Best Travel Insurance for Europe 2026

Travel Insurance Europe

Travel insurance for Europe provides essential protection against unforeseen issues during your European adventure, covering mishaps like flight cancellations, medical emergencies, lost luggage, and even evacuations. Many plans also let you customize with options like "cancel for any reason" or adventure sports coverage, so you’re protected no matter how you plan to explore. Get coverage for your trip to the United Kingdom (UK), France, Italy, Germany, the Netherlands and your favorite European cities such as Paris, Rome, and beyond. Some of the unique features of travel insurance for Europe include:

• Schengen Visa Requirements: For stays over 90 days in the Schengen Area, Americans must provide proof of insurance with at least €30,000 in medical coverage, including repatriation.
• Healthcare Gaps: American health insurance, including Medicare, typically doesn’t cover healthcare costs overseas. Travel insurance ensures coverage for medical emergencies, doctor visits, and hospital stays while in Europe.
• Repatriation to the U.S.: In case of severe injury or illness, this coverage handles medical evacuation and transportation back to the U.S., which can cost tens of thousands of dollars without insurance.
• Specialized Activity Coverage: Optional add-ons cover popular European activities like skiing in the Alps, hiking, or guided tours, ensuring protection for accidents during adventure travel.
• Currency and Liability Protection: Covers unexpected expenses such as lost passports, stolen wallets, or third-party liability, which can be complex to resolve in a foreign country.

What does Cruise Insurance cover?

Cruise insurance typically covers unexpected issues specific to cruises, such as trip cancellations, missed connections, emergency medical expenses, and evacuation from the ship. It may also offer protection for interruptions, delays, or lost baggage, and some policies include coverage for weather-related cancellations or missed port departures.

Travel Insurance for Seniors

Travel insurance policies tailored for seniors (65+ years) offer higher medical coverage limits, pre-existing condition coverage, and optional medical evacuation. These plans address seniors' unique needs, including coverage for medical care not provided by Medicare when traveling abroad.