Travel insurance for Europe resources
International travel insurance resources for Europe visa holders.
Reimbursement for loss of pre-paid, non-refundable payments.
Transportation to or between hospitals as needed.
Reimbursement of food and lodging expenses due to delay in travel.
Pays sum for lost or delayed luggage by airline.
Covers cost of treatment for sickness or injury during your vacation.
Europe as a continent is by far the world largest tourist attraction and has over 600 million international travelers annually. France and Spain are ranked as the top countries for attracting international tourists. These figures are easy to explain given the range of tourist attractions that Europe offers.
Each region of the continent has something unique to offer in terms of nature and scenic beauty as well as manmade artefacts, art, music, culture and culinary traditions. Western Europe has its charms along the Atlantic coast and Iberian peninsula. Southern Europe has the Mediterranean sea and cultural influence from northern Africa and the middle east. Eastern Africa with its rich history and orthodox Christian traditions. Northern Europe's Scandinavian countries have their distinct landscapes. All these regions come together to make Europe a dream vacation destination for any tourist.
However US citizens and other international tourists should be aware that local health insurance plans and even US Medicare insurance offers very little coverage in Europe. International travelers should be aware that traveling outside one’s comfort zone always has some risk and it is important to buy good travel health insurance. Travel health insurance for US citizens living in Europe can ensure that the European vacation does not get bogged down in the event of any adverse situation. Good travel medical coverage for us citizens in Europe cover can make all the difference in an accident, sickness or adverse travel conditions.
At American Visitor Insurance, we work with reputed insurance providers to offer the widest choice of global travel medical insurance for a US citizen in Europe with excellent coverage. International travelers to Europe can compare different travel insurance plans to make an informed decision. Compare visitor travel medical insurance for traveling to Europe options to buy the best plan for your particular needs. Older American travelers with Medicare aged over 65 years can buy the GlobeHopper Senior Insurance plan for their travel to Europe.
Valid Passport: Ensure that your passport is valid for at least three to six months beyond your intended departure date from Europe. Different European countries may have varying passport validity requirements, so it's best to have some buffer time.
Visa Requirements: Check the visa requirements for the specific European countries you plan to visit. US citizens do not need a visa for short stays (up to 90 days) in the Schengen Area, which includes most European countries. However, some non-Schengen countries may have different visa requirements, so verify the specific requirements for each country you plan to visit.
Travel health insurance: It's advisable to have comprehensive travel health insurance for Europe that covers medical expenses and emergency evacuation in case of unforeseen circumstances during your trip.
Here are some key guidelines for travelers in Europe:
US citizens should consider buying travel insurance especially if traveling outside their home state. The travel insurance plans are designed for US vacationers with coverage for insuring the health of the traveler as well the trip expenses cost. Some examples of coverage benefits are trip cancellation, trip 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) travel insurance which gives travelers the option of cancelling their travel and recouping most of their non-refundable trip expenses. Travel insurance provides coverage in the following ways:
The travel insurance offered by IMG is a three-tiered series of plans: Travel Lite, Travel SE and Travel 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.
Travel LX insurance has 'Cancel for any reason' benefit included and provides coverage up to $100,000. The Travel SE and 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
The Safe Travels First Class Trip Protection, 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.Compare Safe Travels Trip Protection insurance
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.
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.
Travel insurance for trip cancellation, baggage delay, trip interruption, unexpected medical expenses traveller and related emergencies.Know more »
Optional benefit offered by travel insurance protects some insured trip costs for cancellation of trip due to any reason.Know more »
Travel insurance for rental car if it is stolen or damaged due to collision, theft, vandalism, natural disaster, or a cause beyond your control.Know more »
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.Click here to read more »
I am always appreciating good business conduct and when I am coming back here for the longer time span...
Thank you for your prompt response. Your prompt response will be highly appreciated...
Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance co...
There are some USA Covid travel insurance plans available for travel to Europe that cover covid19 as a new illness. US citizens can find the ideal Europe travel insurance with Covid19 coverage plan by using the Covid19 Europe travel insurance compare tool. Trawick International is one of the top travel insurance company offering Covid-19 coverage.
