Best travel insurance for Europe
Travel insurance for US citizens visiting Europe
When it comes to international travel, there are more places to visit than ever before! Europe however remains one of the favorite destinations for Americans. Many Americans have their roots in Europe, and would like to visit the land of their ancestors. Europe remains a hot destination for several different reasons such as it history, culture, diverse culinary choices, wine, beaches to name a few. This range of options attracts tourists with eclectic tastes.
For Europe, US travelers make up 5% of the international tourist arrivals. In 2015 alone, 1 in 4 of US travelers were recorded in Europe and this number continues to grow. Improving economic conditions and favorable exchange rates on key currencies such as Euro and Pound is attracting more Americans to Europe and making the region even more appealing and affordable option to US travelers. Current estimates show that total percent of US visitors increased by 11% in 2015 from the past and is expected to further increase by 2020. Many regions of Europe appeal to US travelers, with the regions of Southern and Western Mediterranean benefiting the most. Traditional destinations like the UK, France, Italy and Spain remain very popular. However new destinations in eastern Europe like Czech republic, Slovakia, Croatia, Romania are increasing becoming popular.
US citizens do not need to apply for a Schengen visa for a short visit, but do need to get a visa for long stays in Europe. US travellers must be aware that their domestic US insurance provides little or no health insurance coverage outside the US borders, this is true of Medicare as well. To make the European holiday experience memorable it is very important that you plan your trip well as far as visitor health insurance is concerned. You need to purchase Long term Europe travel health insurance to make sure you are covered for any unexpected illness or injury in a totally new place which puts your mind at ease during your travel. The insurance resources section provides information about the important insurance features and helps you make an informed decision.
American Visitor Insurance has several plans suitable for international travel outside the US. Please visit Schengen Visa Insurance for US citizens travelling to Europe to see the plan information. Here you can find the plans that are most suitable for international travel outside US. Click on the plan to view the details and you can view the plan benefits in the brochure of the plan.
Do US citizens need visa for Europe?
US citizens with valid passports traveling for tourism or business can enter Europe without a visa for a period of 90 days within each six-month period. Entry into Europe for short-term tourism (90 days) or business requires that your passport be valid for at least three months beyond your intended date of departure from the Schengen Area. If your passport does not meet the Schengen requirements, you may be refused boarding by the airline at your point of origin or while transferring planes.
As a U.S. citizen, how long can I stay in the Schengen area without a visa?
With a valid U.S. passport, you can stay up to 90 days for tourism or business during any 180-day period. You must wait an additional 90 days before applying to re-enter the Schengen area. To stay longer than 90 days, you must have a visa. Apply for a visa through the embassy of the country where you will spend most of your time.
Do US citizens need travel insurance for Europe?
Europe travel insurance for US citizens is mandatory if you need a Schengen visa and must meet specific coverage criteria. If you do not need a visa then travel insurance is optional yet it is still highly recommended due to potential high medical costs for foreigners.
How much does the best travel insurance cost in 2025?
The American travel insurance cost per month can vary depending on several factors like the age, trip duration, the coverage maximum, and any additional add-ons or options you select. On average, travel insurance costs for a US citizens can range from $50 to $200 for a week-long trip, which is between 5% to 8% of the trip cost. It is recommended to compare US citizens travel insurance quotes from different insurance providers on American Visitor Insurance.
Trip cancellation insurance
The travel insurance cost is based on the age, trip length and the trip cost. There are cheap trip insurance plans starting at $24 for a 15 day trip with a $1,000 trip cost. This table gives the average trip cancellation insurance cost for different ages. Approximate cost of Trip insurance plans is for a 40-year-old traveler, 15 days trip length and $1,000 trip cost.
