Travel Insurance
for Europe
Go further with travel protection that supports your adventurous side.
Travel Insurance by European Countries
Select a destination to explore travel protection options specific to that country.
What AXA May Cover on Your Europe Trip
Benefits vary by plan. This is a summary; refer to your plan document for complete terms, conditions, limits, and exclusions.
Emergency Medical Benefit
Covers eligible medical treatment costs, including hospitalization, surgery, and urgent care if you become ill or injured during your covered trip in Europe.
Trip Cancellation
May reimburse up to 100% of prepaid, non-refundable trip costs if you need to cancel for a covered reason such as illness, injury, or a covered unforeseen event.
Emergency Medical Evacuation
May cover medically necessary transport to the nearest appropriate medical facility, or return home after an emergency critical when traveling in remote areas of Europe.
Trip Interruption
If your Europe trip is cut short due to a covered reason, your plan may reimburse unused prepaid costs and additional expenses like meals and accommodations.
Baggage Lost or Stolen
Baggage loss, theft, or damage benefits may help reimburse the value of your belongings or cover essential items if your luggage goes missing.
Cancel for Any Reason (optional)
An optional add-on available on Explorer Select and Explorer Elite plans that may reimburse up to 75% of non-refundable trip costs if you cancel for a reason not otherwise covered by your plan.
Choose Your Europe Travel Protection Plan
All plans below cover travel to European destinations. Prices shown are starting rates; your exact premium depends on trip cost, length, and traveler age.
Explorer Standard
A great option for :
International Travel
Most Vacations
Explorer Select
A great option for :
Cruise
Family Trips
Explorer Elite
A great option for :
High-End Vacations
Senior Travelers
Explorer OnTrip
A great option for :
Last-Minute Trips
Same-Day Travel
Explorer Annual
A great option for :
Short Getaways
Value-Focused Trips
Explorer Annual Plus
A great option for :
Active Travelers
International Travel
Explorer Annual Max
A great option for :
Frequent Travelers
High-Value Travel
Traveling in Europe… What You Must Know
European travel comes with a few details worth keeping in mind when choosing a plan.
Schengen Area Entry
Some Schengen Area countries may require proof of travel medical coverage meeting minimum thresholds. Check entry requirements for your specific destination before travel.
Time-Sensitive Benefits
Certain benefits, including pre-existing condition waivers and Cancel for Any Reason, may require plan purchase within a specified number of days of your initial trip deposit. We encourage purchasing soon after booking.
Traveling to Multiple Countries?
AXA Travel Protection Plans are designed to cover your trip across multiple European countries in a single plan. Refer to your plan document for complete eligibility details.
Frequent Traveler to Europe?
If you travel to Europe multiple times per year, an Annual Multi-Trip plan may offer a cost-effective option for ongoing protection. Explore the Explorer Annual plan family.
Adventure & Activities Coverage for Europe
Europe offers countless opportunities for active travel, from skiing in the Alps and hiking the Dolomites to cycling through Tuscany and surfing along the Portuguese coast. Select travel protection plans may provide coverage for eligible adventure activities, including:
Skiing and snowboarding
Hiking and trekking
Cycling tours
Surfing, kayaking, and other water sports
Depending on your plan, coverage may help with covered medical expenses, emergency medical evacuation, or trip cancellation and interruption resulting from an injury.
Coverage varies by plan, activity, and destination. Not all activities are covered under all plans. Review your travel protection plan document carefully or contact AXA assistance to confirm coverage details before your trip.
FAQs About Travel Insurance for Europe
Do I need travel insurance for a trip to Europe?
Travel protection is not a legal requirement for most US travelers visiting Europe. However, some Schengen Area countries recommend or require proof of travel medical coverage. A plan may help cover costs related to unexpected cancellations, medical situations, or lost baggage.
Does AXA offer a specific Europe travel insurance plan?
AXA's Explorer plans cover travel to European destinations. As part of their international coverage, there is no Europe-exclusive plan. All plans listed on this page are valid for travel throughout Europe, including individual countries and multi-country itineraries.
Do I need separate insurance for each European country?
No. A single AXA travel insurance policy covers your entire trip, even if it spans multiple European countries. There's no need to purchase separate policies for each destination on a multi-country European itinerary.
Is AXA travel insurance accepted for Schengen visa applications?
Yes, AXA's Explorer Select and Explorer Elite plans can meet Schengen visa insurance requirements, which typically require a minimum of €30,000 in emergency medical coverage valid across all Schengen member states. Visit our dedicated Schengen page for details.
Does AXA cover pre-existing medical conditions?
Pre-existing condition coverage is available on select plans when you purchase within a certain number of days of your initial trip deposit (typically 14 days). Review your specific plan details or contact AXA for eligibility requirements.
What is Cancel for Any Reason (CFAR)?
CFAR is an optional benefit available on Explorer Select and Explorer Elite plans. It may reimburse a portion of your prepaid non-refundable trip costs if you cancel for a reason not otherwise covered. Additional costs apply, and time-sensitive purchase requirements apply. Refer to your plan document for full details.
When should I buy travel insurance for Europe?
Purchase as soon as you make your first trip deposit. Buying early maximizes your cancellation coverage window and may qualify you for pre-existing condition waivers. You can purchase up to the day before departure on most plans.
How do I file a claim if something goes wrong in Europe?
Claims can be filed online through AXA's claims portal or by calling the 24/7 assistance line. Document everything, save receipts, medical bills, and airline delay notices. Most straightforward claims are processed within 10–15 business days.
Disclaimer: This page provides a general summary of available benefits and is intended for informational purposes only. It does not replace or modify your plan documents. Benefits, coverage levels, terms, conditions, limitations, and exclusions vary by plan and may not be available in all states or jurisdictions. Plan cost is for illustrative purposes only and may vary based on state of residence, traveler age, trip details, trip cost, and selected coverage options. All travel insurance benefits are subject to the terms, conditions, limitations, and exclusions of the applicable plan document. In the event of a conflict between this summary and your plan document, your plan document will govern.
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Travel Assistance Wherever, Whenever
Travel with confidence knowing AXA Travel Insurance is there to support you along the way. With decades of experience in travel assistance, AXA Travel Insurance helps travelers feel supported wherever they go. Licensed travel representatives are available 24/7 to assist with medical coordination, trip concerns, or any questions about your plan.
