12 month european travel insurance

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Travel Insurance for Europe: 4 Best Options for 2024

Allianz Travel Insurance »

Travelex Insurance Services »

Generali Global Assistance »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Europe.

Table of Contents

• Allianz Travel Insurance
• Travelex Insurance Services

You almost certainly will want travel insurance for Europe, mostly because the high cost for international trips is worth protecting against travel delays and trip cancellations. Since your U.S. medical coverage will not apply overseas, you also need international health insurance that covers surprise medical expenses and medical evacuation.

If you're searching for the best Europe travel insurance that money can buy, consider the following plans and all they have to offer.

Frequently Asked Questions

Most people need travel health insurance at a bare minimum when traveling to European destinations like France, Italy or Switzerland, as well as additional countries inside and outside of the Schengen area. After all, U.S. health insurance plans do not provide coverage for medical emergencies overseas, and the same is true for government health plans like Medicare. Check out our article on whether your health insurance covers international travel .

Other benefits built into Europe travel insurance plans can also protect the money that's been spent on airfare, hotel stays, Europe cruises and tours. For example, travelers can benefit from having coverage for trip cancellation, trip delays, lost or delayed baggage, and more.

Every travel insurance policy is unique, so you'll want to read over individual travel insurance plans to see what they protect against. That said, the bulk of travel insurance plans for trips to Europe provide the following coverages:

• Trip cancellation
• Trip interruption
• Travel delays
• Lost luggage reimbursement
• Baggage delay coverage
• Medical expenses
• Emergency medical evacuation
• Rental car damage

Some travel insurance plans also offer additional or optional coverage for sports equipment or sports equipment delays, missed connections, accidental death and dismemberment (AD&D), adventure sports and more.

Some visitors to countries in the Schengen area are required to have a visa for short stays that can last for up to 90 days within a timeline of up to 180 days. However, this is not the case for American citizens, who can stay in Europe for up to 90 days at a time without meeting specific visa requirements.

The U.S. Department of State also notes that American citizens who want to stay in Europe for more than 90 days should reach out to the country they plan on visiting to inquire about their visa process.

If you live in a country that requires a Schengen visa, you are required to purchase Schengen visa insurance that pays for overseas medical expenses. This coverage must provide at least 30,000 euros in protection against medical expenses that result from hospitalization, emergency treatment and repatriation of remains in the case of accident or death.

• Allianz Travel Insurance: Best Overall
• Travelex Insurance Services: Best Cost
• Generali Global Assistance: Best for Medical Emergencies
• WorldTrips: Best for Groups

Optional cancel for any reason (CFAR) and preexisting medical conditions coverage available

Kids 17 and younger covered for free

Lower coverage amount for medical expenses than some providers

• $100,000 per traveler in coverage for trip cancellation
• $150,000 per traveler in coverage for trip interruptions
• $500 in coverage for eligible trip changes
• $50,000 in emergency medical coverage
• $500,000 for emergency medical transportation
• $1,000 toward baggage loss or damage
• $300 in coverage for baggage delays of 12 hours or more
• $800 in protection for travel delays (daily limit of $200 applies)
• $100 per insured person per day in SmartBenefits coverage for eligible delays
• 24-hour hotline assistance
• Concierge services

Optional CFAR and preexisting medical conditions coverages available

Kids 17 and younger are covered for free

Many coverages cost extra

• 100% of trip cost for trip cancellation (up to $50,000)
• 150% of trip cost for trip interruption (up to $75,000)
• $2,000 in coverage for trip delays of five hours or longer
• $750 in coverage for missed connections
• $50,000 in coverage for emergency medical expenses ($500 dental sublimit included)
• $500,000 in coverage for emergency medical evacuation and repatriation
• $1,000 in coverage for baggage and personal effects
• $200 for baggage delays of 12 hours or longer
• $200 for sporting equipment delays of 24 hours or longer
• $25,000 for accidental death and dismemberment coverage
• 24/7 travel assistance
• 100% of the insured trip cost for financial default of a travel provider (maximum of $50,000)
• Trip cancellation and interruption coverage for preexisting medical conditions (maximum of $50,000)
• Cancel for work reasons coverage
• CFAR insurance
• Car rental coverage worth up to $35,000
• $50,000 in additional emergency medical coverage
• $500,000 in additional coverage for emergency medical evacuation and repatriation
• Adventure sports exclusions waiver
• $200,000 in coverage for flight accidental death and dismemberment

CFAR and preexisting medical conditions coverages available

High coverage limits for medical expenses and evacuation

CFAR coverage only reimburses at 60%

• $1,000,000 coverage limit for emergency medical evacuation and transportation
• $250,000 coverage limit for medical expenses ($500 limit for dental emergencies)
• 100% of trip cost for trip cancellation
• 175% of trip cost for trip interruption
• $1,000 per person for travel delays ($300 per person daily limit applies)
• $2,000 per person in coverage for baggage and $500 for baggage delays
• $2,000 per person in coverage for sporting equipment and $500 for sporting equipment delays
• $1,000 per person in coverage for missed connections
• Air flight accident AD&D coverage worth $100,000 per person and $200,000 per plan
• Travel accident AD&D coverage worth $50,000 per person and $100,000 per plan
• $25,000 in coverage for rental cars
• 24-hour travel support

Discounts for groups of five or more

Potential for high coverage limits for medical expenses

No coverage for trip cancellation

Available coverage limits vary by age

• $5,000 for local burial or cremation
• Up to $25,000 in AD&D coverage
• $100,000 in coverage for emergency reunions
• $10,000 in coverage for trip interruption
• $1,000 for lost checked luggage
• $100 in coverage for lost or stolen passports or visas
• $100 in coverage per day for travel delays of at least 12 hours (two days of coverage maximum)
• Up to $25,000 in personal liability coverage

Why Trust U.S. News Travel

Holly Johnson is a travel writer who has created content about travel insurance, family travel, cruises, all-inclusive resorts and more for over a decade. She has visited more than 50 countries around the world and has an annual travel insurance plan of her own. Johnson also has experience navigating the claims process for travel insurance plans and has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson works with her husband, Greg, who is licensed to sell travel insurance and owns the travel agency Travel Blue Book .

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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.  

Discover our Travel Insurance for Europe

• What should your Travel insurance cover for a trip to Brazil? 
• How Does Travel Insurance for Brazil Work?
• Do I need Travel Insurance for Brazil? 
• How Much Does Travel Insurance Cost for Brazil?

Our Suggested AXA Travel Protection Plan

What types of medical coverage does axa travel protection plans offer.

• Are There Any COVID-19 Restrictions for Travelers to Brazil?
• Traveling with pre-existing Medical Conditions? 

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:  

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.  

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.  

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: L ike 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.

AXA presents travelers with three travel plans – the Silver Plan ,  Gold 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.  

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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4 Best Travel Insurance for Europe in 2024

Home | Travel | Europe | 4 Best Travel Insurance for Europe in 2024

Getting European travel insurance is one of the main requirements for obtaining a Schengen visa, whether for traveling, studying, or working overseas.

However, if you don’t need a Schengen Visa , you may ask yourself, Do I need travel insurance for Europe ? Well, it’s always a good idea. As I mentioned in my guide to the best international travel insurance companies , you should buy coverage if you want the peace of mind that comes with knowing you’re protected in any unforeseen circumstances.

4 Best travel insurance for Europe in 2024

Of course, not everyone needs the same kind of coverage, so in this article, I’m sharing the best travel insurance for Europe and Schengen travel insurance that meets all the visa requirements:

• Schengen visa travel insurance requirements
• Europe travel insurance cost & comparison
• Best travel insurance for Europe

What should European travel insurance cover?

Not to spoil the surprise, but Heymondo is the best option for Europe trip insurance and Schengen Area travel insurance . Heymondo offers comprehensive coverage at an affordable price, and it’s the only company that pays your medical expenses upfront , so you don’t have to worry about filing a reimbursement claim.

5% OFF your travel insurance

Another great option, if you’re traveling on a budget and don’t mind having a deductible, is SafetyWing . Just be aware that there is a $250 deductible per claim, and they don’t cover medical expenses upfront. You will need to pay out of your pocket and ask for reimbursement later, but it is the cheapest option by far.

I’ll give you a full review of other top travel insurance for Europe below .

Is travel insurance for Europe mandatory?

If you’re required to have a visa to enter the Schengen Area, you must have travel medical insurance for a Europe trip . Be aware that not all travelers need a Schengen visa, so check the requirements for different countries below.

If you’re a citizen of a country in the Schengen Area, you don’t need travel insurance for Europe , but it’s wise to have coverage for your trip .

What countries need a Schengen Visa to visit Europe?

Travelers from the following countries must purchase European travel insurance to obtain a Schengen visa and visit the Schengen Area:

Schengen visa insurance requirements

To obtain a Schengen visa, you must have Schengen Area travel insurance . That is, insurance that covers the Schengen Area and meets these requirements:

• At least $30,000 in coverage for medical emergencies and accidents : Healthcare and medical expenses in Europe aren’t cheap, so emergency medical coverage is a requirement. No matter where you travel in the Schengen Area, your insurance will cover the medical fees if you get sick or injured.
• Repatriation coverage in case of medical incidents or death : If you fall gravely ill in a remote area or require further medical attention for a serious injury, you may need to be transported back to your home country. This is an expensive service, so your insurance should include repatriation coverage. This way, you won’t have to pay big bucks for transportation fees.
• Coverage in all 26 Schengen Area countries for the entire duration of your trip : Even if you’re not planning to visit all 26 countries (which would be incredibly ambitious!), your insurance policy must cover all of them. The best Schengen travel insurance policies allow you to select “Europe” as your coverage area, so you don’t have to worry. I always recommend reading the fine print to ensure you don’t encounter any problems when applying for your Schengen visa.

What countries are in the Schengen Area?

The 26 countries that make up the Schengen Area are:

• Czech Republic
• Liechtenstein
• Netherlands
• Switzerland

Of those countries, Iceland, Liechtenstein, Norway, and Switzerland are the only countries that don’t also belong to the European Union.

How much does European travel insurance cost?

Choosing the best travel health insurance for Europe is one of the most frequent doubts among tourists. We currently have a policy with Heymondo , and we’re very happy with it. The company has been super responsive and helpful whenever we’ve needed assistance. I love that they take care of medical payments for us upfront, so we don’t need to pay out of pocket and file a claim.

If you’re still unsure which European tourist insurance best suits you and your needs , look at the table below. I’ve compared the cost of European travel insurance from 4 different companies. To be as impartial as possible, I’ve simulated the prices for a 30-year-old American traveling to Spain for two weeks with a trip cost of $2,500.

*Price used for example

For this European travel insurance comparison , I chose the cheapest policies that cover the Schengen Area and meet all the requirements. While Heymondo isn’t the cheapest, it offers better coverage than the others, and it’s the only one that pays for medical expenses upfront.

Also, remember that these prices are just an example and can vary depending on your trip’s duration, your country of origin, destination, and other factors. However, no matter the cost, you want travel insurance, even for the cheapest places to visit in Europe .

Best Europe travel insurance

Again, each European travel insurance company has its advantages, so I’m sharing an overview of each option below to help you make the best choice.

1. Heymondo , the best travel insurance for Europe

Heymondo is the best holiday insurance for Europe , offering $200,000 in emergency medical coverage and no deductible. One of the main advantages of Heymondo insurance is the 24/7 customer support and medical chat . This way, you can quickly consult a doctor or get directions to the nearest hospital.

