms and conditions, as some aren’t covered for personal injury or personal liability

Choose a travel insurance cover level

We can offer you a choice of economy, standard and premier cover levels.

Policy wording

Upgrade your cover with ease

Need cover for your policy that's not included as standard? Just pay a little more to add these upgrades – optional or mandatory depending on the trip type.

This optional extra helps protect you from the impact of airspace disruption, natural catastrophes, terrorist acts or Covid-19 (5)

If you’re happy with the cover offered, but worried about excess fees, you can opt for an excess waiver. For an additional premium, you can add it to any Post Office level of cover for zero excess fees (5)

Insure all your devices with our easy-to-add gadget cover. It’s perfect to protect all your smartphones, tablets, laptops and consoles (5)

Specialist cover is mandatory for winter sports like skiing and snowboarding. There’s greater risk of emergency costs. Make sure you’re protected on the pistes (5)

If you're going on a cruise, specialist cover is both important and mandatory. It covers missed departure due to breakdown, falling ill on board, being confined to your cabin, lost baggage and more (5)

Trip extensions are available up to 45 or 60 days, increasing from the standard 31 days (5)

Woman wearing swimsuit, swim cap and water shoes running in shallow sea water with shingle beach

All medical conditions considered

Living with a medical condition shouldn’t stop you seeing the world. And, with the right travel insurance in place, you can enjoy peace of mind on your adventures – just in case something unfortunate happens.

At Post Office, we cover most pre-existing conditions. Contact us for a quote to see if we can cover you. It’s important to declare upfront all your medical conditions and any medication you're taking.

If we can't help and yours is a serious pre-existing medical condition, check the  Money and Pensions Scheme (MaPS) directory. It lists companies that may be able to help you. Or call 0800 138 7777 .

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance

An award-winning provider

Best travel insurance provider.

Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023

Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023

Defaqto 5-star rated cover

Our travel insurance policies with premier level cover are Defaqto 5-star rated

Common questions

Does single-trip travel insurance cover covid-19.

Policies purchased from the 28 March 2024 onwards provide cover if:

  • You test positive for Covid-19 within 14 days of your trip and are required to self-isolate by a medical practitioner, the NHS or any UK government body
  • A medical practitioner certifies you as too ill to travel due to Covid-19
  • You, someone you’re travelling with, or someone you’re staying with is required to self-isolate by a medical practitioner, UK government body or health authority
  • You, an immediate relative (6) or someone you plan to travel or stay with dies or is hospitalised due to Covid-19

If an insured trip has to be cut short, the unused portion of it can be claimed for if:

  • You, an immediate relative (6) or someone you’re travelling or staying with dies or is hospitalised due to Covid-19

There’s also cover for medical and repatriation costs if you fall ill with Covid-19 while away. Call our emergency assistance line and we’ll help you seek treatment if needed, we can also arrange to bring you back to the UK.

There’s no other coronavirus cover on our policies but, for extra reassurance, you can add our trip disruption cover upgrade option. This gives you added protection against missed departures and expenses charged due to change of testing or quarantine requirements. Add it to your preferred policy for an extra premium.

If you bought your policy with us between 31 March 2022 and 27 March 2024 , some cover for Covid-19 is included as standard. Please visit our coronavirus FAQs page for the full details.

Should the FCDO advise against all travel to your destination, there is no cover under any section of the policy if you decide to travel.

It’s important to follow FCDO advice on essential travel. If you choose to travel and the trip’s not essential, we’ll only cover a claim if the cause isn’t linked to the reason for the FCDO advice. This limitation applies even if you’ve purchased an optional trip disruption cover upgrade . You may be able to travel with full cover if we authorise, in writing, that your trip’s essential before you travel. To request this, please email  [email protected] .

Please make sure you’re clear what’s covered and what’s not. Check the answers to common questions about coronavirus cover and the full policy wording for more details.

What’s covered with single-trip travel insurance?

With single-trip travel insurance, you’re covered for a range of issues that might happen while you're away. These include medical expenses, cancellation or cutting short your trip, plus the loss of your belongings. But check the policy details before you decide on which cover to get. The amounts and things you're covered for a will depend on the level of cover you take out. Take a look at our policy document to find out which one best suits your needs.

Does single-trip travel insurance cover cancellation?

Yes, your single-trip travel insurance policy will cover you if your trip's cancelled or cut it short, for some situations. These can even include cancelling or shortening a trip due to coronavirus, in some cases. You’ll find full details of what’s covered and what isn’t in the policy wording .

Will I need extra cover with single-trip travel insurance?

It depends on what level of cover you need for your trip. The level of cover you have with a single-trip policy is the level you chose when you applied for the travel insurance.

It’s a good idea to list out the cover you think you might need while you’re away. That makes it easier to compare policies to find the one that’s right for you.

For instance, some policies include cover against the impact of Covid-19. But you might want to add extra protection in case the virus causes you to miss a departure or other delays. Check our new trip disruption cover upgrade for further information on how we can help.

Some activities require mandatory additional cover. If you’re going skiing or on a cruise, you’ll need to take out extra specialist cover. That’s because these types of trips involve a different level of risk for insurers. Please be aware that these covers will add an extra cost to your insurance package.

There are some adventure sports and activities that are covered as standard on our single-trip travel insurance and others that aren’t. It’s important to fully understand your policy document so you don’t become involved in something that you’re not covered for.

