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We know that travel may feel a bit different at the moment, but travel insurance for Europe can give you confidence to get travelling once again. Rediscover your favourite European cities or smell the sea air, all while knowing you’ll have our support if the unexpected happens.
With FCDO guidance changing regularly right now, it’s vital that you make sure it’s safe for you to travel before you set off.
If the FCDO have advised against all but essential travel to your destination but you feel it’s safe to go, you can add the European FCDO Travel Advice Extension to your policy for a level of cover.
It’s worth noting, FCDO advice is different to government regulations and travel bans that may be in place.
With travel advice changing so quickly, it’s important you keep up-to-date with travel advice.
Before you travel, you’ll need to check:
FCDO travel advice and the red, amber and green list are separate. Even if a country is on the ‘green list’ you need to check the FCDO advice to be sure it’s safe to travel.
Find out what our coronavirus cover includes with a new travel insurance policy.
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Emergency medical cover abroad for COVID-19
24 hour medical emergency support
We’ve given over 7m people peace of mind
Data covers 2005 to 2020
Get 10% off PCR tests for travel with a new policy
If you’re heading abroad anytime soon, chances are you’ll be expected to test for COVID-19 using a government approved PCR test.
We’ve teamed up with Randox Health to offer you 10% off PCR tests when you buy any travel insurance policy with us.
Simply buy a travel insurance policy with us and receive your discount code by email. Your discount will lower the cost of a standard PCR test by 10% per person.
| Basic | Comprehensive |
|---|---|
| Medical emergencies and repatriation | |
| Up to £5 million | Unlimited |
| Cancellation | |
| Up to £500 | Up to £5,000 |
| Cutting your holiday short | |
| Up to £500 | Up to £5,000 |
| Baggage claims | |
| Up to £300 | Up to £2,500 |
| Cash lost or stolen | |
| Up to £250 | Up to £500 |
| Personal liability | |
| - | Up to £2 million |
| Legal protection cover | |
| - | Up to £25,000 |
| End Supplier Failure | |
| - | £3,000 |
| Excess | |
| £85-£100 | £65 |
Tailor your policy to suit your needs. Not all holidays are created equal, so you’ll want to tailor your policy to cover you properly.
Before you take out a policy with us, it’s worth thinking about the areas where you might need to upgrade your level of cover.
| Basic | Comprehensive | |
|---|---|---|
| Medical emergencies and repatriation | Up to £5 million | Unlimited |
| Cancellation | Up to £500 | Up to £5,000 |
| Cutting your holiday short | Up to £500 | Up to £5,000 |
| Baggage claims | Up to £300 | Up to £2,500 |
| Cash lost or stolen | Up to £250 | Up to £500 |
| Personal liability | - | Up to £2 million |
| Legal protection cover | - | Up to £25,000 |
| End Supplier Failure | - | £3,000 |
| Excess | £85-£100 | £65 |
Tailor your policy to suit your needs. Not all holidays are created equal, so you’ll want to tailor your policy to cover you properly.
Before you take out a policy with us, it’s worth thinking about the areas where you might need to upgrade your level of cover.
The NHS recommends that British holidaymakers carry a GHIC (UK Global Health Insurance Card), which now replaces the EHIC (European Health Insurance Card), as well as a valid travel insurance policy when travelling in Europe. There are limits to what the GHIC covers - they are not a replacement for quality travel insurance.
Carrying a GHIC entitles you to free or reduced cost medical care and treatment when travelling within the EU.
It's a condition of our insurance that when you travel to Europe you do take a GHIC, or if you’re still eligible an EHIC with you.
This means we can waive your travel insurance excess if you need to make a medical claim. (This could amount to £100 per person on a Basic Travel Insurance policy and £65 per person for Comprehensive Travel Insurance policies.)
Travellers should also be aware that the GHIC is not accepted in the following places:
We offer two types of policy to suit you and your family’s travel plans in Europe:
Single Trip Travel Insurance is ideal if you're going for a one-off holiday or trip. A weekend break in Amsterdam? A city break in Austria? A couple of weeks in Spain? You'll be covered with a Single Trip policy.
It's flexible too. You can add in as many destinations as you want within the trip, and your trip can last for up to 104 days.
Annual Travel Insurance may be a better fit for you if you're planning on taking more than one holiday within a year. It can cover all of your trips in Europe in that time and even further afield if you choose worldwide cover. Also, if you're under 70, you'll be able to stay for up to 50 days in any one trip, up to a total of 183 days.
Thinking of an even longer trip? If you're under the age of 76, our long stay plan means you'll be covered for up to 366 days away for any single trip.
When you’re travelling in Europe, you’ll want to enjoy your holiday comfortably, confident that you’re well covered by your travel insurance if you have a medical emergency.
You can declare your medical condition through our online medical screening process, which is a straightforward set of questions for us to understand how your medical conditions affect you. Or, if you prefer, you can complete the medical screening over the phone.
It’s important that all pre-existing conditions are declared on your policy. This will avoid large medical bills if you need treatment in another country. Failure to disclose any pre-existing medical conditions may affect the validity of your policy should you need to claim.
Whenever you need us, our 24/7 claims team is here for you.
View claims information95%
of claims paid in 5 working days^* Winner of the British Travel Awards 2016-2020
If the country you are in or travelling to changes from Green to Amber and you want to cancel or cut your trip short, any costs incurred or elements of the trip that are lost will not be covered by our policy. You should contact your airline, tour operator, accommodation provider, or other carriers to enquire about refunds, or about changing your travel plans.
Based on more Trustpilot reviews than any other travel insurance provider.
