Travel Insurance Plans for Your Trip to Europe

Whether you’re skiing, hiking, relaxing on the beach or discovering historic cities, Travel Guard can provide coverage across a wide range of covered activities and destinations.

No one likes to imagine getting sick or injured while traveling but preparing for the unexpected can make all the difference. Medical care in Europe can be costly for U.S. travelers, and an illness or accident could leave you facing high out-of-pocket expenses. A Travel Guard travel insurance plan can help reimburse certain covered emergency medical costs, so you can get back to making the most of your journey.

Our plans can also help with other common travel disruptions, such as trip cancellations, delays or lost baggage. And if you’re applying for a Schengen visa, proof of travel insurance is required - Travel Guard plans can help meet those requirements.

Planning to visit several countries in one trip? With Travel Guard, you’ll have support every step of the way.

A longer vacation with multiple travelers may cost more than a short getaway and choosing a plan with higher benefit limits will also affect the price.

While the cost of coverage is just a small percentage of your overall travel budget, it can help protect your much larger travel investment. From prepaid flights and hotel stays to tour packages, your travel insurance plan can help you recover certain prepaid, nonrefundable expenses if your plans are disrupted.

With Travel Guard, you can compare different plans side by side to find the right balance of coverage and cost for your needs. That way, you’ll know you’re getting value from your travel insurance plan, as well as greater peace of mind for your trip.

If you’re applying for a Schengen visa because you’re traveling in Europe for longer than 90 days or are planning to live, study or work there, then yes, having a travel insurance plan is mandatory. For all other trips to Europe, no, it’s not a requirement, but it is highly recommended.

Many U.S. health insurance plans may not have international coverage. To make sure you don’t risk having to pay hefty emergency healthcare bills, having a travel insurance plan is essential. The U.S. Department of State recommends travel insurance that covers health, medical evacuation and trip cancellation, to help protect you against unexpected expenses.

Travel Guard travel insurance plans are designed to cover you when traveling outside the United States, including trips to Europe. Instead of offering one single “worldwide” plan, we provide a range of options that can be tailored to your individual trip details, like your destination, travel dates, and the level of coverage you want. That means if you’re planning a European vacation, you can select a plan that includes the coverages you may need, such as  medical expense coverage, trip cancellation or interruption, and 24/7 assistance services.

The best travel insurance plan for Europe depends on your trip and personal needs. Travel Guard offers several plan options, from more economical choices with essential benefits to deluxe plans with higher coverage limits and extra assistance services. Factors like trip cost, activities planned, and whether you need Schengen visa–compliant coverage may influence which plan is right for you. Comparing plans side by side can help you find the best fit for your European journey.

Travel Guard plans are available for travelers of many ages, including older adults. While age can affect the price of coverage there is no single cut-off that applies to every plan. Some plans may include optional upgrades, such as a pre-existing medical condition exclusion waiver, which can be valuable for older travelers. The easiest way to check your options is to get a quote with your trip and traveler details.