What Is The Best Travel Insurance For Europe? – The Ultimate Guide

Travelling to Europe is every man’s dream. This ultimate guide tells you all that you need to know regarding travel insurance for Europe.

When planning a trip to Europe, there are multiple factors that you need to keep in mind. Purchasing travel insurance for Europe should be on the top of your list. In this way you can remain stress free and have fun on your trip because you would be covered for anything (in case something was to happen).

It is always a better option to have travel insurance than to end up in a sticky situation with zero coverage. If you are someone who loves to travel and are planning a trip to Europe soon, you should definitely buy travel insurance.

Give this article a thorough read to find out all the answers to your questions. We have jotted down some tips and tricks for you to know about the best travel insurance for Europe. So, what are you waiting for? Let’s dive right in!

Do I Need Travel Insurance For Europe?

Although it is great to have travel health insurance when going to Europe, it is not compulsory for everyone to have it. Travellers from abroad, who can visit Europe without a visa do not necessarily need travel insurance. However, they can always get one if they want to.

On the other hand, it is necessary for people applying for a Schengen visa to have a travel insurance policy.

However, there are a few where an EHIC would be enough. If you are a healthy and young individual with no children, and are planning to visit the bigger cities in Europe, then you might not need travel insurance. In such a case, having an EHIC should do the job. If you belong to the UK, you can get government sponsored healthcare via the EHIC. This means that if in case you face any health related issue while travelling, you only have to pay a few bucks, and sometimes even be treated for free.

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You can easily apply for an EHIC through their official website. The best part is that you do not have to pay a single penny and it is valid for 5 years. When applying for the EHIC, you will have to provide information such as your national insurance number, surname, forenames and date of birth.

What Is The Best Travel Insurance For Europe?

World Nomads and IMG are two of the best companies to consider if you want a European travel insurance. These companies provide excellent insurance policies compared to the price point. Moreover, they also provide around-the-clock medical help. Therefore, you can trust this company to offer their assistance at any given time that you require it.

IMG iTravelInsured SE is another great travel insurance company to consider. They, too provide fantastic insurance for the cost. However, there are a few drawbacks. Their customer service is not the best and it is also quite hard to reach them. Therefore, if you want to purchase this particular insurance, we suggest you do it via Insuremytrip.

The best part of this is that there will not be any difference in the price and the insurance as compared to if you had purchased it through IMG. On the other hand, you will get an additional bonus of the “Anytime Advocates” service offered by Insuremytrip. The Anytime Advocates service will help you make any claim you want to and that too at any given time.

How Much Does Travel Insurance For Europe Cost?

Sticking to a budget is quite essential when planning a trip. Therefore, you need to know exactly how much does travel insurance for Europe cost? As much as you would want a simple answer to this question, you must know that there is no simple answer. Every company has its own policies. Therefore, the cost for travel insurance depends from company to company.

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Travel insurance for Europe can cost you anywhere between $5 – $20, or more. The entire cost of your travel insurance policy is based on multiple aspects. Some of these factors include your age, the length of your trip, the place you would like to visit, and obviously, any existent health issues or disabilities you may have.

Such information allows companies to make sure that they provide you with an insurance policy that is perfect for you, considering all your issues. You must always remember that you are doing yourself more harm than good if you plan to save a few bucks by going on a trip without travel insurance. This is because in case of an emergency, the price of having no insurance is way higher than the price of being insured.

Cheap Travel Insurance For Europe

Buying travel insurance for Europe is not cheap and it can often be hard to find the best policy for yourself. However, there are some ways through which you can reduce the cost. Shop around and research on different companies and their travel insurance policies. In this way you can compare between various policies, weigh out all the pros and cons, and see what works best for you.

Moreover, you can also refrain from adding any extra benefits to your travel insurance policy e.g. insurance for your gadgets etc. These tiny things will only add to your cost. Therefore, it is better to say no to these optional benefits.

Furthermore, make sure that you sign up for the best policy for you. Do not sign up for a multi-trip policy if you are planning to travel once a year. This would only cost you more. Similarly, if you plan to frequently travel throughout the year, then a single-trip policy will not be suitable for you.

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Tips And Tricks To Purchase The Best Travel Insurance For Europe

Given below is a list of tips and tricks to help you buy the best travel insurance for your trip to Europe. Follow these easy tips to make sure that you have an excellent travelling experience when you visit your dream destination in Europe. Let’s have a look.

  • You must know all your visa requirements: Travel insurance is absolutely necessary for a Schengen visa. Therefore, if you are aware of your visa requirements, you would know if travel insurance is compulsory for you or not.
  • Finalize your budget and the type of insurance you want: This will help you decide what is the best travel insurance for you.
  • Do your research: This will help you know about the policies that each company offers. You can weigh out the pros and cons of the company policies and then decide which one suits your needs the most.
  • Make sure you have good customer service assistance: You can face a problem at any time during your trip. It is always better to be well prepared and know whether your insurance company will be there to help you or not. For this, it is important for the company to have excellent 24-hour customer service.

Conclusion

Now you know everything about the best travel insurance for Europe. Thus you can start packing your bags for a fun filled adventure across every traveler’s dream destination – Europe. Have fun!

Charles Bains

Charles Bains

Charles Bains started his insurance career as a marketing intern before pounding the pavement as a commercial lines agent in Orlando, FL. As an industry journalist, his articles have appeared in a variety of trade publications. His insurance television career, short-lived but glorious, once saw him serve as the expert adviser on an insurance-themed infomercial (yes, you read that correctly). Having recently worked for various organizations, coupled with his broader insurance knowledge, Charles is able to understand our client’s needs and guide them accordingly. He is a gem for Insurance Noon as his wide area of expertise and experience have been beneficial in conducting further researches to come up with solutions and writing them in a manner which is easy for everyone including beginners to comprehend.

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