In this Post-Covid Era, people travel a lot. International tourist arrivals from January to July 2022 nearly tripled (+172%) compared to 2021, according to the latest UNWTO World Tourism Barometer. Are you planning to travel in 2023? You will need travel insurance. Here is recommended travel insurance in Europe.
10 Best Travel Insurance Europe to Protect Yourself During Travel
As economic headwinds continue, travel companies will focus on improving the customer experience by increasing the use of technology. And travelers are increasingly traveling by rail for cost savings and environmental appeal when possible.
But, the most important thing for travelers is having travel insurance to protect them from accidents during travel. In this article, we will give you a recommendation for travel insurance in Europe.
1. SafetyWing Nomad Insurance: Best For Digital Nomad
SafetyWing covers travel and medical insurance, including doctors, hospitals, emergency medical evacuation, travel delays, lost checked baggage, emergency response, and natural disaster coverage.
It is flexible and works like a subscription, with multiple services for different types of travelers, nomads, and teleworkers. Starting at $40/month, it’s pretty cheap. Includes COVID-19 coverage and covers quarantine abroad!
They also provide 24/7 emergency assistance and talk to real people who are also travelers. The good news is., this travel insurance in Europe is already available in about 180 countries.
2. Allianz Travel Insurance: Best for those Who Vacations A Lot
This is a giant insurance company, so you have many options. They cover everything from trip cancellations, delays, medical assistance, and evacuation to rental car insurance.
They offer options for single trips, multiple trips, or annual insurance. Children under 17 are covered on some plans when traveling with parents/grandparents. The premiums may be expensive, starting from $60, but it is worth the coverage.
3. Heymondo: The Best Travel Insurance in Europe
If you’re looking for the best travel insurance for Europe, look no further than Heymondo. Their top-of-the-line plan is the only European travel insurance plan that pays for medical bills instead of making a reimbursement claim after you pay yourself.
Heymondo offers the best coverage for medical emergencies, trip cancellations, and lost luggage. Their repatriation coverage is better than any company except World Trips.
The Top plan is also the cheapest travel insurance for a Schengen visa as it meets all the requirements for a Schengen visa. Emergency medical insurance for well over €30,000, evacuation and repatriation insurance, and insurance for the entire Schengen area are still the cheapest travel insurance.
4. World Nomads: Cheapest Insurance for European Travel
Another affordable travel insurance in Europe is World Nomads. Their standard plan is competitively priced and meets Schengen visa insurance requirements for repatriation and emergency medical insurance of at least €30,000.
They also offer the option to choose Europe or the Schengen area for coverage, making it ideal for European travel and Schengen visa insurance. World Nomads is great for travel insurance for Europe, but remember that you must apply for reimbursement for any medical expenses.
5. IMG Global Insurance: Best for Live Abroad Longer
This option is the closest to regular health insurance and has a few more benefits. Includes doctors, hospitals, emergency medical evacuation, travel delays, lost checked baggage, and natural disaster coverage.
Some plans cover the COVID-19 emergency. There are numerous plans to choose from, including short-term and long-term options, but they tend to be more expensive. This European travel insurance is best suited for those who live abroad longer than short-term travelers.
6. Travelex: Best for Schengen Visa
Travelex has you covered if you’re looking for reliable Schengen visa insurance. The coverage covers not only the Schengen area but all of Europe, making it ideal for multiple European holidays.
Their Select plan protects evacuation, repatriation, lost luggage, and trip cancellation. It meets all Schengen visa insurance requirements.
However, even though the Select plan is the most expensive, it leaves a lot to be desired as the emergency medical coverage on the Select plan is the lowest of all the plans, and get better coverage for a lower price.
7. WorldTrips: The Best Travel Insurance for Europe
Another of the best travel insurance plans for traveling to Europe is WorldTrips. Best fares offer excellent all-around coverage and the best evacuation and repatriation coverage.
The WorldTrips Preferred Plan easily meets your Schengen visa insurance requirements, offering $100,000 emergency medical insurance, Schengen coverage, and repatriation insurance.
8. Generali Travel Insurance: Great for Emergency Assistance Services
Generali’s policies include 24-hour travel support that can respond immediately to any issues that may arise during your trip. The service includes traveler assistance for medical emergencies, identity theft, emergency cash transfers, replacement of lost or stolen medical supplies and help to locate lost or stolen belongings.
Travelers can choose from their three plan levels: Standard, Preferred, and Premium, which cover trip cancellations, trip interruptions, trip delays, and baggage damage, loss, or theft.
Preferred and Premium plans protect against trip cancellation or trip interruption if a travel provider, such as a cruise line, hotel, or car rental company, becomes financially insolvent and unable to provide services.
9. Nationwide: Best Insurance for Cruise Travelers
Nationwide has three levels of cruise insurance (Universal, Choice, and Luxury) to suit every budget and insurance need. So, we included it as one of Europe’s best travel insurance companies.
Emergency medical coverage starts at $75,000, including cancellation for work reasons, $500 for an early return, $200 for ship disruption, and $25,000 for non-medical evacuation.
Eligible reasons for cancellations and interruptions include inclement weather, extended school schedules, and work-related emergencies.
10. AIG Travel Guard: Great for Add-Ons
AIG Travel Guard has over 30 years of experience providing European travel insurance to millions of travelers. These customers had access to unique services such as MedEvac and Bag Trak®.
AIG Travel Guard’s most popular plan, Preferred, provides up to $500,000 for emergency evacuation and repatriation of remains. In addition to trip cancellations and disruptions, this plan will refund up to 50% if you change your travel date.
Travelers can also add their own options, such as pet girlfriend packages, wedding packages for canceled weddings, and inconvenience packages if a must-see attraction is closed.
Another unique benefit is to cover accommodation costs for travelers who test positive for COVID-19 and must stay abroad until their test results are negative.
Ready to Travel Now?
So, that’s all about the best travel insurance in Europe. Travel insurance is the most important thing to make your travel more fun!