Planning a trip to Europe? Whether you’re strolling through the romantic streets of Paris, hiking the Swiss Alps, or exploring the historic ruins of Rome, one thing you shouldn’t overlook is travel insurance.

Europe is a dream destination, but unexpected events like flight cancellations, lost luggage, or medical emergencies can turn your adventure into a nightmare.

That’s why we’ve put together this comprehensive guide to help you find the best travel insurance for European trips. From budget-friendly options to plans with COVID coverage, we’ve got you covered. Let’s dive in!

Why Do You Need Travel Insurance for Europe?

Travel insurance isn’t just a safety net—it’s a necessity. Here’s why:

• Medical Emergencies and Hospitalization: Healthcare in Europe can be expensive for non-residents. Travel insurance ensures you’re covered for unexpected illnesses or injuries. Covers accidents, illnesses, and emergency medical care.
• Trip Cancellations or interruptions: Flights get canceled, and plans change. Insurance can reimburse you for non-refundable expenses.
• Travel delays: Provides compensation for accommodation and food if your trip is delayed.
• Lost Luggage, or delayed baggage: Airlines misplace bags. Insurance reimburses you for essential items if your luggage is lost or delayed, and also can cover the cost of replacing your belongings.
• Schengen Visa Requirements: If you’re visiting multiple European countries, you’ll likely need a Schengen visa, which requires proof of travel insurance.
• Emergency evacuation and repatriation: Covers expenses for medical evacuation to your home country if necessary.
• Personal liability: Covers legal costs in case you accidentally injure someone or damage property.

Do You Need Travel Insurance for a Schengen Visa?

If you’re applying for a Schengen visa, travel insurance is mandatory. The policy must meet the following requirements:

• Minimum coverage of €30,000 for medical emergencies
• Coverage for all Schengen area countries
• Must include repatriation in case of death

Many insurers offer Schengen visa travel insurance, so make sure to choose a plan that meets these requirements.

What to Look for in Europe Travel Insurance

Not all travel insurance plans are created equal. Here are the key features to consider:

1. Medical Coverage: Ensure your plan covers at least €30,000 in medical expenses, as required for Schengen visas.
2. Trip Cancellation and Interruption: Look for plans that reimburse you for canceled flights or unexpected trip changes.
3. COVID-19 Coverage: Many insurers now include coverage for COVID-related medical expenses and trip cancellations.
4. Baggage and Personal Belongings: Choose a plan that covers lost, stolen, or damaged luggage.
5. 24/7 Assistance: Opt for a provider that offers round-the-clock support for emergencies.

Best Travel Insurance for Europe in 2025

Here are our top picks for the best travel insurance for Europe, tailored to different needs and budgets:

1. Best Overall: World Nomads

World Nomads is a favorite among travelers for its comprehensive coverage and flexibility.

• Why Choose It?
  • Ideal for adventure travelers.
  • Covers over 150 activities and high-risk activities like skiing, hiking, and scuba diving.
  • Offers COVID-19 coverage.
  • Easy claims process and 24/7 support.
• Best For: Adventurous travelers, long-term travelers, digital nomads, and backpackers.

2. Best for Schengen Visa: AXA Schengen Travel Insurance

If you’re applying for a Schengen visa, AXA is a reliable choice.

• Why Choose It?
  • Meets all Schengen visa travel insurance requirements.
  • Offers affordable plans starting at €0.99 per day.
  • Provides instant visa confirmation.
  • Covers medical emergencies, trip interruptions, and lost luggage
• Best For: Travelers needing visa-compliant insurance.

3. Best Budget Option: SafetyWing

SafetyWing is perfect for budget-conscious travelers.

• Why Choose It?
  • Affordable monthly subscriptions.
  • Covers COVID-19 medical expenses.
  • Ideal for long-term travelers, remote workers, and digital nomads.
• Best For: Backpackers and long-term travelers.

4. Best for Seniors: Allianz Travel Insurance

Allianz offers tailored plans for seniors traveling to Europe.

