eu travel insurance

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eu travel insurance

Europe travel insurance for Schengen visa

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From  €33 / week

  • Up to  100,000  € coverage  in medical expenses
  • Repatriation
  • 24H assistance
  • Up to  180 days of coverage
  • All Schengen, E.U countries and the U.K.
  • Certificate issued immediately and approved by the embassies 

Europe Travel, the travel insurance for Europe

AXA’s Europe Travel insurance offers extensive protection, covering medical expenses up to €100,000 in the following European countries: Austria, Belgium, Croatia, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, as well as the United Kingdom , Bulgaria, Cyprus, Ireland, Romania, San Marino, Andorra, Monaco and the Vatican .

It also allows you to obtain the travel insurance certificate required with your Schengen Visa application .

Europe Travel insurance: 

  • guarantees a coverage of up to €  100,000  (about US$ 111,000)
  • covers travellers for up to 180 days
  • bears the expenses linked to emergency medical care**, hospitalisation**, sanitary repatriation** or death**
  • offers the refund of your subscribed travel insurance if your  Schengen visa application  is denied (under certain conditions)
  • no age restriction, 0 deductible

Do you cover emergency medical costs related to Coronavirus? 

We will  cover your medical costs related to Coronavirus  provided you haven't travelled against  World Health Organisation 's advice, medical advice, or any other government body’s advice in your home country or the country you are travelling to. Emergency and additional travel costs are also covered providing you have stuck to this advice.

Do I need an insurance certificate with Covid protection? 

All issued electronic certificates purchased on the axa-schengen site include this disclaimer: “ Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy ”.

Travel insurance for the European Union and the Schengen area

If you wish to travel to Europe  and you do not yet know the details of your itinerary, our  AXA Europe Travel  insurance is the best choice for you as it will give you the possibility to continue your journey if you decide to visit  Ireland  or the U.K. for example. 

Visit this page to discover all our  Schengen visa Insurance warranties . 

Will AXA Schengen travel insurance be accepted with my visa application?

Yes ! For over 10 years AXA has been delivering insurance certificates which meet EU countries’ requirements to obtain a Schengen visa.

Is the digital travel insurance certificate valid to submit my visa application? 

Yes. All you have to do is print it and enclose it with your visa application file. Each AXA Schengen insurance policy is individualized and bears a number that is verifiable on our website.

I don’t need a Schengen visa to visit Europe. Can I still purchase your insurance to cover my possible health expenses?

As the saying goes " Better safe than sorry ". If the Schengen travel insurance is not mandatory for some travelers, the troubles they might face are still very real. A broken wrist or nasty infection can happen to anyone! We thus strongly recommend that you subscribe to our insurance for travelers visiting Europe to make sure your trip is as safe and peaceful as possible.

How much does Europe Travel, AXA Schengen visa travel insurance cost?

Great news ! Our travel insurance which will allow you to enjoy a peaceful  visit to Europe  is cheap. For a one week stay, it starts at €33 ($36). 

How many days will I be covered by my travel insurance?

Europe Travel insurance covers travellers for up to  180 days (around 6 months).

The Schengen Europe travel insurance, an extensive coverage

You are not quite sure of your European itinerary but you need to be  covered everywhere , wherever your travels take you for business or pleasure ? AXA Europe Travel is the Europe visa insurance you need to stay anywhere in the Schengen area as well as in any country of the European Union. 

After subscribing to your Europe Travel insurance on line, you will  receive a certificate by email . You must enclose it with your Schengen visa application: it  meets all the requirements  of the countries of the Schengen area.

It offers the basic warranties required for your medical and repatriation expense coverage. If you do not provide this travel insurance certificate, your application will not be examined and your visa request will be denied. 

Warranties of Europe Travel, AXA’s travel insurance for Europe 

Europe Travel also offers 4 essential advantages: 

  • Immediate coverage. Your insurance covers you from the first day you need it.
  • No age restriction
  • No price variation because of nationality or age
  • No health questionnaire

If your Schengen visa application is  denied , you can ask for your Europe Travel insurance to be refunded. 

** Before paying any medical expenses, travellers must first contact AXA Assistance medical service. 

This insurance does not cover the country of residence

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Features at Glance

eu travel insurance

U.K., Schengen, U.E. countries 

eu travel insurance

AXA #1 Global Insurance Brand

eu travel insurance

Extended protection  

eu travel insurance

Meets all visas requirements from the European regulation

eu travel insurance

Medical expenses covered up to 100.000€

eu travel insurance

Assistance 24 / 7 - Emergency helpline

Cover details

Visit our Low Cost insurance page and our Schengen insurance for 1 year page to see the full benefits offered by AXA Schengen.