| Plan Name | Trip cancellation | Age 20 | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Safe Travels Protect | 100% of Trip Cost (Up to a Max. of $14,000) | $24 | $32 | $39 | $74 |
| Pathway Essential | 100% of Trip Cost (Up to a Max. of $14,000) | $24 | $33 | $53 | $76 |
| Pathway Plus | 100% of Trip Cost (Up to a Max. of $50,000) | $32 | $43 | $70 | $98 |
| Trip Protection Basic | 100% of your nonrefundable Trip Cost up to $30,000 | $34 | $47 | $70 | $70 |
| Itravelinsured Choice | 100% of Trip Cost | $39 | $50 | $73 | $110 |
| Travel Insurance Select Basic | 100% of Trip Cost | $42 | $42 | $87 | $102 |
| Safe Travels Armor | 100% of Trip Cost (Up to a Max. of $100,000) | $43 | $55 | $67 | $124 |
| Pathway Premium | 100% of Trip Cost (Up to a Max. of $100,000) | $43 | $56 | $90 | $126 |
| Trip Protector Economy | 100% of Trip Cost(Up to a Max. of $5,000) | $47 | $55 | $71 | $75 |
| Safe Travels Voyager | 100% of Trip Cost (Up to a Max. of $100,000) | $62 | $76 | $102 | $189 |
| Trip Protection Choice | 100% of your nonrefundable Trip Cost up to $100,000 | $65 | $87 | $118 | $118 |
| Itravelinsured LX | 100% of Trip Cost | $102 | $114 | $138 | $171 |
Best Trip Cancellation Insurance
Review trip cancellation coverage benefits
Travel Medical Insurance
Travel insurance for travel outside the US starts as low as $20 for a month. Travel insurance provides coverage for doctor visits and emergency hospital stays while ensuring access to necessary care and financial protection against high medical costs abroad. This table gives the average travel health insurance cost for different ages.
The average cost based on the quotes for one month| Plan Name | Maximum Coverage | Deductible | Age 20 | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|---|
| Atlas Essential International Insurance | $50,000 | $250 | $20 | $40 | $86 | $263 |
| Safe Travels Outbound Insurance | $50,000 | $250 | $26 | $77 | $168 | $296 |
| Atlas International Insurance | $50,000 | $250 | $27 | $54 | $117 | $212 |
| VisitorSecure Insurance | $50,000 | $100 | $29 | $34 | $55 | $96 |
| Travel Medical Outbound USA Basic | $50,000 | $0 | $29 | $55 | $121 | $269 |
| Patriot International Lite Insurance | $50,000 | $250 | $29 | $55 | $121 | $214 |
| Voyager Essential Insurance | $50,000 | $250 | $32 | $58 | $116 | $271 |
| Diplomat International Insurance | $50,000 | $250 | $32 | $86 | $181 | $315 |
| Intermedical Insurance | $50,000 | $250 | $48 | $73 | $121 | $201 |
Source: American Visitor Insurance®
Travel medical insurance for US citizens traveling abroad
Review travel medical insurance coverage benefits
How to reduce the trip cancellation insurance cost?
Trip cancellation insurance is expensive as it covers high-value, unpredictable risks that can result in large financial losses for vacationers. Trip cancellation insurance covers flights, hotels, cruises, and tours bookings and reservations, which can be thousands of dollars. It covers a wide range of cancellation reasons like Illness, death in the family, natural disasters, and job loss. Some Cancel for Any Reason - CFAR travel insurance allow cancellation for any reason, often reimbursing 50-75% of trip costs. The more expensive your trip, the higher the insurance cost. Older travelers pay more because they have a higher chance of medical emergencies leading to trip cancellations.
However you can lower the cost of travel insurance without compromising essential coverage by choosing only medical coverage by entering the trip cost as $0 if you don’t need trip cancellation coverage. A travel medical plan is cheaper than comprehensive coverage and most of them offer coverage for emergency medical evacuation. You can also select lower coverage limits usually within $50,000 medical coverage which is often enough for most trips.
How much does travel insurance cost for a week? How much does travel insurance cost for 2 weeks?
Travel insurance costs typically ranges between $5 to $40 for a week and $9 to $80 for two weeks. You can compare quotes using American Visitor Insurance trip insurance cost calculator. The price depends on factors such as coverage type, trip destination, and total trip cost. Basic plans are more affordable, while comprehensive options, including trip cancellation, medical emergencies, and baggage protection, tend to cost more.
How much does travel insurance cost for 6 months?
For a 40-year-old traveler, the cost of travel insurance for a 6 month trip typically ranges around $122 to $1,050, based different coverage options on American Visitor Insurance. The price depends on factors such as coverage levels, the destination, and the type of policy selected.
Which is the best medical insurance for travel to Europe?
The best travel health insurance to Europe from USA plans will vary from traveler to traveler depending on their unique needs. While some travelers will look for the cheapest Europe visa insurance cost specifically to satisfy the visa requirements, others will look for the most comprehensive Europe travel insurance coverage.
- Coverage includes Emergency Medical Evacuation, Hospital Room and Board...
- Policy maximum covers up to 1M
- Offers coverage for acute onset of pre-existing conditions for visitors aged under 70 years
Atlas International
WorldTrips
- Provides comprehensive medical coverage, emergency evacuation, and repatriation...
- Policy maximum covers up to 2M
- Offers coverage for acute onset of pre-existing conditions for visitors aged under 79 years
Safe Travels International
Trawick International
- Coverage includes travel delay, emergency medical evacuation, repatriation, emergency services...