What are the advantages of single-trip travel insurance?

If you don't travel too often – perhaps only once or twice a year – then you might want to take out a single-trip policy. If you're taking a single trip of lasting duration (up to 365 days(7)) then a single-trip policy can cover you too. Terms and conditions apply.

If it's likely you'll take more than one trip in a year, Post Office Annual Multi-trip Travel Insurance may be a more cost-effective way for you to get covered.

What different cover levels are there for Post Office single-trip travel insurance?

Post Office offers three levels of travel insurance. These are economy, standard and premier. With our premier policy, there's complimentary airport lounge access if your flight's delayed for one hour or more (8).

When is the best time to start my single-trip travel insurance?

It’s often best to buy single-trip travel insurance as soon as you book any part of your trip. Cover for cancellation won’t begin until you buy it. The start date needs to be the start date of your trip, but by taking it out straight away, should something happen between now and the start of your trip, you can be covered for cancellation in some circumstances. It’s another thing sorted and out of the way, and one less thing to forget as you get nearer to your trip and things get busy.

How much is single-trip travel insurance?

The price you pay for single-trip travel insurance really depends on what you need your policy to cover. When you get a quote from Post Office we’ll ask what level of cover you need for all of the things you might like to protect, or issues you may want to safeguard against, when the time comes to travel. So we’ll work out a competitive price for that cover based on the options you choose.

Is there a discount for students?

Yes, there is. We’ve partnered with Student Beans to offer a student discount. To claim it simply log in with your Student Beans account . If you don’t have one, you’ll need to register for a Student Beans account and verify you’re a student first. You’ll be given a unique code, which you’ll need to enter into the promotion box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

Do you offer a discount for graduates?

Yes, we do. We’ve partnered with Grad Beans to offer a discount to graduates. To claim it, you’ll need to either register for a Grad Beans account (to verify your graduate status) or log in with your existing account . You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

  • Read more travel insurance FAQs

Need some help?

Travel insurance help and support.

For emergency medical assistance, to make a claim, manage your account online, find answers to common questions about our cover or get in touch:  

Visit our travel insurance support page

Register your policy

If you haven’t yet registered your Post Office Travel Insurance policy, enter your details and create a log in so you can access it any time 

Register policy

Travel insurance policy types

Single-trip cover.

  • Cover for a one-off trip in the UK or abroad
  • Perfect for one-off trips or longer holidays of up to 365 days (7)
  • No age limit

Annual multi-trip cover

  • Cover for multiple-trips for a 12-month period
  • 31-day trip limit, with extensions available up to 45 and 60 days
  • Available for everyone aged up to 75 years 

Backpacker cover

  • Cover for a one-off trip up to 18 months
  • Option to return home for up to 7 days on 3 occasions.
  • For people aged 18 – 60 wanting to travel the world for a gap year or career break 

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Policy documents

To access your policy documents, select your cover level then tell us the date you bought your cover. 

Economy, standard and premier

Core, extra and max.

Policy numbers starting with TC

Policies are underwritten by Collinson Insurance:

  • Policy wording - purchased on or after the 28 March 2024
  • Policy wording - purchased on or after the 31 August 2023
  • Policy wording – purchased on or after 17 August 2022
  • Policy wording – purchased on or after 31 March 2022

Policy numbers starting with TA

About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

(1) Kids (under 18s) can be covered at no extra cost on our single-trip and annual multi-trip policies provided they have no medical conditions.

(2) Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person, per policy and for each medical event up to 3 appointments per person listed on the policy. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service.

For any online appointments or where the appointment was held at your accommodation, where a prescription is issued, you will need to pay for any medication and claim upon your return home. No excess will be applied for any prescription charges. If your appointment takes place at a clinic and they have a dispensing chemist, you will not need to pay for your prescription and all charges will be covered by your policy at the point of appointment. If there is no dispensing chemist at the clinic, you will either be given a prescription, or the prescription will be sent to a chemist by the treating doctor, and you will need to pay for any medication and claim upon your return home.

If your medical situation needs to be handed over from an outpatient case to an inpatient case and requires hospital admission, you will be handed over to our emergency medical assistance team in the UK. For any inpatient cases, no excess will be applicable.

(3) Missed departure is available with on our standard and premier cover levels.

(4) Increased to £750 if you bought your foreign currency from Post Office.

(5) Terms and conditions apply.

(6) Immediate relative: your mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.

(7) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to: 365 days for those aged up to and including 70 years 90 days for those aged between 71 and 75 31 days for those aged 76 years and above

(8) You need to register your flight online at least 24 hours before your scheduled departure time. Your free lounge access or ability for a monetary cash value will become available on the announcement of a minimum one-hour delay, this can either be announced as one single period of delay or reached as a consequence of multiple incremental shorter delays provided that your flight departs from an airport terminal with a lounge that's part of the LoungeKey network.

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Single Trip Travel Insurance

  • Up to £10m emergency medical expenses cover including repatriation.
  • Personal liability cover up to £2m on Gold cover with up to £1m on Bronze cover.
  • Up to £2,000 personal possessions cover to help in cases of lost, stolen, damaged or destroyed luggage.
  • Unlimited access to HealthHero - our 24/7 video or telephone GP helpline based in the UK.

