Last updated: January 2026
If you’re travelling by Eurostar from London to Europe, you may be asked whether you have travel insurance before boarding.
Since the rollout of the EU’s Entry/Exit System (EES), passengers departing from London St Pancras International have reported being asked a set of standard entry questions at new border kiosks — including whether they hold travel insurance.
So, do you actually need Eurostar travel insurance in 2026? Here’s everything you need to know.
Why Are Passengers Being Asked About Travel Insurance?
Although the European Union does not make travel insurance mandatory for UK travellers entering the Schengen Area, French border authorities do have the right to ask for proof that you can cover medical costs and expenses during your stay.
Historically, these checks were rare. However, according to reporting by The Independent, the introduction of automated EES kiosks has made these questions more consistent and visible.
At the kiosks, passengers may be asked to confirm:
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Whether they have travel insurance
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Whether accommodation has been booked
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Whether they hold a return or onward ticket
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Whether they have sufficient funds for their stay
A Eurostar spokesperson previously clarified that the question refers to travel insurance, not just basic medical cover. Translations and wording used at kiosks are overseen by the French Ministry of the Interior.
Travellers heading to Brussels or Amsterdam via Eurostar are also subject to these checks, as France is their first point of entry into the EU.
What Is the Schengen Area?
The Schengen Area includes most EU countries (excluding Ireland and Cyprus), plus Iceland, Norway, and Switzerland. Under the Entry/Exit System, non-EU travellers have their entry conditions checked digitally when crossing the border.
At St Pancras, dozens of kiosks are now operational and used for certain passenger groups first, including business and premium travellers. Eurostar advises passengers to arrive at least 75 minutes before departure, as border checks can add extra time to the check-in process.
For official, country-specific entry requirements, always consult the UK Government’s FCDO Travel Advice before travelling.
Why Travel Insurance Matters for Eurostar Passengers
Even if you aren’t always asked to show proof of insurance, having cover in place is strongly recommended for Eurostar journeys in 2026.
Medical emergencies abroad
The NHS does not cover treatment outside the UK. Without insurance, medical bills in Europe can quickly run into thousands.
Cancellations and delays
If your Eurostar train is cancelled or delayed, travel insurance can help cover additional accommodation, transport, or missed connections.
Baggage and personal belongings
Insurance can protect you if your luggage or valuables are lost, stolen, or damaged during your trip.
Peace of mind at the border
With evolving entry checks and automated systems, having Eurostar travel insurance removes uncertainty and stress at check-in.
Do Eurotunnel Passengers Face the Same Rules?
Passengers travelling by car on the Eurotunnel LeShuttle from Folkestone to Calais are not typically asked about travel insurance, as border checks are carried out manually rather than through EES kiosks.
That said, travel insurance is still highly recommended for motorists travelling to Europe.
Covered2Go Eurostar Travel Insurance
With increased border checks now part of travelling by train to Europe, having the right insurance is more important than ever.
Covered2Go Eurostar travel insurance policies include:
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Emergency medical expenses and repatriation
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Cancellation and curtailment cover
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Protection for baggage and valuables
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24/7 emergency assistance
Whether you’re travelling to Paris, Brussels, Amsterdam, or connecting elsewhere in Europe, Covered2Go gives you the confidence to travel knowing you’re protected.
Get Covered2Go Eurostar travel insurance today.
Eurostar Travel Insurance FAQs
Is Eurostar travel insurance mandatory in 2026?
Travel insurance is not legally required in every case, but French border authorities can request proof that you have adequate cover. With EES kiosks now in place, travellers are more likely to be asked, so having insurance is strongly advised.
What should Eurostar travel insurance include?
A good policy should cover:
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Medical expenses
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Cancellations and delays
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Lost, stolen, or damaged baggage
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Emergency assistance
Covered2Go policies include all of the above.
Do I need travel insurance for short Eurostar trips?
Yes. Even a day trip to Paris can be affected by delays, cancellations, illness, or lost belongings. Travel insurance protects you regardless of trip length.
Where can I check the latest entry requirements?
The most reliable source is the UK Government’s FCDO Travel Advice, which is regularly updated for all Schengen destinations.