- Policy maximum covers up to 1M
- Unexpected recurrence of a pre-existing condition is covered up to $20k for ages up to 65
Importance of US citizen travel insurance for Europe
Travel insurance is very important for US travelers to Europe even if it is not mandatory. The Covid pandemic and the Ukraine war have made the value of travel insurance self-evident. Given these conditions, traveling to Europe has become more challenging due to the many disruptions that are beyond ones control.
It is not mandatory for US citizens to buy travel insurance for Europe as they do not need to apply for a Schengen visa for short visits. However if US citizens are traveling for more than 90 days, they need to buy travel insurance. A travel insurance with trip protection coverage can protect the traveler from financial difficulty in the event of delay or cancellation of flights, loss of baggage as well as any medical emergency or accident with the traveler. Some travel insurance also provide coverage for quarantine expenses should one test positive for Covid19 while traveling. In fact Covid quarantine travel insurance is being mandated by some countries while issuing travel visas.
Given all of this, it is advisable for US citizens on a Europe vacation to buy travel insurance which covers trip investment expenses. US citizen travel insurance for Europe with a focus on trip expenses provide financial security for trip related expenses like trip cancellation, trip delay, baggage loss and medical evacuation.
Some Europe travel insurance plans provide the option of 'Cancel for Any reason' (CFAR) by providing a refund of up to 75% of the trip cost if one cancels the trip for any reason. Should the traveler cancel the trip because of a medical emergency, without travel insurance, they will be left stranded and responsible for all the costs associated with the trip. Having reliable travel insurance will ensure that the travelers can recoup some of the trip expenses should they face adverse circumstances during travel.
Why is travel insurance necessary for trips to Europe?
- Travel Insurance offers medical coverage in case of unforeseen medical emergencies including hospitalization, emergency medical evacuation and doctor visits. This saves out of pocket costs in Europe where healthcare can be expensive.
- It covers trip cancellations or interruptions in case of illness, natural disasters or personal emergencies by recovering the non refundable expenses
- Coverage is available for lost or stolen luggage, travel delays, personal liabilities in case of damage or injury to others during the trip.
Factors to consider while buying travel insurance
What is the best travel insurance for a US senior vacationing in Europe?
The best travel insurance for a US senior vacationing in Europe are available on American Visitor Insurance. A very economical plan for seniors under 70 years is the Altas International plan which costs about $170 per month. You purchase it for the days you need coverage. For seniors under 80, the Patriot International Lite plan is the most economical which costs about $270 per month. If you are over 80 years of age and want at least $50,000 coverage (which would be required for a Long Term Europe visa), you must purchase the Safe Travels Outbound plan which costs about $670 per month. All of these plans will give you a “visa letter” you can download and print out if you need it for a Long Term stay and all are excellent options for visitor insurance while abroad. Note that prices are for a $50,000 maximum with a $0 deductible imitating the visa requirements, but if you do not need to satisfy those requirements, you can put a higher deductible on the policy and reduce the cost of the plan.
What coverage does travel insurance include for seniors taking a trip to Europe?
Travel Insurance for seniors covers almost everything the same like the regular travel insurance plans. They provide benefits like
- Emergency Medical Evacuation
- Repatriation
- Hospitalization
- Urgent Care visits
- Trip cancellations
- Travel delays
- Pre-existing conditions
- Accidental Death and Dismemberment
Travel insurance for seniors extends their coverage for pre-existing condition ailments. This is important as it is very common for seniors to have underlying health issues. They offer higher policy maximums or higher coverage for medical evacuations. For the expenses incurred with the PPO network, the coinsurance percentage can range from 90% to 100%.
What are the things to consider for seniors before purchasing travel insurance to Europe?
- Before looking at the plans, assess your needs. Do you have any pre existing conditions for which you need coverage or will you be engaging in high risk activities?...This will help you to narrow down your choices.
- Ensure that the plan provides high limits for policy maximums and higher limits for Emergency Medical Evacuation. Ensure Trip Cancellation, Baggage loss and Travel delays are covered . This will help secure your finances.
- Check if the plans have pre-existing condition waivers. This will help if you have ongoing health issues.
- Compare different plans based on their costs and benefits. Some plans offer lower premiums but they will have limited coverage and higher deductibles.
- Reading reviews, contacting customer support,purchasing early ahead and reading fine print will help you make the right decision with the right plan.
What are the best travel insurance plans available for senior travelers?