What is single trip travel insurance?

If you’re heading on a holiday this year, then Single Trip travel insurance can help protect you if something goes wrong. You can be covered from the moment you purchase your holiday to the second you get back home. 

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

No matter where you’re travelling to, travel insurance is just as essential as your passport and your boarding pass. This is because it helps cover the cost if something goes wrong; if you need to cancel your trip before you go, for example, or if you suffer an injury or illness while you’re away, you’ll be protected.

If you’re only going on one holiday this year, then Single Trip holiday insurance is the best option for you. You can get cover for the duration of your trip (up to 180 days), whether you’re holidaying in the UK , Europe , USA or somewhere else abroad.

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What does Single Trip travel insurance cover? 

When you take out our Single Trip travel insurance policy, you’ll have the choice of three levels of cover: Bronze, Silver and Gold.

All our cover levels provide protection for emergency medical expenses including repatriation cover , trip cancellation, personal liability, missed and delayed departures and lost, stolen or damaged personal possessions.

Please see the table below to find out what else we may cover and the applicable limits for each cover level. Terms and Conditions apply.

Depending on what activities you have planned, you may wish to purchase additional cover. If you’re heading skiing, tobogganing or snowboarding, then our Winter Sports and Ski add-on offers an appropriate level of cover for most skiing holidays. 

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Looking to travel a few times this year?

Frequently asked questions.

Depending on how often you travel, you should decide between taking out a Single Trip or Annual muti-trip travel  insurance policy. Single Trip holiday insurance is the best form of cover if you only plan on going away once in the near future.

But if you’re thinking of going away twice or more in a calendar year, it may be worth choosing an Annual travel insurance policy. You’ll need insurance each time you go away, and it can be cheaper and less time consuming to take out one Annual policy, rather than multiple Single Trip policies.

When you take out Single Trip travel insurance, you can travel to multiple destinations, as long as your trip does not last longer than 180 days. Whether you’re looking for Single Trip worldwide travel insurance or Single Trip travel insurance for multiple countries in Europe , we have you covered. You can tailor our policies to suit your plans by selecting just the countries you are travelling to. 

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

If you’re heading on holiday to Europe, Single Trip travel insurance is still important. The European Health Insurance Card (EHIC) or the new Global Health Insurance Card (GHIC) give you some basic medical cover, but you’ll need Single Trip holiday insurance too. Although both your EHIC or GHIC entitle you to either free or reduced medical costs (depending on how the health care system works in a particular country), it won’t cover you for everything. For example, if you have to be treated in a private hospital or need to be repatriated back to the UK in an emergency , you won’t be covered with an EHIC or GHIC card.

If you fall ill and need to pay for any medical care whilst you’re away, it could cost you thousands of pounds. But, Single Trip travel insurance will help cover these costs. 

Despite the UK leaving the EU in January 2021, the EHIC remains valid for UK holders until the expiry date of their card. However, once your EHIC has expired you will have to apply for a Global Health Insurance Card (GHIC). The GHIC will take place of the EHIC and can be applied for and ordered now if you don't already own an EHIC.

  • From 5th May 2021, we will no longer be able to offertravel insurance policies to cover people's pre-existing medical conditions. This is only a temporary measure while we make improvements to the booking engine of our website. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again. Policies purchased before 5th May 2021 aren't affected and your cover won't change.

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Policy documents

You'll need your policy number to submit your claim to us. This is available in your certificate of insurance which is sent to you when you take out cover. 

It's a good idea to take your policy information with you on your trip so you can provide us with all the necessary details in order for us to help.

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Claims assessment

Once we receive your claim, it'll be assessed by our experienced team. 

To speed up the assessment of your claim please make sure to include all applicable information and evidence such as receipts, booking confirmations, hotel reservations and crime reference numbers. If you fail to provide all the necessary information this will cause a delay in processing your claim. 

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Your claims outcome

Once our team has assessed your claim we'll be in touch with you via your preferred contact method to confirm the outcome and inform you of any next steps.

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Policy documents.

If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy through one of the providers  featured in the MoneyHelper  directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory

Call: 0800 138 7777 (lines are open Monday to Friday, 8am to 6pm) or Email: [email protected]

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The Best Travel Insurance for Students

Alisha McDarris

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What does travel insurance for students cover?

How much does travel insurance for students cost, travel guard: best for budget travelers, world nomads: best for adventurers, allianz: best for premier travel benefits at a lower cost, geoblue navigator for students: best study abroad health insurance, more tips for purchasing study abroad travel insurance.

If you’re a student who’s planning to travel internationally or study abroad, it’s a good idea to go prepared with comprehensive student travel insurance. But where do you find plans tailored to your unique needs?

These companies offer some of the best options for travel insurance for students, whether you’re globe-trotting for a week, a semester or a whole year.

Student travel insurance can vary from plan to plan. But there are a few things you should look for whether you’re an exchange student, studying abroad or simply planning an international trip between classes.

Trip cancellation insurance : This coverage reimburses you for any prepaid, nonrefundable costs of your trip should you have to cancel for any unexpected circumstances covered by your selected policy. 

Travel medical coverage : If you become ill or get injured while traveling, travel medical coverage can help pay for medical expenses and even emergency travel back home.

