Europe travel insurance
Travel insurance for holidays across Europe
Whether you’re planning a Mediterranean beach holiday, a European city break, a cruise or a winter sports trip, travel insurance can help protect you against unexpected costs before and during your holiday.
Covered2Go offers Europe travel insurance through Single Trip, Annual Multi-Trip and Longstay policies. The Europe area includes all European countries, Mediterranean islands and Israel, and also includes eligible trips within the UK, subject to the applicable policy terms.
At a glance
Europe Travel Insurance at a glance
Choose the policy type and cover level that best suits your trip, then check that every destination on your itinerary is included within the geographical area shown in your Policy Wording.
Three cover levels
Choose from Silver, Gold and Platinum benefit levels.
Flexible policy types
Single Trip, Annual Multi-Trip and Longstay options are available subject to eligibility.
Up to £10 million medical cover
Gold and Platinum include up to £10 million for eligible emergency medical expenses.
24-hour assistance
Emergency medical assistance is available 24 hours a day while travelling.
Europe means more than you might expect
Covered2Go’s Europe area includes all European countries together with destinations such as Turkey, Egypt and Israel. Spain includes the Balearic and Canary Islands, Portugal includes Madeira, and Europe cover also includes eligible trips within the UK. Check the full destination list during the quote journey and the applicable Policy Wording.
Europe cover explained
What is travel insurance for Europe?
Europe travel insurance is designed to provide cover for eligible trips to destinations included within the European geographical area shown in your policy.
Depending on the cover level selected, it can help with unexpected costs caused by insured events before you travel and while you’re abroad.
Before your trip
Eligible cancellation cover may help protect prepaid trip costs if an insured event means you cannot travel.
While you’re in Europe
Cover may include eligible emergency medical expenses, baggage, travel disruption and personal liability, subject to the policy terms.
What your policy can include
What does Europe travel insurance cover?
Covered2Go offers Silver, Gold and Platinum levels of cover. Key benefits can include the following, subject to the selected cover level and Policy Wording.
Emergency medical expenses
Up to £5 million on Silver and up to £10 million on Gold and Platinum for eligible emergency medical expenses.
Cancellation and curtailment
Up to £2,000 on Silver, £5,500 on Gold and £10,000 on Platinum for eligible insured events.
Baggage and belongings
Up to £1,500 on Silver, £3,000 on Gold and £5,000 on Platinum.
Missed departure
Benefit limits range from £600 on Silver to £2,000 on Platinum.
Travel delay
Travel delay benefits vary by cover level and qualifying delay period.
Personal liability
Up to £2 million across Silver, Gold and Platinum, subject to policy terms.
| Cover feature | Silver | Gold | Platinum |
|---|---|---|---|
| Cancellation cover | £2,000 | £5,500 | £10,000 |
| Emergency medical expenses | £5 million | £10 million | £10 million |
| Baggage & personal belongings | £1,500 | £3,000 | £5,000 |
| Missed departure | £600 | £1,000 | £2,000 |
| Travel delay | £25 per 12 hrs £150 max |
£35 per 12 hrs £210 max |
£60 per 12 hrs £600 max |
| Personal liability | £2 million | £2 million | £2 million |
| Legal expenses | £15,000 | £25,000 | £25,000 |
| Policy excess | £75 | £50 | Nil |
Benefit limits shown are based on the information supplied for the current page. Terms, conditions, excesses and exclusions apply. Check the current Policy Wording before purchasing.
Choose your policy
Single Trip, Annual Multi-Trip or Longstay Europe cover?
The right option depends on how often you travel and how long you plan to be away.
One trip
Single Trip Travel Insurance
Available to eligible travellers up to age 99 for trips of up to 365 days, subject to eligibility.
Multiple trips
Annual Multi-Trip Travel Insurance
Available up to age 85, with 31 days per trip as standard and optional 45- or 60-day extensions for an additional premium.
Extended travel
Longstay Travel Insurance
May be available to eligible travellers aged 64 or under for trips of up to 18 months.
Travelling together? You can also explore Family Travel Insurance, Couples Travel Insurance and Group Travel Insurance.
Healthcare in Europe
EHIC / GHIC and Europe travel insurance
An EHIC or GHIC can provide access to state-provided healthcare in certain European countries, usually on the same basis as residents. It does not replace travel insurance.