Some of the best travel insurance plans available for senior travelers:
- Globe Hopper plan from IMG: This insurance plan is available for US citizens and US permanent residents 65 years and older qualified for Medicare for traveling outside of the US. The Globe Hopper single trip plan is available for single trips with coverage from 5 days to 365 days and Globe Hopper Multi Trip plan is available which covers a period of 12 months with maximum 30 days coverage for each overseas trip. The plan offers up to $1,000,000 for individuals less than 79 years of age and $100,000 for more than 80 years old. The plan provides $2500 for sudden recurrence of an existing condition and $25,000 for emergency medical evacuation. More details available in the Globe Hopper plan page.
- Atlas International: This plan is from worldtrips and is available for US citizens and Non US citizens traveling outside their home country. This plan provides a policy maximum of up to 2,000,000 starting from $50,000. This international plan waives co-insurance within the PPO network. Plan offers coverage for acute onset of pre-existing conditions up to the age of 79. More plan details are available in the Atlas International Plan page.
- Patriot International Lite: This plan is from IMG and is available for US citizens and Non US citizens traveling outside of their home country.Plan provides policy maximum up to $1,000,000 starting from $50,000. For further information, look into the Patriot International Lite plan page.
- Intermedical Insurance: This plan from Travel Insure provides coverage for US travelers traveling outside of the US.Th eplan provides policy maximum up to $1,000,000 starting from $50,000 and the coverage period ranges from 5 days to 365 days. Plan includes coverage for medical expenses including emergency medical evacuation. Further information is available in the Intermedical plan page.
More plans for older travelers are available in American Visitor Insurance based on the requirements of the customer.
Do I need American traveler insurance with trip cancellation coverage?
US citizens are advised to consider purchasing trip protection insurance, particularly when traveling beyond their home state. Travel insurance for US citizens visiting Europe tailored for US vacationers offer coverage that includes the traveler's health and trip expense costs. Coverage benefits typically encompass trip cancellation, delay, Covid quarantine travel insurance, medical evacuation, injury of family member, travel companion or pet, theft of passport, traffic accident, inclement weather resulting in delay or cancellation of common carrier.
Travelers can also include the Cancel for Any reason (CFAR) insurance which gives travelers the option of cancelling their travel and recouping most of their non-refundable trip expenses. This insurance provides coverage in the following ways:- Non refundable cost of the trip.
- Unexpected medical expenses of the traveler.
- Loss or damage to the insured’s possessions.
Following are the best trip insurance plans:
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The trip insurance offered by IMG is a three-tiered series of plans: iTravelInsured Travel Lite, iTravelInsured Travel SE and iTravelInsuredTravel LX. These plans offer coverage for unexpected medical expenses dues to accident or sickness as well as insure your trip expense investment in case of a trip cancellation or delay.
iTravelInsured Travel LX insurance has 'Cancel for any reason' benefit included and provides coverage up to $100,000. The iTravelInsured Travel SE and iTravelInsured Travel LX plans offer Trip Delay benefit up a maximum of $2,000 per person and $2,500 per person respectively which satisfy many countries Covid travel insurance quarantine requirements.
Compare IMG Trip insurance » -
Safe Travels Trip protection insurance plans for trip cancellation expenses from Trawick International offer coverage for non refundable trip expenses incurred when a trip is cancelled. These are popular plans for trip related expenses.
The Safe Travels Voyager insurance and SafeTravels Armor have an optional benefit that is the 'Cancel for any Reason' which is available as a rider at an additional cost.
The Safe Travels Voyager insurance and Safe travels Explorer insurance is quite popular as it offers Covid19 quarantine accommodation coverage.
Compare Safe Travels Trip Protection insurance » -
- Available for US citizens and residents traveling outside the United States
- Includes $2000 in travel delay benefits for Covid quarantine/lodging.
- Trip cancellation up to $50,000/Trip interruption up to 200% of trip cost
- Offers $500,000 medical for sickness and injury/$1,000,000 medical transportation
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The Trip Protection Series by Seven Corners offers plans with good, better, best plan with Trip Protection Basic and Trip Protection Choice. There is an additional cost for the number of days which exceed 30 days, but you can have a trip last up to 180 days.
Trip Protection Elite from Seven Corners offers cancel for any reason for residents of Missouri, New York, Pennsylvania and Washington travelling in the United States /internationally. you can have a trip last up to 90 days.
Seven Corners’ Cruise travel insurance plan provides comprehensive protection designed specifically for cruise travelers. Key features include optional Cancel For Any Reason (CFAR) and Interruption For Any Reason (IFAR) upgrades.
There is also the optional coverage for loss of ski days and equipment and lost golf rounds and rental. Note that insuring a trip for $0 to $500 gives the same, lowest rate available.
