Europe remains the number one holiday destination for UK travellers, whether you’re planning a beach holiday, a city break or a cultural escape. From Spain and France to Italy and Greece, travelling across Europe is easy — but unexpected issues can still arise. Travel insurance for Europe helps protect you against costs such as medical emergencies, trip cancellations, delays and lost luggage while travelling within European countries. Covered2Go is FCA regulated and provides UK-based customer support, with clear policy wording and optional add-ons to tailor your cover. Get a quote for Europe travel insurance in minutes.
From trip cancellations and delays to medical emergencies or lost luggage, Europe travel insurance protects you against unexpected costs — so you can relax and enjoy your time away.
What is travel insurance for Europe?
Europe travel insurance provides financial protection for trips taken within the European region. Cover typically starts from the moment you purchase your policy and continues until you return home.
A Europe travel insurance policy can include cover for:
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Emergency medical treatment abroad
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Medical repatriation to the UK
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Trip cancellation and curtailment
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Lost, stolen or damaged belongings
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Travel delays and missed departures
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Personal liability
If you’re only taking one European trip, you might prefer:
👉 Single Trip Travel Insurance
If you’re taking several European trips this year:
👉 Annual Multi Trip Travel Insurance
Do I need travel insurance for Europe?
Yes. While Europe is close to home, healthcare systems and costs vary by country, and some destinations require upfront payment for treatment. Even a minor incident — such as a sprain, illness or delayed flight — can lead to unexpected expenses.
Europe travel insurance helps ensure you’re protected if something goes wrong before or during your trip.
You may need cover for:
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Trip cancellation (illness, injury or other insured reasons)
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Flight or transport delays
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Lost or stolen luggage
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Stolen valuables or travel documents
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Emergency medical treatment abroad
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Personal liability
Healthcare costs abroad vary, and some countries require upfront payment. Europe travel insurance helps ensure you’re protected throughout your trip.
EHIC / GHIC and Europe travel insurance
Many travellers assume an EHIC or GHIC replaces travel insurance — but this is not the case.
What EHIC / GHIC does cover
An EHIC or GHIC allows access to state-provided healthcare in certain European countries, often at the same cost as residents.
What EHIC / GHIC does not cover
EHIC and GHIC do not cover:
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Repatriation to the UK
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Private medical treatment
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Mountain rescue
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Lost or stolen luggage
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Trip cancellation or delays
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Personal liability
Some destinations — including Monaco, San Marino, the Vatican City, the Isle of Man and the Channel Islands — do not accept EHIC or GHIC at all.
Travel insurance for Europe remains essential even if you hold an EHIC or GHIC.
What does Europe travel insurance cover?
Emergency Medical Expenses
Covered2Go offers between £5 million and £10 million for emergency medical treatment abroad.
Personal Belongings & Baggage
Cover for lost, stolen or damaged items, including clothes, tech and luggage. Essential items may also be covered if your baggage is delayed.
Trip Cancellation & Curtailed Trips
If you need to cancel your holiday due to an insured reason (such as illness, injury or bereavement), cancellation cover may help recover your non-refundable costs.
Travel Delays & Missed Departures
Cover for delays, missed connections and certain unexpected disruptions.
Personal Liability
Protection if you accidentally cause damage to property or injure another person while abroad.
Full limits and exclusions can be found in our Policy Wording.
Countries covered in Europe
Europe travel insurance typically covers a wide range of destinations, including:
Popular destinations
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Spain
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France
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Italy
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Greece
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Portugal
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Switzerland
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Norway
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Turkey
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Canary Islands
A full list of countries included in the Europe region is available within the policy details.
Single trip vs annual travel insurance for Europe
The right option depends on how often you travel.
Single Trip Europe Travel Insurance
Suitable if you’re taking one specific European trip.
👉 Single Trip Travel Insurance
Annual Multi Trip Europe Travel Insurance
Often more cost-effective if you’re taking two or more European trips within 12 months.
👉 Annual Multi Trip Travel Insurance
Not sure which to choose?
If you expect multiple trips this year, annual cover is usually the better value option.
Comparison Table – Europe Travel Insurance Options
| Feature | Single Trip Europe Cover | Annual Multi Trip Europe Cover |
|---|---|---|
| Number of trips | One specific holiday | Unlimited trips within 12 months |
| Cost efficiency | Suitable for travellers taking one trip | May be more cost-effective for 2+ trips per year |
| Trip duration | Up to 365 days | 31 days per trip standard (extendable) |
| Spontaneous travel | Must buy for each trip | Always active for last-minute getaways |
| Add-ons available | Winter sports, cruise, business, golf | Winter sports, cruise, business, golf |
Not sure which is right for you?
If you’re taking more than one European trip in the next 12 months, Annual Multi Trip cover is often more cost-effective. Otherwise, Single Trip cover may be the simplest option.
Do I need to declare pre-existing medical conditions?
Yes. You must declare all pre-existing medical conditions to ensure your Europe travel insurance provides the correct cover.
Learn more:
👉 Travel Insurance for pre-existing medical conditions
You can also visit the MoneyHelper Directory for specialist providers.
Do I need business travel cover for work trips to Europe?
If you’re travelling to Europe for business, consider adding Business Travel Cover, which can protect:
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Business equipment
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Laptops/tablets
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Documents
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Business money
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Replacement personnel
Get a quote for travel insurance for Europe
Whether you’re heading to Spain, Italy, Greece or elsewhere, the right travel insurance for Europe helps ensure your trip is protected from unexpected costs.
👉 Get your Europe travel insurance quote now
Travel with confidence — from the moment you book.
FAQs – Travel Insurance for Europe
1. How much does travel insurance for Europe cost?
Prices vary depending on your age, destination, trip length and chosen level of cover. You can get a personalised quote online in minutes.
2. Does Europe travel insurance cover cruises?
Cruise Cover is an optional add-on and provides protection for cruise-specific risks.
3. Is Europe covered under worldwide travel insurance?
Yes — if you choose Worldwide cover. Otherwise, select “Europe” to keep costs lower if your trip is only within Europe.
4. Can I get Europe travel insurance with pre-existing medical conditions?
Yes. Conditions must be declared during your quote to ensure you are covered.
5. Does Europe travel insurance include winter sports?
Not automatically — Winter Sports Cover can be added as an optional extra.
6. Can I travel multiple times with Europe travel insurance?
Yes — if you choose Annual Multi Trip cover. Single Trip policies cover one holiday.
Essential Travel Resources for UK Holidaymakers Booking a European Holiday
Travel Advice & Requirements
- UK Foreign Travel Advice – Get up-to-date information on visa requirements, travel restrictions, and safety tips for your destination.
- NHS Fit for Travel – Find health advice, vaccinations, and travel health recommendations.
- U.S. ESTA Application – If travelling to the USA, apply for your ESTA visa waiver online.
Cover limits, terms, conditions and exclusions apply. Please read the Policy Wording carefully to ensure the cover meets your needs.
