Our Pick Of The Best Travel Insurance For Europe

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Given that medical treatment in Europe can be very costly, a high level of medical cover is crucial.

Travel statistics compiled by Forbes Advisor using data from the Association of British Insurers (ABI), show that British holidaymakers travelling to Spain made the highest number of medical claims last year at 20,000.  This compares to 10,520 for those visiting the US, 8,492 for Greece and 7,480 for France.

So what should you look for in a policy that covers Europe? Hospital treatment can be costly, so you’ll need a high level of medical cover. Around £2 million is a good guide. The policy should include repatriation which is the cost of getting you home if you get injured or ill.

When it comes to cancellation and delays, around £2,000 is considered a decent minimum level of cover, while for baggage and personal belongings look for cover no less than £1,500. Personal liability (in the event you injure another person and they sue you for damages) should ideally be a minimum of £1 million.

Depending on the provider, other types of protection may be included. For example:

  • Travel delay, in the event an emergency such as industrial action delays your departure
  • End supplier failure, in case the travel company or hotel goes bust
  • Scheduled airline failure, should the airline go into administration
  • Personal accident cover, if you are injured or die abroad
  • Hospital benefit, for essentials such as meals and drinks, if you hospitalised during your trip
  • Personal money cover, if you lose cash while away
  • Gadget cover, which protects devices, such as smartphones and laptops.

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