Europe travel insurance

What does Europe travel insurance cover?

Travel insurance for Europe can help protect you against a range of unexpected problems before and during your trip. Depending on the policy and level of cover you choose, this can include cancellation, emergency medical expenses, baggage, travel delays, personal liability and 24/7 emergency medical assistance. Before you travel, always read your policy wording so you understand what is covered, what is excluded and what limits apply.

What countries are covered in a European policy?

InsureandGo’s European travel insurance policy covers the Continent of Europe west of the Ural Mountains, Madeira, Canary Islands, Iceland, the Azores, Mediterranean Islands, and non-European countries bordering the Mediterranean (except Algeria, Israel, Jordan, Libya, Lebanon and Syria). So popular destinations such as Spain, the Canary Islands, Portugal, France, Italy, Greece and Turkey are all covered.

Some countries that we are regularly asked about that are covered in our European policy are Egypt, Morocco, Tunisia, Turkey and the United Kingdom – these are all covered as European destinations, as is the region of Lappland / Lapland if you’re planning a Christmas trip! Algeria, Israel, Jordan, Lebanon and Libya are not included in European cover and require a Worldwide policy instead.

Note that your travel insurance policy excludes travel to a country or area where the Department of Foreign Affairs (DFA) or another specified body advises against all or all but essential travel. You can check on the DFA website to ensure that your destination is safe to travel to.

Interrailing, skiing, camping and activity holidays

European holidays are not just about city breaks. You might be Interrailing across several countries, camping in France, wine tasting in Portugal, skiing in the Alps, going to a football match in Spain, England or Scotland, hiking in Austria, island hopping in Greece or planning a food-focused trip through Provence or Tuscany. If you plan to take part in sports, winter sports or other activities, check that your policy includes the cover you need. Winter sports, in particular, may require specific cover to be selected before you travel.

Do I need medical cover for Europe?

Irish travellers can use an EHIC for medically necessary state-provided healthcare in many European countries, but an EHIC is not a replacement for travel insurance. It does not cover everything, such as private medical treatment, repatriation to Ireland, cancellation, baggage, delays or lost and stolen property. Travel insurance can give you broader protection for your trip, especially if you have paid for flights, accommodation, tours, events or activities in advance. InsureandGo offers options for single travellers, couples, families, older travellers and people with pre-existing medical conditions.