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Planning on heading to Europe this year? Our European Travel Insurance covers you for medical emergencies, trip cancellation and baggage.

Travel anywhere in Europe with peace of mind with our European Travel Insurance policies.

Why do you need European Travel Insurance?

European Travel Insurance is designed to protect you and provide peace of mind when travelling to Europe. 

This covers you for medical emergencies, including those relating to pre-existing medical conditions you declare. You will also have cover for lost luggage, travel delays and personal liability.

Without European Travel Insurance, you could face some high medical costs and be out of pocket should mishaps occur. For example, falling and breaking a hip in Spain could cost around £15,000 to treat. If you’re not insured and need medical treatment and repatriation from Spain to the UK, it can cost as much as £124,000.

That’s why our European Travel Insurance covers you for all the essentials:

  • Comprehensive cover across Europe: This includes everything from emergency medical expenses to lost luggage and travel delays
  • Specialist medical protection: Emergency medical treatment in Europe can be expensive. As Medical Travel Insurance specialists, we can cover over 1,300 different medical conditions
  • No upper age limit: we believe everyone should be able to explore and enjoy Europe.. We will help you find a policy tailored to you

What does AllClear’s Travel Insurance for Europe cover?

Our Europe Travel Insurance covers you for travel to a European country, even if you have pre-existing medical conditions. 

We have 20 years of experience in providing Medical Travel Insurance policies tailored to our customers’ needs, allowing you to travel across Europe with confidence and full peace of mind.

European Travel Insurance is crucial to cover any unexpected medical bills and complications that could arise when you’re away. 

Here is what our Europe Travel Insurance covers:

  • What’s covered?

    • Medical expenses – Travellers in 2022 made 112,000 medical claims, a 235% increase on the year before. We cover all emergency medical costs as well as transport back home if needed.
    • Medical aids If you lose medical equipment or aids while in Europe, we’ll cover the costs
    • Medication If you misplace your medication in Europe, we will help you get a replacement as soon as possible
    • Repatriation With repatriation cover (which is included in every AllClear policy), you’re fully covered for medical transport from anywhere in Europe back to the UK
    • Lost luggage – If your luggage is lost, stolen or damaged during your trip to Europe, we will replace your important items 
    • Cancellation and curtailment – Delays and cancellations happen. So, it’s important you’re protected in case your trip is cancelled or cut short due to reasons beyond your control
    • Travel disruption – We will help you cover alternative transport or accommodation if your travel plans are disrupted
  • What’s not covered?

    • Medical conditions you fail to declare: During your quoting process, you must declare any pre-existing medical conditions. This is especially important for older travellers and those with long-term illnesses
    • Missed departure within your control – While we know that things can go wrong, we can’t cover you if you miss your transport because of an issue within your control
    • Deciding not to travel – We only offer cancellation cover for specific reasons, such as illness, injury or bereavement. For full details, please see your policy documents
    • Airline strikes or actions that disrupt your trip If your trip is disrupted due to an airline strike or something similar, you would need to contact the airline directly
    • High-risk activities – You won’t be able to get cover for. Winter Sports if you are over 65. However extra protection is available for an additional premium




Gold Plus


Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Unlimited
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Travel Delay Up to £300 Up to £1,500 Up to £1,500
Personal Belongings Up to £2k Up to £2.5k Up to £5k
Personal liability Up to £2m Up to £2m Up to £2m
Legal protection cover Up to £50k Up to £50k Up to £100k

* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

Find the best Travel Insurance for Europe

Having the right insurance in place before you set off means fewer worries while you’re in Europe. Travellers heading to Spain made the highest number of medical claims (20,000) – likely because it’s also the most popular holiday spot for UK travellers.

Whether you’re travelling to Paris, Rome, Cyprus or elsewhere in Europe, you need the right policy.

Here are some to consider:

  • Single Trip Travel Insurance is ideal if you are only planning one holiday, cruise or land, within a year
  • Annual Multi-Trip Travel Insurance covers all trips within a year. This could include a cruise around Scandinavia or multiple trips across central Europe. This may be more cost-effective than buying Single Trip Travel Insurance for each trip
  • Group Travel Insurance is a fantastic option if you’re travelling with a big group as you’ll all be covered under the same policy. This could include anywhere from two to ten travellers.
  • Family Travel Insurance covers you and your family throughout your trip to Europe. With this policy, everyone has the same level of protection. This means you don’t need to take our separate single policies for each person

Which countries are included in our Europe Travel Insurance?

We cover Europe’s top travel destinations, providing specialist Medical Travel Insurance for peace of mind.

Our Single Trip policies can cover any European Destination, including:

Austria Gibraltar Norway
Belgium Greece Poland
Bulgaria Iceland Portugal
Croatia Ireland  Rhodes
Cyprus Italy Spain
France Malta Sweden
Germany   Switzerland

Our European policies also cover
Egypt, Morocco and Tunisia.