Travel delay insurance : In the event of rescheduled or canceled flights that result in painfully long layovers, this coverage will reimburse you for personal items, food and lodging you may have to pay for as you wait for a rescheduled flight.

Delayed baggage : Just as it sounds, this coverage reimburses you for luggage (including necessities you might have to purchase while you wait for your luggage to arrive) if it’s delayed or lost by a travel provider in transit.

» Learn more: When to buy travel insurance

As with travel insurance for more general travelers, there are several factors that affect the cost of travel insurance for study abroad students and other young travelers, including:

Traveler age.

Overall trip cost.

Trip duration.

Specific coverage selected.

Because there are so many factors involved, and because every travel insurance company is different, it’s often wise to compare a number of plans to decide which is best for you and your travel plans. That said, these are some of the best student travel insurance options.

» Learn more: Best annual travel insurance this year

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Travel Guard by AIG

  • Offers last-minute coverage.
  • Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
  • Plan available for business travelers.
  • Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
  • Trip interruption coverage doesn't apply to trips paid for with points and miles.

What Travel Guard covers

There are several options available from Travel Guard for travel insurance for students studying abroad or simply exploring on break: Deluxe, Preferred and Essential.

They all include trip cancellation and interruption, medical coverage, and lost or delayed baggage insurance. Bonus: They even come with dental coverage. Add-ons like car rental coverage and “cancel for any reason coverage” are also available with some plans.

There is also an annual plan available, but coverage automatically expires if any single trip lasts longer than 90 days, so it wouldn’t likely be sufficient for more than a semester abroad.

Multiple price points for a wide range of coverage options.

Dental coverage included.

24/7 emergency assistance available with all plans.

If you plan on participating in adventure sports, the Adventure Sports Bundle is only available as an add-on on some Preferred and Deluxe plans.

» Learn more: Read our full review of Travel Guard

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World Nomads

  • Travelers can extend coverage mid-trip.
  • The standard plan covers up to $300,000 in emergency evacuation costs.
  • Plans automatically cover 200+ adventurous activities.
  • No Cancel For Any Reason upgrades are available.
  • No pre-existing medical condition waivers are available.

What World Nomads covers

Designed for independent, often more adventurous travelers, World Nomads offers several travel insurance options for students of any age.

While plans may seem more expensive than some other options, it’s important to remember that these plans include medical treatment and evacuation if you are injured while participating in some adventure sports. Plans also cover medical expenses, trip cancellation and interruption, baggage loss and delay, and include 24/7 travel assistance.

Many adventure sports are covered.

Some plans include car rental coverage.

Dental is covered.

Pre-existing conditions aren’t covered.

» Learn more: Best adventure sports travel insurance

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  • Annual or single-trip policies are available.
  • Multiple types of insurance available.
  • All plans include access to a 24/7 assistance hotline.
  • More expensive than average.
  • CFAR upgrades are not available.
  • Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

What Allianz covers

A well-known travel insurance company, Allianz offers a number of travel insurance plans that may appeal to students.

All plans include epidemic coverage, trip cancellation and interruption, medical and dental coverage, baggage loss and delay, and 24-hour assistance. And premium plans tend to offer similar coverage as other insurance companies but at a lower price.

There’s also an annual plan available called AllTrips, but it doesn’t cover individual trips longer than 45 consecutive days.

Includes epidemic coverage (including for COVID-19).

Covers 100% of prepaid costs if you cancel your trip for a covered reason.

The cost to change flights or other transportation is covered on some plans if you have to change or cancel bookings because of a covered reason.

Rental car coverage not included on any plan.

» Learn more: NerdWallet's Allianz review

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  • Flexible deductible options.
  • Wide ranging medical coverage.
  • Low prices for medical only needs.
  • Lacks in traditional travel insurance coverage options such as trip Interruption, bag delays, etc.
  • Better when paired with travel credit card insurance coverage.

What GeoBlue covers

Designed for students staying in one place for more than a week or even a whole semester, GeoBlue’s Navigator for Students plan is perfect for students studying abroad who are more concerned with health care coverage than travel-related benefits.

It’s designed more like traditional health insurance with deductibles, monthly payment plans and unlimited annual maximums when it comes to medical care. It covers medical care inside and outside the U.S., making it a good overall health insurance if you plan to travel back and forth. Travel vaccinations, emergency medical transportation and repatriation are even covered.

What’s not covered are more typical travel-related expenses like lost baggage, delayed flights and trip cancellation. But the medical coverage is so comprehensive that if you want travel-specific coverage, you could opt to purchase a more budget-friendly plan for each specific trip.

Unlimited annual maximum for medical benefits.

Sliding payment scale to customize your deductible-to-monthly premium payments.

Preventive care is covered.

Dental and vision benefits are extra.

Coverage for most travel-related snafus isn’t included.

» Learn more: GeoBlue travel insurance review : Is it worth the cost?

The best travel insurance for students studying abroad or traveling between semesters or even on holiday breaks is insurance that’s best suited to you and your travel plans.

Before you hit “Add to cart,” compare several plans, make sure to read the fine print and understand what’s covered (and, just as importantly, what’s not ). Select a plan that offers the coverage required to help you feel safe, secure and protected wherever you roam.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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WHAT’S COVERED, COSTS, AND TIPS ON FINDING THE BEST TRAVEL INSURANCE FOR YOUR NEEDS

March 28, 2024 | 3 min read.

