Holiday travel insurance if you travelling to Europe

Travelling to Europe?

Travel insurance covers you for far more than an EHIC!

Holiday travel insurance if you're travelling to Europe

We have different policies depending on your circumstances all of which provide cover in Europe. Simply click the appropriate button at the bottom of the page to obtain your quotation and to book online.

Travel insurance for Europe is essential! Just because Europe doesn't seem that far away, not taking out travel insurance could expose you to serious financial risk. Why?

Because medical bills can run into thousands of pounds, even in Europe - Spain especially.

Why a European Health Insurance Card might not provide you with what you think!

A European Health Insurance Card only puts you on the same basis as an insured resident of the European country you're in. It doesn't necessarily mean that any consultations or treatment you need will be free. It also won't cover you for things like cancellation, loss of baggage and personal items or if you need to be repatriated to the UK and need an air ambulance (it does happen!). This could run into many thousands of pounds, too.

When is a European Health Insurance Card useful?

Most travel insurance policies have what's called an excess. This means that if you make a claim, you need to meet the first part of it. If your medical claim is low and therefore wouldn't be met by your insurance, the costs could be met under the EHIC system. To apply for a European Health Insurance Card, just click here (a new browser window will open).

Our travel insurance can cover you just for Europe and you can by a policy just for one trip. However, if you're travelling more than once a year, it could work out more economical if you buy an annual, multi-trip policy. You can then take as many trips as you like in a year!

Which countries come under the definition of Europe?

We have different policies, depending on whether you have any pre-existing medical conditions that need to be included in the cover.

It's best to click the quotation button below, appropriate to your circumstances, and click on the link to see the policy wording for that policy. It will list which countries that insurer defines as being in Europe. The definition is not based on membership of the European Union.

What's regarded as a pre-existing medical condition?

Even things like asthma and well controlled blood pressure or cholesterol would fall into this definition. Even in Europe, medical treatment can be costly, so it's really worth going through our medical screening process and having medical conditions included in your travel insurance with us.