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Travel Insurance for Europe
Explore Europe and discover sun, stunning landscapes and remarkable cultural diversity. Before you set off, be sure to pack a Holiday Extras' holiday insurance policy to reduce any hassle when travelling. Once you've booked you'll benefit from a policy level of your choosing, which will offer reassuring cover tailored to your trip.
Not all destinations are obviously classed as Europe for travel insurance. Here's a quick guide:
Policy | Coverage |
---|---|
Europe (Excluding Spain, Greece, Malta, Cyprus & Turkey) | This policy covers: Åland Islands, Albania, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Germany, Gibraltar, Hungary, Iceland, Ireland, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Svalbard and Jan Mayen, Sweden, Switzerland, Vatican City |
Europe (Including Spain, Greece, Malta, Cyprus & Turkey) | This policy covers: Balearics, Canary Islands, Corfu, Crete, Cyprus, Greece, Greek Islands, Kos (Greek Island), Lanzarote, Majorca, Malta, Minorca, Rhodes, Sardinia, Spain, Tenerife, Turkey. |
If you're unsure, simply fill out the quote form at the top of the page to check if your destination is covered.
If you are travelling with any medical conditions you will be comforted to know that we will consider all medical conditions and proudly offer cover for the majority of conditions, at excellent value.
Do I need travel insurance for Europe?
While travel insurance isn't a legal requirement for European trips, it certainly offers peace of mind. Without it, you could face significant costs for cancelled flights, medical treatment, or lost luggage. Protect yourself from unforeseen issues and help avoid financial strain during your trip.
Do I still need travel insurance if I have an EHIC card?
A European health insurance card (or EHIC card) is a provision available to all citizens of participating European countries that entitles you to the same level of state provided medical care as a person living in the country you're visiting.
While it is indeed very helpful to have an EHIC card, it may not always provide as much cover as a specific European travel insurance policy. This is because the exact medical cover you can expect to receive with an EHIC card will vary from country to country, and in many cases you will still be expected to pay at least part of the medical bill. Under and EHIC card you are not insured for repatriation back to your home country should the need arise, and repatriation can be very costly.
What's more, an EHIC card won't cover you for other possible eventualities such as lost luggage, missed flights or cover for your gadgets and tech.
Types of European Travel Insurance cover
We offer two types of travel insurance policies and three levels of cover, allowing you the flexibility to choose the protection that best suits your trip.
Single trip policy: Ideal if you prefer a single two-week holiday each year to somewhere like the Canary Islands, or planning the holiday of a lifetime that could last several months.Annual travel insurance: Perfect for frequent travellers who enjoy regular city breaks to destinations like Barcelona or Budapest.
All trips covered under our policies must start and end in the UK and cannot exceed the maximum trip duration outlined in your policy. Additionally, for annual travel insurance, each trip must include at least one overnight stay, as day trips are not covered.
What should my travel insurance cover for Europe include?
As with all types of travel insurance, European cover can protect you in multiple ways, it could include:
- Medical conditions - Coverage for individuals who have existing health issues, to protect against unforeseen medical expenses whilst travelling.
- Repatriation - An unexpected return to your home country in the event of a medical emergency.
- Cancellation - Having to cancel or cut short you trip due to unexpected circumstances, or if a particualr destination is no longer safe to travel to.
- Gadget cover - Helps towards the cost of damaged devices, or loss of gadgets.
Lower rates for travel to Europe
With Holiday Extras, you can take advantage of lower costs for travel to European countries, and you'll still receive high levels of protection from unforeseen events. You can choose from two levels of cover depending on your destination: Europe, either including or excluding Greece, Spain, Cyprus, Malta and Turkey. The higher costs for the latter policy are still great value, and the increased premium reflects the higher cost of medical expenses in those countries.
However little or much you do on holiday - we've got you covered!
Whether you're planning to sail around the Mediterranean or Aegean, visiting Spain or Croatia, organising a ski trip to France or golfing in Portugal, we've got travel insurance to cover a variety of trip types.
- Sports Travel Insurance
- Winter Sports Travel Insurance
- Golf Travel Insurance
- Cruise Travel Insurance
To find some more great travel tips, visit our Holiday Extras travel guides where you can also discover a host of European travel destinations, including Spain, Italy and France.
Frequently Asked Questions
Can I get European travel insurance cover with a pre-existing medical condition?
Yes, you can obtain European travel insurance even if you have a pre-existing medical condition. We cover the majority of pre-existing medical conditions, and all medical conditions will be considered.
When applying for travel insurance, it's essential to declare any pre-existing medical conditions during the medical screening process. This ensures your policy provides appropriate coverage tailored to your health needs. Our policies are designed to offer comprehensive protection, including coverage for medical expenses, trip cancellations, and other unforeseen events.
When should my European travel insurance cover start?
For those travelling once or twice a year Single Trip Insurance can be booked up to a 18 months in advance and cover starts on the day you buy it. Single Trip Policies expire on the return date that you state when making your booking.
For frequent travellers, Annual Travel Insurance can be booked up to 90 days in advance and cover begins on the dates stipulated when purchasing the policy, so make sure that your policy starts on the day you purchase it or on the day you buy your plane tickets to also be guaranteed pre-departure cover. Annual Trip policies last twelve months from the date you select them to start.
What documents do I need in order to travel to Europe?
When taking out travel insurance for a trip to Europe, you'll need certain documents to ensure your policy is valid and provides adequate coverage. For the most up to date information on the location you are travelling to, please check the GOV.UK website.
How many days will I be covered for with European travel insurance?
The number of days you'll be covered for with European travel insurance depends on the type of policy you choose. We offer two types of policies - annual travel insurance and single trip insurance - each with different coverage durations to suit your travel plans.
- Annual Travel Insurance - provides cover for unlimited trips within a 365-day period, as long as each trip includes at least one overnight stay and does not exceed the maximum trip duration outlined in your policy.
- Single Trip Insurance - provides cover for one-off holidays for the entire duration of your trip, whether it's a two-week getaway or a longer holiday of several months
Please remember that all trips must begin and end in the UK.
Is European travel cover more expensive since the UK left the EU?
The cost of European travel insurance can vary depending on a range of factors rather than solely on the UK's departure from the EU. Your destination, trip length and personal circumstances all play a role. Some countries have higher medical costs or risks and longer trips typically require more extensive coverage. Activities such as skiing, as well as pre-existing medical conditions, may also increase premiums due to the need for tailored policies.
Other elements, such as the level of cover chosen (e.g. for cancellations, lost belongings, or medical expenses) and whether you opt for a single-trip policy or annual multi-trip cover, can also impact pricing. While Brexit has influenced the market, these factors combined play a significant role in determining the overall cost of your travel insurance.
Holiday Extras Travel Insurance is sold and administered by Holiday Extras Cover Limited, registered office address: Ashford Road, Newingreen, Hythe, Kent CT21 4JF.
Holiday Extras Cover Limited is an insurance intermediary authorised and regulated by the Financial Conduct Authority, registration number 828848. You can check this by visiting the Financial Services Register
Holiday Extras™ is a Trading Name of Holiday Extras Cover Limited. The insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN.
Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this by visiting the Financial Services Register