Travel insurance for Europe from USA

Travel Insurance from USA to Europe

Who Needs to Apply for Europe Schengen Visa?

Individuals who are not citizens of the European Union (EU), European Economic Area (EEA), or Switzerland and who plan to stay in Europe for up to 90 days within a 180-day period for tourism, business, or family visits need to apply for a Schengen visa to visit Europe. This visa allows travel to Europe and other Schengen Area countries. Exceptions may apply depending on the nationality of the traveler, as some countries have visa exemption agreements with the Schengen Zone.

How Do I Apply for a Schengen Visa for Europe From USA?

To apply for a Schengen Visa to Europe, follow these steps:

• Choose the correct visa based on your travel purpose (tourism, business, etc.)
• Fill out the Schengen visa application form.
• Gather required documents, including valid passport, travel insurance, proof of accommodation and financial means, flight reservation.
• Book an appointment with the visa center.
• Submit your application, biometric data, and documents at the consulate.
• Pay the visa application fee.
• Processing usually takes around 15 days.
• Pick up your approved visa from the consulate.

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!

Does My US Health Insurance Cover Me in Europe?

• American health insurance plans do not provide full coverage in Europe, as most U.S. based plans are designed for domestic use and do not work outside US borders.
• While some policies may include limited international emergency care, they do not cover routine medical expenses, extended stays, or repatriation costs.
• For comprehensive international travel health insurance coverage, it’s important to buy international travel insurance from USA to Europe that meets Schengen visa requirements which is offered on American Visitor Insurance, and includes the required €30,000 in medical coverage.

Does a US Green Card Holder Need a Visa to Visit Europe?

• Green Card holders will need a European visa if the country of their passport requires a Schengen visa for travel to Europe.
• Travel insurance for a European visa is mandatory when applying for a Schengen visa.
• Green Card holders must meet common Schengen visa insurance requirements, which can be satisfied by purchasing travel insurance from American Visitor Insurance.

Which Is the Cheapest Travel Insurance With Trip Cancellation Coverage for Europe?

Which Is the Best Travel Insurance With Trip Cancellation Coverage for Europe?

Which Is Cheapest Travel Health Insurance for Europe from USA?

* The price shown is for a 30-day trip with a $50,000 maximum coverage and a $250 deductible for a 20-year-old traveler.

Which Is Best Travel Medical Insurance for Europe from USA?

* The price shown is for a 30-day trip with a $50,000 maximum coverage and a $250 deductible for a 20-year-old traveler.

Healthcare and Medical Costs in Europe

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.

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

International Travel Health Insurance From USA

American Travel Insurance Plans and Coverage Options

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.

• Provides a refund for non-reimbursable deposits and trip costs if something prevents taking the trip between payment and departure.
• Cost of such insurance depends more on the trip cost than the length of the trip (most have maximum day limits).
• Plans available for high-cost trips (exceeding $10,000 per person, e.g., safaris, long cruises) and modestly priced trips.
• Benefits usually cover 100% of non-refundable trip costs.
  • Often reduced to 75% for the ‘Cancel for Any Reason’ benefit.
• Coverage during the trip includes:
  • Unexpected medical expenses
  • Trip interruption (if unable to complete trip due to illness, weather, etc.)
  • Trip delay (missed flights or connections, help to catch cruise if necessary)
  • Baggage loss
• Assistance for pets or children traveling with you.

When Can I Buy the Trip Cancellation Plan?

• You can buy the trip cancellation plan at any time before your travel dates.
• Since you are insuring the value of your trip, it is better to purchase as soon as possible in case something happens that interferes with your travel.
• Example: If you’ve planned a trip for next October and later find out you must be in court at that time — if you haven’t already purchased your trip cancellation plan, you will not be able to get a refund because you already know about the conflict.
• You always get a 10-day ‘free look’ period after purchasing your plan, when you buy through American Visitor Insurance.
• This allows you to review the policy and make sure it’s the product you really want, and American Visitor Insurance provides support during this period to help you understand your benefits and make any changes if needed.

Does Trip Insurance Cover Pre-Existing Conditions?

Many travel insurance plans offer a waiver of the pre-existing medical condition exclusion if you purchase your policy within 14 to 21 days of your initial trip deposit.

However, the iTravelInsured Travel LX plan gives you more flexibility and allows you to qualify for the waiver if buy the iTravelInsured Travel LX insurance within 24 hours of your final trip payment.

This flexibility provides travelers the ability to buy trip cancellation insurance with pre-existing conditions coverage up to the final trip payment. This provides valuable peace of mind and greater medical coverage for seniors with existing health conditions.

While we hope your trip goes smoothly and you stay happy and healthy, it’s reassuring to know that you’ll be protected even if unexpected issues arise — from the minor inconvenience of a missed connection to the major challenge of seeking medical care abroad or having to cancel your trip altogether.