It offers Safe Travels Outbound Insurance which covers covid19 as any sickness. The Safe Travels Outbound Insurance is available for available for US citizens and US residents travelling to Europe. These plans also offer Schengen visa letter specifying that they Covid19 as any sickness. The visa letter can also be translated to different languages as requested.
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 need a Schengen visa or if you want to stay over 90 days in Europe.
Given the Covid pandemic, the war in Ukraine, the high cost of health care in Italy, the fact that US domestic health insurance provides little coverage in Europe and that international travel has become more uncertain with flight delays and pandemic restriction, it is strongly recommended that international travelers buy the best Europe covid travel insurance. Given the relatively low cost of covid travel insurance for Europe, it is prudent for international travelers to buy the best travel insurance for Europe which can actually save significant money in the event of any adverse medical or travel related situation.
It is very easy to get temporary travel health insurance for Americans while in Europe. You can buy travel insurance for multiple countries in Europe on American Visitor Insurance without any paperwork required. US citizens can choose between Trip cancellation insurance or Travel medical insurance for Europe.
While the former insures both the travelers health as well as the insurable trip expenses, the latter focuses on the health insurance of the traveler. You can compare different travel insurance for Europe trip from USA plans and buy the plan that you like best. You will receive the required travel insurance for US citizens travelling to Europe by email.
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.
American Visitor Insurance works with reputed US travel insurance providers to provide travel insurance options for travel to the US and for US citizens traveling within the US and overseas. We have two decades experience in understanding the diverse requirements of US travelers and in offering appropriate travel medical insurance options to them.
Our licensed customer support team provide service at all times helping US travelers find the most appropriate long term Europe travel insurance for their needs as well as guide them when using the insurance claims in the event of a medical or travel emergency. We also provide answers to all travel health insurance for US citizens and reviews of different products, testimonials for customers as well as provide an user friendly US health insurance comparison tool where travelers can compare different products based on price as well as the coverage benefits. All of these tools help US citizens make an informed decision while buying travel insurance for Europe.
The international travel situation remains uncertain as we are still dealing with the on-going (seemingly endless) pandemic and now the Ukraine war and a slowing economy. US travelers returning home from overseas are no longer required to have a negative Covid test, however a Covid infection can force one to stay in Quarantine outside the US. This increases the travel risks and the chance of losing non-refundable trip expenses as well as increased Quarantine expenses. Given this, it is very important to buy travel insurance with coverage for Covid19 quarantine expenses.
Most countries no longer make it mandatory for international travelers to carry a negative covid test report or even have the Covid vaccination for entering their country. However, different countries have different rules, which change under short notice. Given the fluid international travel situation, it remains prudent to buy good international travel insurance to help overcome any adverse situation
Since the outbreak of the Coronavirus pandemic, most travel insurance products now have included Covid-19 coverage as part of their coverage just like any other illness. Some of the IMG’s trip cancellation plans include the Covid coverage and Covid quarantine benefits to provide coverage for quarantine while traveling.
To get a reimbursement of the quarantine expenses the insured person need the following in order to get the Covid coverage:
Covid-19 travel insurance will provide benefits like:
All pandemic related travel regulations have been removed in the US. The earlier negative covid19 test report for flying to the US is not required now.
The regular US health insurance plans and this includes Medicare, will provide little to no health insurance coverage outside US borders. International travel insurance typically costs only around 5%of the total trip cost, and this is highly recommended for US citizens visiting Europe as it provides coverage and financial protection in case of unexpected events such as medical emergencies, trip cancellations or interruptions, lost baggage, or travel delays. Healthcare costs can be high in Europe, and travel insurance ensures that you have access to medical treatment and assistance if needed.
The coverage provided by travel insurance can vary depending on the policy and insurance provider, but it typically includes
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.
Travel insurance is not mandatory for US citizens visiting Europe for short visits, it is mandatory when applying for the long term stay in Europe visa. However, even if not mandatory, travel insurance for Europe is highly recommended so as to have adequate coverage in case of unexpected travel or health related emergencies. Without travel insurance, you may be personally responsible for covering the costs associated with medical emergencies, trip cancellations, or lost belongings, which can be significant.
When choosing travel insurance for your trip to Europe, consider the following factors
When buying travel health insurance for Europe, it is important to compare travel insurance policies 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.