Compare Trip Protection insurance plans » -
Travel Insurance Select Insurance and Trip Care Complete Insurance from Travel Insurance Services, offers choice of three options to meet your needs and budget: Elite, Plus, and Basic. These plans includes coverage for trip cancellation, trip interruption, trip delay, medical expense, emergency evacuation, and baggage loss/delay coverage. Each option includes different features, benefits, and coverage limits.
Travel Insurance Select Plus and Elite plans offers "Optional cancel for any reason benefit" if purchased within 21 days of the date initial payment/deposit is received. (not available to residents of NY) and Trip Care Complete Insurance also offers "Optional cancel for any reason benefit" up to 75% of Trip Cost.
International travel health insurance from USA
What is the best travel insurance with theft gear coverage?
American travel insurance coverage for theft gear often include coverage for lost, stolen, or damaged personal belongings, which can include gear such as cameras, laptops, sports equipment, and other valuables. At American Visitor Insurance best travel insurance coverage for theft gear is offered by popular comprehensive plans from top rated insurance providers.
Which is best trip cancellation insurance for adventure activities?
The iTravelInsured Travel Sport plan is designed for adventure seekers, offering travel insurance for expeditions, tours, and vacations. It covers adventure, extreme, and hazardous sports, as well as organized intramural and interscholastic sports, with trip cost protection of up to $100,000.
iTravelInsured SportWhich travel insurance provides good medical evacuation coverage?
Travel insurance for US citizens visiting Europe with emergency medical evacuation coverage is crucial, particularly for those visiting areas with limited medical resources or engaging in high-risk activities. It's a vital feature of many travel insurance policies, providing essential aid and financial support in the event of a serious illness or injury that necessitates transportation to a medical facility or repatriation to the United States. The best travel insurance plans for medical evacuation cover the expenses of transferring you to the closest suitable medical facility when local care is insufficient.
What is the American travel insurance for canceled flights?
Flight cancellations can be a significant inconvenience, but having travel insurance can help mitigate the impact. When dealing with a canceled flight, it’s important to know your rights and how to claim compensation or seek reimbursement. Travel insurance can provide coverage for canceled flights, which is particularly useful if you encounter unexpected disruptions during your trip.
Which is the best trip cancellation insurance for international trips?
Safe Travels Protect trip cancellation insurance is ideal for US residents and citizens traveling within USA and abroad.
Safe Travels Protect Insurance
- Cheapest trip cancellation insurance for US residents
- Offers trip cancellation coverage up to $14,000.
- Primary emergency accident and sickness medical coverage up to $25,000
- Maximum trip length is 90 days and covers up to age 85.
- Plan is available up to 18 months in advance of departure.
- 14 Day free look period is available
- Safe Travels Protect insurance cost for a 40 year old traveler starts from $43 for 15 days trip duration with $1500 trip cost.
- airplanemode_inactive
Trip Interruption
Up to 100% of Insured Trip Cost - work_history
Trip delay
$300 ($100 per day) 12 hours - airplanemode_inactive
Missed Connection
$250 (12 Hours Delay) - luggage
Baggage Coverage
$500 ($100 per article, 50% special items)
What does trip cancellation insurance cover?
At American Visitor Insurance, we assist travelers from nearly anywhere as they travel away from home! It is important to consider purchasing an insurance plan to cover trip cancellation. In that way, if something happens between the time you pay for your trip and the departure date which doesn’t allow you to actually take your trip, you can get a refund for your non-reimbursable deposits and costs associated with the trip.
The cost of such insurance is less dependent on the length of the trip (although most have maximum day limits) and more dependent on the cost of the trip you are insuring. There are plans available for very high cost trips (exceeding $10,000 per person), such as safaris, long cruises, etc. as well as plans for more modestly priced trips. Benefits are usually 100% of non-refundable trip costs. These benefits are often reduced to 75% for the ‘Cancel for any Reason’ benefit. These policies are very complete and well thought out.
If you do go on your trip, the policy will cover you for unexpected medical expenses and you will also have a trip interruption benefit if you should not be able to complete your trip for some reason (illness, weather, etc). In the case of the trip interruption benefit, the cost you insured for will come into play. There will be trip delay, if you miss a flight or connection, and help to catch your cruise if necessary. Also, the coverage for baggage loss is good and they have even thought of helping you get your pet or children taken care of if they accompany you on your travels.
How to estimate trip cost for travel insurance?
Customers always ask me how much they should put down to insure their trips. This is a very important question to consider. Firstly, because it directly affects the cost of your insurance policy and secondly because it will put a maximum on your trip cancelation and interruption benefit. First of all, you can only ever get back the non-refundable portion of your trip cost. And, you must be able to show the loss. For example, when I booked a trip to Europe some time back over a summer, I prepaid for all our hotels.
