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Europe Awaits. Travel Smart, Stay Protected.

European travel insurance provides coverage within Europe, protecting against unexpected events like cancellations, medical emergencies, or lost luggage, ensuring peace of mind throughout your entire journey.

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Europe Travel Insurance Key Facts

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Why Choose One World Insurance?

Cover in Minutes

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Don't waste time with complicated forms, get quality travel insurance cover with our handy, easy-to-use quote tool, at home or on the go, in less than 5 minutes, so you can get back to making memories.

Travel Insurance Experts

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With over forty-five years of travel insurance experience, we designed our policies to give you maximum peace-of-mind, with comprehensive protection wherever your adventures take you.

Award-Winning Claims Team

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Our award-winning, specialist travel claims team has been supporting travellers in their travel insurance claims for over a decade. With live claim status updates 24/7, when the unexpected happens, you’re always in good hands.

Understanding Your Travel Insurance Cover

Understanding the sections of travel insurance helps you choose the right coverage, ensuring protection against unexpected events like cancellations, medical emergencies, and lost baggage, so you can travel with confidence.
Accident & Liability
The accident and liability section of a travel insurance policy covers medical expenses, injury, or death resulting from accidents during travel, and protects against legal liabilities arising from damages or injuries caused to third parties.
cancellation & Curtailment
The cancellation and curtailment section covers costs if a trip is canceled or cut short due to unforeseen events, such as illness, emergencies, or other covered reasons, reimbursing non-refundable expenses like flights or accommodations.
Medical Expenses
The medical expenses section covers the cost of emergency medical treatment, hospitalisation, and transportation required due to illness or injury during travel, ensuring financial support for health-related emergencies abroad.
Missed Departure
The missed departure section covers expenses if a traveler misses their flight or transportation due to reasons like travel delays, accidents, or other covered events, reimbursing costs for rebooking or alternative travel arrangements.
Baggage
The baggage section covers the loss, damage, or theft of personal belongings during travel, reimbursing the cost of replacing essential items and providing compensation for delayed baggage, ensuring financial protection for personal property.
Winter Sports
The winter sports section covers accidents, injuries, and equipment loss or damage while participating in winter sports activities, such as skiing or snowboarding, providing coverage for medical expenses, equipment rental, and other related costs.

Europe Travel Insurance – Frequently Asked Questions

Planning a trip across Europe? Our Europe travel insurance FAQs explain what coverage is typically included, how costs are calculated, and what to consider before travelling.

Europe travel insurance provides financial protection and medical coverage for trips within European countries. It typically includes emergency medical expenses, trip cancellation, lost or delayed luggage, and travel delays.

Most European countries do not legally require travel insurance. However, some countries, such as Spain, strongly recommend it to cover medical costs beyond what the European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) provides.

An EHIC or GHIC only covers basic state healthcare in participating countries. Travel insurance provides additional protection for medical evacuation, trip cancellation, lost baggage, and emergencies not covered by EHIC or GHIC.

Typical coverage includes emergency medical expenses, trip cancellation or curtailment, lost or stolen luggage, travel delays, and personal liability. Optional extras may cover winter sports, adventure activities, or rental cars.

Many insurers provide cover for declared pre-existing medical conditions, usually after completing a health declaration or screening. Always provide accurate medical information to maintain coverage.

Costs vary depending on trip length, destination countries, traveller ages, and optional extras. Shorter trips are generally less expensive, but prices differ between providers and coverage levels.

Many policies now include COVID-19 coverage for medical treatment and trip cancellations. Check policy terms for details such as quarantine, testing, or trip interruption coverage.

Yes, many insurers offer couple or family policies. Coverage may be individual or collective depending on the policy terms.

Yes, but it is recommended to purchase insurance as early as possible. Certain benefits, such as trip cancellation, may be limited if purchased after booking.

Standard policies often exclude high-risk activities. Optional winter sports or adventure coverage can be added to ensure protection during skiing, snowboarding, or similar activities.

Travel peace-of-mind in less than 5 minutes

Travel insurance shouldn't get in the way of the fun of planning a trip, so our quote tool is designed to be quick and easy. Get covered in less time than it takes to eat a crêpe.