If you’re booking Annual Multi-trip Travel Insurance, this is available either to the whole of Europe or to Europe excluding the following locations:

Your European Travel Insurance will also cover your UK holidays, provided you have pre-booked accommodation. 

AllClear’s Europe Travel Insurance for pre-existing medical conditions

29% of travellers buy Travel Insurance because they’re concerned about their health while they’re away. If you’re travelling with pre-existing medical conditions, you must find the right policy so you’re covered no matter what happens.

Here are a few of the medical conditions we cover:

How our European Travel Insurance works: A simple 3 step quote process

Arranging Travel Insurance to Europe is straightforward with AllClear.

Simply complete our quick 3-step screening process to receive your quote.

Here’s how it works.

1. Get a quote online or by phone

Once you’re ready to start the quote process, the first step is to provide your personal details and information about your European trip plans. This can be completed over the phone with one of our team members or online.

Get your quote

2. Complete our simple medical screening process

Here, you need to declare any medical conditions you have and any medications you and your travel companions are taking. Be sure to answer all our medical questions and tell us everything we need to know about your current health. 

This way, we can provide the cover that best suits your needs.

3. Receive your quote

You will then receive your quote(s) and can either proceed to buy or save your quote at this stage.

Letitia Smith

“Having European Travel Insurance allows you to travel anywhere with peace of mind. Whether you’re travelling with your partner, friends or family, knowing you’re protected across Europe means you can make the most of your travel experiences without worrying about the ‘what ifs’. Everything from emergency medical cover to protection for lost luggage and travel delays and cancellations is covered under your European Travel Insurance policy.”

Letitia Smith – Travel Insurance expert.

What our customers say

We’ve helped over 3.5 million people travel across the world with confidence.

Take a look at some of our most recent reviews. 

What our Customers Say

Frequently asked questions on Travel Insurance for Europe

Do you need Travel Insurance for Europe?

Yes, travelling with the right Travel Insurance is essential. This will make sure you’re protected against unexpected medical expenses, trip cancellations, lost luggage, and other unexpected events during your journey.

Without it, you could face unwanted stress in the event of an emergency, as well as hefty medical bills, expenses for rescheduling or cancelling trips, and the inconvenience of replacing lost or stolen luggage.

Do you need medical or health insurance for Europe?

Health insurance isn’t a legal requirement in Europe. However, comprehensive Medical Travel Insurance for your trip to Europe is essential to make sure you’re protected.

For example, if you were to injure yourself in Spain and need a flight home, this could cost you upwards of £25,000 without comprehensive cover.

Our European Travel Insurance covers emergency medical care, including pre-existing health conditions.

What insurance do you need to travel to Europe?

Your Europe Travel Insurance should cover:

  • Medical expenses and hospital benefit
  • Cancelling and cutting short your holiday
  • Delayed departure
  • Personal belongings and baggage
  • Accommodation cover
  • Personal accident and liability

If you’re planning to enjoy a European cruise, you can add Cruise Travel Insurance to our Gold Plus policies, and it is covered as standard on Platinum.

How much does Travel Insurance to Europe cost?

Insurance for European trips tends to be cheaper than cover for heading further afield. However, the destination within Europe can affect the cost of cover. Spain, for example, has higher medical costs than most of Europe. This means that insurance for Spain will usually cost more than a policy for Italy.

Our Annual Multi-trip Travel Insurance is available either for the whole of Europe or for Europe excluding Spain, the Balearic Islands, The Canaries, Turkey, Cyprus and Malta, which may be cheaper if you’re not travelling to these countries.

The length of the trip will also affect the cost of the policy. If you plan to take multiple trips to Europe, an annual policy will usually work out better value.

Do you need a GHIC card to visit Europe?

Although it is not a legal requirement to have a GHIC card, it is recommended you travel with a GHIC card as well as European Travel Insurance if you plan to visit Europe. 

A study by the UK Government found that 17% of travellers wrongly assumed that when travelling in Europe they don’t need insurance because they have an GHIC card. 

Your GHIC card only covers you for certain medical treatments within the European Economic Area (EEA) and Switzerland. It does not cover additional expenses such as repatriation, private medical care, or non-medical costs like lost luggage or trip cancellations.

Meanwhile, European Travel Insurance covers you for all the above.

Get the most out of your European trips with our helpful guides

Where are you visiting?

Explore our helpful guides for tips to ensure you remember everything you need when travelling to one of the below destinations:

Which activities do you have planned?

Whether you’re teeing off on a golf trip or setting sail on a cruise, remember to add extra cover to your policy for a worry-free trip.

Written by: Russell Wallace | Travel Insurance Expert
Last Updated: 7 June 2024

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.