Another thing I like about Heymondo is that it takes care of everything, so you won’t have to pay a single bill out of pocket . No more filing claims and waiting for reimbursement! Just remember that for Heymondo to cover expenses upfront, you must contact them before going to the doctor. If you forget or don’t have time, don’t worry. Heymondo will refund your money after you send them the medical invoice.

Besides, it covers electronic equipment , something that most travel insurance doesn’t include. For us, that coverage is crucial since we always travel with two laptops and professional camera gear.

We’ve been using Heymondo’s annual travel insurance and have been delighted with the experience. We have had to use the customer support more than once, and the team has always been professional, efficient, and kind. If you choose this company for your European travel health insurance , you can save 5% with our Heymondo discount .

2. SafetyWing , a cheap European travel insurance

If you’re looking for a low-cost Schengen travel insurance policy, look into SafetyWing . It’s one of the cheapest travel insurance companies on the market, offering excellent coverage without a hefty price.

SafetyWing’s European travel health insurance includes extensive emergency medical coverage, evacuation and repatriation protection, and up to $5,000 in trip interruption benefits for added peace of mind.

However, while SafetyWing has some of the lowest prices on the market, remember that it’s more of a medical travel insurance , so its trip-related coverage is minimal.

Also, there is a $250 deductible, so you’ll have to pay $250 before the company covers your medical costs. If you don’t want to deal with a deductible and want the added benefit of having your expenses paid upfront, I recommend Heymondo .

3. Trawick International , the best Europe travel insurance for seniors

Trawick International is another option to consider, especially if you’re looking for a good travel insurance plan for seniors . Trawick is affordable and features great medical benefits, including coverage for pre-existing conditions. The company also offers decent protection for natural disasters and repatriation.

This company also has travel insurance with Cancel For Any Reason (CFAR) . So, if you add CFAR to your policy, you’ll get reimbursed for your flight and accommodation expenses if you call the trip off, regardless of the reason for your cancellation. However, there are specific terms and conditions, so I recommend reading the policy thoroughly.

It’s important to review the different Trawick policies since some pertain to European travel insurance while others are tailored to students or tourists coming to the USA. In our comparison, we looked at the Safe Travels Explorer plan, which includes decent trip cancellation and interruption coverage, but only a small amount of baggage loss protection.

Overall, you can get much more coverage for the same price or a bit more. For example, Heymondo offers $200,000 in emergency medical expenses compared to Trawick’s $50,000. Plus, Heymondo pays your medical expenses upfront.

4. Travelex , another good travel health insurance for Europe

Lastly, Travelex is dependable tourist insurance for Europe that meets all Schengen visa insurance requirements. Its Select plan is the more expensive option, but it includes extensive repatriation and evacuation coverage, as well as natural disaster protection.

You’ll also be covered for travel-related expenses like baggage loss/theft, trip cancellation/interruption, and trip delay. Travelex is also a travel insurance that covers pre-existing conditions , making it a good choice if you want your policy to cover treatments and medication abroad for chronic diseases like diabetes.

On the other hand, the Select plan is the most expensive option of the policies we looked at, and the emergency medical expense coverage is very low. In comparison, Heymondo offers much better coverage for a lower price.

What should travel insurance for Europe cover?

When shopping around for travel medical insurance for Europe , make sure you’re looking for the best coverage. Below, you can see what the best European travel insurance should include:

Emergency medical expenses

Emergency medical coverage is the most basic and essential requirement for any European holiday insurance . Even the cheapest policies include this type of coverage. With emergency medical expenses protection, you’ll be covered for any visits, tests, treatments, and hospitalizations during the trip due to illness or injury.

However, chronic illnesses or sicknesses that existed before the start of the trip are excluded from this coverage. For example, the insurance won’t cover treatment for cancer, as that’s a chronic disease that must be treated in your country of origin. On the other hand, an emergency operation for appendicitis would be covered.

Emergency medical expenses, something that’s covered with European travel insurance

As for injuries and accidents, most policies don’t cover incidents that occur while practicing extreme sports or risky activities. In the case of Heymondo , some adventure sports are included in the Premium plan. For other insurers, there is the option to add this type of coverage to your policy for an extra fee. So, if you’re a daredevil and plan on participating in some extreme sports during your trip, I recommend getting a policy with Heymondo.

Evacuation & repatriation

Evacuation and repatriation coverage are other must-haves when buying insurance for a European trip . If you have to return to your home country due to a medical emergency or death abroad, this coverage will take care of the associated expenses. Moreover, if a family member back home gets seriously sick or dies, or there is an accident at your home, the costs will fall under this category.

Unexpected delays can happen while traveling, be it a flight delay, weather problems, or an issue with the airline. This is why many European travel insurance companies include trip delay coverage. This covers expenses like meals and accommodation if your trip is delayed several hours or more.

Trip cancellation & interruption

As for trip cancellation , it’s often not included in European travel insurance . You usually must take out a trip cancellation policy or add this coverage to your plan.

With trip cancellation protection, you’ll be covered if you have to cancel your trip for health, legal, or work reasons. The amount varies depending on your policy, but you could recover up to 100% of the money you invested in the trip. Of course, you must provide documentation justifying the cancellation.

If you want the option of canceling your trip for any reason and getting reimbursed, look into Cancel For Any Reason (CFAR) insurance . Many companies offer this coverage as an add-on.

Moreover, trip cancellation coverage is especially useful if you’re visiting multiple countries in Europe. An unexpected incident may come up in the middle of your trip, such as a family member getting sick or a natural disaster back home. Instead of losing all the money you paid for the rest of your journey, you can get reimbursed with European travel insurance with trip cancellation/interruption benefits.

Baggage loss, theft, or damage

It’s not uncommon for luggage to get lost, stolen, or damaged during travel. For this reason, I consider this type of coverage essential for any European travel insurance plan .

Be sure to check the monetary amount for this benefit since some insurers don’t offer as much protection as others. I also suggest keeping your most valuable and expensive items with you in a backpack or carry-on so you don’t risk losing them in your checked baggage.

If you can’t store your things in a hotel, consider using a luggage storage service once you’ve arrived at your destination. This way, you’re not a walking target for pickpockets!

Electronic equipment

If you’re bringing electronic equipment like a camera or laptop, be aware that these items aren’t typically covered under the baggage loss benefit. An exception is Heymondo , which includes electronic equipment protection in its policies.

For most other European travel insurance plans , you’ll have to get this coverage as an add-on for an extra fee.

Adventure sports

This is another benefit that’s often available as an add-on. If you know you’ll be participating in some extreme activities, adding this type of coverage to your policy is a good idea. Adventure sports include things like bungee jumping, skydiving, scuba diving, and white-water rafting.

Heymondo is one of the few European travel insurance companies that include adventure sports protection in its policies.

Search and rescue

Another insurance benefit is search and rescue coverage. This covers the cost of an organized search and rescue effort should you get lost or reported missing during your trip.

Natural disaster evacuation

Finally, natural disaster coverage will pay for the transportation costs if you need to return to your home country due to a natural disaster at your destination. Examples of natural disasters include earthquakes, floods, landslides, tornadoes, tsunamis, volcanic eruptions, and wildfires.

Europe travel insurance with a discount

If you decide to get travel insurance for a Europe trip , remember that you can take advantage of our discount to save money on your policy.

In the case of Heymondo , you can get a cheaper European travel insurance policy for being a Capture the Atlas reader. Just click our link below to get a 5% discount on Heymondo insurance .

Also, be sure to read our guide on the best discounts for travel so you can save money on flights, hotels, rental cars, and more.

Is Europe travel insurance worth it?

Even if you aren’t required to get a Schengen visa (and thus European travel insurance ), getting coverage is still a good idea. We never travel without insurance, and I advise everyone to do the same. After all, you never know what could happen abroad, whether you get in an accident or fall ill.

Throughout the years, my friends and I have had many experiences that highlight the importance of having insurance.

For example, I was studying English in Ireland with my cousin when he had to have emergency surgery for appendicitis. Luckily, he had EU travel insurance, so the cost of his operation was covered. He would have been stuck paying thousands if he hadn’t had travel medical insurance for Europe .

Another time, I was taking a trip to Germany, and my luggage never arrived. I was stressed out about not having any clothes or toiletries, but fortunately, I had travel insurance, so the company covered the cost of all the clothes and necessities I had to repurchase.

While those two scenarios ended nicely, my family and I have had less-than-ideal situations that resulted from not having insurance coverage.

One of those was when I planned a trip to Ukraine years ago. I had to cancel it because of a family emergency, and since I didn’t have travel insurance for Europe , I lost all the money I had invested in flights and hotels.

Similarly, my mom didn’t bother to get insurance before traveling to London. Someone stole her bag in a pub, so she lost her cell phone, camera, and wallet (with her ID and credit cards). She could’ve been covered for these losses if she had purchased European holiday insurance . Unfortunately, she had to pay to replace everything herself.

As you can see from the examples above, all kinds of unexpected circumstances crop up while traveling. It’s always better to have the added security of trip insurance. Take it from me, and don’t learn your lesson the hard way!

Other things to plan for your trip to Europe

Once you get the best travel medical insurance for Europe , finish organizing your trip with these helpful tips:

• Get one of the best SIM cards for Europe to avoid paying for roaming while using internet in Europe . We always use the Holafly eSIM , and you can even purchase it if you’re already abroad.
• Get a travel credit card to avoid hefty fees when using foreign ATMs. There are even some great credit cards with no foreign transaction fees that you can take advantage of.
• Check the iVisa website to see if you need a Schengen visa for your trip. If you do, make sure you request it in advance so you have it in time for your trip.

Lastly, enjoy your trip to the fullest!

FAQs – Travel insurance for Europe

If you still have concerns about European trip insurance , these answers to commonly asked questions may help:

Do I need travel insurance for Europe?

Travel insurance for Europe is mandatory for citizens who are required to apply for a Schengen visa.

Do I need European travel insurance if I have a European Health Insurance Card (EHIC)?

No, you don’t need European travel insurance if you have an EHIC.

Do I need Europe travel insurance for a Schengen Visa?

Yes, those applying for a Schengen visa must have European travel health insurance .

Which countries are required to have travel insurance to Europe?

Travelers who are residents and hold passports from the following countries must have travel insurance for Europe : Afghanistan, Algeria, Angola, Armenia, Azerbaijan, Bahrain, Bangladesh, Belarus, Belize, Benin, Bhutan, Bolivia, Botswana, Burkina Faso, Burma/Myanmar, Burundi, Cambodia, Cameroon, Cape Verde, Central African Republic, Chad, China, Comoros, Congo, Cuba, Democratic Republic of the Congo, Djibouti, Dominican Republic, East Timor, Ecuador, Egypt, Equatorial Guinea, Eritrea, Eswatini, Ethiopia, Fiji, Gabon, Gambia, Ghana, Guinea, Guinea-Bissau, Guyana, Haiti, India, Indonesia, Iran, Iraq, Ivory Coast, Jamaica, Jordan, Kazakhstan, Kenya, Kosovo, Kuwait, Kyrgyzstan, Laos, Lebanon, Lesotho, Liberia, Libya, Madagascar, Malawi, Maldives, Mali, Mauritania, Mongolia, Morocco, Mozambique, Namibia, Nepal, Niger, Nigeria, North Korea, Northern Mariana Islands, Oman, Pakistan, Palestinian National Authority, Papua New Guinea, Philippines, Qatar, Russia, Rwanda, Sao Tome and Principe, Saudi Arabia, Senegal, Sierra Leone, Somalia, South Africa, South Sudan, Sri Lanka, Sudan, Suriname, Syria, Tajikistan, Tanzania, Thailand, Togo, Tonga, Tunisia, Turkey, Turkmenistan, Uganda, Uzbekistan, Vietnam, Yemen, Zambia, and Zimbabwe.

