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How to get the best European travel insurance in 2024?

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Faye
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 Coverage
$ 150,000
 Franchise
$ 0
 Emergency Medical Care
Up to $ 5,000,000
 Baggage
Up to $ 1,000
✅ Interesting formulas for trips lasting up to one month
✅ Important coverage
✅ Adapted to your basic needs
Seven Corners
CUSTOM JAVASCRIPT / HTML
 Coverage
$ 150,000
 Franchise
$ 0
 Emergency Medical Care
Up to $ 5,000,000
 Baggage
Up to $ 1,000
✅ Interesting formulas for trips lasting up to one month
✅ Important coverage
✅ Adapted to your basic needs
CUSTOM JAVASCRIPT / HTML

About DareTheOdds

Dare The Odds, the ultimate travel insurance company, offers custom-made solutions for every traveler. With us, you're covered no matter where your adventures take you. Travel with confidence and embrace the unknown, experiencing worry-free exploration like never before. Whether you're an adrenaline junkie or a relaxation seeker, Dare The Odds has you covered. Say goodbye to generic travel insurance and embrace adventure with us.
Whether you're embarking on a river cruise, a bike trip, or any other form of travel, venturing to Europe remains a coveted dream for many Canadians. However, amidst the thrill of discovering new cultures and landscapes, it's paramount to prioritize safety and readiness throughout your journey.

Securing reliable European travel insurance serves as a crucial safety measure, offering assurance and financial security against unexpected occurrences while abroad.

Curious about how European travel insurance operates? Wondering about coverage, advantages, drawbacks, and the process of obtaining it? Look no further than our comprehensive guide for all the answers.

5 Key Takeaways on European Travel Insurance

  • European travel insurance acts as a crucial safety net for costly emergencies abroad, covering medical expenses, trip interruptions, baggage loss, and more.
  • To find affordable European travel insurance, it's essential to conduct thorough research and compare quotes from various providers.
  • ​Individuals over 70 may encounter limitations when seeking coverage, highlighting the importance of understanding age-related restrictions.
  • ​Coverage and premium rates for European travel insurance vary significantly based on individual circumstances, emphasizing the need for personalized consideration.
  • ​Prioritizing the acquisition of European travel insurance ensures peace of mind and financial protection during international journeys, enhancing overall travel experiences.
Can you obtain affordable European travel insurance?

European travel insurance typically offers single-trip or annual multi-trip policies, covering multiple journeys within a set timeframe. However, premiums can be high. To secure inexpensive European travel insurance, you'll need to research and compare offerings from various providers.

Though travel insurance costs hinge on factors like age, trip length, destination, and coverage, here are tips to find budget-friendly options and trim expenses:
  • European travel insurance acts as a crucial safety net for costly emergencies abroad, covering medical expenses, trip interruptions, baggage loss, and more.
  • ​Opt for basic or essential travel insurance plans that cover essential needs such as medical emergencies and trip cancellations.
  • ​Consider choosing a policy with a higher deductible (the amount you agree to pay before the insurance coverage kicks in). 
  • ​If you are only planning one trip to Europe, opt for a single-trip policy instead of an annual multi-trip policy. 
  • ​Look for options that cater to your specific age range to potentially find more affordable rates.
  • ​Review the optional add-ons or extra benefits offered by the insurance companies and exclude any that you don't need.
  • ​Consider using travel insurance aggregators or specialized travel insurance websites that may offer exclusive deals.
  • ​If you're travelling with family or friends, inquire about group travel insurance policies.
  • ​Buy your travel insurance early, as some insurers may offer lower rates for policies purchased well in advance of the trip

What is the best European travel insurance?

To find the best medical insurance for European travels, the best practice is to compare offers online and request several quotes. That being said, here are a few travel insurance companies known for their qualitative European plans:
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AXA European Travel Insurance: Outstanding Customer Support

AXA Travel Insurance is renowned for its diverse coverage options and exceptional customer service. As one of the world's leading travel insurance providers, AXA consistently earns praise for its customer-centric approach.

AXA offers comprehensive coverage and top-notch customer support tailored to the unique needs of European travelers. Whether you're exploring Europe's iconic cities or venturing off the beaten path, AXA's policies provide the necessary protection and assistance for a worry-free journey.