Erica Bray

Travel insurance can be an overwhelming expense to consider atop an already costly vacation. Admittedly, even as a seasoned travel industry professional with three decades of globe-trotting under my belt, I have a moment of pause each time I’m confronted with this. Ultimately, I almost always purchase some travel insurance coverage, especially when it’s a complex international trip. It’s primarily motivated by my aging parents—heaven forbid anything should happen to them—and wanting a safety net to return home at a moment’s notice without incurring massive out-of-pocket costs. This parental paranoia is just a small piece of the greater solace that travel insurance can provide, says AAA Tour Product Manager Randy Osborne. “Everyone can benefit from travel insurance,” he says. “The unexpected happens. It can provide peace of mind and reduce stress during a traumatic situation, as well as a contact to call when traveling abroad.” Osborne has seen it all. He works directly with AAA Travel Advisors and AAA’s preferred travel insurance provider, Allianz . It’s a vantage point that continually provides him with real-life cautionary travel tales. “I’ve never heard of anyone who needed and used travel insurance regretting having purchased it,” Osborne says. He says the biggest mistake people make is this: “Not getting it at all.” Here are some key things to keep in mind when navigating travel insurance   

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IT’S A FINANCIAL SAFETY NET FOR YOUR VACATION INVESTMENT There is no “one-size-fits-all” travel insurance plan, says Osborne, since available plans will be based on the trip cost, vacation destination(s) and age of the traveler(s). Most comprehensive travel insurance plans, however, will include varying degrees of coverage for the following:

  • Trip Cancellation: This is a predeparture benefit that provides the ability to recoup travel costs if you cannot travel. It’s typically limited to specific reasons covered in the plan. Osborne advises understanding what these covered reasons are upfront when reviewing plan options.
  • Trip Interruption: This helps if you need to cut your trip short. Covered reasons typically include an illness or injury during the trip, or a family emergency at home—which, as mentioned earlier, has always been this author’s primary motivator to purchase travel insurance.
  • Travel Delays: This helps to cover expenses if your travel is delayed due to a covered reason. Osborne advises understanding what constitutes a “travel delay” within the travel insurance plans you are considering.
  • Medical Expenses: This helps to cover unforeseen medical expenses while traveling to destinations where your U.S.-based health insurance may not work. “Frequently, the biggest covered amounts are for medical,” Osborne says.
  • Emergency Evacuation Coverage: This typically helps to cover the cost of transportation (plus related medical services and supplies) to a medical facility if you’re seriously injured or ill. The best plans will provide up to $1 million per person for medical evacuation. This can seem high, but evacuation costs can exceed tens of thousands of dollars, especially if you’re traveling to a remote destination.
  • Baggage Loss or Delays: This helps to recoup costs for lost luggage, as well as damaged or stolen baggage while you are on your trip.

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COMPARE PLANS

In some cases, such as when booking a cruise or a guided group tour vacation, the travel provider may require you to purchase a certain level of travel insurance before you can join the excursion. In these situations, representatives often have options that allow you to bundle travel insurance into the cost of the vacation at the time of booking. Even if this is the case, however, Osborne says it pays to shop around and compare travel insurance plans to see if there is a policy that better suits your needs.   

Most travel insurance companies, including Allianz Insurance, have easy-to-use websites that highlight several levels of travel insurance for your trip. These quotes can be used as baselines for building upon or removing elements. Gather a few online quotes, then speak over the phone with a representative to customize.    

SEEK PROFESSIONAL GUIDANCE

Allow a AAA Travel Advisor to guide you through the process and identify a travel insurance policy that works for your needs, risk tolerance, and budget. The best part: This service is free.

PURCHASE EARLY FOR THE MOST BENEFITS

You’ll get the best and most comprehensive coverage if you purchase travel insurance within the first 14 days of making a trip deposit. (That clock starts ticking once you put a down payment on any part of the vacation.) The biggest benefits include:  

  • Trip Cancellation: The earlier you buy travel insurance, the sooner you are protected—even before you step on that plane, train, or cruise ship. “Often I get calls from travelers who didn’t expect to need insurance and then have a [medical] diagnosis before travel that prevents them from going,” Osborne says.
  • Better Trip Cancellation Coverage Options: Many travel insurance companies offer more covered reasons for trip cancellation if you purchase it within 14 days of making an initial trip deposit.
  • Pre-Existing Medical Conditions: If you have a pre-existing medical condition, most travel insurance will not cover medical situations due to this condition that arise during your travels— that is, unless you purchase comprehensive travel insurance coverage within the first 14 days of making a trip deposit.

ASSESS MEDICAL COVERAGE CAREFULLY, ESPECIALLY IF YOU HAVE A PRE-EXISTING CONDITION

Most U.S.-based health insurance plans won’t offer medical coverage on non-U.S. soil. Even if you have outstanding health insurance, it may not be very helpful during an international vacation where unexpected medical and health issues arise. This is certainly the case if you’re traveling to more remote areas with limited medical facilities or your vacation includes high-risk excursions and activities. Osborne says it’s important to understand whether travel insurance you’re considering offer primary or secondary medical coverage, and to assess which is best for you.   

If you have a pre-existing medical condition or chronic health problems, medical coverage is an especially critical piece of the policy to scrutinize, Osborne says. He recommends consulting a travel insurance specialist so that you are covered accordingly.