What is the minimum medical coverage to get a tourist visa to Europe?

Individuals must have European travel insurance with a minimum of $30,000 in emergency medical coverage to get a tourist visa to Europe.

The best travel insurance for Europe should include emergency medical coverage, repatriation and evacuation, baggage protection, and trip delay protection. It’s also a good idea to include trip cancellation coverage in the policy.

What’s not covered by travel insurance for Europe?

Some European travel insurance plans don’t include trip cancellation benefits, but this may be available as an add-on. Other things that aren’t typically included are adventure sports, electronic equipment, and natural disasters.

What is the best travel insurance for Europe?

The best travel health insurance for Europe is Heymondo since it has an excellent price-to-coverage ratio and no deductible. Plus, it is the only company that pays your medical bills upfront, so you don’t have to pay out of pocket and file a claim for reimbursement.

How much is travel insurance to Europe?

The cost of Europe travel insurance can range from $2/day to $7/day or more.

Is travel insurance for Europe worth it?

Yes, European travel insurance is absolutely worth it , whether it’s mandatory for you or not. In addition to emergency medical coverage, you’ll have baggage, trip delay, and repatriation benefits that can save you thousands of dollars.

What happens if I get sick or have an accident in Europe and I don’t have travel insurance?

If you need medical assistance during your trip, you’ll have to pay out of pocket for any care you receive at the hospital or a doctor’s office. If you have a European Health Insurance Card, you can go to a public medical center. You’ll have to pay out of pocket, but you can file a claim for reimbursement once you return to your home country.

What should I do if I have travel insurance and get sick or have an accident in Europe?

If you get sick or injured while abroad, contact your insurer to find out which medical center or hospital to go to. You can go to the nearest public hospital or clinic if you have a European Health Insurance Card.

What is the age limit for getting travel insurance for Europe?

Some insurers have age limits on their policies, such as Heymondo and SafetyWing, which cover individuals up to 69 years old. Other companies have higher age limits or no limits at all.

Can I extend my travel insurance to Europe if I’m already traveling?

The ability to extend your coverage depends on the insurer. For example, SafetyWing policies automatically renew every 28 days until you select an end date. Heymondo allows you to take out a policy if you’re already traveling, but you’ll have to wait 72 hours after purchasing it for it to go into effect.

Does my travel insurance for Europe cover a flight canceled by the airline?

Generally, European travel insurance doesn’t cover flights that are canceled by the airline. If you want this type of coverage, look into Cancel For Any Reason insurance.

I hope this guide helps you find the best travel health insurance for Europe and that you feel better prepared for your trip. Remember, if you need a Schengen visa to enter the Schengen Area, you’ll need proof of insurance to get the visa.

However, even if you don’t need a Schengen visa, it’s still worth getting European travel insurance . It’s always safer to travel with insurance coverage. This way, you can enjoy your trip and have peace of mind knowing you won’t have to pay any medical bills and cancellation fees out of your own pocket.

Again, Heymondo is the best European holiday insurance , offering excellent coverage for a reasonable price and direct, upfront payments for medical expenses. If you decide to buy a policy, take advantage of our 5% Heymondo discount code below.

Stay safe, and have a wonderful time in Europe!

Ascen Aynat

14 replies on “ 4 Best Travel Insurance for Europe in 2024 ”

Is there a Schengen insurance that covers the UK on the same trip?

Hi Supinda, Yes, with the companies above, you can find European travel insurance plans that cover Schengen countries and the UK.

I wish to travel multiple trips to Europe 4-5 days duration

4-5 trips per year Mostly with my kids

Then I recommend you annual multi-trip travel insurance instead.

Let me know if you have any questions, Ascen

We are a family of four and applying for long term resident visa for Spain. We need health insurance for the visa. What do you recommend?

How long are you planning to stay in Spain. I usually recommend Heymondo, but if you’re staying for long, maybe it’s better to get a health insurance instead of a Travel Insurance,

Thanks, Ascen

Great information. Thank you so much for the information. Amazing services are there. i am very glad to see this blog. in the Schengen visa Itinerary also, providing good services like Flight Itinerary, Hotel Reservation and Travel Insurance are there.

hi Nigeria passport holder want to attend 15 days course in amsterdam Netherland base in Dubai UAE which travel insurance do you recommend for me thanks

I would try this one.

Let me know what you think.

We are a family of five traveling to Italy from the US. We are planning to do some hikes there. Which insurance do you recommend?

If you are going to have any kind of hiking or adventure sport I would go with insuremytrip standard for sure. It is the best insurance for Europe if you plan up to 2000m.

Thanks for this great post! I found all the info I need to decide which is the best travel insurance for my trip to Europe. I hope don’t have to use it though

I am glad to read you! Let me know if you have any question and safe travels!

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The Best Travel Health Insurance Companies for Europe

If you’re traveling to Europe this summer, you will definitely want travel insurance to supplement your trip in case anything goes wrong. These are six of the best travel insurance companies for coverage in Europe.

Photo: Pexels.com

When you’re planning a trip to Europe, half of the fun is working out the details of your itinerary, creating a bucket list of attractions to visit, and mapping out the route you want to take.

It’s easy to forget about the finer details, like travel insurance.

That’s just human nature. Who wants to think about the bad stuff when there’s so much to look forward to?

Travel insurance gives you peace of mind while you’re exploring. It doesn’t matter if you’re planning a relaxing wine tour through Italy or a more adventurous jaunt through Switzerland – being insured means you’ll come home with only awesome memories and not outrageous medical bills.

But there are different types of travel insurance for Europe and the Schengen zone. Here’s how to pick the best one for your needs.

Why You Need Travel Insurance for Europe

So why do you even need travel insurance for Europe, anyway?

It all comes down to a very blunt truth: literally anything could happen while you’re on the road, and you need to protect yourself. It’s truly no different than having health insurance in your home country.

Travelers don’t like thinking about worst-case scenarios, but it’s the responsible thing to do. And a good travel insurance policy covers everything from the smallest stuff – like lost and stolen luggage – to all the big picture items, like natural disasters or broken bones. Yes, even death.

In countries where you’re not a resident, the cost of things like medical bills and emergency evacuation are drastically higher than in your home country (even compared to the US, where those bills are crazy high already). So while you might not like the idea of dishing out money for insurance, you definitely don’t want to return from your trip with hundreds of thousands of dollars in medical expenses.

Note: Depending on your home country, you might need to apply for a Schengen visa. Furthermore, countries outside the Europe Schengen zone may have different visa and travel insurance requirements than member states inside the Schengen zone, including the UK. When in doubt, talk to an agent!

BEST TRAVEL INSURANCE COMPANIES FOR EUROPE 

If you take away just one important thing from this article, let it be this: Europe travel insurance is necessary. Just because these countries are developed and modern doesn’t mean you’re immune to accidents or illness on your travels.

Have a look at the different Europe travel insurance companies and their travel insurance plans.

1. Seven Corners: Best Travel Insurance Policy for Students

So you’ve got your visa application sent off and you’re planning on studying for a semester in Europe. Welcome to one of the best experiences of your life!

It’s likely that you’ll be required to have Europe travel insurance as part of your visa requirements to study abroad (and you may even need to present proof of insurance with your visa application and your visa letter). Regardless, travel health insurance is a must—and Seven Corners is the best.

Seven Corners has three different travel insurance plans specifically designed for international students. Each one is customizable so that you can even change the amount of medical coverage (up to $250,000) as well as the deductible. When you visit the student health center at your school, it’ll only cost you a $5 copay. Trip cancellation and interruption are also covered.

There are tons of options to add as well. For example, if you want to visit family back home while on your holidays, you can add coverage for when you return to the US (or wherever home may be). That means if you get into an accident while you’re at home, you’ll have health insurance coverage.

Get a quote

2. SafetyWing: Best Travel Insurance Policy for Expats & Long-Term Travelers

SafetyWing has incredibly unique travel insurance offerings for long-term travelers/expats.

SafetyWing is a rare gem of a travel insurance company because their plans allow you to have coverage for as long as you want. It works like a subscription, and your plan renews every four weeks automatically (until you cancel).

You’ll get coverage up to $100,000 for travel medical insurance and emergency medical evacuation coverage in 180+ countries. Trip interruption and trip delay coverage is also included (up to $100/day), but trip cancellations are not.

There’s one downside: SafetyWing’s insurance policies will not cover your gear. For digital nomads traveling with laptops, cameras, and other items of high value, this may be a dealbreaker. The good news is that you can add supplemental insurance like InsureMyEquipment to make sure you’ve got complete coverage.

More information

3. World Nomads: Best Travel Insurance Policy for Adventure Travelers

World Nomads is an all-around awesome insurance provider, but especially if you’re an adventurous type. They cover over 300 sports and activities, and their Explorer Plan is catered specifically to those interested in higher-risk activities.

Snowboarding in Switzerland? Diving in the Mediterranean? Competing in an air guitar competition (seriously) in Finland? This is the policy for you.

World Nomads’ plans include up to $100,000 in emergency medical coverage, medical evacuation and repatriation, and coverage for stolen or lost luggage. Bonus: their policies have always provided coverage for pandemics/epidemics, so you’re well covered up to $100,000 in emergency medical for COVID-19 too.

The user experience and customer service with World Nomads is also top-notch. If you’re not completely sure if your activity is covered, definitely speak with an insurance agent about your case.

4. Tin Leg: Best Travel Insurance Policy for Seniors

If you’re a senior ready to leave behind the US and make your dream of Europe travels come true, Tin Leg is the travel health insurance company for you.

Travel insurance requirements can be stringent for seniors, especially if you have pre-existing conditions (or if you’re over a certain age). Tin Leg is unique in that it offers travel insurance for people up to age 90!

Tin Leg has a few different plans, including the Tin Leg Economy policy with basic trip cancellations and medical coverage up to $20,000. That’s a bit low compared to other plans, but the Tin Leg Luxury policy covers people up to $100,000 for emergency medical and $250,000 for emergency medical evacuation and repatriation.

Pre-Existing Condition coverage is also included if your policy is purchased within 15 days of booking your Europe trip.

5. Travelex: Best Travel Insurance Policy for Families

Taking the whole fam on a country-hopping tour of Europe? Travel insurance coverage is a must for the whole gang.

One of the best things about Travelex is that they provide free coverage for all children age 17 and under, as long as they’re traveling with you under a single policy. It doesn’t matter if you have one kid or five…they’re all covered for travel health insurance!

Travelex is a heavy-duty insurer, and although they only have two main plans they also tons of add-on options. The Basic plan covers $15,000 in emergency medical expenses, $100,000 for emergency medical evacuation, and $500 for lost and damaged baggage.

But with their Travel Select plan, your coverage skyrockets: you’ll get $50,000 in emergency medical, $1,000 for lost or damaged luggage, and $500,000 in medical evacuation coverage. You’ll also get 150 percent of your insured trip cost reimbursed if your trip is interrupted.

6. AXA: Best Travel Insurance Policy for Multiple Trips

If you’re addicted to Europe travel, getting covered by Ama’s Multi-Trip Schengen visa travel insurance is a must.