***This insurance does not cover the country of residence

Get Schengen insurance

Copyright AXA Assistance 2023 © AXA Assistance is represented by INTER PARTNER ASSISTANCE SA/NV, a public limited liability company governed by Belgian law with registered office at Regentlaan 7, 1000 Brussel, Belgium – Insurance company authorized by the National Bank of Belgium under number 0487 and registered with the Crossroads Bank for Enterprises under number 0415 591 055 – RPR Brussels- VAT BE0415 591 055

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Travel Insurance

Travel insurance for Europe: Coverage and policies for 2024

Erica Lamberg

Heidi Gollub

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:30 a.m. UTC Nov. 27, 2023

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  • A trip to Europe often requires hefty prepaid and nonrefundable deposits to secure flights, hotels and tours. Travel insurance protects these outlays if you cancel your trip for a covered reason.
  • Many U.S. health insurance plans don’t provide coverage in foreign countries, making a travel insurance plan with medical expense benefits important for trips to Europe.
  • The best travel insurance for Europe will package together different types of coverage, including trip cancellation, trip delay, trip interruption, travel medical, emergency medical evacuation and baggage insurance.   

Planning a trip to Europe is exciting, but can also be expensive. Your itinerary may include visits to several European countries, and you can quickly rack up prepaid and nonrefundable expenses for flights, hotels, excursions, tours and experiences. 

Travel insurance can give you peace of mind that you’ll be financially protected if things go wrong before or during your trip. But plans differ, so it’s important to pay attention to included coverages, limits and exclusions when choosing your insurance for travel to Europe. 

Do I need travel insurance for Europe?

Travel insurance is not required for entering Europe. “But it is a very important consideration for a number of reasons,” said Scott Adamski, spokesperson for AIG Travel.

In addition to protecting your trip deposits if you need to cancel, Adamski said an important reason to secure a travel insurance policy relates to health care coverage for U.S.-based travelers headed to Europe. 

“In a surprise to many, their U.S.-based health insurance policy may not provide coverage, or may provide limited coverage, when they’re traveling out of the country,” said Adamski. 

“Medicare also may not provide coverage outside the U.S. (for older Americans) and there may be restrictions/limitations on medical benefits when traveling abroad,” he said. “In short, it’s vital to review your existing health care coverage before traveling.”

To make sure you’re covered financially if things go awry before or during your European vacation, look for a travel insurance plan that includes travel medical benefits as well as coverage for trip cancellation, trip delay, trip interruption, emergency medical evacuation and baggage delay or loss. 

Featured Travel Insurance Offers

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Covers COVID?

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RoundTrip Basic

Average cost for plan with CFAR

CFAR coverage

75% of trip cost

Trip cancellation insurance for travel to Europe

If you’ve booked a trip to Europe, you’re probably thinking, why would I cancel my dream vacation? 

“No one plans to cancel a trip, but sometimes there are circumstances beyond our control — you suffer an injury before your trip, circumstances at your job change or your flight is canceled due to severe weather at your destination,” said Shannon Lofdahl, spokesperson for Travelex Insurance Services. “Trip cancellation and interruption coverage reimburses you if your trip is canceled or interrupted for a covered reason,” she said.

In general, covered reasons for trip cancellation insurance benefits include:

  • Death of an immediate family member or a travel companion.
  • A serious illness or injury to you, a close relative or a travel companion.
  • A sudden and serious family emergency.
  • An unexpected job loss or layoff.
  • Unplanned jury duty.
  • Severe weather.
  • Your travel supplier is going out of business.
  • A national transportation strike.

So, if three days before your trip to Vienna, Austria, your husband has a heart attack, you can cancel your trip and receive 100% of any prepaid and nonrefundable trip outlays.

It’s important to note that not all reasons to cancel will be covered by your travel insurance policy. For example, if you see a rainy weather forecast in Barcelona or get nervous to travel to Paris because you learn about a rise in petty crimes there, these are not covered reasons.

If you want the highest level of flexibility to change your travel plans, consider adding “ cancel for any reason ” (CFAR) coverage.

CFAR is an upgrade to a basic travel insurance plan that may boost the price of your policy by about 50%, but will give you the latitude to cancel your trip for any reason as long as you cancel at least 48 hours before your scheduled departure. If you meet all the requirements of your plan, you can expect to be reimbursed for 75% — or 50%, depending on the plan — of your prepaid, nonrefundable trip costs.  

Trip delay insurance

Delays are an expected part of traveling these days, especially while traveling abroad, and that fact has emphasized the importance of trip delay coverage, said Lofdahl. “A short delay probably won’t cause you too much stress, but longer delays can mean missing connecting flights.”

