Travel Insurance for Europe
Travel Insurance for Europe
Europe is a top destination for Australian travellers because of its wealth of cultures, beautiful landscapes, and gastronomy.
Australian citizens can visit most European countries in the Schengen Area for up to 90 days within 180 days without needing a visa. However, this rule doesn't apply to all European countries. For example, the United Kingdom and Ireland have different visa requirements.
Packing your European itinerary with iconic cities like Paris, London, Barcelona, and Venice is a tradition. But wherever you plan to holiday in Europe, it is important to protect yourself with quality travel insurance. Europe travel insurance provides essential medical cover with different levels of cover available to suit your needs. This includes coverage for medical emergencies, trip cancellations, lost belongings, and more. Having the right insurance means added peace of mind when you explore Europe, knowing you’re prepared for unexpected incidents.
Most Common Questions
Does your insurance cover damage to a rental cars and rental motorbikes?
Our Silver and Gold policies cover your rental car excess of up to $4000. For a rental car to be covered, you need to make sure that it is insured (confirmed by the rental company), as we do not pay for full damages to a rental car, only your excess.
Please read our full insurance policy terms for full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply.
Applies per person, per event, per claim.
You can choose the excess you want ($100, $200, $0), but be aware that this will change the price of your initial premium. Our standard excess amount is $100, but you can decide to remove or double this amount through the purchase process.
I am overseas right now – can I buy, change or upgrade a policy?
You need to be in Australia at the time of purchasing your insurance. If you are overseas, we are unable to offer you new or different insurance. You may be eligible to extend the dates of your existing cover, so shoot us an email and find out.
Do you cover flight delays after departure?
Under the Insure&Go Silver and Gold levels of cover, we will reimburse the cost of your necessary additional meals and accommodation expenses if, during a trip, any individual leg of your trip is delayed for more than 12 hours.
The amount you can claim varies depending on the level of cover that you have purchased with us. Please refer to the policy wording documents for full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply.
Do you cover pre-existing medical conditions?
A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication in the last five years. Our policies cover many pre-existing conditions; to see if we cover yours, please complete our medical assessment online or over the phone. Please note that failing to declare a pre-existing condition can void your policy.
Which destination should I select if I am flying to Europe?
If you are travelling to Europe, please select your destination as “Worldwide excluding North, Central and South America”.
Who do I contact in the event of an emergency?
For 24/7 emergency assistance, please contact us at +612 9333 3999 (reverse charge) from anywhere in the world. Alternatively, you can email us at assistance@insureandgo.com.au.
Insure&Go is part of the Europ Assistance Group, which has a global presence in more than 200 countries. With a network of over 750,000 assistance providers, Europ Assistance averages 10 million assistance interventions every year. In 2019 alone, Europ Assistance helped 1.2 million travellers worldwide.
Why Travel With Us to Europe?
Unlimited overseas medical expenses
24 hour emergency assistance
Unlimited dependent children up to the age of 18 insured for free**
Pregnancy cover for up to 30 weeks
No upfront medical certificates/assessments
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Travel Insurance for Europe
**Children (including fostered or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents. No cover is available for children who are born overseas during your trip.
What does travel insurance for Europe cover me for?
- Unlimited overseas medical expenses
- Trip cancellation for instances such as unforeseen death, injury, or illness
- Emergency medical evacuation
- Trip interruption
- Lost, stolen, or damaged bags or personal belongings
- Pregnancy cover for up to 30 weeks
- Unlimited dependent children up to the age of 18 are insured for free**
- Coverage for 90 different sports and leisure activities, including bungee jumping and snorkelling
- Option to upgrade your policy to include winter sports coverage or snow sports coverage
Please read our full insurance policy terms for full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply.
What you may not be covered for
- Government warnings: Check to make sure that any current Australian Government foreign travel alerts won’t affect your travel insurance coverage.
- Consumption of alcohol: Claims that occur while you or a covered party is under the influence of alcohol or drugs will most likely be denied.
- Motorcycles & scooters: Claims will be denied if you do not have a valid motorcycle license or if you forego wearing a crash helmet. Note that there is no cover for personal accident, personal liability, or damage to a rental motorbike for this activity.
- Unattended belongings: You will not be covered for any personal luggage or belongings if you leave them unattended in a public place, such as a beach.
- High-risk activities: Insure&Go policies automatically cover 90 different sports and activities, but make sure to check that your chosen activity is covered.
- Reporting incidents: Be sure to report any instance, such as theft or loss of belongings, within 24 hours to the appropriate authority or risk your claim being denied.
- Natural disasters: To make a claim due to a natural disaster, you must have purchased Insure&Go’s policy upgrade option, and the option must be shown on your policy. Note that there is no coverage for costs incurred relating to a natural disaster if an event is already known prior to purchasing a policy.
