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Home » Travel insurance » Europe Travel Insurance

Do I need Travel Insurance in Europe?

Europe travel insurance covers you when you travel to a European country, even if you have pre-existing medical conditions. This type of insurance covers you for medical emergencies, even those related to COVID-19, while abroad, which is vital to prevent unexpected medical bills and unnecessary complications that could arise when you’re away. The FCDO will continue to provide travel advice throughout 2021.

Enhanced Coronavirus Cover for Europe

2020 was an unprecedented year but we know that, even during the Coronavirus pandemic, many of you still wanted to travel. Confidence to travel in 2021 in Europe is growing. In our annual survey, AllClear CEO Chris Rolland discussed the impact of COVID-19 and the confident feeling going forward, stating that “(the) early promise of a vaccine gives grounds to believe the travel sector will recover strongly in 2021.

So it’s important that you have travel insurance that gives you complete peace of mind. We offer enhanced Covid-19 cover with our travel insurance including medical emergency expenses of up to £15 million.

Travel insurance from AllClear also covers you for cancellation and curtailment up to £25,000, and personal belongings up to £3,000.

Europe is the most popular travel destination for UK residents, with a host of locations in over 40 countries.

No matter where you go on holiday, you will need to take out European travel insurance if you want to cover against cancellations and lost luggage. Whether you are travelling to Paris, Stockholm or Athens, finding yourself without any personal possessions or no way to get home in a foreign country is not a position anyone ever wants to find themselves in.

Travel insurance from AllClear covers you in the event of such things happening, with cancellations and curtailment being covered up to £25,000, and personal belongings covered up to £3,000. Add this on top of our medical travel insurance coverage of up to £15million for all ages and medical conditions, you can enjoy your trip without any worry.

What Countries does European Travel Insurance Cover?

At Allclear we have helped insure millions of people since 2000 and we continue to provide specialised medical travel insurance to our ever-growing base of customers. Our European medical insurance covers every country on the European continent including:

AustriaGibraltarNorway
BelgiumGreecePoland
BulgariaIcelandPortugal
CroatiaIrelandSpain
CyprusItalySweden
FranceMaltaSwitzerland
GermanyNetherlands

Our AllClear European policies also cover:

Your AllClear European travel insurance will also cover your UK holidays, provided you have pre-booked accommodation and the government is not advising against or prohibiting domestic travel.

Wherever you are travelling in Europe, let AllClear take care of your medical travel insurance needs with one of our 5-star policies, today!

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Up to £15m
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Extended cover 30 days FREE 30 days FREE 30 days FREE
Friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 Up to £2k Up to £2k Up to £2k
Travel Delay Up to £100 Up to £350 Up to £500
Recuperation stay
Cost of return flight due to COVID-19
Personal Belongings Up to £2k Up to £2.5k Up to £3k
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

Will you be covered if you’re travelling during the COVID-19 pandemic?

There are three things to check so that you can make sure you're covered:

  • You must be fit to travel
  • The FCDO must NOT have advised against travel to your destination - check the FCDO travel advice
  • You must follow the local government advice for your destination, checking and following their guidelines and entry requirements

You can then be covered for emergency medical expenses and cancellation for a positive diagnosis of COVID-19, with AllClear travel insurance with enhanced Coronavirus cover. Existing policyholders should read our Frequently Asked Questions if your trip is affected by Covid-19.

Simple 3 step quote process

1. Call us or click a quote button on our site

Once you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.

2. Complete our simple medical screening process

You then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.

3. Get your quotes

You will then get your quotes and can either proceed to buy, or save your quote, at this stage. Freephone to get your quote on: or

Will you be covered for travel during the Coronavirus pandemic?

To ensure that you have the correct cover in place before you travel firstly check the FCDO website frequently to be sure that there is no advice against travelling to Europe. There are three things to check so that you can make sure you’re covered:

  • You must be fit to travel
  • The FCO must NOT have advised against travel to your destination
  • You must follow the local government advice for your destination, checking and following their guidelines and entry requirements

You can then be covered for emergency medical expenses or cancellation due to a positive COVID-19 diagnosis, when you have travel insurance with enhanced Coronavirus cover. If you’re an existing policyholder, please can read our Frequently Asked Questions to see if your trip is affected by Covid-19.

Importance of quality travel insurance since the pandemic

Is EHIC Still Valid?

European Health Cards (EHICs) were valid for UK residents until December 2020. Thanks to the new agreement between the UK and the EU, millions of UK Citizens can still access free healthcare across Europe after Brexit through a new UK Global Health Insurance Card (GHIC). The GHIC will eventually replace the EHIC card, however your EHIC remains valid in the EU until your card’s current expiry date.

The new GHIC includes cover for emergency medical expenses for pre-existing conditions at the same rate as local citizens, which is why it is important to have a separate medical insurance policy in place before you travel.

While the GHIC entitles you to emergency medical cover, you are not entitled to the same standard of care delivered by the NHS free at the point of use, only the state healthcare for the same price as the residents of your destination country. Also GHIC doesn’t cover repatriation, meaning you could be required to pay thousands for your transport back to the UK. Further reasons to have European travel insurance are:

  • Few EU countries pay the full cost of medical treatment, even under the European Union’s healthcare arrangements. You still need sufficient travel insurance to cover healthcare costs
  • In some countries, such as Greece, the health service only covers medical treatment, and will not extend to feeding and personal care

If you need an air ambulance home or you can’t travel home on your booked ticket, you could still face a bill of thousands. A broken ankle, for example, can often mean a medical escort home (usually required by the airline in case of complications in flight) and a first-class seat for extra legroom.

You may not be covered if you need extra accommodation to stay with a sick relative.

Healthcare costs are rising in Europe so ensuring you have adequate medical travel insurance for Europe travel is more important than ever. AllClear provides medical travel insurance for Europe, so you can travel with complete peace of mind.

Travel insurance to Europe from AllClear covers all of the above. If you do find yourself in need of medical treatment when visiting Europe, you will not have to worry about any of these risks.

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Author notes. By Daniel Davies – AllClear Medical & Travel Content Creator. “It’s important to us that our customers feel that they have chosen the right insurance policy. We know that insurance should be there when you need it most with no hassle or complications”.

Edited Letitia Smith MSc, Content Manager

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of May 2021.