Trip delay coverage can reimburse you for costs you incur as a result of a travel delay, as long as the delay was caused by a reason in your policy documents. Severe weather, airline maintenance issues or a security breach at an airport, for instance, are typical reasons covered by trip delay insurance.     

Most policies have a waiting period before your trip delay benefits begin, such as six or 12 hours. If you meet the criteria outlined in your travel insurance policy, you can expect to be reimbursed for a meal, hotel room, taxi fare and a few personal care items to tide you over for the delay, up to the limits in your plan.  

Be sure to hold onto your receipts as you will be asked to submit this documentation when you file a trip delay claim.

DOT rules : What you’re owed when your flight is canceled or delayed may be less than you think

Trip interruption in Europe

No one wants to end their trip early, especially when it’s a long-awaited European vacation, but unexpected issues can arise, said James Clark, spokesperson for Squaremouth, a travel insurance comparison site.

If there is an emergency back home that is covered by your travel insurance plan, such as a critically ill parent, or if you suffer an injury while traveling in Europe and need to cut your trip short, your policy’s trip interruption insurance can provide financial assistance. 

You can file a trip interruption claim to recover any prepaid, unused and nonrefundable trip costs you lose because of your unexpected early departure. Your benefits will also typically cover a last-minute one-way economy flight home, and transportation to the airport.

Keep in mind, however, not all reasons to end a trip early will be covered. For example, if you miss your new kitten or have a fight with your partner while in Budapest, and want to go home, these are not covered reasons. You will have to pay your own way home and can’t file a claim for losses.

Americans will have to get travel authorization to enter Europe

Currently, Americans don’t have to worry about getting a visa to travel around Europe. However, that will change in mid-2025. That’s when the European Travel Information and Authorisation System (ETIAS) goes into effect, requiring people traveling from visa-exempt countries like the United States to get authorization for travel to 30 European countries.

Once applications open up, you will be able to apply on the official ETIAS website or mobile app. You’ll need your passport information to apply, and it will cost 7 euros to process the application. For those who don’t get immediate approval, the decision process could take up to 30 days. 

Once approved, your ETIAS travel authorization will be attached to your passport. It will be valid for three years or until your passport expires, whichever happens first. 

A standard travel insurance policy won’t cover you if you don’t get your ETIAS travel authorization in time for your trip, or your ETIAS application is rejected. It will be important to apply for ETIAS early, in case there’s a delay or you need to appeal if you’re denied a visa.

If you have “cancel for any reason” (CFAR) coverage you could cancel your trip if your visa doesn’t get approved in time, but you’d need to cancel at least 48 hours before your trip to file a CFAR claim for reimbursement.

Travel medical insurance for Europe

Don’t assume your health insurance applies outside the United States. “Many [domestic health insurance] plans won’t cover you if you become ill or injured traveling in Europe or any other country outside the U.S., and, without travel protection, you would be responsible for all the medical expenses,” said Lofdahl with Travelex.

For instance, if you twist your ankle while touring in Rome, your travel insurance can cover the cost of seeing a doctor, getting X-rays, buying prescription medication and staying in the hospital if deemed necessary. Without this coverage, you are responsible for any medical expenses. 

The average cost of travel insurance is between 5% and 10% of the total price of your trip. This can be worth it for the medical benefits alone when traveling in Europe.

Travel insurance plans also typically include travel assistance, which can help if you get sick or injured in Europe. “This benefit offers a range of 24/7 services while you’re traveling — from assistance finding a covered health care provider to helping with replacing lost or stolen passports,” said Lofdahl. These services can also assist with translation services.

Emergency medical evacuation

Depending on where in Europe you’ll be visiting, you might be far from a medical facility adequately equipped to treat severe illnesses and injuries. 

“For this reason, travelers with underlying medical conditions might wish to consider additional medical evacuation coverage for certain costs associated with transportation, to either the nearest recommended medical facility or back home,” said Adamski with AIG Travel.

Also, he explains, many countries in Europe — particularly in the mountainous regions — offer adventure sports for visitors. “In the warmer months, the outdoorsy types who aren’t biking might pursue mountain climbing, available through a wide range of treks and climbs for beginners and advanced climbers alike. In the winter, of course, ski enthusiasts from around the world visit a number of European countries for their access to great snow, luxurious accommodations and challenging runs,” Adamski said.

Unfortunately, accidents can happen when mountaineering, regardless of the time of year. Having a travel insurance plan can provide financial protection in the event of medical or evacuation losses, he said.

As an example, said Adamski, a policyholder might need to return to the U.S. after a skiing injury and may need accommodations such as a lay-flat seat or a row of seats to stretch out a broken leg. 

“A travel insurance provider, with on-staff doctors and medical coordinators, are invaluable in assisting with medical needs in foreign countries and coordinating with airlines to get injured travelers back home. Such arrangements are remarkably expensive, ranging from $20,000 easily into the six figures,” he explained.