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UNDERSTAND WHAT IS NOT COVERED IN THE POLICY It’s easy to focus on what’s included when comparing trip insurance plans. Osborne recommends paying close attention to what is excluded from coverage, too.

Case and point: I recently read about a couple who booked a return flight home after their original flight had been cancelled. When the couple filed a claim with their insurance provider to recoup this cost of this new flight, they learned that this specific scenario was not covered under the policy. (The flight was cancelled due to crew not arriving on time, and the airline was able to rebook the couple on a less-desirable flight home, which the couple declined.)

Clearly understanding the exclusions—and this could be achieved with a simple phone call to the insurance provider’s customer service—could have prevented this financial oops. BE

Find An Agent

AAA Travel Advisors can provide vacation planning guidance to make your next trip unforgettable. Find a Travel Advisor       

CAREFUL RELYING ON CREDIT CARD TRAVEL INSURANCE Just as you should not rely on your U.S.-based health insurance to cover you while traveling internationally, it’s wise to not make assumptions about a credit card that offers travel insurance as one of its perks. Osborne advises reviewing the credit card’s travel insurance coverage amount; the medical coverage policy; whether all trip purchases need to be made with that credit card; and if approved claims results in a cash refund or a travel credit.  

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   EPIDEMIC AND PANDEMIC COVERAGE IS AVAILABLE The events of 2020 turned travel on its head, and also impacted the travel insurance industry. As a result, travel insurance companies evolved and most now offer epidemic and pandemic coverage options. “Having coverage for quarantine is at the forefront of people’s minds now,” says Osborne, pointing to the out-of-pocket costs that came with many travelers having to quarantine in a vacation destination when Covid-19 was at a peak.    BUDGET FOR TRAVEL INSURANCE The average cost of travel insurance is 5% – 6% of your trip costs, according to Forbes Advisors’ analysis of travel insurance rates. If you’re planning an international, bucket-list vacation—and want to protect your investment in the unfortunate event that things go sideways—it’s wise to keep this cost in mind when creating your trip budget. “As much as we don’t want to think about the unexpected, things happen and having the coverage you need when you need it can be a huge benefit,” says Osborne. “If you need it, you will never regret having it.

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Best Cruise Insurance Companies of April 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

A cruise vacation can take much of the stress out of planning a vacation. With a pre-set itinerary on the high seas, you don't have to worry about how you're getting to your destination and what you're going to do there. However, an unexpected emergency can take the wind out of your sails and money out of your travel budget. So you'll want to ensure you have the best travel insurance coverage that won't leave you high and dry in an emergency.

Best Cruise Insurance Companies

  • Nationwide Travel Insurance : Best Overall
  • AXA Assistance USA : Best for Affordability
  • Seven Corners Travel Insurance : Best for Seniors
  • HTH Worldwide Travel Insurance : Best for Expensive Trips
  • World Nomads Travel Insurance : Best for Exotic Locations

Compare the Top Cruise Insurance Offers

Nationwide Nationwide Travel Insurance

  • Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
  • con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
  • con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

  • Cancel for any reason coverage available

AXA AXA Assistance USA

  • Trip cancellation coverage of up to 100% of the trip cost
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
  • con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
  • con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

  • Silver, Gold, and Platinum plans available
  • Trip interruption coverage of up to 150% of the trip cost
  • Emergency medical coverage of up to $250,000

Seven Corners Seven Corners Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
  • con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
  • con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
  • Trip cancellation insurance of up to 100% of the trip cost
  • Trip interruption insurance of up to 150% of the trip cost
  • Cancel for any reason (CFAR) insurance available

HTH Worldwide HTH Worldwide Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
  • con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
  • con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
  • Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
  • Cancel for any reason insurance and missed connection insurance available with the Preferred plan
  • Baggage delay insurance starting after 24 or 12 hours depending on the plan

World Nomads World Nomads Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
  • con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
  • con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
  • con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
  • Coverage for 150+ activities and sports
  • 2 plans: Standard and Explorer
  • Trip protection for up to $10,000
  • Emergency medical insurance of up to $100,000
  • Emergency evacuation coverage for up to $500,000
  • Coverage to protect your items (up to $3,000)

Cruise Insurance Reviews

Best cruise insurance overall: nationwide travel insurance.

Nationwide Travel Insurance  is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates.

It has three cruise insurance options: Universal, Choice, and Luxury. The Nationwide Choice plan, for example, offers $100,000 in emergency medical coverage and $500,000 in emergency medical evacuation coverage.

The right plan for you depends on your budget and coverage needs. But each plan offers cruise-specific coverages like ship-based mechanical breakdowns, coverage for missed prepaid excursions if your cruise itinerary changes, and covered service disruptions aboard the cruise ship.

Read our Nationwide Travel Insurance review here.

Best Cruise Insurance for Affordability: AXA Travel Insurance

AXA Assistance USA  offers three comprehensive coverage plans: Gold, Silver, and Platinum. Each of these plans offers coverage for issues like missed flights, medical emergencies, lost luggage, and more.

The highest-tier Platinum plan provides $250,000 in medical emergency coverage and $1 million in medical evacuation coverage. The baggage loss coverage is $3,000 per person, and their missed connection coverage is $1,500 per person for cruises and tours.

