It’s now easier than ever to travel all across Europe unrestricted, but this has also meant having good European travel insurance is more important than ever. With the EU now having a total of 27 interconnected member countries, now is the time for easy travel between some of the most culturally and historically rich cities in the world like Rome, Paris and Berlin. If you’re a resident of the UK, no doubt destinations on the continent will be at the top of your list when it comes to holiday time.
If you’re going to be taking advantage of cheap flights or a rail pass in order to see as much of Europe as possible, you need to ensure you have a comprehensive plan that will cover all the activities you want to engage in, in all of the countries you want to visit.
Travel Insurance for Europeans
Most companies offering travel insurance tailored to Europe offer two options: plans for European residents traveling either within Europe or elsewhere in the world, and plans for people outside the EU who will be coming there on vacation. If you live within the EU then you’ll need to find a plan which gives you the freedom to undertake the kind of trip you have in mind.
The options open to you include:
Longstay travel insurance – if you’ll be staying in one country for most or all of your trip. This is usually the kind of plan to go for if you’re backpacking and you’ll be traveling for more than 2 months.
Multi-trip annual insurance – great if if you’re likely to be taking more than one holiday in a year – in other words if you’ll be taking separate trips, rather than one big trip in which you visit many countries.
Short stay single trip insurance – ideal for a short holiday during which you’ll only be visiting one other country
The other common policy you’ll see offered is winter sports cover. If you’re planning on a skiing or snowboarding expedition in the Alps, this type of policy is a must.
Travel Insurance for Visitors to the EU
Some companies, like Worldwide Travel Insurance, focus their plans specifically on catering to Europeans and visitors to Europe. If you’re not a European or UK resident and you’re going to be traveling within the EU, a company like Worldwide can provide health insurance plans as well as group insurance.
If you want something a little more comprehensive, you’ll need to consider exactly what you’ll be doing in Europe and find a policy that caters to your plans. Will you be traveling by train or plane? Will you be hiring a vehicle? Will you be playing golf or skiing? Are you traveling for a specific occasion, like a wedding? These are all factors that will play a role in the type of European travel insurance policy that works best for you.
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