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Get The Best Travel Insurance For Your Trip To Europe

Quote, Compare & Buy Top Plans For People Visiting Europe From The United States

 
From flights, cruises, trip cancellations, and delays to medical emergencies and evacuation, we’ve got your trip covered.
 

Protecting global cruisers since 2006 

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Top 6 Reasons U.S. Travelers Need Insurance in Europe

Don’t let these common risks derail your dream trip to Europe. Protect yourself in minutes and travel with total peace of mind.

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Pickpocketing & Theft Are Common

From bustling Paris metros to crowded plazas in Rome, theft is a daily reality. If your wallet, phone, or passport gets stolen, insurance helps cover replacements & expenses.

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Medical Emergencies & Evacuations Aren’t Covered

Food poisoning in Madrid or an emergency airlift from the Alps can be outrageously expensive. Get coverage for what U.S. health plans don’t cover in Europe.

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Trip Cancellations, Delays & Missed Connection

Got sick before your trip? Missed a connection due to delays? Family emergency back home? Travel insurance helps cover nonrefundable costs & rebooking fees.

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Lost or Delayed Luggage Can Be Frustrating

Imagine being without clothes & items you packed — stressful, right? Travel insurance reimburses you quickly so you can replace what you need & keep going.

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Travelers’ Rental Cars Are a Target

Accidents, theft, and vandalism happen more often to visitors. Insurance covers damages so you can enjoy your trip worry-free.

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Adventure & Sightseeing Risks

Many travelers bike, ski, hike, or ride Vespas in Europe. Accidents can happen, and medical bills add up fast — insurance keeps you covered.

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What Does Travel insurance to Europe Cover?

Trip Cancellation

Covers non-refundable expenses if you cancel for covered reasons like illness, injury, or death. Does not cover voluntary cancellations unless Cancel For Any Reason (CFAR) is added.

Trip Delay

Covers meals, lodging, and necessities during long delays not covered by the airline.

Missed Flight Connections

Reimburses costs if you miss a connection due to delays, severe weather, strikes, natural disasters, or other covered events.

Emergency Medical Evacuation

Pays for transportation to the nearest medical facility if local treatment is unavailable for severe or life-threatening conditions.

Accident & Sickness

Covers emergency medical treatment abroad for new injuries or illnesses. Not a replacement for domestic health insurance.

Prepaid/Non-Refundable Costs

Protects investments in flights, hotels, tours, and other non-refundable travel expenses.

Optional Add-On Benefits

Enhance your coverage with optional add-ons available during the checkout process:

  • Cancel For Any Reason (CFAR): Reimburses up to 75% of prepaid, non-refundable trip costs if you cancel for any reason not covered by the policy.
  • Trip Interruption For Any Reason (IFAR): Reimburses up to 75% of prepaid, non-refundable trip costs if you interrupt your trip for any reason not covered by the policy.
  • Rental Car Damage & Theft Coverage: Covers damage or theft of a rental car during your trip.
  • Adventure Sports Coverage: Provides coverage for injuries sustained during certain adventure sports activities
  • Telehealth Services: Provides access to medical consultations via phone or video during your trip.
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Top Europe Travel Insurance Plans

Quickly compare plan top benefits below to find the plan that best fits your European vacation. These plans may cover trip cancellations, missed connections, medical emergencies aboard, and delayed or lost luggage.

Top Benefits
Trip Cancellation
Trip Interruption
Trip Delay
Missed Connection
Emergency Medical Evacuation & Repatriation
Cancel For Any Reason (CFAR)
Accident & Sickness Medical Expense
Baggage & Personal Effects
Baggage Delay
FlexiPax
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Up to 100%
Up to 150%
Up to $1,000, 150 per day, after 6 hours
Up to $500 Tour or Cruise Connection
Up to $500,000
Optional Cancel & Interrupt for Any Reason Bundle: Each Up to 75%
Up to $100,000
Up to $1,000
Up to $300
Atlas Journey Preferred
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Up to 100%
Up to 150%
Up to $150 per day, $2,000 maximum
Up to $1,500
Up to $1,000,000
Optional Add-on
Up to $100,000
Up to $1,500, $500 per item
Up to $300
Trip Protection Basic
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Up to 100%
Up to 100%
Up to $200 per day, $600 maximum
Up to $500
Up to $250,000
Optional Add-on
Up to $100,000
Up to $500, $250 per item
$100 per day up to $500 (6 hours)