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.
US Citizens with a valid US passport can travel to the Schengen states up to a maximum of 90 days without the need of a Schengen visa.
Requirements for traveling to the Schengen region:
Most Non US citizens need to apply for the Schengen visa. Please check "Nationalities who need Schengen visa". US residents but Non US citizens need to provide the proof of resident status in the US (Green card, valid US visa and copy of valid I-20 or valid I-AP66, visas...) to apply for a Schengen/short stay visa. The visa and the US resident status must be valid for at least 3 months after the last day of stay in the Schengen area.
If you want to stay in the Schengen area for more than 90 days you must apply for a residence permit and not a Schengen visa. One of the requirements for Long Term Europe stay visa is the mandated Schengen visa insurance. Specific instructions for residence permit is available on the respective embassy/consulate's website.
Please note that it is prudent to give adequate processing time while applying for the Schengen visa. This is particularly true during the peak travel months in Summer and in Winter.
An Europe vacation includes expensive airline tickets, cruise bookings and hotel reservations, many of these done well in advance of the actual travel dates. Given the many uncertainties in our lives, the very busy nature of our work and lifestyles, one cannot be sure that our planned travel plans will not need some changes.
Any unforeseen event such as the Ukraine war, a delay in flights with crowded airports, a strike by airline or transit staff, a medical epidemic like Covid19, a medical condition of a friend or family member or even work related pressures can force changes in ones travel plans. It is here that the best cancel for any reason travel insurance for Europe can make all the difference. Most US citizens trip cancellation insurance for Europe with cancel for any reason benefit refunds only 75% of the non-refundable trip investment expensesGet Quote »
Americans visiting Europe for more than 90 days within a 180 day period should apply for an extended stay visa. A mandatory requirement for this extended stay visa is Travel Medical insurance with coverage up to 30,000€ (or the equivalent in USD) while living in Europe. A Visa Letter should be provided by the insurer clearly indicating that the traveler is insured for medical expenses, emergencies and hospitalization throughout the stay in Europe. It should also state any limit in the amount of coverage (or "unlimited" if there is no limit of coverage).
Even if insurance is not mandated and you do not need a visa (Americans do not need a visa to visit Europe for less than 90 days), travel medical insurance offered on this website are strongly recommended simply because health care is expensive in Europe and your US domestic insurance rarely travels beyond the US national borders. Medicare the other domestic US health insurance plans have very limited coverage outside the United States, and travel medical insurance is required to be financially safe while traveling.Get Quote »
Europe travel insurance for the citizens of the US is also called as the Schengen Visa Insurance. The requirements of the coverage for visitor insurance as per the Schengen Visa guidelines are medical benefits of at least €30,000 (the equivalent being about $50,000 USD) with coverage for accidents, sudden illness, repatriation. The insurance company must have a representative office in the Europe.Get Quote »
Complete the travel insurance quote form by providing traveler details and the insurance requirements.
Compare price and the benefits of the different travel insurance options to identify what fits your needs best.
Buy the plan that fits your needs and budget by using a credit card and completing the online application.
Review the travel insurance policy documents received by email for coverage details and relevant contact numbers.
The cost of Europe long term visa insurance depends on the following:
The older the traveler, the more expensive will be the cost of travel insurance.
The medical coverage options range from $50,000, up to $1,000,000, the higher the coverage, the greater the premium.
A 'deductible' or ‘excess’ is the amount of the medical costs the customer pays before the insurance plan starts paying. Most plans provide options ranging from $0 to $2500 (travelers over age 60 years may not have the $0 deductible option). The lower the deductible, the higher the premium.
'Co-insurance' is the percentage on medical expenses borne by the customer after the deductible is paid. The cheapest travel health insurance for Europe will have the highest co-insurance..
There are different underwriters such as AIG, Lloyds, Nationwide, etc. Prices will vary for different underwriter.
Europe insurance and getting the Schengen visa letter...Read more »
List of Schengen countries that require Schengen visa letter...Read more »
List of countries whose citizens who need Schengen visa...Read more »
Travel insurance for non Schengen countries in Europe...Read more »
Data provided by the US department of Commerce show that three European countries feature amongst the top five nations visited by Americans. Beyond US's immediate neighbors of Mexico and Canada, the European nations of United Kingdom, France and Italy are most visited countries by US citizens.
