Travel Insurance Europe

Read the full list of benefits in the policy summary booklet.

Do I need travel insurance if I’m holidaying in Europe?

Unlike car insurance, travel insurance isn’t compulsory, and being so close to home you may be tempted to skip the cover. But you’ll want it in place if things don’t quite go to plan – luggage can get lost and people do get ill abroad.

Take France, for example, a favourite for us Brits, with 17 million of us visiting each year. It’s not just the Eiffel Tower in Paris or the yachts on St Tropez people flock to, snow-lovers flock to France for the hundreds of ski resorts on offer.

And if you were unlucky enough to break an arm while on the slopes of one of the many French ski resorts, you could be looking at costs of up to £1,000 for:

• First responder treatment
• Ambulance, Xrays and cast

If it’s a severe break you may need to be taken to the public hospital where you’ll be treated under the European Health Insurance Card (EHIC), which covers 80% of costs. If you've taken out the Admiral Winter Sports Travel Insurance optional upgrade, that’ll cover the rest, otherwise you’ll have to pay out of your own pocket.

Take a look at the true costs of getting ill abroad including how much hospital treatments cost across Europe and worldwide.

Do I need European Travel Insurance if I have an EHIC card?

Carrying the EHIC – sometimes called the European travel insurance card - means you can get state-level medical cover in the country you’re travelling in – if they accept the card.

Each country’s healthcare system is different and might not include the things you’d expect at home, or even cover you at all.

In Cyprus, for example, the EHIC is only valid in southern Cyprus. It isn’t accepted in the Republic of Cyprus (north) where the government doesn’t have effective control; it’s run by Turkey.

The EHIC isn’t valid in Turkey at all.

In the countries where it is valid, it only covers medical emergencies. It won’t cover all medical or repatriation costs if you need to be brought home for treatment, which is why travel insurance is so important.

It’s free to get an EHIC from the NHS online so get one before setting off on your next holiday and carry it at all times.

If you'll be travelling in Europe after Brexit, take a look at our EHIC after Brexit page to get an idea of how much it could cost to get treatment in Europe if EHIC is no longer available.

Where does European Travel Insurance cover?

Different insurers define ‘Europe’ in different ways, which can make buying the right cover for your holiday confusing.

In Admiral’s case, we cover 50 European countries, and our policies stretch the boundaries of Europe to include places like:

• Egypt
• Morocco
• Tunisia
• Turkey

Some insurers may have a smaller definition of Europe, while others may describe their policy as covering ‘Schengen’ countries. The Schengen Area is made up of 26 countries that have abolished border controls at their mutual borders.

For other providers who don’t define Europe in this way, or if you’re planning multiple holidays spanning Europe and further afield then worldwide travel insurance could be better suited to your needs.

Admiral Travel Insurance breaks down travel into three zones:

• Europe
• Worldwide excluding USA, Canada, Caribbean and Mexico
• Worldwide

Then three tiers of cover with increasing coverage and product benefits are available. You can choose between Admiral, Admiral Gold or Admiral Platinum to suit your needs best.

Do I need single or annual European Travel Insurance?

Whether you’re planning one European jaunt in a year or multiple holidays to the continent, we have the cover you need.

Our single trip insurance is best for those who are not frequent holidaymakers, and covers you for one trip for up to 365 days.

If you plan on travelling more than once throughout a year, annual European travel insurance is for you.

You’ll be covered no matter how many times you choose to travel (up to 31 days at a time, but this may be extended upon request), and could be perfect for people with a house-share across the channel or those who frequently travel.

What if I have a pre-existing medical condition?

A pre-existing medical condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing medical conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.

Your pre-existing medical conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 in the last two years and sought medical attention, this needs to be declared on your policy.

If you don’t tell us about your pre-existing medical conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The Money Advice Service Medical Directory

If you have or have had a more serious pre-existing medical condition and are struggling to find travel insurance, the Money Advice Service medical directory may be able to help. This directory has a panel of travel insurance providers who specialise in covering serious medical conditions.

Alternatively, you can call them on 0800 138 7777. (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)