Multi-Trip is an AXA Schengen visa insurance for frequent travelers who plan on making several trips to Europe over one year. That means if, for example, you’re traveling between the US and France all year on business, you don’t have to purchase travel insurance more than once.

AXA offers medical insurance for expenses up to €100,000 ($111,000) for both the Schengen zone as well as other countries outside of Schengen. If your Europe travel takes you to places like Monaco and Liechtenstein, the AXA Multi-Trip Schengen travel insurance is a great option for you.

But before you plan multiple trips all over Europe, make sure you’re aware of the Schengen visa requirements. Citizens of certain countries may need to apply for a visa depending on the country (if you’re a traveler from the US, you likely won’t have to). Visa refusal is never a fun experience, so make sure to include your AXA Schengen visa insurance certificate with your visa application.

If you’re unsure about anything, AXA has some great customer service. When in doubt, give them a call.

EUROPE TRAVEL INSURANCE FAQs 

Now that you’re aware of the different Europe travel insurance options and their different travel insurance policies, let’s make sure you’re clear on everything else travel insurance related.

Is travel insurance necessary in Europe? 

Yes, as soon as you leave the US (or your home country) to visit Europe and the Schengen area, travel insurance is necessary. Travel medical insurance is by far the most important asset for any traveler because those medical expenses will skyrocket if you get sick or injured abroad.

Plus your Schengen travel insurance should also cover things like trip cancellations and interruption. No matter what country you’re visiting, you need to be prepared.

Does travel insurance for Europe also cover the United Kingdom?

It’s important to understand that not all countries are part of the European Schengen area, including the United Kingdom. Your Schengen visa will not apply here, and your European travel insurance may not apply.

Some insurances, like World Nomads, will take into account that you’re traveling all over the European region and that you don’t just need Schengen travel insurance. When you’re requesting a quote online, you can select each destination you’ll be visiting.

You need to check with your travel insurance plan to make sure you’re covered for all your medical expenses and emergency evacuation (as well as anything else you want).

Talk to some travel insurance agents for greater clarity on your options. Europe travel awaits!

How much travel insurance do I need for Europe? 

The amount of travel insurance coverage you need for Europe/the Schengen area really depends on what you’re planning to do. In any case, your insurance plan should at least cover you for up to $100,000 in medical expenses and emergency evacuation.

You’ll also want to consider what kind of expenses you’ll incur if you’re not covered for things like trip interruption, cancellations, and lost/damaged luggage. You can’t often make corrections to your travel health insurance plan after you’ve begun traveling, so make sure you get it right!

Do US citizens need travel insurance for Europe?

Yes, US citizens absolutely need travel medical insurance for Europe, including the Schengen area.

If you’re a US citizen and you get sick or if you’re seriously hurt while in Europe or the Schengen area, you could face crazy high medical expenses. That could mean hundreds of thousands of dollars in medical debt.

Europe travel insurance is a must for any traveler, and that means US citizens too.

What countries are included in Europe travel insurance?

Generally, Europe/Schengen travel insurance will cover all European countries. As mentioned above, insurers know that you’re likely to visit more than one country on your trip.

But do your homework. Some popular European countries aren’t part of the Schengen area, including the likes of Bulgaria, Croatia, and even the United Kingdom. When it comes to insurance coverage, make sure you read the fine print and make any corrections to your policy as needed.

Residents from certain countries other than the US may require a visa as well, and applicants will want to apply well in advance. Bottom line: your travel medical insurance (just like your Schengen visa requirements) may differ depending on where you’re going.

Does my health insurance cover me in Europe?

Depending on the health insurance coverage you have at home, you may have travel coverage for Europe travel too. Keep in mind this is still travel insurance though—you won’t be able to claim expenses for things like cosmetic surgery abroad.

But in general, residents of the US (and residents of other places, for that matter) shouldn’t assume they’re covered.

Pro-tip: review your policy in great detail before you leave, in case you need to make any corrections.

Do I need Schengen visa insurance for Europe?

Many citizens do not need a Schengen visa before traveling to Europe. You’ll need to figure out what the Schengen visa requirements are for your country first. If you’re a US citizen, for example, you do not need to apply for a Schengen visa.

Applying for a visa can be a daunting experience for some citizens, but the online process for applicants is pretty straightforward. Absolutely make sure you have proof of your Schengen visa travel insurance secured beforehand (like the AXA Schengen visa insurance certificate mentioned earlier), and include it with your visa letter and visa application.

Once you’ve received your Schengen visa, you’re good to go.

Now it’s time—are you ready to see Europe?

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7 Best Europe Travel Insurance Plans for US Citizens in 2024

Updated on January 10, 2024 by Matthew H. Nash – Licensed Insurance Agent

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Europe travelers. Learn more at the end of this page.

STARTING PRICE FOR 2-WEEK TRIP TO THE EUROPE

CAN YOU CANCEL YOUR TRIP FOR ANY REASON? 

BEST WEBSITE FOR

Comparing Policies

• Compare dozens of the best Europe travel insurance policies from all the major providers in one place
• Easily filter for the features you want and get support from their award-winning customer service team
• Founded in 2013, TravelInsurance.com has helped hundreds of thousands of travelers find affordable insurance coverage

BEST POLICY FOR

Fast Claims

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

Travelers Aged 55+

• Pre-existing medical conditions are covered for a reasonable fee and they offer “cancel for any reason” as an add-on
• $2,000 COVID quarantine coverage available w/ Safe Travels Voyager plan
• Founded in 1998 and underwritten by Nationwide and GBG Insurance

Filtering Plans

• This comparison website has the most comprehensive filters especially for Covid-19 which helps you search for the specific benefits you need
• They have “Zero Complaint Guarantee” which promises a fair claims process
• Established in 2003, Squaremouth has consistently been recognized for it’s exceptional customer service

BEST POLICY FROM

An Established Brand

• Well rounded, inexpensive travel insurance plans from an established and top rated global insurance company
• AXA has plans that cover pre-existing conditions and their “Platinum” plan covers “cancel for any reason” with an optional add-on. They also offer helpful 24/7 Worldwide Travel Assistance Services
• Founded in 1959 and underwritten by Nationwide

Family Travel

• Their “Trip Interruption for any Reason” feature allows you to get a 75% reimbursement for any additional expenses if you decide to go home early from your trip
• They have a variety of insurance products to suit any travel needs
• Founded in 1993 and underwritten by Nationwide Insurance

$521 Per Year

Long-term Travel

• Ideal for digital nomads and long-term travel, available to anyone anywhere
• Scored lower because short-term travel coverage isn’t as robust as competitors
• Founded in 2018 and is underwritten by Lloyds of London

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

• Compare dozens of travel insurance policies from all the major providers in one place

Europe travel insurance FAQs

What is not covered by travel insurance.

You can expect your Europe travel insurance coverage to protect against a number of incidents, particularly those that are unforeseen and unexpected. However, several things may not fall under coverage, especially trip changes or cancellations due to personal preferences or whims. One example may be that you have a falling out with your travel companion and no longer want to go together. Another may be that you get swamped with work right before your trip and decide you shouldn’t leave on vacation after all. If you want more flexibility with your plans, the optional Seven Corners Cancel for Any Reason (CFAR) upgrade that would make your trip eligible for reimbursement. Seven Corners also has Trip Interruption coverage to protect you financially should your trip get cut short due to covered emergencies. Furthermore, standard travel insurance plans do not cover pre-existing medical conditions. Still, most providers have optional packages you can purchase if this concerns you or your travel companions. Every insurance provider has different requirements, but most only give you 14-21 days after paying the deposit on your trip to add this upgrade to your plan.

Does travel insurance cover adventure sports and extreme activities?

Opportunities to participate in adventure sports or extreme activities abound in Europe. Whether you go surfing in Portugal, skiing in Chamonix, bungee jumping in the Swiss Alps, white water rafting in Slovenia, or something completely different, Europe will not disappoint. And you will be even more pleased to know that many travel insurance providers will cover these outdoor excursions. I recommend using SquareMouth.com and choosing the “Sports & Activities” filter. It will allow you to enter any extreme sport or activity you’re interested in while on your European vacation and then show you all of the standard insurance policies that cover them. Remember to read the policy details before purchasing any travel insurance plan.

What to do if you’re in an emergency in Europe?

In an emergency in any European Union (EU) country, dial 112 from any phone. You may want to consult this list of European emergency phone numbers for European countries not part of the EU. Should you or another traveler insured by your policy experience a medical emergency, be sure to contact your travel insurance’s customer support line. They will coordinate transportation to a hospital that is up to US standards so that you can receive the best treatment possible.

Does travel insurance cover cancellation due to Covid or other communicable diseases?

Travel insurance companies are constantly adapting to the pandemic. As a result, many standard travel plans cover COVID-19 related cancellations or medical treatments. You can use a comparison website such as WithFaye.com to find the best new policies. I recommend choosing a plan with at least $50,000 in emergency medical coverage and $100,000 for medical evacuation. If you have already purchased a plan, check with your provider whether they have a policy rider that will cover trip cancellations due to communicable diseases. It is important to highlight that some aspects of travel may be affected by the COVID-19 pandemic but not covered by insurance. These may include border closures, quarantine restrictions, negative test requirements, fear of travel due to new outbreaks, etc. If you think any of these issues may alter your travel plans, buying a Cancel for Any Reason (CFAR) upgrade will give you added peace of mind.

How long does an insurance claim take?

After completing a claim with all necessary documentation, expect reimbursements to take 6 to 8 weeks. This time frame may vary from one provider to another, though.

What happens if my travel insurance claim is rejected?

If your claim was rejected, there are several potential reasons why: the policy did not cover the claim, required procedures were not followed, pre-existing medical conditions were not disclosed or costs were not accurately reported. If you believe your claim is valid, but the insurer rejects it, they will notify you of the available follow-up steps.

Does travel insurance cover emergency dental work?

Travel insurance policies tend to cover a minimal amount of dental work, ranging from $100-$750, and only for natural teeth. Bridges, crowns and false teeth do not fall under coverage, and neither do routine cleanings and exams. Trip insurance plans also limit when covered dental work can be performed. Review the full details for any plan you intend to purchase and ask the provider for clarification if you are unclear about its benefits.

Does travel insurance cover the death of a relative?

The answer to this question differs between policies. Suppose a relative of yours dies from a pre-existing health condition or suicide, you may not be eligible for bereavement benefits if you bought the cheapest travel insurance plan available. However, some policies with higher premiums will reimburse you regardless of the cause of death. It’s essential to read the policy details in full for relevant specifics. Another aspect to consider is who each provider deems “covered relatives” are. Do in-laws count? Siblings? Pets? Cousins? Grandparents? Again, there is no one-size-fits-all answer as it varies from one insurance plan to the next.

Most common problems while traveling in Europe and how to avoid them:

When traveling in Europe, there are far fewer illnesses one has to worry about than in more exotic, tropical destinations. The most typical illness people experience is food poisoning, which is no more common than it is in the US. That said, if you’re traveling through some of the southern European countries in the peak of summer, be mindful of the potential for sunstroke (aka heatstroke). Symptoms include vomiting, nausea, high fever, nausea and the possible loss of consciousness. If you suspect that you have sunstroke, consult a medical doctor immediately.