- Pre-existing medical conditions: Insure&Go considers all pre-existing medical conditions so long as they are reported at the time of purchase. Failure to disclose any pre-existing medical conditions may void any claim relating to that condition.
Note that you need to be in Australia at the time of purchasing your international travel insurance. If you are overseas, we are unable to offer you new or different insurance. You may be eligible to extend the dates of your existing cover, so shoot us an email and find out.
European cruise coverage
Europe is the perfect place to experience a wide variety of countries and cultures via a cruise. European cruises usually offer many ports of call, allowing you to see a variety of iconic cities without having to pack and unpack your bags. A year-round market allows travellers to book cruises more conveniently, and with Insure&Go Cruise Travel Insurance, you could have added peace of mind should anything go wrong.
Options for cruises in Europe are varied, and you have many different types to choose from. Ocean cruise liners are among the largest and most impressive ships at sea and take in some fabulous itineraries from the Mediterranean to the far north of Norway. River cruising is also highly popular, a slower and more tranquil way to take in the most historic cities and towns, voyaging along inland waterways. There are also expedition-style cruises for those who have dreamed of landscapes like the Arctic.
If your trip includes any travel by cruise ship, then select the “Cruise Option” to be covered for the land, air, and cruise part of your journey. By cruise, we refer to any travel on sea, ocean, or river by any commercially operated ship, boat, or other sea vessel for longer than two hours.
You will need to select the coverage that incorporates all the countries you are travelling to. Simply select the appropriate geographical travel plan designated for your travel destination, and the rest is smooth sailing. For cruises taking part in Europe only, you would select the geographical travel plan labelled “Worldwide excluding North and South America and Antarctica.”
Annual multi-trip travel insurance for Europe
With so many countries and so much to offer, one trip to Europe may not be enough. If you plan on taking off to Europe more than once within the year or are planning on another international destination getaway, you may wish to look into an Insure&Go Annual Multi-Trip Insurance policy for your trips to Europe.
Long-duration European Visits
With so much to see and do in Europe, you might want to spend an extended amount of time here. Insure&Go recognises that Europe is a popular destination for a Gap Year and backpacker trips, so we offer various travel insurance options for long-duration visits.
If you find you will be travelling to a destination for more than 60 days, we offer flexible One-Trip Travel Insurance, which provides cover for up to 365 days in a destination for travellers aged 64 or under.
Insure&Go’s Annual Multi-Trip Travel Insurance offers a convenient and cost-effective way to stay covered year-round. Whether you’re a business traveller or a globetrotter, this policy provides added peace of mind for multiple trips within a 12-month period.
Our Annual Multi-Trip (AMT) policy is designed for those taking unlimited international trips over a year, with trip duration options of 30, 45, or 60 days. It’s ideal for frequent flyers who want comprehensive coverage without the hassle of purchasing insurance for each trip.
Natural disaster coverage for Europe
Although Europe is not prone to the frequency of natural disasters in destinations like Asia or America, natural disasters do occasionally occur, such as the Mt Eyjafjallajokull eruption in Iceland, which disrupted air travel across the continent for months after the volcano blew. Other than volcanic eruptions, natural disasters that have been known to occur in European countries include floods, forest fires, landslides, and earthquakes. Insure&Go offers an option to take out Travel Insurance for Natural Disasters to protect you in the event an unforeseen disaster should occur.
To make a claim due to a natural disaster, you must have purchased this policy upgrade option, and the option must be shown on your policy. Please note that there is no coverage for costs incurred as a result of a natural disaster event that is known prior to purchasing or upgrading the policy. If there is a known natural disaster event, it will be mentioned prior to payment on our website and over the phone by our agents.
Winter sports coverage for Europe
Europe serves up some of the world’s finest white powder with some of the most notable ski resorts in countries like France, Austria, and Switzerland. Classic European ski resorts include Zermatt, Gstaad, and St. Moritz in Switzerland, Chamonix, Val-d’lsere, and Courchevel in France, and Cortina d’Ampezzo in Italy.
Insure&Go offers the option of adding Winter Sports Insurance at competitive rates. Selecting this policy upgrade option will provide coverage for fourteen types of winter sports activities, including things like ski gear and ski passes.
Guides to Help You Travel to Europe
Planning a trip to Europe? Check out these helpful guides to make the most of your journey. Find out why Europe in autumn is a fantastic idea, or explore the vibrant European carnival celebrations and many more. These articles offer valuable insights and tips for a memorable European adventure.
Single-Trip Travel Insurance PDS – 20/01/2026 
Cruise Travel Insurance PDS – 20/01/2026 
Annual Multi-Trip Travel Insurance PDS – 20/01/2026 