In addition, travelers can take advantage of AXA's concierge service, which provides an extensive network of international service providers. They'll be able to assist you with things like restaurant reservations and referrals, golf course information, and more. This service could come in handy if you're stopping at a variety of unfamiliar destinations during your cruise.

The coverage limits on AXA's policies are on the higher end compared to other providers. And you can buy coverage for a little as 4% of your trip cost depending on your age, travel destination, and state of residence.

Read our AXA Travel Insurance review here.

Best Cruise Insurance for Seniors: Seven Corners Travel Insurance

Seven Corners Travel Insurance lets cruisers enjoy traveling in their golden years with the knowledge they're covered in the event of an accident or emergency. While other providers do offer coverage to those 80+ years old, Seven Corners is known for its affordable premiums while offering above-average medical expenses and medical evacuation coverage limits — two areas of travel insurance coverage that are even more important as we get older.

Seven Corners also offers the option of a preexisting conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies.

You can choose between the Trip Protection Basic or Trip Protection Choice plans, with the higher-tier Choice plan costing more but providing more coverage.

Read our Seven Corners Travel Insurance review here. 

Best Cruise Insurance for Expensive Trips: HTH Worldwide Travel Insurance

HTH Worldwide Travel Insurance  offers three levels of trip protection: TripProtector Economy, Classic, and Preferred. The higher the tier, the more coverage you'll get for things like baggage delays, trip delays & cancellations, and medical expenses. But their premiums remain reasonable even at the highest tier of coverage.

Not only does the HTH Worldwide Trip Protector Preferred plan offer higher-than-average medical emergency and evacuation coverage limits ($500,000 and $1 million, respectively), but you'll also get a baggage loss coverage limit of $2,000 per person and coverage for trip interruption of up to 200% of the trip cost. You also have the option to add CFAR coverage for an additional cost.

Read our HTH Worldwide Travel Insurance review here.

Best Cruise Insurance for Exotic Locations: World Nomads Travel Insurance

World Nomads Travel Insurance  has been a top choice for comprehensive travel insurance for many years now. And it's a great option when it comes to cruise coverage, too.

Even the most basic Standard Plan comes with $100,000 in medical emergency coverage and $300,000 in emergency evacuation coverage. And you'll get higher coverage limits with their Premium Plan. Plus, unlike many other providers, World Nomads trip cancellation and emergency medical coverage include COVID-19-related issues.

What sets World Nomads apart from many other insurance companies is that its policies cover 200+ adventure sports. This can be important for adventurous cruisers who plan to take part in activities like jet skiing, scuba diving, or parasailing during their cruise.

Read our World Nomads Travel Insurance review here.

Introduction to Cruise Insurance

Cruise insurance may offer unique coverage like missed port of call and medical evacuation coverage. You might not need the flight protections of a regular travel insurance plan if you're catching a cruise at a port near you, but medical and cancel for any reason coverage could be critical.

Understanding the Basics of Cruise Insurance

At its core, cruise insurance is your financial lifeboat, designed to protect you from unforeseen events that could disrupt your sea voyage. Whether it's a sudden illness, adverse weather, or other unexpected occurrences, having the right insurance can make a world of difference.

Why Cruise Insurance is Important

Picture this: You're all set for your dream cruise, but a sudden family emergency means you can't set sail. Or worse, you fall ill in the middle of the ocean. Without cruise insurance, you're not just missing out on an adventure, but also facing potentially huge financial losses. That's why securing cruise insurance isn't just recommended; it's a crucial part of your cruise planning.

Types of Cruise Insurance Coverage

Cruise insurance isn't a one-size-fits-all life jacket. There are various types of coverage, each tailored to protect different aspects of your cruise experience.

Trip Cancellation and Interruption Coverage

This coverage is like your safety net, catching you financially if you need to cancel your trip last minute or cut it short due to emergencies, be it due to personal, health-related, or even certain work conflicts.

Medical Coverage

Being on a cruise shouldn't mean being adrift from medical care. Medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances.

Emergency Evacuation Coverage

In the rare case that you need to be evacuated from the ship due to a medical emergency or severe weather, this coverage ensures you're not left adrift in a sea of expenses.

Baggage and Personal Effects Coverage

Imagine reaching your dream destination only to find your luggage lost at sea. This coverage ensures that lost, stolen, or damaged baggage doesn't dampen your cruise experience.

Buying Cruise Insurance

Securing the best cruise insurance isn't just about finding the best price; it's about ensuring it covers all your potential needs.

When to Purchase Cruise Insurance

Timing is everything. Purchasing your insurance soon after booking your cruise can often provide additional benefits and ensure you're covered for any early surprises. As you get closer to your trip your coverage options may get more expensive, and certain providers may not be able to offer you coverage.

How to Find the Best Deals on Cruise Insurance

Keep a lookout for deals, but remember, the cheapest option isn't always the best. Balance cost with coverage, and ensure you're getting the protection you need at a price that doesn't rock your financial boat. A travel insurance comparison site like SquareMouth is a good place to compare multiple quotes from all of the major carriers at once.

How to Pick The Best Cruise Insurance for You

When buying travel insurance for a cruise, consider the additional risks that are specific to cruising. These include hurricanes and other weather-related concerns, strict cancellation terms, high pre-paid costs of a cruise, and the distance to emergency medical assistance.

