Travel Insurance to Europe: Everything You Need to Know

Traveling to Europe is an incredible experience. The continent is rich in history, culture, and natural beauty. But as with any trip, there are always risks involved, no matter how well you plan. That’s why it’s essential to consider purchasing travel insurance before embarking on your European adventure. In this article, we’ll cover everything you need to know about travel insurance to Europe, from what it covers to how to find the best policy for your needs.

What is Travel Insurance?

Travel insurance is a type of insurance that provides coverage for unexpected events that may occur while traveling. It typically covers things like trip cancellation or interruption, medical emergencies, and lost or stolen luggage.

Some travel insurance policies also include additional benefits such as emergency medical evacuation or coverage for adventure sports. There are many different types of travel insurance policies available, so it’s essential to choose one that fits your specific needs.

What Does Travel Insurance to Europe Cover?

Travel insurance to Europe typically covers many of the same things as travel insurance for other destinations. However, there may be some differences depending on the specific policy you choose.

Some of the most common things covered by travel insurance to Europe include:

Trip Cancellation or Interruption
Covers the cost of your trip if you need to cancel or cut it short due to unexpected events like a family emergency or illness.
Medical Emergencies
Covers the cost of medical treatment if you become sick or injured while traveling.
Lost or Stolen Luggage
Covers the cost of replacing lost or stolen luggage or personal items.
Emergency Medical Evacuation
Covers the cost of emergency medical transport to a hospital or medical facility for treatment.
Travel Delay
Covers expenses like hotel stays and meals if your trip is delayed due to weather, strikes, or other unexpected events.

How Much Does Travel Insurance to Europe Cost?

The cost of travel insurance to Europe varies depending on several factors, including the length of your trip, the level of coverage you need, and your age and overall health.

As a general rule, you can expect to pay between 4% and 10% of the total cost of your trip for travel insurance. For example, if your trip to Europe costs $5,000, your travel insurance policy may cost between $200 and $500.

It’s essential to shop around and compare policies from various providers to ensure you’re getting the best value for your money.

How to Choose the Right Travel Insurance Policy for Europe

Choosing the right travel insurance policy for your European trip can be overwhelming, given the number of options available. Here are some factors to consider when selecting a policy:


Make sure the policy you choose covers all the countries you plan to visit during your trip to Europe. Some policies may exclude certain countries or regions.


Consider how long you will be traveling and choose a policy that covers the entire length of your trip.

Coverage Limits

Make sure you choose a policy with adequate coverage limits for the types of events you’re most concerned about. For example, if you’re worried about medical emergencies, choose a policy with high medical coverage limits.


Check the deductible amounts for each type of coverage included in the policy. You’ll want to choose a policy with deductibles that you can afford to pay out of pocket if an unexpected event occurs.

Additional Benefits

Consider any additional benefits you may need, such as coverage for adventure sports or rental car protection.


Q: Do I really need travel insurance for my trip to Europe?

A: While travel insurance is not required for entry into Europe, it’s highly recommended. Europe is a safe destination overall, but unexpected events can still occur, and travel insurance can provide peace of mind.

Q: When should I purchase travel insurance?

A: It’s best to purchase travel insurance as soon as you book your trip. This ensures that you have coverage in case you need to cancel your trip before departure.

Q: What if I have a pre-existing medical condition?

A: Some travel insurance policies may exclude coverage for pre-existing medical conditions. However, some providers offer policies with coverage for pre-existing conditions if you purchase the policy within a certain time frame after booking your trip.

Q: Does travel insurance cover trip cancellation due to COVID-19?

A: It depends on the policy you choose. Some travel insurance policies may include coverage for trip cancellation or interruption due to COVID-19, while others may exclude it. It’s essential to read the policy carefully and understand what is and isn’t covered.

Q: What should I do if I need to file a claim?

A: If you need to file a claim, contact your travel insurance provider as soon as possible. They will provide you with instructions on how to proceed and any documentation you need to submit.


Travel insurance is an essential part of any trip, including those to Europe. It provides peace of mind and can help protect you from unexpected events that may occur while traveling. By considering the factors outlined in this article and comparing policies from various providers, you can find the right travel insurance policy for your European adventure.