While the UK attracts about three million Americans annually, France and Italy attract close to two million US citizens every year. Americans also travel to other European countries like Germany, Spain, Switzerland, Greece, Austria, Belgium, Portugal in very large numbers.
Americans travel to Europe every year for different reasons. Leisure remains the main purpose of travel followed by visiting friends and relatives and finally it is work...
The top ports of departure for US residents traveling overseas are New York, Miami, Los Angeles, Newark, Atlanta and Chicago which among them account for over 60 percent of all US departures. Travelers can compare plans and select one that best fits their needs as well as satisfy Schengen Visa requirements (this is needed for long term stay, more than 90 days, in Schengen countries by US citizens).
For US residents who are non US citizens, travel medical insurance is mandatory to be issued the Schengen visa. Given the cost of health care in Europe, travel insurance for europe from usa is recommended even for short trips to Europe even if not mandated by consular requirements.
Americans travelling to Europe even for a short holiday must be aware of the places, people, culture, health care... A little time spent online researching information about Europe is useful. Similarly, medical insurance for Europe travel can be compared and bought on our website with ease.
Emergency medical evacuation insurance commonly called “Medevac insurance” offer coverage for expenses arising from international security evacuation, medical evacuation and repatriation.
The Atlas Medevac insurance from WorldTrips is a very popular emergency medical evacuation insurance among US citizens visiting Europe.
Despite the removal of the Covid-19 restrictions both in the US and around the globe, it is prudent for US citizens to purchase international travel insurance which will make the whole trip worry free and provide good protection for any medical or travel related expenses in case of unexpected situations.
US travelers can either buy US Covid quarantine coverage trip insurance (includes coverage for cost of the trip), or Covid quarantine travel health insurance (insures only the health of the traveler and is cheaper than trip insurance).
Review and compare the best Annual insurance.
US senior citizens with Medicare need international travel insurance as Medicare offers limited or no coverage outside USA. Travelling overseas involves risks especially for older travelers and costs of medical evacuation and health care outside the United States is expensive. Buying Medicare Supplemental international Travel insurance coverage for older US travelers is strongly recommended.Know More »
It is wonderful to see so many older Americans traveling to Europe. However while visiting Europe is exciting, US citizens should realise that Medicare and its supplements provide very little coverage outside US borders. There is a travel health insurance plan specifically designed for older American travelers.
Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior as an affordable overseas travel medical insurance option for US citizens and US permanent residents 65 years and older. The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for coverage from 5 days to 365 days, or as a GlobeHopper Multi-trip plan which covers 12 months with a maximum of 30 days per each overseas trip.
The GlobeHopper Senior plan is very popular since it provides coverage of $1 million up to the age of 79 years and $100,000 for travelers more than 80 years old. The plan includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition and $25,000 for emergency medical evacuation.
The US while having an excellent network of Universities is also an expensive place to study. This is one of the reasons that some American students are choosing to study in in Europe, which is cheaper with many countries offering free higher education to US students. Germany, France, Norway, Slovenia, Czech Republic, Finland, Sweden and Iceland are some of the European countries that offers free education for US students. Along with being more affordable, Europe is famous for its culture and history. It also provides a wonderful immersive experience to learn one of the European languages, like French, German, Spanish or Italian. Studying in Europe is a wonderful experience for any student with the opportunity to explore and learn in such an incredible continent.
Medical insurance for Europe for Pre-existing coverage.Know more »
Europe travel health insurance for international students.Know more »
International travel insurance resources for Europe visa holders...Read more »
Important factors while deciding on the best travel insurance to Europe...Read more »
Schengen visa insurance or Europe travel insurance plans for Seniors...Read more »
International travel insurance resources for Europe visa holders.
Important factors while deciding on the best travel insurance to Europe.
Different types of Europe visa travel insurance options.
Europe travel insurance claims process for medical care.
FAQs about travel insurance for Europe travelers.Click here to read more »
Blog about travel health insurance Europe travelers.Click here to read more »
Customer Queries for USA travelers to Europe travelers.Click here to read more »