Which is the Best Trip Cancellation Insurance for U.S. Seniors?

For senior travelers, iTravelInsured Choice Insurance from IMG is a top option. Designed for trips under $10,000 per person, it offers:

• Trip cancellation & interruption for pre-paid, non-refundable expenses
• Medical coverage up to $100,000 and emergency medical evacuation up to $500,000
• Add-ons: Cancel for Any Reason (CFAR), enhanced medical coverage, cruise protection, and sports coverage
• Pre-existing condition waiver if purchased within 21 days of the initial trip deposit

For trips over $10,000 or those seeking higher limits, iTravelInsured Travel SE and LX plans are recommended:

• iTravelInsured Travel SE: Trip costs up to $150,000, medical coverage up to $250,000
• iTravelInsured Travel LX: Trip costs up to $150,000, medical coverage up to $500,000

Both include trip cancellation, interruption, evacuation, and optional add-ons similar to Choice

For detailed guidance on choosing the right plan, check out our page on best trip cancellation insurance for seniors.

How Much Does Europe Travel Insurance from USA Cost?

Trip Cancellation Insurance

This table gives the average trip cancellation insurance cost for different ages. Approximate cost of Trip insurance plans is for a 15 days trip length and $1,000 trip cost.

Travel Medical Insurance for US Citizens Traveling Outside USA

Average one-month travel health insurance costs by age are shown in the table below.

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.

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.

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.

Travel Insurance for European Visa From USA

• If you are a non-U.S. citizen or a U.S. Green card holder traveling to Europe, you may need 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 a visa. You can call us at (877)-340-7910 if you need any help to buy travel insurance for Europe which satisfies visa requirements.

ETIAS for American Travelers to Europe

• Starting in 2025, U.S. travelers to Europe will need to apply for an ETIAS (European Travel Information and Authorization System).
• ETIAS is an electronic travel authorization system similar to the U.S. ESTA (Electronic System for Travel Authorization).However, ETIAS is not a visa.
• It is be a pre-travel clearance for short stays up to 90 days in Europe. Along with ETIAS it is important for US travelers to buy travel insurance for Europe from USA on American Visitor Insurance, since Medicare and most US health insurance plans will not provide coverage outside USA in Europe.

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.

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.

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.

What Factors Affect the Travel Insurance Cost from the US to Europe?

There are several key factors that determine the cost of Europe travel medical insurance from the USA:

What Are the Popular Tourist Destinations in Europe?

Netherlands

Spain

United Kingdom

Croatia

France

Germany

Italy

What Are the Travel Tips for Europe?

Traveling to Europe is exciting and full of variety, from historic cities to beautiful landscapes. With a bit of smart planning, you can make your trip smoother and more enjoyable. Here are key tips to help you get the most out of your visit:

• Travel Insurance : Essential for medical coverage (since non-residents aren't covered by European healthcare) and protection against lost luggage or trip cancellations.
• Money & Payments : Europe is card-friendly, but carry some cash for small purchases. Use bank ATMs for better rates, and always pay in the local currency to avoid costly conversions.
• Transportation : Trains are easiest for city-to-city travel; consider a rail pass if taking many trips. Budget airlines are cheap but strict on bags. Use apps to compare routes.
• Choose the Right Season : Best in May-June or Sept-Oct; peak crowds in July-Aug; winter is cold but great for Christmas markets and skiing.
• Know Taxes & Book Ahead : Most major cities charge a small hotel tourist tax, and top attractions (like the Eiffel Tower, Vatican Museums, Sagrada Família, Alhambra, and Anne Frank House) should be booked in advance.

Types of Travel Insurance for US Citizens Visiting Europe

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.

Annual Multi-Trip Travel Insurance for Europe from USA

• Ideal for frequent travelers such as business professionals or digital nomads making multiple international trips per year.
• The Annual multi-trip insurance for travelling to Europe provides coverage for unlimited trips within a 12-month period, with each trip usually lasting 30-90 days.
• Offers significant savings compared to purchasing separate insurance for each trip.
• Ensures continuous coverage throughout the year without needing to buy a new policy for every trip.
• Particularly useful and cost-effective for business travelers.
• Requires the traveler to have primary health insurance in their home country.

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.

Travel Insurance for US Seniors With Medicare Coverage

• 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 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

• Provides $1 million coverage up to the age of 79 years
• Provides $100,000 coverage for travelers 80 years and older
• Includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition
• Includes $25,000 coverage for emergency medical evacuation

How Do I Get Travel Insurance for Europe from USA?

Getting travel insurance for Europe online is fast, easy, and secure. Follow these steps:

Travel Insurance to Europe From USA - FAQs

Do I Need Medical Evacuation Travel Insurance for Traveling to Europe?

Which Are the Popular River Cruises in Europe?

Rhine River

Danube River

Elbe River

Baltic Sea

Group Travel Insurance for Europe