When it comes to accidents in Europe, the ones involving tourists are rather run-of-the-mill, such as trips and falls, car accidents or those involving sports or outdoor activities. For the latter, always ensure that you book your activities through reputable companies with a solid safety track record. Another common accident amongst Americans in Europe is from driving mopeds. If you do not know how to operate one properly, be sure to ask for advice and instructions before setting off on any grand adventures. And once you do, take your time and stay alert.

Muggings and pickpocketing are most common in tourist-packed cities like Florence, Paris, Barcelona, Belgrade, Marseille and Sofia. Be mindful of your possessions when in large crowds and alert to your surroundings whenever you’re out exploring, especially at night. It’s also vital to remain alert whenever you take public transport to reduce your risk of being a victim. Remember that pickpockets often work in teams, in which one distracts you while the other steals your valuables.

Emergency resources for Europe

Phone numbers.

If you are in a European Union country, dial 112 from any phone in the event of an emergency. For countries in Europe that are not part of the EU, refer to this list for each country’s specific emergency hotline number.

US embassy or consulate details

Each European country has at least one US Embassy or Consulate General. Use this list to locate the embassy or consulate nearest to your vacation destination. Each city/country’s webpage will have its phone number, address, hours of operation, and other essential information regarding citizen services. Travelers who wish to play it safe can register their trip with the closest US Embassy or Consulate through the Department of State’s Smart Traveler Enrollment Program . A significant benefit of the program is that it sends you travel advisories specific to your destinations within Europe. Listing your trip also allows them to communicate with you and your family should an emergency occur.

Other local knowledge that is helpful for travelers

Communication.

Using your American mobile phone in Europe adds up quickly. To avoid spending a small fortune on mobile phone service, take advantage of the free Wi-Fi available in most cafés, fast-food restaurants, and some hotels. Sending emails and texts via messaging apps or making Wi-Fi calls are also great ways to save money. Remember to switch all of your phone’s app updates to manual instead of automatic since data charges can add up quickly. However, if you want to be constantly accessible, upgrade to an international calling plan with your US mobile phone carrier before leaving home. Your other option would be to purchase a European SIM card as a more affordable way to stay connected. If you prefer the latter, contact your US mobile phone carrier for more information, as they will need to unlock your phone from their network before you leave for vacation. Prepaid credit for calls, messages and data is relatively affordable in Europe, and unlike in the US, you can still receive calls even if you run out of credit within a given country.

Not all countries in Europe use the euro (€), so I recommend checking in advance which currency each country you’ll be traveling to uses. To see which countries use the euro, visit the European Union’s website . Also, the World Atlas has a helpful chart that lists all European countries and their respective currencies (see bottom of the page). Always have cash on hand while traveling through Europe to cover public transportation costs, tolls, parking garages, gas (petrol), tips, and other low-cost purchases you may make. To get the best exchange rates, withdraw cash from a local bank’s ATM upon arrival. In Europe, ATMs are known as cash machines. Be sure to steer clear of non-bank-owned cash machines such as Travelex, Cardpoint, etc., since they are more vulnerable to being hacked and charge significantly higher fees and exchange rates. Remember to alert your bank in the US of your exact travel dates and respective destinations, so they don’t block your card. Also, note that if any business asks you whether you would like your purchase to be in the local currency or US dollars when using a credit or debit card, always choose the local currency. If you opt for USD, you will be charged an additional processing fee for the simple privilege of being told the price conversion!

Getting Around

Europe has excellent public transportation, including cross-border flights, trains and buses within the continent. If you prefer to travel between European countries via train, you might want to look into purchasing a Eurail pass. While there are various tiers you can opt for when buying such a pass, they all give you the freedom of not having to commit to specific destinations or dates. However, it will require you to complete all of your travel within a given time window. Buying individual tickets for each particular destination is also an option, and it may save you money if you are not planning to make more than 2 or 3 trips by train. When it comes to flying, I recommend using a flight comparison site such as Kayak.com or SkyScanner.com . You can often find very reasonably-priced tickets with major airlines. It is important to note that budget airlines generally do not allow flight changes or cancellations and charge extra for luggage and food. Bus networks within Europe are not as extensive as their rail equivalents, but they are much more affordable and more readily available. You can buy your tickets at station kiosks, onboard or online; booking in advance online is always your best bet for securing a seat for your preferred date and time. For those who wish to see Europe by car, it is always best to reserve your rental before leaving on vacation. One thing that catches many American visitors off-guard is that most rental cars in Europe come with manual transmissions. Therefore, if you prefer an automatic, you will need to filter for this when comparing various rental car offers. Keep in mind that cars with automatic transmissions will cost more per day than those with manuals.

Throughout all of Europe, prices are inclusive of sales tax, known as a value-added tax (VAT), so you can expect to pay the price you see on menus and price tags. For those of you who are traveling throughout the European Union, you may be able to reclaim some of the VAT you pay on larger purchases (the minimum amount varies from country to country). Please visit the European Union’s Taxation and Customs Page website to learn more about getting a VAT refund. For non-EU countries, you will need to inquire specifically with their customs agents at the local airports. Additional information is available at Global Blue . Should you wish to receive an on-the-spot refund, allow for an extra 45 minutes to 1 hour at your departure airport.

Unlike in the US, tipping is not as standardized or costly. In some cases, it is not even expected. Tipping your taxi driver an extra €1 is adequate or a little more if they help you with your bags. No tipping is necessary in cafés or restaurants where you order at the counter. However, if you are receiving table service, look at your bill ––they don’t call it a check-in Europe––to see if a service charge has been included. If so, then tipping is not necessary. If not, then 10% is a good tip for quality service. Of course, you are welcome to tip more if you feel the service was outstanding. Other service providers that often get tipped are hotel housekeeping staff, room service staff, bellhops, and activity and tour guides.

What to pack for Europe

Apart from Travel Insurance, we recommend you bring the following items for maximum health, safety, and enjoyment of your trip to Europe.

A final note about travel insurance for Europe

I have spent dozens of hours researching travel insurance, including getting quotes and comparing coverage from all the most popular brands. Regardless of where you’re going I am confident that you will also find that WithFaye.com offers the best way to compare policies with the ideal combo of coverage and price.

I wish you and yours an incredible journey.

SwiftScore Ranking Methodology

• Average price for a 2-week vacation based on a 35-year-old California resident traveling to the Europe with a $3,500 trip cost
• Coronavirus coverage
• Cancel for any reason (CFAR)
• AM Best rating of the underwriter
• Key policy details including cancellation, interruption, emergency medical evacuation, and baggage & personal effects
• Ease of sign up
• Policy language clarity
• User reviews

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• Unlimited medical emergency expenses¹
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Planning a romantic weekend or a family holiday in the sun? You don’t want to think about the worst happening while you’re away, but if you’re injured or have an accident while away,  European travel insurance can help. 

What is European travel insurance and do you need it?

European travel insurance covers your trip to Europe, as well as some other countries such as Morocco , Tunisia and Egypt if you pick an annual policy . 

Carrying a GHIC card in the EU gives you access to some medical treatment at the same price as local residents. However, it’s important to also buy travel insurance for your European trip. A GHIC card won’t cover all medical costs or repatriation to the UK. It doesn’t help with issues such as loss of your belongings or cancellation of your holiday. Plus, it won’t work in some European countries, such as Norway . 

The ABI found that a holidaymaker in the Canary Islands with a GHIC card still ended up with a medical bill of £67,000 . Costs included private treatment and medical repatriation back to the UK. Luckily they had travel insurance which covered these expensive medical costs.

Our policies are quick and easy to set up: 

• Get protection for the situations a GHIC card doesn’t cover: While it’s important to carry a GHIC card , it’s recommended that you have travel insurance too. This will cover you for medical repatriation, as well as cancellation and loss of personal belongings
• The right cover for your trip: InsureandGo Europe policies already cover over 100 sports and activities and we have a wide variety of add on options. Whether you’re planning a European cruise , golf holiday or some time on the slopes . 
• Cover your medical conditions : We will consider all pre-existing medical conditions  
• Save time and money with a multi-trip policy: If you’re going away more than once this year, it may be cheaper to buy an annual policy . Remember, our European annual policies even include some countries outside of Europe.  Morocco, Egypt, Madeira and the Azores are all included
• Get a quote in just a few clicks: Get your quote online today , just answer a few questions about your trip and who you want to cover. Once you’ve bought your policy, manage it easily online or give our team a call

Cover and excess levels will vary. Have a look at our policy wording to see the full terms and conditions for any policy you are interested in.

What does InsureandGo’s European travel insurance cover?

What’s covered.

Our travel insurance for Europe includes:

• Emergency medical expenses cover
• Cover for cancellation of your trip
• Over 100 sports and activities covered (see your policy wording for a full list of activities)
• Personal belongings and baggage cover
• Personal money, passports and travel documents cover
• Legal expenses cover
• Delayed departure cover
• Personal accident cover
• Our 24-hour emergency assistance team , available to call, day or night
• Plus our annual European holiday insurance even includes some countries outside of Europe! You’ll be covered for countries bordering the Mediterranean Sea, Madeira , The Azores and more.

Find out about our optional add ons for activities like extreme sports , winter sports , cruises and golf . 

We will consider all pre-existing medical conditions, find out more about medical travel insurance . 

The excess and amount of cover available varies depending on the level of Europe travel insurance you buy. Check the policy wording to see the full terms and conditions.

What’s not covered?

We aim to provide as much cover as we can on our policies. However, there are some situations no travel insurance will cover. For example:

• You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
• Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
• All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go

To check the policy exclusions and what is and isn’t included, take a look at our policy wording .

The best travel insurance for your Europe trip

Looking for the best European travel insurance? From policies covering the whole family , to cruise cover and annual travel insurance , find the right policy for you:

• Cruise cover : Get covered while at sea and for problems such as cabin confinement and missed port departure
• Sports and activity cover : Our policies already include over 100 sports and activities at no extra cost. Add on optional cover for things like extreme sports , winter sports , cruises and golf
• Travel insurance Europe single trip policies : Whether you’re planning the perfect city break or a long leisurely holiday. Tell us where you’re planning on going and we will send you a quote 
• Annual trip travel insurance for Europe : If you’re hoping for more than one European break this year, you may save time and money with an annual policy . Plus, our European annual travel insurance includes some countries outside of the region. Including those bordering the Mediterranean sea.
• Family travel insurance for Europe : Get every member of the family covered, fast. One quote and one policy for your whole group 

Choose a cover level to suit your travel needs

Which destinations are covered by our european travel insurance.

Our cover for European trips includes all of Europe, plus even more! Our annual policies cover countries to the west of the Ural mountains and those surrounding the Mediterranean, such as Morocco , Tunisia and Egypt .

If you buy an annual multi-trip policy for Europe, you’ll be covered to travel as often as you want in:

How to book our travel insurance for Europe

We know you just want to get on with looking forward to your holiday, so we make European travel insurance simple:

1. Tell us about you and your trip

Let us know dates, where you’re going and who you want to cover, as well as information about any pre-existing medical conditions .

Do it today online or by calling our team:

2. Get your quote

We’ll give you your quote and you can either choose to buy a policy or save the details for later.

“Europe is the perfect destination, right on our doorstep but filled to the brim with possibilities for your next holiday! You can even cover some countries outside of the region on our annual European policies, including Morocco, Egypt, and Tunisia.” Lydia Crispin – Travel insurance expert

Our reviews speak for themselves

With over 60,000 5 star reviews, don’t just take our word for it…

“ We renewed our travel policy today, an annual multi-trip for Europe. Prianka was the lady who dealt with us and she was wonderful, calm, patient as we went through a list of medical conditions. She put my wife and I at our ease and we were very pleased with the resulting policy. “ Allan – Date of experience:  08 February 2024

Europe travel insurance with pre-existing medical condition cover

At InsureandGo, we’ll consider all medical conditions. Our online medical screening process is simple, and we’ll quickly be able to give you a quote. 