The refund policy was only 10%, so I could have insured 90% of the cost in that case. You must look carefully for the refund policy of all pre-paid costs associated with your trip in order to get this amount correct. Airbnb are not consistent across the same city, so you will have to assess this individually for each part of your trip. While some plans allow you to put down a total trip cost or an average trip cost per person, some will want you to be specific for each traveler. Make sure you keep track of costs accurately again to keep the cost of the insurance down and your refund as accurate as possible.
Technically, you can insure for any portion of the trip that you want. However, in order to get some benefits, some plans require that you insure all of your pre-paid, non-refundable expenses (such as the waiver for the pre-existing condition exclusion, ‘cancel for any reason’ benefit, or cancel for any work reason benefit).
When can I buy the trip cancellation plan?
You can buy it at any time before your travel dates, however, since you are insuring the value of your trip, the sooner the better in case something happens to interfere with your travel. For example, maybe you’ve planned a trip for next October. Then, you find out that you will be required to be in court at that time.
If you haven’t already purchased your trip cancellation plan, you will not be able to get the refund since you already know about this conflict. Furthermore, you always get a 10 day ‘look free’ period after you purchase your plan which gives you a few days to make sure you got the product that you really want.
Does trip insurance cover pre-existing conditions?
Many plans will cover pre-existing medical conditions (that is, they will waive the exclusion of pre-existing medical conditions) if you purchase your policy within a certain number of days of the initial trip deposit. In that case, for older travelers or those with such conditions, it is advantageous to get the policy within their deadline to get the additional peace of mind of more complete medical coverage should something happen.
Of course, we hope that you get to go on your trip without a hitch and that you stay happy and healthy though your trip, but these policies offer you some peace of mind, that even if things go wrong; from the minor inconvenience of missing a connecting flight to the major headache of trying to find appropriate medical care in an unfamiliar country or finding you are not able to take your vacation as planned in the first place, you will be taken care of by companies that have experience and the ability to work abroad. Let us help you find the right plan for your situation at American Visitor Insurance!
Best trip cancellation insurance for US seniors
We’re glad you found your way to American Visitor Insurance. Our website is dedicated to getting you the least expensive, but most appropriate policy to put your mind at ease when you travel whether it’s on a getaway to Hawaii or an adventure across the globe to Mt. Fuji. We offer policies for pretty much anyone traveling nearly anywhere! If you are an older US resident planning a trip (up to 99 years), we have a relatively new policy that you should consider. IMG has been in the travel insurance business for many years with travel and trip insurance products for all travelers.
Their latest trip cancellation plan is called iTravelInsured Choice Insurance. It is economically priced for trips that cost less than $10,000 per person (their other products can insure more expensive trips). While trip cancellation plans are often pricey, if you are an older traveler, they actually offer very competitive rates and often have much higher medical maximums and lower deductibles than straight travel insurance plans. Technically, you are not required to insure all of your trip or all your pre-paid non-refundable expenses. Minimum trip cost that can be insured is $500.
The most you insure for should be the total pre-paid, non-refundable portion of your trip cost. You will have to show your loss to get this benefit paid to you. Furthermore, if you go on your trip, this policy will provide coverage up to $100,000 for medical expenses as well as emergency medical evacuation of $500,000. There is no deductible on this plan. Also covered is baggage loss or delay, trip delay and trip interruption.
The reimbursement for the trip interruption benefit will be the proportion of remaining trip multiplied by the insured amount of the policy. The policy will also help with lost or stolen passports, credit cards, and personal items.
If you are looking to insure a trip outside the US and are dismayed at the low maximums available and high costs, particularly if you are over 80 years of age, we recommend having a look and thinking about choosing a trip cancellation plan like iTravelInsured Choice Insurance offered by IMG. It may give you a better rate and higher maximum than a plain travel insurance plan that does not include a trip cancellation benefit.
Best trip cancellation travel insurance for Seniors
What if I need to be airlifted off of the ship?
We’re glad you found your way to American Visitor Insurance. Our website is dedicated to getting you the least expensive, but most appropriate policy to put your mind at ease when you travel whether it’s on a getaway to Hawaii or an adventure across the globe to Mt. Fuji. We offer policies for pretty much anyone traveling nearly anywhere! If you are an older US resident planning a trip (up to 99 years), we have a relatively new policy that you should consider. IMG has been in the travel insurance business for many years with travel and trip insurance products for all travelers.