To find the policy that's right for you, it's best to compare several different cruise insurance policies based on the pricing and coverage they provide. Remember too that all reputable insurance providers will offer a "free-look period." This allows you to return the policy you've purchased for any reason, within a specific time period, for a full refund.

The most important coverages to look for in cruise insurance are:

  • Medical coverage — This coverage will pay for medical bills outside the US. But because treatment can be more expensive while onboard, make sure your policy offers sufficient coverage ($100,000+).
  • Medical evacuation coverage — This coverage will transport you to the nearest hospital or even back home if you become sick or injured during your journey. But an evacuation from sea will be more expensive than one from land. So you'll want to make sure your coverage has sufficiently high limits ($250,000+).
  • Missed connection (missed port of call) coverage — This type of coverage will help you catch up to your itinerary if you miss your port of call for a covered reason, like a delayed flight on the way to the airport.
  • Coverage for hurricane warnings — With this type of coverage, you don't actually need to be affected by the hurricane. You can cancel and be reimbursed for your trip if the NOAA issues a hurricane warning. If you're cruising anywhere during (or on the tail ends) of hurricane season, this can come in handy. Just note: You can't buy travel insurance to cover a weather event once a storm or hurricane has been named.
  • Cancel for any reason (CFAR) — This is the most comprehensive coverage you can get, as it allows cancellations and reimbursement for pre-paid expenses for any reason. This can be a wise add-on for cruise coverage given the often higher prepaid expenses associated with cruising. See our guide to the best CFAR travel insurance options to learn more.
  • Preexisting conditions — This coverage ensures that no known health conditions are excluded from coverage. Obtaining a preexisting condition waiver usually requires purchasing your travel insurance soon after booking your trip.
  • Personal possessions insurance — Because of the events and fancy dinners cruise ships hold, you might take more valuable clothing or jewelry with you on a cruise. This type of coverage will insure your belongings against loss or theft while cruising.
  • Baggage loss and delay — This coverage will reimburse you up to a specified amount for essentials if your bags are delayed or if your bags get lost en route.

As a rule of thumb, you can expect to pay between 5% and 10% of your prepaid, nonrefundable trip expenses for cruise insurance coverage. The price will vary depending on factors like your age, your travel destination, and whether you require additional coverage.

If you're booking a cruise, we recommend purchasing travel insurance when you make your first trip payment. That could be for the cruise itself or an expense like airfare to get you to your cruising destination. This way, if you have to cancel your trip, you'll have the most extended coverage period possible.

You can buy your own cruise insurance that isn't offered directly through the cruise line operator. In fact, this could be a better option if you want coverage for your travel to the cruise's departure point, not just for the cruise itself.

The difference between traditional travel insurance and cruise insurance is that cruise insurance offers more specialized coverage, for situations such as missing a departure port and more coverage for medical evacuations, since it's more expensive to evacuate someone at sea than on land. 

Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port. Just make sure you check the details of your policy before you file a claim, and before you travel so you know what compensation you're entitled to.

Why You Should Trust Us: How We Chose the Best Cruise Travel Insurance

When comparing cruise travel insurance providers, we evaluated them based on the following criteria to come up with our list of top picks:

Customer Satisfaction

We look at ratings from JD Power and other industry giants to see where a company ranks in customer satisfaction. We also look at customer review sites like Trustpilot and SquareMouth.

Policy Types

We look at policy types and offerings, from standard travel protections to adventure sports coverage. We look at the amount of insurance offered

Average Premiums

We compare average premiums per trip. Some companies also offer annual plans, and we compare policies accordingly.

Claims Paid

How frequently do companies pay claims easily and quickly? We check customer reviews and other resources to see which companies honor policies most effectively.

We look at the company's overall behavior. Is it operating ethically? Companies can earn additional points for such behaviors.

You can read more about how Business Insider rates insurance here.

one trip european travel insurance

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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COMMENTS

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  2. Travel Insurance For Europe: Coverage And Policies for 2024

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  3. Travel Insurance for Europe: 4 Best Options for 2024

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  4. The Best Travel Health Insurance Companies for Europe

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  8. Schengen Travel Insurance: How to choose the best one

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  11. 11 Best Travel Insurance Companies Of March 2024

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  14. Single trip travel insurance: How does it work?

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  15. The 5 Best International Travel Insurance Companies for 2024

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    AXA is the number one provider of travel insurance for trips to Europe and offers assistance 24/7, as well as other options and tailor-made products. Other coverage available includes our Europe Travel insurance, costing €33 per week, or Schengen Multi Trip insurance, which is perfect for regular travelers and available for €328 for a year ...

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    Travel statistics compiled by Forbes Advisor using data from the Association of British Insurers (ABI), show that British holidaymakers travelling to Spain made the highest number of medical ...

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    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.

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    There is no "one-size-fits-all" travel insurance plan, says Osborne, since available plans will be based on the trip cost, vacation destination(s) and age of the traveler(s). Most comprehensive travel insurance plans, however, will include varying degrees of coverage for the following: ... The average cost of travel insurance is 5% - 6% ...

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    Best Cruise Insurance for Expensive Trips: HTH Worldwide Travel Insurance. HTH Worldwide Travel Insurance offers three levels of trip protection: TripProtector Economy, Classic, and Preferred. The ...

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