You must declare your pre-existing medical conditions when you buy European travel insurance. Otherwise, you won’t be covered if you have an emergency that’s related to your condition while you’re away. 

For more information, have a look at our page on travel insurance for pre-existing medical conditions or read our policy documents .

Frequently asked questions on travel insurance for Europe

Do you need travel insurance for europe.

You’re not legally required to have travel insurance in Europe, but unexpected events can occur on your trip. Travel insurance means you’re covered for a range of issues, including:

• Medical and hospital expenses 
• Cancellation of your trip
• Any activities you plan to do  
• Personal belongings and baggage
• Personal money, passports and travel documents 
• Accommodation 
• Delayed departure 
• Personal accident

Do you need a Global Health Insurance Card (GHIC) and travel insurance?

It’s important to buy travel insurance as well as carrying your GHIC (also know as EHIC) card when travelling in Europe. Although the GHIC Card will give you some free or reduced healthcare in EU countries, it won’t cover all costs such as medical repatriation. It’s also worth noting that since Brexit, the card will not work in some European countries. Always check the FCDO advice before you travel.

Our Europe travel insurance also covers issues such as delayed departure and cancellation, which won’t be covered by a GHIC card.

How much is travel insurance for Europe?

European travel insurance tends to be cheaper than insurance for trips further afield. However, it will be impacted by where you’re going. For instance, Spain tends to have higher medical costs than the rest of Europe. Other factors that may affect price include: 

• The level of policy cover you go for
• Whether you want an annual or single trip policy
• Any policy add-ons you need 
• Any pre-existing medical conditions

Call our team on 0808 281 0594 or get a quick and easy quote online now .

Does travel insurance cover both the European Union and Schengen area?

Yes. Our European policies cover countries within the EU and the Schengen area . We also include some other countries under an annual European policy, such as Morocco , Tunisia and Egypt .

Is Turkey included in Europe holiday insurance?

Yes, you can travel to Turkey with InsureandGo’s European policies.

Why are Egypt, Morocco and Tunisia covered by Europe travel insurance?

As well as being near to Europe geographically, countries such as Egypt , Morocco and Tunisia are close to Europe in terms of claims costs. This means we can include these countries in our annual Europe travel insurance, so our customers don’t have to pay out for more expensive cover.

Do I need a visa to travel in Europe?

Currently, British passport holders are allowed to travel through the EU and Schengen zone * without visas for a maximum of 90 days.

Make sure you check out the latest travel advice for trips to Europe to ensure you have the correct cover for your trip.

*The countries which are part of the Schengen zone are: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.

Can you help if I need medical treatment while in Europe?

Our 24-hour emergency assistance team is available with all of our policies. Ring us night or day if you become ill or are injured while abroad.

Please note: These 24-hour lines are for medical emergencies only.

Who can buy an InsureandGo European travel insurance policy?

All our Europe travel insurance policies are available to UK residents. This means:

• Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
• They must be in the UK at the time of purchase
• All trips must start and end in the UK

Get a quote online or browse our policy documents for more information.

Frequently asked questions

If you’ve got more questions about how our European travel insurance works, or more general travel insurance queries, have a read through our FAQs .

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

• 12 Month Travel Insurance

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 Range of Working Activities

 Six Different Policies

 Option to Extend Duration

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 Wide Range of Sports

 24 Hr Medical Assistance

12 Months or 1 year Travel Insurance

If you’re a globetrotter who is planning to be out of the country for a year, you will require specialist insurance for long-term travel. Here at Navigator Travel , we specialise in long-stay, 12-month or one year travel insurance and can ensure that you will find an appropriate annual travel insurance policy for you. 

Whether you’re planning on studying , volunteering , or working abroad, or you’ll be embarking on a worldwide itinerary or gap year , you can have peace of mind knowing that we have a great selection of annual travel insurance policies to suit all circumstances. 

What is Year Long Travel Insurance and Why is it Important?

12 month travel insurance offers you protective cover whilst you are travelling abroad to one destination, or multiple destinations, in the space of a year. 

Purchasing annual travel insurance is important to ensure that you are adequately covered whilst you’re on your adventures. For example, if there was an instance in which you were involved in an accident, you sustained an injury, or you are faced with other unforeseen circumstances whilst travelling, you can rest assured that your year long travel insurance policy will likely cover you. 

Depending on the nature of your travel, and if one or more destinations are incorporated into your itinerary, this will impact the type of one year travel insurance policy you will need. Therefore, it is crucial that you choose the correct type of annual travel insurance for your plans. 

Discover Which Annual Travel Insurance You Need: Annual Multi-Trip or Single Trip Long Stay? 

Given we specialise in 12 month travel insurance here at Navigator Travel, we can advise you that there are two types of 1 year travel insurance policies that you can choose from. These are as follows: 

• Annual Multi-Trip Policies: Annual multi-trip insurance policies allow for a traveller to take unlimited short trips (usually spanning from 31 days to 45 days per trip, though some can be up to 62 days per trip) abroad during a 12 month period.
•  Long Stay Single Trip Policies: These long-term policies are designed for travellers to take one long trip to a single destination overseas. These long stay single trip policies can be purchased for any duration from 1 month to 18 months, or even up to 2 years in some circumstances. 

It’s worth noting that a 12 month long stay single-trip policy is more expensive than an annual multi-trip policy. Additionally, if you are unsure of the duration of time you will be spending on your next getaway, you can simply take a shorter trip, purchase your necessary travel insurance policy, and extend this up to 12 months at a later date, if necessary. 

You can purchase one of our one year travel insurance policies today or contact a member of our team to discuss which policy may be best for you and your individual circumstances.

What Do Our 1 Year Travel Insurance Policies Cover?

Any adventures and travel itineraries planned within a 12 month period may be covered by our policies here at Navigator Travel. For instance, we cover gap year travel , extended backpacking trips , or round the world holidays for those looking to discover new destinations and cultures across the globe. 

We also offer cover for educational and work-related travel such as volunteering abroad , studying overseas , or working in a foreign country due to occupational postings.

And, finally, our insurance policies can are suitable for those looking to have long-term visits to see friends and family so that they have the opportunity to connect with their loved ones whilst having adequate travel insurance cover.

Does a Yearly Travel Insurance Policy Cover Sports? 

Our range of yearly travel insurance policies can cover a wide variety of extreme sports .

These include the following: 

• Playing Polo
• Motorcycling
• Mountain Biking
• Altitude Trekking
• Scuba Diving (up to 40m)
• Horseriding
• Kitesurfing

It is worth noting that some of the above-listed sports fall into our ‘Action’ and ‘Action Plus’ categories,  which are not covered by our Silver or Gold Long Stay policies. If you require cover for these types of, more hazardous, sports and activities, we may be able to cover you on our AIG Backpacker & Longstay, Adventures, or TravelPlus policies. Call 0161 973 6435 or email [email protected] to gain a quote for your specific trip. 

There are, however, additional sports which are not listed above that are covered by our 12 month travel insurance policies. You can get in touch with us to find out if a specific type of sport you’re looking to partake in on your trip would be covered by our policies.

Frequently Asked Questions:

How many trips can be covered on annual multi-trip travel insurance.

Our Annual Multi-Trip travel insurance policies allow for travellers to embark on unlimited trips within a 12 month period. This means that, regardless of how adventurous your itinerary is, you can rest assured that you have the necessary cover that you require to enjoy your trip to the fullest.

What Is the Maximum Duration Covered for Each Trip on an Annual Multi-Trip Policy?

We have a range of Annual Multi-Trip policies which each permit a maximum length of 31 days, 45 days or 62 days per any one trip taken within a year. The exact amount of time that any one trip can extend to does vary dependent on the exact Annual Multi-Trip policy purchased. So, should you want to ensure that you have longer length periods for your travels, you should opt for a policy that offers this.

I need Cover for More Than 62 days, Can I Get Insurance for Longer Periods?

Whilst normally our Annual Multi-Trip policies offer an upper limit of 62 days for any one trip, we are able to insure longer trips on a single trip basis. Long stay policies can be arranged for trips that are up 18 months in duration or even 2 years, in some cases.

I Need Annual Multi-Trip Cover for Working Abroad, Will These Policies Be Suitable?

We have Annual Multi-Trip policies that will cover most types of work abroad . Our AIG Longstay & Backpacker policies, for example, are suitable for those planning on partaking in the following types of work:

•  Manual work, such as using machinery or working on construction sites
• Farm work, which involves working alongside animals or operating agricultural machinery
• Long stay working trips of up to 18 months in length
• Volunteering, such as with charity organisations
• Working in an animal sanctuary with wild animals

Those who plan on partaking in other types of work, such as bar and restaurant work or fruit and vegetable picking, can alternatively opt for our Silver, Gold, and Diamond packages.

We offer a number of insurance policies for working abroad and, depending on the type of work you will be undertaking, one policy may suit you better than the next.

Find out the best possible price for your travel insurance

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Annual Multi-Trip

Cover for multiple trips.

• Up to 45 days each trip
• Option to extend to 62 days
• Special deals for couples and families

Long Stay Single Trip

Cover from 2 to 18 months.

• Extended backpacking
• Career breaks
• Volunteering
• Working holidays abroad

Short Stay Single Trip

Cover for up to 45 days.

• Single holiday
• Business trip
• Special rates for families
• Accompanied kids go free

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We offer four policies for people travelling overseas, requiring cover for specific sports and activities.

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Best Long-Term Travel Insurance

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Factors we considered in long-term travel insurance

An overview of the best long-term travel insurance, top long-term travel insurance for u.s. citizens, long-term travel insurance coverage recapped.

If you take multiple trips a year, you may want to consider purchasing long-term travel insurance for emergencies. This is especially true if you go abroad for extended stays, as travel insurance typically covers you even when your U.S. medical insurance may not. 

Because the considerations and coverage for long-term plans differ from shorter, single-trip policies, NerdWallet has researched the best long-term travel insurance plans for U.S. citizens.

Here's our list of the best long-term travel insurance providers:

Allianz Global Assistance.

Travel Guard.

USI Affinity Travel Insurance Services.

» Learn more: The best travel insurance companies

We made the following considerations when selecting the best long-term travel insurance companies:

Coverage . We looked at the types of coverage offered and the amount of coverage you could purchase. 

Cost . Affordability is essential, as the best coverage worldwide won't matter if the policy is too expensive. 

Ease of purchase . Being able to quickly and easily find quotes and sign up for coverage is a crucial factor in choosing the right policy.

Customization . The more options you have to tailor a plan specifically for your needs, the better.

Note: We excluded companies that require you to list the length, locations or dates of your trips to purchase a policy. We recognize that most travelers likely don't know these details for all the trips they'll take a year in advance. 

» Learn more: What to know before buying travel insurance

To compare prices and coverage levels, we looked at quotes for a one-year policy for a 35-year-old traveler based in California. If a company offered more than one tier of travel insurance, we went with their entry-level option. 

On average, the price of a policy offered by the listed companies was about $171. 

» Learn more: Does travel insurance cover award flights?

Let's take a closer look at our five recommendations for long-term travel insurance.