What an EHIC / GHIC can help with
Access to eligible state-provided healthcare in participating countries, subject to the rules of the country you are visiting.
What it may not cover
- Repatriation to the UK
- Private medical treatment
- Lost or stolen baggage
- Cancellation or travel delay
- Personal liability
Check the latest official healthcare and travel advice for each country before you travel. An EHIC or GHIC does not provide the same protection as a travel insurance policy.
Where are you going?
Popular European destinations covered
Covered2Go’s Europe area includes all European countries, Mediterranean islands and Israel. It also includes eligible trips within the UK.
Popular destinations include Spain, France, Italy, Turkey and Greece, along with many other destinations that travellers may not automatically associate with European travel insurance.
Spain
Includes mainland Spain together with the Balearic and Canary Islands.
France
Included within the Europe area for eligible city breaks, summer holidays, road trips and winter sports trips.
Italy
Includes Italy together with Vatican City.
Turkey
Turkey is included within Covered2Go’s Europe area of cover.
Greece
Includes popular mainland and island destinations such as Athens, Crete and Rhodes.
Portugal
Includes mainland Portugal and Madeira.
Egypt
Egypt is included within Covered2Go’s Europe area of cover.
Israel
Israel is included within Covered2Go’s Europe area of cover, subject to the applicable policy terms and travel-advice requirements.
UK trips
Selecting Europe also includes eligible trips within the UK, subject to the policy terms.
Other destinations included
The Europe area also includes destinations such as Albania, Austria, Belgium, Croatia, Cyprus, Denmark, Finland, Germany, Gibraltar, Iceland, Malta, Monaco, Netherlands, Norway, Republic of Ireland, San Marino, Switzerland and many others. Check the full country list in the quote journey and the current Policy Wording before purchasing.
Your type of trip
Travel insurance for different types of European holidays
Your travel plans may affect the type of cover you need, especially if your holiday includes cruises, winter sports or business activities.
Beach holidays and city breaks
Travel insurance can help protect against eligible cancellation, medical emergencies, disruption and baggage problems.
Family holidays
Family Travel Insurance is available on eligible Single Trip, Annual Multi-Trip and Longstay policies.
Cruise holidays
Cruise Cover must be added where required and can provide additional cruise-specific benefits, subject to the Policy Wording.
Winter sports holidays
Standard travel insurance may not cover skiing or snowboarding, so check whether Winter Sports Cover is required.
Business travel
Optional Business Travel Cover may provide additional protection for eligible business equipment and other work-related risks.
Medical conditions
Europe travel insurance with pre-existing medical conditions
Having a pre-existing medical condition does not necessarily mean you cannot get travel insurance for Europe.
Some specified medical conditions do not require medical screening under the current Policy Wording. Other relevant conditions need to be declared and may be considered following medical screening and acceptance. An additional medical premium or special terms may apply.
Conditions that may be considered
Examples include diabetes, heart and circulatory conditions, cancer, respiratory conditions and arthritis or mobility conditions. Acceptance is not guaranteed.
Check the medical requirements
Medical declaration requirements depend on the condition and current Policy Wording. Complete medical screening where required before travelling.
Why Covered2Go?
Why choose Covered2Go for Europe travel insurance?
Choose from Silver, Gold and Platinum travel insurance, with flexible policy options for different European travel plans.
Which? Best Buy status
Covered2Go Silver, Gold and Platinum cover achieved Which? Best Buy status in 2026.
Choice of cover levels
Compare Silver, Gold and Platinum benefit limits to find a level that suits your travel needs.
24-hour assistance
Emergency medical assistance is available 24 hours a day while you are travelling.
Medical screening available
Relevant pre-existing medical conditions may be considered through medical screening.
Before you travel
Do I need travel insurance for Europe?
Travel insurance is not generally a legal requirement for a European holiday, but it can provide important financial protection if something unexpected happens before or during your trip.
Even when travelling close to the UK, emergency medical costs, cancellation, transport disruption or lost baggage can lead to significant unexpected expense.
Check official travel advice
Before booking and again before travelling, check the latest UK Foreign Travel Advice for every destination on your itinerary.
Ready for your European trip?
Get a Europe travel insurance quote
Whether you’re planning one European holiday, several trips during the year or an extended stay, compare Covered2Go options and choose the cover that suits your travel plans.
Cover limits, terms, conditions and exclusions apply. Please read the Policy Wording carefully to make sure the cover meets your needs.