Save Money on Unexpected Travel Events to Europe*

For just 4–10% of your trip cost, travel insurance can save you hundreds or even thousands if unexpected events ruin your plans. Join thousands of Europe travelers who have saved money with travel insurance. 

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Why Choose VisitorsCoverage for Travel Insurance?

At VisitorsCoverage, we go beyond just selling travel insurance — we empower travelers with choice, clarity, and support.

Here’s why thousands trust us over other providers.

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U.S.-Based, In-House Customer Support

We’re proud to have a dedicated, in-house support team based in the U.S.

  • Speak with real, English-speaking agents during U.S. business hours
  • Get help fast — no overseas call centers or time zone delays
  • Smoother claims assistance and clearer communication

One Platform, Multiple Insurers

As a travel insurance marketplace, we give you access to a wide range of top-rated insurance providers, all in one place.

  • Compare coverage, benefits, and prices side-by-side
  • Save time — no need to contact insurers individually

User-Friendly Experience

Recognized as an InsurTech100 company and a Magellan Award winner for innovation in travel insurance technology. Our platform is designed for ease:

  • Instant quotes — no need to input personal info upfront
  • Simple plan breakdowns without confusing jargon
  • Fast, secure online purchase process

Lowest Price Guarantee
We are proud to offer the lowest price guarantee for the same plan elsewhere. Since insurance prices are regulated, you can be confident that when you book through VisitorsCoverage, you're getting the best possible deal — no hidden fees or inflated prices.

Our Happy Customer Experiences Say It All

How to Buy Travel Insurance 

1. Get a Quote
Enter your trip details (dates, destination, traveler info). Compare plan options and coverage levels.
3.  Choose a Plan
Pick the plan that fits your needs and budget. Review coverage, limits, and exclusions carefully.
3. Purchase Your Policy
Fill in traveler and payment information. Confirm your purchase.

As Seen In:

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After Buying Travel Insurance

1. Get Your Policy
Documents arrive by email and are always available in your account.
2. Know & Use Your Coverage
Check benefits and emergency contacts, and call the 24/7 assistance line if needed.
3. Claims & Support
Submit receipts online or by phone for reimbursement. U.S.-based support is ready for any questions before, during, or after your trip.

As Seen In:

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How to Get Covered and What are the next steps?

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How to Buy Travel Insurance 
  1. Get a Quote
    Enter your trip details (dates, destination, traveler info). Compare plan options and coverage levels.
  2. Choose a Plan
    Pick the plan that fits your needs and budget. Review coverage, limits, and exclusions carefully.
  3. Purchase Your Policy
    Fill in traveler and payment information. Confirm your purchase.
Using-travel-insurance

After Buying Travel Insurance
  1. Get Your Policy
    Documents arrive by email and are always available in your account.
  2. Know & Use Your Coverage
    Check benefits and emergency contacts, and call the 24/7 assistance line if needed.
  3. Claims & Support
    Submit receipts online or by phone for reimbursement. U.S.-based support is ready for any questions before, during, or after your trip.

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Travel Insurance to Europe FAQs

Everything you need to know before you travel to Europe

How do I get covered?

Get a Quote

  • Enter your trip details (dates, destination, traveler info).
  • Compare plan options and coverage levels.

Choose a Plan

  • Pick the plan that fits your needs and budget.
  • Review coverage, limits, and exclusions carefully.

Purchase Your Policy

  • Fill in traveler and payment information. Confirm your purchase.
What does travel insurance for Europe usually cover?