Allianz Global Assistance

What makes Allianz Global Assistance great:

Easy-to-use website.

Affordable coverage.

Different options for different budgets.

For our test, Allianz Global Assistance's basic coverage cost $138, about 19% lower than average.

Travel Guard by AIG

What makes Travel Guard great:

Includes dental coverage.

Offers security and emergency evacuation coverage .

Missed connection coverage of up to $500.

For our test, Travel Guard's basic coverage cost $259, about 51% above average.

USI Affinity Travel Insurance Services

What makes USI Affinity Travel Insurance Services great:

Budget-friendly option.

Includes emergency medical evaluation. 

For our test, USI Affinity Travel Insurance Services' basic coverage cost $100, almost 42% below average.

What makes GeoBlue great:

Certain prescription drugs are covered.

Covers medically necessary COVID-19 testing and treatment .

Allowed to take unlimited trips outside of the U.S. for a maximum of 70 days abroad per trip.

For our test, GeoBlue's basic coverage cost $125, about 27% below average.

What makes Heymondo great:

Offers a one-month refund policy, provided the trip has not started and no claims were made.

Easy to add coverage for electronics, cruises or adventure sports.

It has an app to file claims and chat with a doctor 24/7.

For our test, Heymondo's basic coverage cost $232, about 36% above average.

» Learn more: Does my Chase credit card have health insurance?

Most travel insurance companies offer annual plans as a cost-effective way for you to insure multiple trips in one year. Annual plans typically cover medical emergencies and basic benefits. Depending on the provider, some benefits such as baggage delay and trip cancellation are not always covered in annual plans. There are, at times, maximum trip durations per policy.

You can purchase an annual plan that covers multiple trips in one year (with restrictions on trip duration) or a specific long-term travel insurance plan if your trip is longer than three months. Annual plans are on a 12-month rolling basis. Long-term policies can last up to two years, depending on the travel insurance company.

Yes. If you're considering backpacking or taking a gap year, travel insurance companies have options for long-stay travel insurance. Policies vary by providers, but they'll typically include emergency medial treatment, legal protection and travel document replacements.

Yes, several travel insurance providers offer annual plans. Annual plans are a cost-effective way to insure more than one trip during the year. Depending on the plan, long-term trips may be excluded from coverage.

Before purchasing long-term travel insurance, you should think about the type of coverage you want, your budget and if you have any pre-existing medical conditions you wish to be covered.

Having the right plan may provide you with peace of mind and save you serious cash in the event of an emergency.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

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What Is Schengen Travel Insurance?

Quick answer.

S chengen travel insurance is a specific type of travel insurance policy tailored to meet the travel medical coverage requirements set by the 27 (soon to be 29) European destinations within the Schengen Area. Travelers must present proof of sufficient coverage as part of the Schengen visa application process.

Schengen member countries have abolished their internal borders, allowing more accessible travel within the area. While this is incredibly convenient, some travelers may need a visa to visit Schengen countries. And one of the requirements to obtain that visa is to purchase sufficient travel medical insurance coverage.

Read on to learn more about Schengen visa travel insurance requirements and find the best travel insurance policy for your upcoming trip.

Table of contents

What is schengen travel insurance, schengen countries, visa and travel insurance requirements for the schengen area, key coverages in schengen travel insurance, how to get schengen travel insurance, schengen travel insurance faqs, summary of money’s guide to schengen travel insurance.

Schengen travel insurance is designed for travelers entering the Schengen zone, which comprises 27 (soon to be 29) European nations that have abolished internal borders.

Many visitors, including citizens from non-EU countries like India and China, must obtain a travel visa to enter the Schengen Area. And a requirement for a Schengen Visa is to have insurance covering at least €30,000 (around $32,720) in medical costs.

However, there are exemptions. For example, U.S. citizens and residents of countries such as Canada, Brazil and Mexico don’t need a Schengen visa or travel insurance for stays of up to 90 days within a 180-day period.

The Schengen Area consists of a diverse tapestry of countries. Among the member nations are some of the best places to visit in Europe , including France, Italy, Germany, Spain, Greece and the Netherlands.

Here’s the complete list:

Ireland and Cyprus are the only E.U. member states not currently part of the Schengen Agreement.

Having a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or business purposes.

Once officially admitted, you can travel freely within the member countries without passing through customs each time. Stays under 90 days don’t require a visa for U.S. nationals, but your passport should be valid for at least six months past your travel dates.

Short stays don’t require travel medical insurance either, though travel insurance may still be worth it . That could be especially true if you plan to participate in adventure sports or other high-risk activities.

Travel insurance generally also covers cancellations and delays. Purchasing a policy could pay off if you’ve booked expensive, non-refundable flights or accommodations and didn’t purchase them with one of the best travel credit cards that offer insurance.

European Travel Information and Authorisation System (ETIAS)

Travel requirements for European Union countries are projected to change by mid-2025. Visa-exempt travelers to all 27 (soon to be 29) Schengen countries and Cyprus will need an ETIAS authorization.

Here’s what you need to know:

• You must complete an online application and pay a small fee for an ETIAS authorization.
• The authorization is tied to your passport and is valid for three years or until your passport expires.
• With a valid travel authorization, you can enter 30 European countries for short stays of up to 90 days within a 180-day period.
• ETIAS authorization does not guarantee entry into any of these countries. You still have to present your passport and documents at the border.
• The above applies to people from the U.S., Canada and dozens of other countries, so check the E.U.’s official travel website or your country’s embassy for more information. An ETIAS is not a visa and doesn’t mandate travel medical insurance.

Schengen visa requirements

You’ll need a visa if you’re from a visa-exempt country, like the U.S., and planning to stay in the Schengen Area beyond the 90-day threshold. Regardless of the length of the stay, nationals traveling from certain countries always require a visa.

Determine which Schengen country you’ll spend most of your time in and check with their official tourism or embassy website for instructions on applying for a visa. The embassy will inform you about the required documentation and instructions to meet their regulations.

Schengen visa processing time can vary depending on your country of origin and your destination country, so be sure to start the process as early as possible.

Besides the application form, the following are required to obtain a Schengen visa:

• Valid passport: Your passport must be valid for at least three months after departure.
• Passport photo: You must submit a picture of yourself that complies with the International Civil Aviation Organisation (ICAO) standards.
• Travel medical insurance: You must carry at least €30,000 (approximately $32,720) in coverage for medical emergencies, hospitalization and repatriation that’s valid in the entire Schengen Area for the duration of your stay.
• Documentation: You must provide evidence of the purpose of your visit through supporting documentation, demonstrate you have the financial means to cover expenses and accommodations and show intent to return to your home country after the stay.
• Fingerprints: Most, but not all, applicants will be required to submit their fingerprints along with their application.

Consulates of particular countries may require additional documentation.

Understanding what travel insurance covers can help you plan a worry-free journey. While plans and coverage options vary by company, here’s a breakdown of what Schengen travel insurance generally covers.

• Medical expenses: Travel medical insurance covers the cost of treating unexpected illnesses or injuries you suffer during your trip, up to your policy limits. These include the cost of medications, hospitalization and other essential medical treatments.
• Medical repatriation: Some travel medical policies also include emergency medical evacuation or repatriation, which covers some of the costs of transporting you back home or to a different medical facility to receive necessary medical treatment.
• Repatriation of remains: As the name suggests, this coverage will pay (up to your policy limits) for expenses related to transporting your body or cremated remains to your home country or point of origin.
• 24/7 Travel Assistance: Travel insurance companies generally offer round-the-clock assistance services, including language support, help recovering lost passports or prescriptions and even booking accommodations and medical transportation.

Note that some companies may require you to meet a deductible for the travel medical plan to start paying out.

Other travel-related coverage options

Most travel insurers sell policies covering medical emergencies and travel-related inconveniences such as delays, cancellations, lost luggage, and more. While you don’t need these coverage options to obtain a Schengen visa, you may still find them worthwhile.

• Trip cancellation and trip interruption: Covers non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events like illness or accidents.
• Baggage loss or delay: Helps cover the cost of replacing essential items if your baggage is lost or delayed by a specified number of hours.
• Delayed flights and missed connections: Provides compensation for additional expenses caused by inconveniences such as delays or missed connections.

It’s easy to buy travel insurance for your Schengen Area trip. Many providers offer policies that fulfill the visa requirement and include additional coverage that can be tailored to your needs.

Here are some steps to help you get the right coverage.

1. Research reputable travel insurance providers

Most travel insurers bundle travel medical insurance coverage with trip cancellation, interruption, and other coverage options. If you only want to satisfy Schengen visa requirements, look for a provider that explicitly markets Schengen travel insurance or offers stand-alone travel medical coverage.

2. Select a plan that meets your needs and get a quote

Remember that you may not need trip insurance beyond the €30,000 in travel medical coverage required for a Schengen visa, so read plan details carefully to avoid buying unnecessary coverage.

It also pays to shop around and get quotes from several insurers, as travel insurance costs between 3% and 14% of the total cost of your trip, depending on the company and policy you choose.

3. Read your policy details

When shopping for travel insurance online, you’ll typically find that most companies include a policy summary or schedule. This document outlines critical details such as the policy’s coverage limits and exclusions. Carefully reading it can help you avoid surprises and frustration if you ever need to file a claim.

If you still have questions after reading the policy summary, contact the insurer before finalizing your purchase.

4. Get to know the claims process

Similarly, reading about your insurance provider’s claims process can save you time and energy in an emergency. Your policy summary should include a list of documents you’ll be required to provide as part of the claims process, which may include receipts and medical bills.

After a covered incident, contact your insurer through the company’s website or mobile app as soon as possible. Most insurers also offer travel assistance services around the clock.

5. Purchase and safeguard your policy

You will need proof of your travel medical insurance plan to apply for a Schengen visa. Keep your insurance certificate in a secure yet accessible location, whether a digital version on your smartphone or a physical printout in your travel folder.

It may also be a good idea to share a copy of your policy with a trusted friend or family member back home so they can contact your insurance provider if you cannot request medical assistance due to an emergency.

Should I get travel insurance for Europe?

Travel insurance, especially within the Schengen Area, is not just recommended but often mandatory. To obtain a visa to visit the Schengen zone, you must show proof of having sufficient travel medical insurance.

How much travel insurance do I need for Europe?

What countries does europe travel insurance cover.

• The first step before you travel to any Schengen country is to determine whether you need a visa and, therefore, mandatory travel medical insurance for a Schengen visa.
• Check with your country’s embassy, Department of Foreign Affairs or the tourism website of the country you plan to visit for specifics about medical travel insurance for Schengen visa requirements.
• You don’t need a visa or international travel insurance if you have a valid U.S. passport and are visiting the Schengen zone for less than 90 days in a 180-day period.
• If you’re a U.S. national planning to visit the Schengen Area for more than 90 days, you must apply for a visa and secure adequate travel health insurance (at least €30,000 in travel medical and repatriation coverage).

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

I'm a financial planner, and I'd recommend annual travel insurance to anyone who loves to travel abroad

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Frequent and spontaneous travelers will likely benefit from annual travel insurance policies.
• Your credit card may come with some travel protections, but it may not be enough.
• When choosing a policy, look at what it covers, not just what's cheapest.

Summer is just a few months away — and if you're planning a vacation this year, the last thing you want is an unexpected event to derail your plans (and cost you hundreds).

Flights get delayed or canceled constantly. Luggage disappears into the ether. Medical emergencies occur in remote destinations. Yet many jetsetters simply cross their fingers and hope for the best rather than prepare for the worst.

