Cruise cover
Tailored to specific risks such as multiple destinations, cabin confinement, missed departure, unused excursions and emergency airlift.
European travel insurance
Compare quotes for European holiday insurance.
Complete a purchase and earn a reward up to £5 with super save club logo
Compare holiday insurance quotes from 55^ trusted UK providers
Find tailored travel cover at the right price by comparing deals from the UK’s leading travel insurers.
Do I need travel insurance for Europe?
Travel insurance helps cover the cost of a whole range of unexpected events while you’re travelling - from sudden illness and accidents to transport delays and crime.
European holiday insurance isn’t a legal requirement. But it’s worth considering if you’re travelling on the continent because the right cover can offer you a financial safety net if you suddenly face:
Medical costs due to accident or illness
Repatriation back to the UK
Delay, cancellation or trip curtailment
Theft or loss of your baggage, belongings or travel documents
What countries fall under European travel insurance?
European travel insurance usually covers all 27 EU member states, including popular destinations such as France, Spain, Italy, Greece and Germany.
Many policies also extend to non-EU countries such as Switzerland, Norway, Iceland, Liechtenstein, Türkiye (Turkey), Monaco, San Marino and Andorra.
However, different insurers define ‘Europe’ differently. Always check your destination is covered by your insurer before buying European travel insurance.
➡️ If you are planning to travel outside of Europe, you need worldwide cover
➡️ If you are planning to be away for over 30 days you may need backpackers insurance
Am I covered by my GHIC card?
The Global Health Insurance Card (GHIC) covers you for emergency healthcare in the European Union (EU) – but only in state-run medical facilities.
You still need insurance to cover things like repatriation, as well as other risks like cancellation and loss or theft of belongings. Travel insurance would also cover private treatment if necessary.
The UK Foreign, Commonwealth & Development Office (FCDO) recommends holidaymakers take out a travel insurance policy even if they have a GHIC.
💡 Top tips:
Some travel insurers will insist you have a GHIC to cover you for medical costs in Europe, and may not fully cover your claims if you do not.
If you are a UK resident, you can apply for a GHIC for free on the NHS website.
You can also still use your European Health Insurance Cards (EHICs), which the GHIC replaced, until it expires.
How much is travel insurance to Europe?
You can take out single-trip travel insurance or multi-trip travel insurance. In general, if you take more than two trips per year, an annual policy works out cheaper.
What's the average cost of European travel insurance?
£25
.46^
What's the cheapest price I could pay?
£9
.84^
10% of our customers paid this price or less for European cover. You may be able to find cheaper single-trip insurance for specific countries.
The cost of travel insurance is impacted by:
Length of your trip
If you choose a single trip policy, the length of your holiday will affect the cost of your travel insurance.
Destination
Insurers charge more for travel to certain destinations, usually due to higher healthcare costs or greater risks.
Your age
The cost of travel insurance increases as you get older due to the higher risk of claims, although it's still possible to find affordable travel cover for over 70s.
Your health
You might pay more for travel insurance if you have a pre-existing health condition. This is because there is a higher risk of you making a claim.
Destination | Average price | Price from |
|---|---|---|
Spain | £14.30^ | £1.34^ |
France | £14.18^ | £0.73^ |
Italy | £10.01^ | £1.08^ |
Portugal | £11.79^ | £1.11^ |
Germany | £7.45^ | £1.05^ |
Turkey | £18.71^ | £3.16^ |
What's covered by European holiday insurance?
🚩 What’s covered can vary depending on your provider and policy. Always check your insurance documents.
-
Covered
Emergency medical cover: emergency medical treatment and emergency transport home if needed
Stolen or damaged baggage: reimbursement for your belongings if they are stolen or damaged
Holiday cancellation: protection for cancelling your holiday if you are no longer able to travel
Personal liability: cover if your actions injure a third party or damage their possessions
-
Not covered
Pre-existing conditions: Common conditions are covered as standard, others are excluded or increase premiums
Drugs and alcohol: Any incidents involving drugs or alcohol are unlikely to be covered by your insurance
Missed departure: You'll only be covered for missed departure in an emergency
High-risk activities: Adventurous activities can often be covered by optional adventure sports cover – check your policy before taking part
Our expert says…
It can be tempting to leave out travel insurance when travelling in Europe, especially if you have a GHIC card. But it can’t help if your wallet is stolen or you have to cancel your trip due to a sudden emergency before you’ve even set off.
It’s always worth considering how you’ll cover the cost of unexpected events - especially for things like repatriation that can result in huge bills - if you don’t take out travel insurance. Suddenly a few pounds spent on a travel policy can seem a cheap price to pay.
Jake Edmonds Travel & Commercial Insurance Expert
What policy add-ons can I include?
Travel insurance providers offer a range of different options to suit your circumstances and holiday plans.
Common add-ons for European travel insurance policies include:
-
-
Golf cover
Protection from risks unique to golf holidays such as theft of golf clubs, replacement club hire, non-refundable green fees, personal liability and damage to a third party.