• Why Choose It?
  • Comprehensive medical coverage.
  • No age limits for certain plans.
  • Optional add-ons for pre-existing conditions.
  • Covers trip cancellations, medical expenses, and baggage loss
• Best For: Senior travelers and retirees.

5. Best for COVID Coverage: Heymondo

Heymondo is a top choice for travelers prioritizing COVID-19 protection.

• Why Choose It?
  • Covers COVID-related medical expenses and cancellations.
  • Offers a user-friendly app for claims and support.
  • Includes 24/7 medical assistance.
• Best For: Travelers seeking peace of mind during the pandemic.

6. Best Plans for U.S. Residents: Travel Guard by AIG

Travel Guard by AIG is a top choice for travelers from the USA.

• Why Choose It?
  • Comprehensive plans for U.S. and UK residents visiting Europe
  • Covers travel health insurance for Europe
  • Excellent customer service and claims processing
• Best For: Travelers from the USA and UK visiting Europe.

How to Choose the Right Travel Insurance for Europe

When selecting travel insurance coverage in Europe, the right plan depends on your travel style and needs. Here’s a quick checklist:

• Duration of Trip: Short-term or long-term?
• Activities: Will you be skiing, hiking, or engaging in adventure sports?
• Budget: How much are you willing to spend?
• Special Needs: Do you require coverage for pre-existing conditions or COVID-19?
• Destination-Specific Coverage: Make sure your policy covers all the European countries you’re visiting. Some plans may have exclusions, so check the fine print.
• Medical Coverage: Opt for a policy with at least €100,000 in medical coverage, especially if you plan to engage in outdoor activities.
• Trip Cancellation & Delay Benefits: Look for a plan that reimburses non-refundable bookings if your trip is canceled due to illness, weather, or other emergencies.
• Pre-Existing Medical Conditions: If you have any pre-existing medical conditions, choose a provider that offers coverage without additional costs.
• Affordability vs. Coverage: While cheap travel insurance for Europe might save you money upfront, it may lack essential coverage. Always balance price with benefits.

Tips for Buying Travel Insurance

1. Compare Plans: Use comparison websites to find the best deals.
2. Read the Fine Print: Understand what’s covered and what’s not.
3. Check Reviews: Look for customer feedback on insurers.
4. Buy Early: Purchase insurance as soon as you book your trip for maximum coverage.

Related: 15 Must-Have Travel Apps For Europe Trip

Travel Insurance for UK Residents Visiting Europe

UK travelers heading to Europe after Brexit need to be extra cautious. While the Global Health Insurance Card (GHIC) provides some medical coverage, it does not replace comprehensive travel insurance plans for Europe. Make sure your policy covers trip cancellations, emergency evacuations, and personal liability.

Common Mistakes to Avoid When Buying Travel Insurance

1. Not Reading the Policy Terms – Always check what’s covered and excluded.
2. Ignoring Medical Coverage – Prioritize a plan with high medical benefits.
3. Opting for the Cheapest Plan – Sometimes cheap policies offer limited coverage.
4. Not Checking COVID-19 Coverage – Ensure your policy covers pandemic-related expenses.
5. Skipping Travel Delay and Lost Luggage Protection – These can be lifesavers in case of emergencies.

Final Thoughts: Is Travel Insurance Worth It for Europe?

Absolutely! Whether you’re on a short vacation, a business trip, or a backpacking adventure, having the best travel insurance for Europe gives you peace of mind. Europe is a magical destination, but it’s always better to be safe than sorry. Investing in the best travel insurance for Europe ensures you can explore with confidence, knowing you’re protected against the unexpected. It ensures that in case of emergencies, you won’t have to bear huge out-of-pocket expenses.

Ready to find the perfect plan? Compare options, read reviews, and choose a policy that suits your needs. Your European adventure awaits—make it unforgettable!

By following this guide, you’ll not only find the best travel insurance for Europe but also enjoy peace of mind on your journey. Safe travels!

Affiliate Disclaimer: This article contains affiliate links. If you purchase a travel insurance plan through our links, we may earn a small commission at no extra cost to you. This helps us keep creating helpful content for travelers like you!

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