That's why, as a financial planner, I believe it's crucial to consider protecting your trips with the right insurance coverage. One option often overlooked, particularly by frequent travelers, is annual travel insurance .

Annual travel insurance covers all your trips within 365 days. Unlike stand-alone travel insurance, which only covers you for a specific trip, an annual policy covers any trips you take within the year.

That's why I tell clients who travel frequently that an annual policy is a good choice for their needs. By opting for an annual plan, you don't have to go through the hassle of booking multiple policies and potentially save money compared to purchasing individual trip coverage. Here's how it works.

What to look for in a policy

While specifics may vary depending on the insurer and plan tier, most include the following key benefits:

• Trip cancellations or interruptions: You may be able to get reimbursed for expenses (even nonrefundable ones!) related to an illness, injury, or natural disaster that forced you to cancel or cut your trip short.
• Emergency medical and dental care: If you fall ill or get injured while traveling, your insurance can help cover the cost of medical treatment.
• Emergency evacuation: In a serious medical emergency or security situation, your policy will arrange and pay for transportation to a hospital or back to your home country.
• Lost, delayed, or damaged baggage: If your luggage is lost, delayed, or damaged during your trip, you can get financial coverage for essential items while you wait for your stuff to be recovered or replaced.
• Trip delays and missed connections: When your travel plans are disrupted due to issues like mechanical problems or severe weather, you may get reimbursement for additional expenses incurred, like meals, lodging, and transportation.

It's important to note that annual travel insurance plans have limitations. Certain high-risk activities, pre-existing medical conditions, and travel to specific regions may be restricted or require additional coverage.

Some travelers may assume that their credit card's built-in travel protections are enough. While many travel rewards credit cards offer perks like rental car insurance, trip cancellation, and baggage reimbursement, the coverage limits are often much lower than a dedicated annual travel insurance plan.

Credit card coverage for emergency medical care is also particularly limited — capped at a few thousand dollars — which may not be enough in the face of a major international medical emergency.

How much travel justifies an annual plan?

For the occasional traveler who takes one or two trips a year, single-trip policies will probably work for you. But if you fall into any of these buckets, you may want to consider an annual policy:

• Regular international travelers (three or more trips abroad yearly)
• Road warriors frequently away for work
• Adventurers engaging in high-risk activities like heli-skiing, scuba diving, or mountain climbing
• Cruisers and tour group travelers
• Students or retirees taking extended trips throughout the year
• Those visiting developing countries with limited medical care

Annual plans cover all of your trips within a 365-day period after purchasing. They're basically a bundle of multiple policies into one package deal. This means you only have to buy one policy to manage, locking in your coverage for the year.

How to decide if an annual policy makes sense for you

Start by reviewing your travel plans this year — and your risk tolerance. Calculate how much buying individual travel insurance policies would cost you over the next year and compare it to the price of an annual plan.

Don't just focus on the premium — carefully evaluate coverage limits, exclusions, and deductibles to ensure you have enough protection for your needs.

An annual policy gives you the flexibility to take spontaneous trips without the hassle of obtaining last-minute insurance. More importantly, it provides peace of mind, knowing that you're covered for a wide range of travel disruptions and emergencies.

As the busy summer travel season ramps up, definitely explore protecting your trips with insurance, especially if you're jetting off internationally. Spending hours on the phone trying to rebook canceled flights or worrying about affording an overseas medical emergency is no way to vacation.

• Main content

Well, that was fun! So when is the next total solar eclipse supposed to happen?

After months of planning and excitement, it's finally over. The solar eclipse has come and gone throughout most of the United States.

While Florida was not in the path of totality for the 2024 total solar eclipse, residents throughout the state were able to witness a partial eclipse. And now we're eager to see it again .

We're in luck — almost all of Florida will be in the path of totality for a  total solar eclipse coming  later this century. What's the catch? It won't be for another 20 years.

When is the next total eclipse in U.S. after 2024?

Mark your calendars for March 30, 2033! Though you might want set aside time to travel.

According to NASA, the next total solar eclipse will occur in Russia and the U.S., with  Alaska the only state in the path of totality. The maximum duration of totality for this eclipse will be 2 minutes and 37 seconds.

If that does not end up fitting into your schedule (or you want something a bit closer), you're in luck! Eleven years later, there will be one on Aug. 23, 2044 . However, the only states in the path of totality will be Montana, North Dakota, and South Dakota.

When will Florida be in path of totality for a total solar eclipse?

Florida will finally get its day in the sun. Metaphorically, not literally.

On Aug. 12, 2045, a total solar eclipse will be visible over almost all of Florida, according to  NationalEclipse.com.

Will the 2045 solar eclipse also be visible in other states?

Yes. The eclipse will cover not only the U.S., but also the Caribbean and South America, according to  NationalEclipse.com. States in the path of totality include not only Florida but also:

• Mississippi

What states will see a partial eclipse in 2045?

A partial solar eclipse will be visible in: Alaska, Arizona, Connecticut, Delaware, Hawaii, Iowa, Idaho, Illinois, Indiana, Kentucky, Massachusetts, Maryland, Maine, Michigan, Minnesota, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New York, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Virginia, Vermont, Washington, Wisconsin, West Virginia, and Wyoming.

Path of totality of 2045 solar eclipse also covers parts of the Caribbean and South America

Want to make plans to watch the eclipse in an even more tropical location? You've got time.

The path of totality also includes:

• In the Caribbean, the path of totality will cross over the Bahamas, the Turks and Caicos, Haiti, the Dominican Republic, and Trinidad and Tobago.
• In South America, the path of totality will cross over Venezuela, Guyana, Suriname, French Guiana, and Brazil, according to  NationalEclipse

See  path of eclipse across the globe  as provided by timeanddate.com.

How long will the 2045 solar eclipse last?

The  maximum duration of totality for this eclipse will be 6 minutes and 6 seconds , according to NationalEclipse.com.

Here's how the total solar eclipse will look from your location in 2045

Want to see what the 2045 total solar eclipse will look like, and when it'll happen where you live?  See an animation  provided by  timeanddate.com .

What other solar eclipses will take place after 2024?

there are several other total solar eclipses scattered between April 8, 2024 and Aug. 12, 2045. However, the 2045 solar eclipse will be the next one visible across most of the contiguous United States, according to  NationalEclipse .com.

Only three states are in the path of totality for a solar eclipse in 2044. See upcoming total solar eclipses and where they'll be visible:

• April 8, 2024: U.S., Mexico, Canada
• Aug. 12, 2026: Russia, Greenland, Europe
• Aug. 2, 2027: Africa, Europe, Middle East
• July 22, 2028: Australia, New Zealand
• Nov. 25, 2030: Africa, Australia
• Mar. 30, 2033 : U.S., Russia. The  path of totality passes over Alaska .
• Mar. 20, 2034: Africa, Middle East, Asia
• Sept. 2, 2035: Asia
• July 13, 2037: Australia, New Zealand
• Dec. 26, 2038: Australia, New Zealand
• Dec. 15, 2039: Antarctica
• April 30, 2041: Africa
• April 20, 2042: Asia
• April 9, 2043: Russia
• Aug. 23, 2044: U.S., Greenland, Canada. The  path of totality only includes Montana, North Dakota, and South Dakota.  Twenty-one states, not including Florida, will see a partial eclipse.
• Aug. 12, 2045: U.S. Caribbean, South America

Watch CBS News

Solar eclipse maps show 2024 totality path, peak times and how much of the eclipse people could see across the U.S.

By Aliza Chasan

Updated on: April 9, 2024 / 5:00 AM EDT / CBS News

A total solar eclipse  crossed North America Monday with parts of 15 U.S. states within the path of totality. Maps show  where and when astronomy fans could see the big event  as skies darkened in the middle of the day Monday, April 8.

The total eclipse first appeared along Mexico's Pacific Coast at around 11:07 a.m. PDT, then traveled across a swath of the U.S., from Texas to Maine, and into Canada.

About 31.6 million people live in the path of totality , the area where the moon fully blocked out the sun , according to NASA. The path ranged between 108 and 122 miles wide. An additional 150 million people live within 200 miles of the path of totality.

Solar eclipse path of totality map for 2024

The total solar eclipse started over the Pacific Ocean, and the first location in continental North America that experienced totality was Mexico's Pacific Coast, around 11:07 a.m. PDT, according to NASA. From there, the path continued into Texas, crossing more than a dozen states before the eclipse enters Canada in southern Ontario. The eclipse exited continental North America at around 5:16 p.m. NDT from Newfoundland, Canada.

The path of totality included portions of the following states:

• Pennsylvania
• New Hampshire

Small parts of Tennessee and Michigan also experienced the total solar eclipse.

Several major cities across the U.S. were included in the eclipse's path of totality, while many others saw a partial eclipse. These were some of the best major cities for eclipse viewing — though the weather was a factor :

• San Antonio, Texas (partially under the path)
• Austin, Texas
• Waco, Texas
• Dallas, Texas
• Little Rock, Arkansas
• Indianapolis, Indiana
• Dayton, Ohio
• Cleveland, Ohio
• Buffalo, New York
• Rochester, New York
• Syracuse, New York
• Burlington, Vermont

Map of when the solar eclipse reached totality across its path

The eclipse began in the U.S. as a partial eclipse beginning at 12:06 p.m. CDT near Eagle Pass, Texas, before progressing to totality by about 1:27 p.m. CDT and then moving along its path to the northeast over the following few hours.

NASA shared times for several cities in the path of totality across the U.S. People could have also  checked their ZIP code on NASA's map  to see when the eclipse was to reach them if they were on, or near, the path of totality — or if they saw a partial eclipse instead.

How much of the eclipse did people see if they live outside the totality path?

While the April 8 eclipse covered a wide swath of the U.S., outside the path of totality observers may have spotted a partial eclipse, where the moon covers some, but not all, of the sun, according to NASA. The closer they were to the path of totality, the larger the portion of the sun that was hidden.

NASA allowed viewers to input a ZIP code and see how much of the sun was to be covered in their locations.

Could there be cloud cover be during the solar eclipse?

Some areas along the path of totality had a higher likelihood of cloud cover that could interfere with viewing the eclipse. Here is a map showing the historical trends in cloud cover this time of year. 

You could have checked the latest forecast for your location with our partners at The Weather Channel .

Where did the solar eclipse reach totality for the longest?

Eclipse viewers near Torreón, Mexico, got to experience totality for the longest. Totality there lasted 4 minutes, 28 seconds, according to NASA. 

Most places along the centerline of the path of totality saw a totality duration of between 3.5 and 4 minutes, according to NASA. Some places in the U.S. came close to the maximum; Kerrville, Texas, had a totality duration of 4 minutes, 24 seconds.

What is the path of totality for the 2044 solar eclipse?

The next total solar eclipse that will be visible from the contiguous U.S. will be on Aug. 23, 2044.

Astronomy fans in the U.S. will have far fewer opportunities to see the 2044 eclipse they had on April 8. NASA has not yet made maps available for the 2044 eclipse but, according to The Planetary Society , the path of totality will only touch three states.

The 2024 eclipse will start in Greenland, pass over Canada and end as the sun sets in Montana, North Dakota and South Dakota, according to the Planetary Society.

Aliza Chasan is a digital producer at 60 Minutes and CBSNews.com. She has previously written for outlets including PIX11 News, The New York Daily News, Inside Edition and DNAinfo. Aliza covers trending news, often focusing on crime and politics.

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