The plans offer a benefit called emergency medical evacuation. This benefit can move you from your cruise ship to the closest hospital that can attend you. It can also move you between hospitals if your current hospital cannot accommodate your needs. Also, it can move you to a hospital close to your home if a physician deems it necessary.
Information about US mobile passport control and TSA pre check for US passport holders.
Click here to read more »Which is the cheapest US expatriate insurance?
Health insurance for U.S. expats is essential for providing access to quality healthcare while living abroad. Expatriates often need coverage that goes beyond what their domestic U.S. health insurance provides because most U.S.-based health insurance plans do not cover medical expenses incurred outside the United States.
Get quote »How do I buy Long term Europe visa insurance?
US citizens who want to stay in any of the 29 Schengen countries for more than 90 days in a 180 day period need a Long Stay Visa. One of the requirements for this visa is proof of travel medical insurance with coverage up to 30,000 Euro (or the equivalent in US dollars) which is valid during the whole stay in the Schengen countries.
The insurance company should provide a visa letter stating coverage amounts for medical expenses, emergency medical evacuation and repatriation while in Europe (or 'unlimited' if there is no limit of coverage). US travelers travelling frequently to the Schengen countries can buy the Annual travel insurance for Schengen visa.
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Which are the best long-stay travel insurance plans for Americans visiting Europe?
Traveling to Europe for an extended period more than 90 days, whether for work, study, or leisure, requires the long term Europe travel insurance coverage to ensure peace of mind and financial protection. Long-term travel insurance for Europe is designed for travelers staying beyond the typical short-term trip duration, providing comprehensive medical coverage, emergency assistance, and trip-related benefits.
For those applying for a long term travel in Europe visa, travel medical insurance must meet specific requirements, including a minimum of €30,000 medical coverage and emergency medical evacuation. Long term European visa is also essential to cover unexpected medical expenses, trip cancellations, and loss of personal belongings.
American Visitors Insurance offer the best international travel medical insurance for US citizens designed by top US Insurance providers. International travel insurance plans vary based on the different coverage benefits offered. Travelers can compare coverage benefits and buy the best Europe long stay travel insurance for US citizens.
What are the popular tourist destinations in Europe?
Venice
Venice may conjure up images of romantic gondola rides down the Grand Canal, but this European city isn't only for swooning lovebirds.
Paris
Paris, France's capital, is a major European city and a global center for art, fashion, gastronomy and culture.
Amsterdam
There's more to Amsterdam than its notorious coffee shop culture and Red Light District. Spend the day biking along the city's canals and stylish streets.
Athens
Athens was made for history buffs and architecture aficionados, but it also serves as a great European getaway for the everyday travel.
Which is the best travel health insurance for European cruise?
Best time for cruising along the rivers of Europe namely Main, Danube, Rhine from Amsterdam to Budapest is all round the year. If you visit in the months of April and May, you get to see the beautiful Dutch tulip gardens. During Christmas which is the peak time for market sales, December is the best time. For a pleasant weather and calm waters, September month is the best time to visit.
What are the popular River Cruises in Europe?
Best travel health insurance for Europe visa
If you are a non-U.S. citizen or a U.S. Green card holder traveling to Europe, you may need an Europe visa that satisfies Europe travel insurance requirements which are the Schengen visa requirements, depending on your nationality. Do check the specific requirements based on your citizenship. Travelers from the USA visiting Europe will in any event need to apply for a Schengen visa if their visit is for tourism, business, or family reasons and they plan to stay for up to 90 days. When applying for a visa to Europe (or any other Schengen Area country), travel insurance is a mandatory requirement. The purpose of this travel insurance for the Europe visa is to cover unexpected expenses related to medical emergencies, accidents, or trip disruptions during your time in Europe.
The policy must cover emergency medical expenses of at least €30,000 (around US $ 50,000). It must include coverage for emergency medical evacuation which is transporting you to the nearest hospital or even back to your home country if needed. The insurance must cover the entire period of your stay in the Schengen Zone, from the date you enter Europe until you leave. American Visitor Insurance offers international travel insurance that meets the Europe travel insurance requirements, providing the necessary proof of travel health insurance required when applying for an Europe visa. You can call us at (877)-340-7910 if you need any help to buy travel insurance for Europe which satisfies visa requirements.
What is the new travel authorization ETIAS requirement for US citizens travelling to Europe?
Starting in 2025, US travelers to Europe should apply for an ETIAS (European Travel Information and Authorization System). ETIAS is an electronic travel authorization system similar to the US ESTA (Electronic System for Travel Authorization). However, ETIAS is not a visa, but a pre-travel clearance for short stays up to 90 days in Europe. Along with ETIAS it is important for travelers from USA to buy travel insurance for Europe, since Medicare and most US health insurance plans do not provide coverage in Europe.
