Travel insurance for US citizens visiting Europe

If you are a US citizen or have the nationality which does not need the Schengen visa, then travel insurance to Europe is not mandatory. However travel insurance for Europe from USA is mandatory if you need a Schengen visa or if you want to stay over 90 days in Europe.

US health insurance including Medicare provide little to no health insurance coverage outside US borders. International travel insurance provides health coverage and financial protection in case of unexpected events such as medical emergencies, trip cancellations or interruptions, lost baggage, or travel delays typically. Given that travel insurance usually costs only around 5% of the total trip cost, it is very logical for US citizens traveling overseas to buy the best travel insurance for Europe. Healthcare costs can be high in Europe, and travel insurance ensures that you have medical evacuation if needed and access to good medical assistance and treatment.

The coverage provided by travel insurance can vary depending on the policy and insurance provider, but it typically includes:

• Medical expenses: Coverage for emergency medical and dental treatment, hospital stays, and medical evacuation.
• Trip cancellation or interruption: Reimbursement for non-refundable expenses if the trip is cancelled or cut short due to covered reasons, such as illness, injury, or unforeseen circumstances.
• Baggage loss or delay: Compensation for lost, stolen, or damaged baggage, as well as reimbursement for essential items if your baggage is delayed.
• Travel delays: Reimbursement for additional expenses incurred due to delayed flights or other travel disruptions.
• Emergency assistance: 24/7 travel assistance services, including access to a helpline for emergencies, coordination of medical services, and help with lost documents.

We have different well known travel insurance for US citizens traveling to Europe that we recommend, specifically if you need a letter in order to get your Schengen tourist visa for Europe. The cheapest plan will depend on the age(s) of the traveler. We have designed our website to help customers choose the exact plan that is most economical and appropriate for them. You can compare Europe travel insurance quotes by filling the travel dates and travelers ages in the quote form on our website.

Unfortunately, the domestic US insurance plans have very little coverage outside US national borders and you must be aware of this. You may want to check with the current US domestic insurer for more details.

US citizens can either buy travel medical insurance for europe from USA which focuses on insuring the health of the traveler or Trip Cancellation travel insurance, which insures the cost of the trip along with providing health insurance coverage while outside the United States.

In general, US citizens cannot get free healthcare in Europe, unless they have dual citizenship, or reside in a specific European country. Different European countries have different healthcare systems, some of which provide free or low-cost healthcare to their citizens and legal residents, but generally do not offer this to international tourists.

In this context, it is important for US citizens traveling to Europe to buy the best US travel medical insurance to cover any potential healthcare costs while outside the USA.

Here are some of the best travel insurance plans for US citizens traveling to Europe:

• Patriot International Lite
• Travel Medical Choice
• Atlas International
• Safe travels outbound

These plans offer comprehensive international travel medical coverage.

As of now, US citizens do not need an EU visa for short-term stays of up to 90 days within a 180-day period in most EU countries. This includes Iceland, Liechtenstein, Norway, and Switzerland. However, as an US citizen, if you plan to stay in Europe for longer than 90 days or for other purposes such as work or study, you may need to obtain a visa. It is always important to check the latest entry requirements for the specific country you plan to visit before you travel.

The travel insurance coverage will vary depending on the policy and insurance provider, but it typically includes

• Medical expenses: Coverage for emergency medical and dental treatment, hospital stays, and medical evacuation.
• Trip cancellation or interruption: Reimbursement for non-refundable expenses if the trip is cancelled or cut short due to covered reasons, such as illness, injury, or unforeseen circumstances.
• Baggage loss or delay: Compensation for lost, stolen, or damaged baggage, as well as reimbursement for essential items if your baggage is delayed.
• Travel delays: Reimbursement for additional expenses incurred due to delayed flights or other travel disruptions.
• Emergency assistance: 24/7 travel assistance services, including access to a helpline for emergencies, coordination of medical services, and help with lost documents.

The cost of travel insurance can vary depending on several factors, including the duration of your trip, your age, the level of coverage you choose, and any additional add-ons or options you select. On average, travel insurance for a US citizen visiting Europe 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 obtain quotes from different insurance providers on American Visitor Insurance to compare prices and coverage options.

Coverage for pre-existing medical conditions can vary depending on the insurance policy. Some travel insurance plans offer coverage for acute onset of a pre-existing conditions, while others may exclude them. It is important to carefully review the policy details and any exclusions or limitations related to pre-existing conditions using the comparison facility available on American Visitor Insurance.

When choosing travel insurance for your trip to Europe, consider the following factors:

• Coverage: Look for a policy that provides comprehensive coverage for medical expenses, trip cancellations, baggage loss, and travel delays.
• Policy limits: Ensure that the policy limits are sufficient to cover potential expenses, such as medical treatment or emergency evacuation.
• Exclusions: Carefully review the policy's exclusions and limitations, particularly regarding pre-existing conditions and high-risk activities.
• Cost: Compare the prices of different insurance providers while considering the coverage and benefits they offer.
• Customer reviews and reputation: Research the insurance provider's reputation, customer reviews, and claim handling process to ensure reliability and customer satisfaction.

When buying travel health insurance for Europe, it is important to compare US travel insurance from multiple providers to find the best coverage at the best price. This is achieved with ease at American Visitor Insurance, where prices and benefits of the different plans are displayed in an user friendly comparison tool. As a traveler, you should also carefully review the policy's brochure and understand the exclusions that are not covered.