Travel Insurance for holidays in Europe

Travel Insurance for Europe 

Europe is like a treasure chest brimming with wonders waiting to be discovered. Whether you're wandering through ancient ruins, savoring mouthwatering cuisine, or marveling at famous sights like the Eiffel Tower, there's something magical for everyone to experience.

But no matter where your adventures lead you, it's smart to be prepared. Here’s everything you need to know about travel insurance for Europe. We'll show you the ropes so you can expect a safe and worry-free journey.

  1. Discover our Travel Insurance for Europe
  2. What should your Travel insurance cover for a trip to Brazil? 
  3. How Does Travel Insurance for Brazil Work?
  4. Do I need Travel Insurance for Brazil? 
  5. How Much Does Travel Insurance Cost for Brazil?
  6. Our Suggested AXA Travel Protection Plan
  7. What types of medical coverage does AXA Travel Protection plans offer?
  8. Are There Any COVID-19 Restrictions for Travelers to Brazil?
  9. Traveling with pre-existing Medical Conditions? 
  10. FAQ


Discover our Travel Insurance for Europe

Travel Insurance Germany | Travel Insurance Italy  | Travel Insurance France | Travel Insurance Greece | Travel Insurance Iceland | Travel Insurance Norway | Travel Insurance Switzerland  | Travel Insurance Spain  | Travel Insurance UK | Travel Insurance Ireland

What should your travel insurance cover for a trip to Europe?

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.
AXA Travel Protection plans are designed with these minimum recommended coverages in mind.


  • Medical Coverage – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.  
  • Trip Cancellation & Interruptions – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events. 
  • Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation. 
  • Coverage for Personal Belongings – AXA offers coverage for your belongings with assistance against lost or delayed baggage. 
  • Optional Cancel for Any Reason – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Brazil.


How Does Travel Insurance for Europe Work?

Picture yourself wandering through the streets of Rome. Suddenly, a mishap occurs – perhaps a twisted ankle while exploring the Colosseum. In this moment, AXA Travel Protection proves invaluable. With their support, you gain access to quality healthcare, addressing your injury without fretting over medical bills. This safety net allows you to focus on recovery, so your European journey isn't marred by unexpected health setbacks.

Here’s how travelers can benefit from an AXA Travel Protection Plan:


Medical Benefits: 

  • Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
  • Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
  • Non-Emergency Evacuation & Repatriation: In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 


Baggage Benefits: 

  • Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
  • Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 


Pre-Departure Travel Benefits: 

  • Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
  • COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
  • Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 


Post-Departure Travel Benefits

  • Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
  • Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.


Additional Optional Travel Benefits 

  • Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
  • Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
  • Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
  • Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.


Do I Need Travel Insurance for Europe?

Travelers from the United States and other visa-free countries do not need travel insurance to visit Europe. However, if you're from a country that requires a visa for the Schengen area, you must have travel insurance. Even if travel insurance isn’t required for your entry, securing one is still highly recommended.

Why? There are several reasons:

  1. Medical Emergencies: Exploring Europe often involves extensive walking and adventurous activities. In the event of unexpected illness or injury, having coverage for medical expenses allows travelers to seek necessary medical treatment without worrying about exorbitant costs.

  2. Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

  3. Trip Interruption: Unforeseen events such as natural disasters, political unrest, or personal emergencies can disrupt your European adventure. Trip interruption coverage may protect travelers if they need to cut their trip short due to unexpected circumstances.


How Much Does Travel Insurance Cost in Europe?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:

Total Trip cost: The total amount of non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.

Age: Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.

With AXA Travel Protection, travelers to the United Kingdom will be offered three tiers of insurance: Silver, Gold and Platinum. Each provide varying levels of coverage to cater to individual's preferences and travel needs.


Our Suggested AXA Travel Protection Plan

AXA presents travelers with three travel plans – the Silver PlanGold Plan, and Platinum Plan, each offering different levels of coverage to suit individual needs. Given that Europe hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

The Platinum Plan is your go-to choice if you're looking for extra coverage for Europe’s experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Europe's stunning landscapes in a rental car.

Traveling to Europe for a ski or golf getaway? The Loss Skier Days and Loss Golf Days benefits, optionally available with the Platinum plan, have got you covered. If unexpected slope closures or golf course shutdowns disrupt your plans, these optional benefits may offer reimbursement for prepaid ski tickets or golf arrangements. This way, you can hit the slopes or the greens worry-free, knowing AXA has your back.

What types of medical coverage does AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

  • Emergency medical

  • Emergency evacuation & repatriation

  • Non-medical emergency evacuation & repatriation

Emergency medical: Can cover unexpected incidents like broken bones, burns, sudden illnesses, and allergic reactions that require immediate medical attention.

Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.

Non-medical emergency evacuation and repatriation: Can cover evacuation assistance when you must leave a place urgently due to non-medical reasons like natural disasters or civil unrest.

Are There Any COVID-19 Restrictions for Travelers to Europe?

No vaccination or COVID testing is required for entry into any European country.

Traveling with preexisting Medical Conditions to Europe?

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.

Our Gold Plan, and Platinum Plans offer coverage for preexisting medical conditions.
The Platinum plan is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plan with a preexisting medical condition, so long as it’s within 14 days of placing your initial trip deposit and in our 60 day look back period. We're here to make sure you travel with ease, no matter your health situation.


1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to Europe?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.)

AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip.

Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.

3.Do Americans need travel insurance in Europe?

Although not mandatory for entry into Europe, having a travel insurance policy that includes emergency medical coverage is highly advisable when visiting the continent.

4.What is needed to visit Europe from the USA?

US travelers entering Europe must have a valid US passport with at least six months left before expiration, any necessary visas, and ensure their passport remains valid for each country they visit. They must also have a clear reason for traveling and demonstrate adequate financial means for their stay.

5.What happens if a tourist gets sick in Europe?

If you become sick in Europe, travelers with AXA Travel Protection can contact the AXA Assistance hotline 855-327-1442. Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.


Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved. 

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