-
Winter sports cover
Specialised insurance for skiing or snowboarding includes mountain rescue, piste closures, lost lift pass, avalanche disruption and activities like snowmobiling.
-
Adventure sports
Financial reassurance for more extreme activities like scuba diving, quad biking, water sports and hiking.
-
Business travel cover
Includes business equipment, company money, and alternative travel or accommodation for schedule changes.
-
Gadget cover
Extra protection for expensive individual gadgets and electronics, such as phones or laptops.
-
Excess waiver
Standard travel insurance includes an initial excess. An excess waiver means you receive 100% of any claim amount.
-
Backpackers
Cover for extended trips including multiple destinations.
Why compare travel insurance quotes with MoneySuperMarket?
-
Quotes from 60^ UK insurers
All our insurance providers are authorised and regulated by the Financial Conduct Authority (FCA).
-
Rated 4.9/5 on Feefo
We're also the UK's most recommended price comparison website
^ . -
Quick and easy
Give us a few details and we'll show you multiple quotes in minutes, saving you time and effort.
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Want rewards, cashback and free experiences? We've got you....
-
Earn up to £20^ every time you buy
We’ll reward you every time you make a purchase. Exchange your earnings for a gift card for Amazon.co.uk
^ , Sainsbury’s & more -
Free experiences
A years worth of free experiences across the UK. From London Zoo and Go Ape, to Hussle Swimming and English Heritage, there’s an adventure for everybody. Worth £180
^ . -
Cashback
Whether you're buying clothing, homewares or takeaways, earn up to 10%
^ cashback from brands like Just Eat, eBay & Argos. -
Refer a Friend
You and your friends each get up to £20 when they join the Club and make a qualifying purchase. Win-Win!
Do I need different travel insurance for Europe following Brexit?
What documents do I need to travel to Europe?
The rules for travelling to Europe have changed for UK citizens. There are now limits on how long you can remain in the EU, and you may need a visa if you're planning a longer trip or travelling for purposes other than leisure.
You can check GOV.uk for further information.
If you plan to drive, you will need to bring a valid UK driving licence with you. You typically don't need an international driving permit to drive in EU countries.
It's always worth taking a copy of your travel insurance documents with you, including the contact information for your provider. This will help you make a claim if you need to and remind you of what your policy will cover.
When should I start my European travel insurance policy?
You can take out a last-minute travel insurance policy right up until the day you leave on holiday to Europe.
But with a policy in place as soon as you book your trip, you may be covered for part or all the cost of cancelling your holiday before you leave if you have to due to illness, job loss or bereavement, for example.
Check the wording of the travel policy before you buy as not all insurers cover cancellation – and where cancellation is covered, the terms and conditions can vary widely between providers.
How long can I stay in Europe on holiday?
You can travel into and around the Schengen Area, which includes most EU countries, for up to 90 days in any 180-day period without needing a visa, regardless of how many countries you visit during that time.
You may need a visa or permit to stay in Europe for longer or to work or study, or for business travel. Check the GOV.UK website for more information.
How does MoneySuperMarket create and review the content on the website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is travel insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy travel insurance through MoneySuperMarket.
This includes:
Up to £5
^ , which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.ukFree Days Out pass (worth £180), which gives free entry to a range of UK attractions (you must download our app to get this)
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is travel insurance eligible for Price Promise?
Yes, travel insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £20
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 15 Dec 2025 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
Data based on the average price of travel insurance sold through MoneySuperMarket to Spain in November 2025.
Data based on the minimum price of travel insurance sold through MoneySuperMarket to Spain in November 2025. Prices vary based on your personal details & circumstances.
Data based on the average price of travel insurance sold through MoneySuperMarket to France in November 2025.
Data based on the minimum price of travel insurance sold through MoneySuperMarket to France in November 2025. Prices vary based on your personal details & circumstances.
Data based on the average price of travel insurance sold through MoneySuperMarket to Italy in November 2025.
Data based on the minimum price of travel insurance sold through MoneySuperMarket to Italy in November 2025. Prices vary based on your personal details & circumstances.
Data based on the average price of travel insurance sold through MoneySuperMarket to Portugal in November 2025.
Data based on the minimum price of travel insurance sold through MoneySuperMarket to Portugal in November 2025. Prices vary based on your personal details & circumstances.
Data based on the average price of travel insurance sold through MoneySuperMarket to Germany in November 2025.
Data based on the minimum price of travel insurance sold through MoneySuperMarket to Germany in November 2025. Prices vary based on your personal details & circumstances.
Data based on the average price of travel insurance sold through MoneySuperMarket to Turkey in November 2025.
Data based on the minimum price of travel insurance sold through MoneySuperMarket to Turkey in November 2025. Prices vary based on your personal details & circumstances.
The number of providers for travel insurance in December 2025
Data based on the median price of travel insurance sold through MoneySuperMarket to Europe in December 2025.
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information
The number of providers for travel insurance in August 2025
Data based on the 10th percentile price of travel insurance sold through MoneySuperMarket to Europe in December 2025.