Medical evacuation coverage could help cover these costs, and, in AIG Travel’s travel protection plans, said Adamski, this is complemented by access to an entire medical team dedicated to consulting with the local medical providers, working with you or your family to confirm what’s in your best interests as a patient and making the necessary arrangements to get you where you need to be.

When budgeting for a trip, even the most thorough planners rarely consider a contingency that includes a five- or six-figure emergency medical evacuation, said Adamski. “To be suddenly faced with a bill like that could be devastating. Also, the expertise of the medical staff that would be helping to coordinate such an evacuation could (literally) be a lifesaver,” he said.

Clark with Squaremouth notes that travelers heading to Europe should look for policies with at least $100,000 in medical evacuation coverage. However, if a traveler is doing more remote activities, such as backpacking through the Swiss Alps or exploring the Scandinavian wilderness, “We recommend at least $250,000 in medical evacuation coverage,” he said.

Travel insurance coverage for baggage and belongings

Lofdahl with Travelex said that the return to travel has been wonderful, but the labor shortage has brought some challenges to the industry. “Delayed and lost baggage is one that most people heard about last year and into this year,” she said. “Every airline experienced increases in lost and delayed baggage, and some even had triple the number of lost and delayed bags as they did in the same period in 2021. I can tell you from experience that this can impact your trip.”

European travel generally can include connecting flights which can increase the likelihood that your luggage can be misdirected or lost.

If your luggage decides to vacation in Madrid instead of Athens, you can file a claim with your travel insurance company. Just be sure to get a report from your airline carrier first.

You may also be able to file a claim for delayed luggage. Depending on your plan, you can purchase a few items to tide you over until your bags arrive at your destination, like a swimsuit, some toiletries and a change of clothes. Just be sure to keep any applicable receipts.

Your travel insurance plan may also reimburse you for other personal effect losses while on your vacation. For example, if your camera gets stolen while touring Copenhagen, or if your leather jacket is swiped while in Milan, you can file a claim. But first, you’ll need to file an incident report with your tour leader, hotel manager or local law enforcement. You will be asked for this documentation during the claim process. 

It’s very important to read your travel insurance documents carefully so you understand the scope of your benefits. There are often per-item limits and caps for coverage, rules about how depreciation will affect your reimbursement levels and exclusions which won’t be covered. For instance, lost or stolen cash isn’t reimbursable, and many high-ticket items like heirloom jewelry and designer watches are often excluded from coverage.

Baggage loss insurance is also typically secondary coverage, meaning it comes into play only after you’ve filed for reimbursement from your airline or homeowners insurance (in the event of theft).

Frequently asked questions (FAQs)

Buying a travel insurance policy for Europe isn’t required, but it is a smart way to financially protect your trip investment and to ensure you have medical coverage while traveling abroad. 

“Just because it’s not required doesn’t mean it’s not a good idea. Unexpected medical bills can be costly, and an unforeseen emergency evacuation or repatriation back home to the U.S. or Canada can climb to tens of thousands of dollars,” said Terra Baykal, spokesperson with World Nomads.

Travel insurance also provides trip cancellation benefits, which can help you recoup the cost of trip deposits. “Travel insurance may reimburse you for your missed nonrefundable, prepaid travel arrangements like hotels, flights and tours, if you need to cancel for a covered reason, like the death of an immediate family member, or your last-minute illness or injury,” said Baykal.

It’s also important to find an insurer who will cover you for all the activities you plan to pursue in Europe. So if skydiving in Switzerland, paragliding in Greece or ziplining in Croatia is in the cards, make sure your insurer covers your more adventurous pursuits, said Baykal. 

World Nomads automatically covers more than 150 adventure activities and sports for U.S. residents without the need for an additional adventure activities rider. 

While not required to enter Europe, a travel insurance policy with emergency medical coverage is a good idea when traveling to Europe, said Baykal of World Nomads.

Many U.S.-based health insurance providers offer no coverage abroad, or very limited global benefits. If your domestic health insurance doesn’t provide adequate coverage outside of the U.S., buying travel medical insurance for Europe is recommended.

Whether your health coverage travels with you outside the U.S. depends on your Blue Cross Blue Shield plan. Check with your carrier to determine the scope of your travel medical insurance . 

According to Blue Cross Blue Shield, travelers should refer to their Certificate of Coverage and riders and also call customer service to find out about limitations to travel coverage.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Erica Lamberg

Erica Lamberg is a regular contributor to Fox News, Fox Business, Real Simple, Forbes Advisor, AAA and USA TODAY. She writes about business, travel, personal finance, health, travel insurance and work/life balance. She is based in suburban Philadelphia.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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