Europe Travel Insurance
Coverage for European adventures from city breaks to Alpine skiing. Meet Schengen visa requirements and protect your trip.
Europe travel insurance — get a quoteSchengen Visa Insurance Requirements
If you need a Schengen visa, your travel insurance must meet specific criteria.
Minimum €30,000 Coverage
Schengen visa requires minimum medical coverage of €30,000
Valid in All Schengen States
Policy must cover all 27 Schengen countries
Medical Repatriation
Must include emergency repatriation to home country
Entire Stay Covered
Coverage must span your entire visa duration
Note: UK, US, Canadian, and Australian citizens do not need a Schengen visa for stays under 90 days. However, travel insurance is still strongly recommended. From 2025, visitors will need ETIAS authorization for visa-free travel.
Popular European Destinations
From Mediterranean beaches to Alpine peaks, travel insurance protects your European adventure.
France
Paris, French Riviera, Alps skiing
Italy
Rome, Venice, Tuscany, Amalfi Coast
Spain
Barcelona, Madrid, Ibiza, Canary Islands
Germany
Berlin, Munich, Black Forest, Bavaria
Greece
Athens, Santorini, Mykonos, Crete
Portugal
Lisbon, Porto, Algarve, Madeira
Protect Your Journey
Europe travel insurance helps meet Schengen visa requirements and covers medical emergencies across the continent.
Europe travel insurance — get a quoteWe receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is not a recommendation to buy travel insurance.
EHIC/GHIC vs Travel Insurance
✓ EHIC/GHIC Covers
- • State-provided healthcare in EU countries
- • Medically necessary treatment during your stay
- • Pre-existing conditions (same basis as residents)
- • Free or reduced-cost medical care
✗ EHIC/GHIC Does NOT Cover
- • Private medical treatment
- • Medical repatriation to home country
- • Trip cancellation or curtailment
- • Lost, stolen, or damaged belongings
- • Travel delays or missed connections
- • Countries outside the EU
EHIC/GHIC and travel insurance work together—EHIC reduces costs at point of care, while travel insurance provides comprehensive protection.
Frequently Asked Questions
Do I need travel insurance for Europe?
If you require a Schengen visa, travel insurance is mandatory with minimum €30,000 medical coverage. Even if you do not need a visa (e.g., UK citizens), travel insurance is highly recommended for medical emergencies, trip cancellation, and lost belongings.
What are the Schengen visa insurance requirements?
Schengen visa insurance must: cover at least €30,000 in medical expenses, be valid in all Schengen countries, include emergency medical repatriation, and cover your entire stay. The policy must be from a recognized insurer.
Does my EHIC/GHIC cover me for travel in Europe?
The EHIC (European Health Insurance Card) or UK's GHIC provides access to state-provided healthcare in EU countries. However, it does not cover private healthcare, medical repatriation, trip cancellation, or lost luggage—travel insurance complements this coverage.
Is the UK included in Schengen travel insurance?
No, the UK is not part of the Schengen Area. If your policy covers "Europe" check whether it includes the UK, Switzerland, and non-EU countries separately. Post-Brexit, UK citizens still enjoy visa-free travel to Schengen for up to 90 days.
What happens if I get ill in Europe without insurance?
Medical treatment in Europe can be expensive, especially in Switzerland, Scandinavia, and for private care. Without insurance, you could face bills of thousands for hospitalization or tens of thousands for medical evacuation.
Does travel insurance cover COVID-19 in Europe?
Most travel insurance policies now include COVID-19 medical treatment. Check your policy for: emergency medical coverage, trip cancellation due to positive tests, and any quarantine accommodation coverage.
How do I get travel insurance for Schengen visa application?
Purchase a policy meeting Schengen requirements before your visa appointment. You will need a policy certificate showing coverage amounts, validity dates, and geographic coverage. Many insurers provide instant documentation.
What is the difference between single-trip and annual European travel insurance?
Single-trip insurance covers one journey, while annual (multi-trip) policies cover unlimited trips within a year (usually with per-trip limits of 30-90 days). Annual policies are cost-effective if you travel to Europe 3+ times per year.
Related Insurance Options
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Protect your trip
Europe travel insurance helps meet Schengen visa requirements and covers medical emergencies across the continent.
- Medical emergency coverage
- Trip cancellation protection
- Lost luggage assistance
We receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is not a recommendation to buy travel insurance.
Our team has extensive experience with European travel, Schengen requirements, and helping travellers find appropriate coverage.