Travel Insurance Europe

You won’t be covered if you travel to a country which the Foreign and Commonwealth (FCO) has advised ‘against all travel’ or ‘against all but essential travel’. 

Yes - you must buy travel insurance while you're still in the UK; you can’t take out Admiral cover one you’ve gone through Customs. 

If you’re planning a ski or snowboarding trip to any of Europe’s spectacular mountain resorts, you’ll need to add our Winter Sports upgrade onto your policy.

Our Cruise upgrade is included with Admiral Platinum holiday insurance as standard, but you must add the extra cover to the Admiral-level and Gold tiers. By adding the Cruise Upgrade, your travel insurance will be validated while you're on board the cruise ship. 

If this happens, you should contact us on our 24-hour Emergency Assistance Helpline on +44 (0)292 010 7777. It’s important to do this before you get medical treatment.

If your claim isn’t an emergency, you can call 0333 234 9914 between 8am and 8pm Monday to Friday, or 9am to 4pm on a Saturday. (Closed during bank holidays.) 

While Turkey straddles eastern Europe and Asia, Admiral Travel Insurance classes Turkey as Europe, so our European cover on single-trip or annual cover is what you need.

The FCO currently (Jan 2019) advises against all travel to within 10km of the border with Syria and to the city of Diyarbakir. It’s also advising against all but essential travel to:

• The remaining areas of Sirnak, Mardin, Sanliurfa, Gaziantep, Diyarbakier, Kilis and Hatay provinces
• Provinces of: Siirt, Tunceli and Hakkari

When buying Admiral Travel Insurance, Iceland is classed as Europe. The island is located between north America and mainland Europe.  Interestingly, Reykjavik is both the northern-most and western-most capital city in Europe.  

For travel insurance purposes, Cyprus is classed as in Europe by Admiral Travel Insurance. If you’re travelling to Cyprus, it’s important to be aware of the north/south divide in the country.

The north is run by Turkey and accepts the Turkish lira for currency. Whereas the south is mainly inhabited by Greek Cypriots and accepts the Euro.

The EHIC isn’t valid in the Republic of Cyprus (northern Cyprus) but it is accepted in the south. If you’re travelling to Cyprus it’s important to have insurance in place should you need medical attention.

Russia, west of the Urals, is covered by Admiral’s European travel insurance. The Ural Mountains approximately run from north to south in western Russia and forms part of the conventional boundary between the European and Asian continents.

You’ll need a visa to travel to Russia and it’s best to apply in plenty of time. For more information visit the Russian Embassy’s website.

You’ll be covered if there’s any disruption to your flights (in line with current cover and exclusions) if you already have travel cover or have booked a trip on your annual policy.

If there’s an official warning from the Government or airlines that suggests flights are likely to be disrupted, customers buying new policies may not be covered.

If you decide you don’t want to travel because of Brexit and end up cancelling your trip, you won’t be able to claim. Not wanting to travel isn’t a valid cancellation reason for claiming.

In the future, it's possible UK citizens will need a travel permit as part of the European Travel Information and Authorisation Scheme (ETIAS). 

If you can’t go on your trip because you don’t have the correct visa or permit, you won’t be able to claim on your cover.

The Government recommends UK travellers have at least six months left on their passports from the date they arrive in an EU country when travelling after 29 March 2019. Check the validity of your passport online with this handy tool.

If you can’t go on your trip as you don’t have enough time left on your passport (or you didn’t renew it in time), you won’t be able to make a claim.

If there’s a no-deal Brexit, your EHIC card may no longer be valid. The travel cover you receive won’t change, but the countries where you pay your policy excess when you claim will.

Without the EHIC, there’s no reciprocal health agreement in place between the UK and EU countries, so you’ll need to pay your policy excess when making a medical claim.

If you have a medical emergency while you're abroad, you're injured, fall ill, or have to cut your trip short please call our 24-hour Emergency Assistance Helpline on +44 (0)292 010 7777.

No, your holiday insurance doesn't cover car breakdown. However, if you have Admiral Car Insurance, you can extend this to provide European Breakdown Cover. This covers you and your car in case it breaks down while abroad in Europe.