European travel insurance

Travel insurance for Europe. Compare quotes from £2.59*

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Coronavirus (Covid-19) - important information 17th May 2021

From 17th May 2021, a traffic light system will be used for overseas travel. This means trips to green list countries will be allowed, but only if you live in England or Scotland.

Wales and Northern Ireland haven't announced when non-essential international travel will be legally permitted, so it's important you follow all the rules that apply to you.

Before buying travel insurance, you should think about what could happen if your destination moves from a green list country to an amber or red list country. You may face extra costs and face travel restrictions that won't be covered by your travel insurance policy.

The traffic light system only tells you what you have to do when returning to England or Scotland, as there will be strict border control measures in place. So even if a country is on the green list, you still need to check your destination's entry requirements and the Foreign, Commonwealth and Development Office (FCDO) advice for travelling there. If the Foreign Office has advised against travel to your destination and you still decide to travel, you won’t be covered by any travel insurance policy you buy.

A few insurers do offer cover if you're an essential traveller, but if you have any questions, you should check the policy wording or contact your chosen provider before you buy.

*The cheapest Europe policy is £2.59 (based on 1 adult aged 31, with no previous medical conditions travelling in Europe for up to 3 nights). Prices correct on the 15/02/2021.

We compare up to 52 trusted travel brands to find you the best deals.

What is European travel insurance?

Wherever you might be going in Europe, European travel insurance could not only protect you against unexpected costs but it could also give you peace of mind, so you're left to simply enjoy your holiday, worry and hassle-free.

The European Health Insurance Card (EHIC) could provide you with free state medical care, but it only applies to EEA countries plus Switzerland and it does not include transportation to the hospital or repatriation back to the UK.

What could European travel insurance cover?

  • Emergency medical treatment if you fall ill
  • If your luggage, personal possessions and travel money are lost or stolen, you could recover the value of your items
  • Expenses from delays and cancellations if your flights are delayed or if you have to cut your trip short
  • Airline insolvency cover could come in handy if your airline goes bankrupt
  • Do you have a question? Let's see if we can answer your travel related question.

Types of cover

  • If you're getting an annual policy, make sure you check that the countries that you're travelling to are covered by your policy (you may have to take out a separate cover if you're travelling to countries outside Europe)
  • Backpacker policies cover a single trip that could last up to 18 months
  • Winter sports cover offers specialist medical treatment and could protect your ski or snowboarding equipment

Travel insurance tips

  • Read the small print of your policy, as there might be some policy exclusions (you can preview terms and conditions before purchasing so you know exactly what you're getting with your travel policy)
  • Check how much your excess is, as it might not be worth claiming for a camera that is worth £100 if the excess is £150
  • Report your items lost, stolen or damaged within 24 hours of the incident (most insurance providers ask for a written police report for proof)

Why buy European travel policy through Confused.com?

Finding the right policy could be a pain, especially when you have pre-holiday excitement and packing to do. But don't worry, here at Confused.com, we want to make your search for European cover as straightforward as possible.

  • Compare up to 52 travel insurance companies in just a few minutes
  • We offer travel insurance advice, and many other travel guides to help you on your travels

If you have a serious, pre-existing medical condition

If you have a pre-existing medical condition, you can still get a quote through Confused.com. These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.

Some insurers might not cover you if you already have a serious medical condition, or if you have a number of conditions. Others might only offer insurance at a much higher price. If you're unable to find suitable cover, the Money and Pension Service (MaPS) has also set up a directory of insurers willing to cover customers with pre-existing medical conditions.

You can contact the Money and Pensions Service (MaPS) or you can telephone 0800 138 7777.

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Our service is free and compares a wide range of trusted household names. Confused.com is an intermediary and receives commission from theidol.com if you decide to buy through our website which is based on a percentage of the total annual premium. We pride ourselves on impartiality and independence – therefore we don't promote any one insurance provider over another.