Travel insurance for US citizens visiting Europe

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Travel insurance for U.S. citizens with trip protection coverage - Highlights

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Reimbursement for loss of pre-paid, non-refundable payments.

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Transportation to or between hospitals as needed.

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Reimbursement of food and lodging expenses due to delay in travel.

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Pays sum for lost or delayed luggage by airline.

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Covers cost of treatment for sickness or injury during your vacation.

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Travel medical insurance with no trip protection - Highlights

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Covers medical costs for sickness or accidents during travel.

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Covers cost of clinic or doctor visit.

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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 the US travelers with the regions of Southern and Western Mediterranean benefitting 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?

How much is travel insurance for a month? How much is travel medical insurance?

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.

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
  • 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:
  1. Non refundable cost of the trip.
  2. Unexpected medical expenses of the traveler.
  3. Loss or damage to the insured’s possessions.

Following are the best trip insurance plans:

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 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.

Resources for US air travelers

Information about US mobile passport control and TSA pre check for US passport holders.

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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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Schengen visa insurance

What are the popular tourist destinations in Europe?

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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!

Europe Schengen travel insurance - related links

Travel insurance for Americans in Europe - Links

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Annual travel insurance for US citizens

Travel insurance for multiple trips within a year.

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Important factors for Schengen visa Insurance

Factors to consider for Europe travel insurance

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Travel insurance options for travelers with pre-existing ailments

Travel insurance for travelers with pre-existing ailments.

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US Expat insurance

Medical Insurance for US Expatriates.

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Europe travel insurance for Seniors

Schengen visa insurance for older travelers

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US senior citizen travel insurance

Travel insurance for US senior citizens.

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Resourceful tourist insurance USA information

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Resourceful Schengen visa travel health insurance information

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Europe travel Insurance FAQs

Commonly asked questions about Europe travel medical insurance.

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Insurance blogs for best travel insurance for Schengen visa.

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Europe travel insurance forum

Customer discussions about travel medical insurance plans for Visiting Europe.

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Popular European destinations

Which are the best travel insurance companies in USA?

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

Which are the best visitors insurance companies in USA?

Travel insurance resources

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