Is a Schengen visa needed for US Green Card holders?
US Green Card holders will need an Europe visa to travel there if the country of their passport requires a visa for travel to the Schengen countries. Travel insurance for Europe visa for Green Card Holders is required while applying for an Europe visa. Green card holders travel insurance requirements for Europe include medical expenses of at least €30,000. On American Visitor Insurance, US Green Card Holders can buy international health insurance Europe to satisfy Schengen visa requirements for their visa application.
Best medical insurance for travel to Europe from USA – FAQ’s
1. Which is the best travel insurance for Europe from USA?
We have many popular travel insurance options from USA to Europe that we recommend, specifically if you need a Schengen visa insurance letter for the Schengen tourist visa for Europe. The cheapest travel medical insurance Europe will depend on the age(s) of the traveler.
We have designed our website to help travelers choose the best US travel health insurance to Europe that is both economic and appropriate for them. You can compare Europe travel insurance quotes by filling the travel dates and travelers ages in the USA travel health insurance for Europe quote form.
2. Do I need travel insurance for Europe?
If you are a US national then short term medical insurance plan while traveling Europe is not mandatory for US citizens. However you need travel insurance as American going to Europe for more than 90 days. Travel insurance for Europe trip from USA for Schengen visa is mandatory if you want a long term stay (over 90 days) in Europe which satisfies Schengen travel insurance requirements.
Also, given the high cost of health care in Europe and the fact that US domestic health insurance provides little coverage in Europe, and the nominal cost of travel medical insurance Europe, it is prudent for international travelers to buy good travel insurance for Europe trip from USA.
3. Which travel insurance is best for Europe?
There is no single Schengen travel insurance plan which will work best for all travelers to Europe. The best Schengen visa travel insurance plans will vary from traveler to traveler depending on their unique needs. While some Europe travelers will look for the cheapest Schengen visa insurance cost specifically to satisfy the Schengen visa requirements, others will look for the most comprehensive Schengen travel insurance coverage.
The price will be higher if you need health insurance for Europe travelers with pre-existing conditions. It is recommended to compare different low cost Schengen visa travel insurance plans based on price as well as the different benefits coverage options. Europe travelers should also read different Schengen travel insurance reviews before buying a Schengen visa travel insurance plan.
4. How can I get Schengen visa medical insurance?
Travelers to Europe applying for the Schengen visa can buy Schengen visa travel insurance on American Visitor Insurance. While it ironic to buy travel insurance for Europe on American Visitor insurance, we offer several international travel insurance plans that specifically satisfy Schengen visa requirements as mandated by Schengen state consulates.
Our compare Schengen visa insurance quote facility lists a range of cheap travel insurance that satisfy Schengen visa insurance requirements. After buying the Schengen travel medical insurance on our website travelers can immediately download the required Schengen visa letter to be used while applying for the Schengen visa.
5. How much is Europe travel insurance for Schengen visa?
The cost for the Schengen visa travel insurance depends mainly on the age of the traveler and the duration of coverage required. The older the traveler the higher will be the cost. The longer the duration of travel insurance coverage Schengen visa required, the greater will be the cost for the travel insurance for Schengen visa.
The Schengen visa insurance application quote facility on our website lists the travel insurance that satisfy Schengen visa consulate requirements. You can find the cheapest insurance for schengen visa on our website.
6. How do I get cheap Schengen visa travel insurance?
The cheapest Schengen travel insurance is surely dependent on the travelers' requirements. The traveler will have to do research online to find the cheapest travel insurance for schengen visa based on his or her requirements. It is advisable to compare cheapest travel medical insurance for Schengen visa before buying the cheap travel medical insurance for Schengen visa that satisfies Schengen consulate requirements.
7. How do I get the right insurance required while applying for the Schengen visa?
At American Visitor Insurance, it’s easy to get the best deal for insurance to meet Schengen visa requirements. Simply use our compare engine to review travel policies and prices. All the plans listed will give you access to a “visa letter” which you can print out minutes after your purchase which shows you have the insurance that is required for your visa. Change in plans? Not sure when your will be traveling? No problem! All plans are very flexible and can either be pushed back, moved forward, or cancelled for a full refund (before they start)! If two people are over 70 years old, you can be quoted together on American Visitor Insurance, but some companies require you to fill out separate applications for each person (but the total cost will NOT change). Note that for travelers over 80, it can be cheaper to get a trip cancellation plan like one offered by IMG and they also provide a visa letter for you! Please call us at 877-340-7910 if you have any questions or concerns!
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