World Nomads: Adventure-Ready Travel Insurance

Specializing in comprehensive coverage for adventure travelers, World Nomads is the go-to choice for those engaging in hiking, biking, skiing, and other high-risk activities. With a focus on adrenaline-pumping pursuits, World Nomads ensures travelers can explore Europe's rugged landscapes with confidence, backed by reliable coverage in case of emergencies.

World Nomads: Adventure-Ready Travel Insurance

A subsidiary of the global giant Allianz Group, Allianz Travel Insurance offers a wide range of coverage options with a stellar reputation for customer service. Whether embarking on a solo backpacking adventure, a family vacation, or a business trip, Allianz's customizable policies provide tailored protection for every traveler's specific needs.

Desjardins: Affordable and Reliable European Travel Insurance

Desjardins Travel Insurance, a trusted Canadian insurer, offers affordable and dependable coverage for both domestic and international travel. Ideal for Canadian travelers seeking reliable protection without breaking the bank, Desjardins' policies can be customized with various coverage levels and add-ons for a worry-free European exploration.

European Travel Insurance for Individuals Over 70: Challenges and Solutions

Securing travel insurance for individuals over 70 can be more challenging due to potential medical issues. While some providers may impose age restrictions or offer limited coverage, specialized insurers catering to older travelers can offer tailored policies to meet seniors' needs effectively.

What does European travel insurance cover?

Whether it's a short vacation or an extended stay, having travel insurance can provide peace of mind and financial protection while exploring the diverse and beautiful destinations in Europe. Here are some key features and benefits of European travel insurance:

Medical coverage: This includes expenses related to medical treatment, hospitalization and emergency medical evacuation in the event of illness or injury during the trip. Some European health travel insurance may cover Covid-related expenses, some others may not. Be sure to check their offer thoroughly.

Trip cancellation/interruption: If your travel plans need to be cancelled or cut short due to unforeseen reasons such as illness, family emergencies or certain unexpected events, this coverage can reimburse you for non-refundable expenses.

Baggage and personal belongings: It provides coverage for lost, stolen or damaged luggage and personal items while travelling.

Travel delay: If your travel is delayed for reasons beyond your control (e.g., flight cancellations, severe weather), this coverage can help cover additional expenses incurred during the delay, such as accommodation and meals.

Personal liability: This coverage protects you if you accidentally cause injury to someone else or damage their property during your trip.

Legal assistance: Offers access to legal advice and assistance if you encounter legal issues while travelling in Europe.

24/7 emergency assistance: Many travel insurance policies provide a helpline that you can call for immediate assistance in case of emergencies during your trip.

Some European travel insurances might provide car coverage in case of emergency, although we do recommend to buy insurance with the rental company. Also, some credit cards offer travel insurance as a perk when you use them to book your trip. Check if your credit card provides any coverage and understand the terms and limitations.
Wondering how much can European travel insurance cost? Well, the cost of European travel insurance can vary widely depending on several factors, including:
  • Your age
  • ​Duration of the trip: you won't pay the same premium whether you go on a 3-day trip or a 2-week-trip
  • ​Destination countries
  • ​Level of coverage (basic, mid-range, comprehensive)
  • ​Pre-existing medical conditions (if any)
  • ​Optional add-ons or upgrades
  • ​Deductible amount (if applicable)
  • ​The insurance provider's pricing structure and policies
On average, a basic policy for a week-long trip to Europe can cost anywhere from $20 to $55, whereas a more comprehensive policy may cost up to $106 per person.

Which countries are covered by European travel insurance?

European travel insurance is a type of insurance coverage designed specifically for individuals travelling to countries within the European continent (not solely travels within the European Union). It provides various benefits and protections to travellers during their trip, offering financial assistance and support in case of unexpected events or emergencies. European travel insurance is typically purchased before the trip begins and can cover a wide range of travel-related risks.

The countries covered by European travel insurance can vary depending on the insurance provider and the specific policy you purchase. However, in general, European travel insurance typically covers a wide range of countries within the European continent. These countries may include:
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Countries covered by European travel insurance

Which countries are covered by European travel insurance?

When choosing a European travel insurance provider, it is important to compare policies and coverage options to find the best plan for your needs. Some factors to consider include the following:
  • The type of coverage you need: This includes medical expenses, trip cancellation/interruption and lost luggage.
  • ​The level of coverage you want: You can choose from basic to comprehensive coverage.
  • ​The price of the policy: Travel insurance can range in price from a few dollars to several hundred dollars, depending on the coverage you choose.
  • ​The reputation of the insurance company: Make sure to choose a company with a good reputation and track record.
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