Whether you’re planning a Parisian city break or beach holiday in the Canary Islands, Europe offers a diverse range of destinations for every type of traveller.
While holidays to France are all about culture and great food, trips to Iceland allow you to see Europe’s wilderness and wildlife at its best – you can even witness the majestic beauty of the Northern Lights! Alternatively, you can take a trip as far away as Russia, and learn more about the country’s history, or be mesmerised by the grandeur of the Red Square. If you’d rather shop until you drop, try Milan’s gorgeous designer boutiques.
With so much choice, it can be hard to pick just one destination, which is why interrailing has become so popular. You can leave with your backpack and explore everything this beautiful continent has to offer on one trip. If you’re taking an extended break in Europe, then our Backpacker insurance could be a good fit.
Below is some more information about our insurance products, for which Terms and Conditions apply. Please visit the policy information hub for full details.
Why do you need travel insurance for Europe?
You may think that travel insurance isn’t as important when you’re staying closer to home, but the truth is, things can still go wrong.
For example, your flight might be cancelled, your luggage may be lost, or your valuables could be stolen by pickpockets at busy tourist attractions. Thankfully, travel insurance can help protect you against these risks and more. Accidents can happen wherever you are but, with European travel insurance, you’ll have peace of mind knowing that you’re protected if something doesn’t go to plan.
What does our European travel insurance cover?
At Allianz, we offer a level of insurance that’s appropriate for most travellers. You can choose either a Single Trip, Annual or Backpacker policy, depending on how you travel. You can also choose between our Bronze, Silver or Gold levels of cover.
Depending on which policy you choose, you’ll be protected against:
- *Not available with Bronze cover
- **Only available with Gold cover
- Terms and Conditions apply.
We also offer a number of add-ons that can help protect you from more specific risks on holiday. If you’re heading to one of Europe’s many beautiful ski resorts, then our Winter Sports and Ski insurance will allow you to hit the pistes with confidence. Or, if you’re looking to play golf in the sunshine, then take a look at our Golf insurance, which can help protect you and your clubs. Alternatively, if you’re getting married in Europe, our Wedding insurance can help protect the most important parts of your big day.
Frequently Asked Questions
What countries are included in European travel insurance?
Our European travel insurance covers all of Europe* and some destinations outside mainland Europe, such as Turkey. Countries covered by our European travel insurance include:
If you’re staying close to home, then you can choose ‘UK/Ireland’ as your area of cover. This will provide you with cover if you’re travelling to somewhere else in the Republic of Ireland, the UK, the Channel Islands or the Isle of Man.
*Please note that you will not be covered if you travel to a country or region that the Department of Foreign Affairs has advised against all travel, or against all but essential travel.
Do I need travel insurance if I have an EHIC card?
If you’re travelling within the European Economic Area (EEA), then an EHIC card is an important document to have. However, it is not a replacement for European travel insurance.
The card entitles you to cheaper (or sometimes free) emergency treatment in a number of EEA countries. Although the card entitles you to the same treatment as local citizens, you should be aware that many countries will not pay the full cost of healthcare for people who have a card, so you may still have to pay for some parts of your treatment. Similarly, the EHIC does not cover any medical treatment in a private hospital or clinic, the cost of additional accommodation or the cost of bringing you back home.
For this reason, you should still take out travel insurance for Europe. This way, your medical bills will be included in your cover, and you’ll also be covered for things like cancellations, delayed flights and delayed personal possessions.
I'm holidaying in Ireland; do I still need to buy travel insurance?
If you’re taking a holiday in Ireland, travel insurance is still important. Although you won’t need health insurance because you still have access to public healthcare, your European travel insurance will still cover things like cancellations, lost luggage and stolen possessions.
I'll be driving in Europe; is there anything I should be aware of?
If you’re travelling around Europe by car, then you’ll need an International Driving Permit (IDP) in some European countries. This will allow you to drive a private motor vehicle abroad when accompanied by a valid driving licence. It is valid for one year from the date of issue and you can apply online. You should also notify your vehicle insurer that you’ll be taking your vehicle out of the Republic of Ireland, and ensure you’re adequately covered for your trip.
Before you travel, you should also purchase our European Breakdown Cover. This way, if you’re unfortunate enough to breakdown on your journey, we’ll get you back on the road as quickly as possible. If we can’t fix your car within 4 hours, we’ll do all we can to get you back on your journey with a courtesy car, onward rail fare or overnight accommodation.
Before you set off, you should also check what extra equipment you may require in the countries you’re driving in. This may include items like a breathalyser, a reflective jacket, a warning triangle or snow chains and winter tyres. These can vary depending on the country you’re driving in, and the time of year you’re travelling.
While you’re away, you should always carry your driving licence, IDP (if required), original vehicle registration document and passport. You should also display the IRL national identification letters on your vehicle (and any caravan or trailer you are towing) when travelling outside the EU. Depending on where you’re travelling to, you may also need to display an emissions sticker on your windscreen.
Check the rules and regulations for the countries you’re visiting carefully before you travel to make sure you have everything you need.
Find the perfect insurance for your European holiday
Backpacking is a great way to fuel your sense of adventure. If you’re under 35 and considering backpacking – whether in Europe or across the globe – then our Backpacker travel insurance could be the perfect fit.
Holidays are the perfect time to get the adrenaline pumping, and our Winter Sports and Ski insurance can help you hit the pistes with confidence
Our Annual travel insurance can protect you for multiple trips across multiple destinations over one year, so you can discover Europe without needing to take out a new policy every time you travel.
Whether you’re taking a beach break in France, heading away to learn more about Rome’s history or taking the kids to Disneyland Paris, you can put the whole family on the same policy..
If you’re travelling just the once this year, our Single Trip insurance can protect you. From Milan to Moscow, we’ve got you covered.
.png)
From Le Golf National to La Manga, Europe is home to some of the world’s finest golf courses. When you take out our Golf insurance for your trip, your golf equipment is protected.
Products
Help and Advice
About Us
.png){kind=icon}