Travel insurance typically includes:

  • Medical emergencies (doctor visits, hospitalization, ambulance)
  • Trip cancellation or interruption
  • Lost, stolen, or delayed baggage
  • Trip delays
  • Emergency medical evacuation

Optional add-ons may include coverage for adventure sports, rental car protection, or Cancel For Any Reason (CFAR).

When should I buy travel insurance?

Ideally, right after booking your trip, especially if you want trip cancellation protection.

Buying early also protects you against unexpected events before departure.

What happens after buying travel insurance?

Get Your Policy

  • Documents arrive by email and are always available in your account.

Know & Use Your Coverage

  • Check benefits and emergency contacts, and call +1 (866) 384-9104 7:00AM - 5:00PM PT (Mon-Fri) if needed.

Claims & Support

  • Submit receipts online or by phone for reimbursement.
  • English-speaking agents are ready for any questions before, during, or after your trip.

Can one travel insurance plan cover multiple European countries?
Yes. Many plans cover all Schengen countries or even all of Europe. However, some plans exclude certain countries, so always check the exclusion list in your policy.
Does travel insurance cover pre-existing conditions?

Some plans do, but:

  • Coverage may be limited
  • May require a medical questionnaire
  • Often subject to time-sensitive purchase requirements

Always review your policy details to ensure you're covered.

I have credit cards and health insurance. Why should I get additional travel insurance?

While some credit cards and health insurance plans offer limited coverage, they may:

  • Exclude international medical care
  • Not cover trip interruptions, evacuations, or baggage loss
  • Require you to pay upfront and get reimbursed

Dedicated travel insurance is designed specifically for international travel risks and provides comprehensive protection.

How easy is it to file a claim, buy, or cancel travel insurance?
  • Buying is quick and can be done online after booking.
  • Claims can be filed online or by phone, with guidance from VisitorsCoverage.
  • Most plans come with a Free Look Period (10–14 days) where you can cancel for a full refund (as long as no claim is filed and the trip hasn’t started).
How much medical coverage do I need?

Experts typically recommend $100,000–$250,000 in medical coverage. Some plans go up to $500,000 or more for added peace of mind.

How much does travel insurance for Europe cost?

Many travel insurance plans for Europe are considered affordable, with some plans costing as low as $1/day!

On average, travel insurance costs between 4–10% of your total trip cost, depending on:

  • Trip duration
  • Traveler’s age
  • Coverage limits
  • Plan type

How do I know which plan is right for me?

When choosing a plan, consider:

  • Trip length and destination(s)
  • Your planned activities (e.g., adventure sports)
  • Desired medical coverage limits
  • Optional features like CFAR

Need assistance finding the right plan or have additional questions? Contact our U.S.-based English speaking Customer Support team for personalized guidance: 

Call: +1 (866) 384-9104

Email: support@visitorscoverage.com

What if I cancel my trip just because I choose not to go?

 

  • Standard travel insurance does not cover cancellations for personal choice. If you simply decide not to travel, you would not be reimbursed.

  • However, some plans offer Cancel-for-Any-Reason (CFAR) coverage, which allows you to cancel for any reason—even personal preference—and get a partial refund (usually 50–75% of non-refundable trip costs).

  • CFAR must be purchased soon after booking your trip (usually within 10–21 days) and adds to the cost of your plan.

Disclaimer: Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage  and Plan Contract (Policy) for a detailed description of Coverage  Benefits, Limitations and Exclusions. Must read the Policy Brochure and  Plan Details for complete and accurate details. Only the Terms and  Conditions of Coverage Benefits listed in the policy are binding. 

*Pricing may vary depending on a variety of factors such as number of travelers, age, duration, and more. Pricing and plan features listed here are high level, provided for your convenience and information purpose only. Please review the plan documents for a detailed description of Coverage Benefits, Limitations and Exclusions.

*For privacy purposes, all specific names and identifying details for claims scenarios have been replaced with generic placeholders to ensure confidentiality.