Top & Best Europe travel insurance Review 2022- How to Select Ultimate Buyer’s Guide

Europe travel insurance: How to choose the best in 2022

If you are planning a trip to a European country, you should already know that travel insurance to Europe is a mandatory item.

But having travel insurance is not enough. In the case of Europe, insurance needs to be specific.

In today’s article, we’ll show you why Europe travel insurance is essential and what criteria you should analyze to choose the best option among so many offers.

First, the most important

  • Europe travel insurance looks like a health plan, as it covers medical expenses that may occur during your trip.
  • However, travel insurance has validity conditional on the time the insured will be out of the country.
  • Travel insurance for Europe is mandatory for countries that are signatories to the Schengen Treaty.

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Best Travel Insurance in Europe: Our Recommendations

  • The most traditional insurance
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  • Ideal for older people

Hiring Guide: All About Europe Travel Insurance

For those who are going to travel to Europe, travel insurance, in addition to being essential in cases of unforeseen circumstances and emergencies, is a condition to guarantee their entry in some countries.

The fact is that travel insurance ensures that in the event of health problems and accidents, you will have the necessary assistance without having to pay a large amount of money to pay for medical and hospital services.

But the amount and type of travel insurance coverage for Europe may vary depending on the plan and the insurance company you choose. That’s why we created this Hiring Guide. Next, you will discover everything about travel insurance for Europe.

What is the difference in travel insurance for Europe?

Travel insurance establishes that, in the event of illness or accident provided for in the contract, and occurring during the period of your trip, the insurer will bear the costs of the necessary assistance and procedures.

However, if your destination is the countries of the European continent, more attention is needed when choosing. This is because, for some countries, in addition to different insurance for Europe, it is mandatory.

The explanation is simple: Europe travel insurance is mandatory for tourists wishing to enter the countries that are part of the Schengen Agreement.

This agreement provides for free movement between member countries, that is, you do not need a visa to enter them.

But among the requirements to enter these countries, which are required when you arrive in immigration, are: Proof of sufficient money to pay for your stay, reserved accommodation and travel insurance for Europe.

But it is not enough to have taken out any travel insurance. To enter Europe, you must have travel insurance with a minimum coverage value of € 30,000.

Why is travel insurance for Europe necessary?

You may have heard that immigration agents from European countries that are part of the Schengen area rarely ask tourists for proof of Europe travel insurance.

And that is precisely where the danger lies. If you trust that statement, you may risk losing your trip for two reasons.

The first reason is that if you are able to enter Europe without travel insurance and, perhaps, an emergency situation happens and you need medical attention, know that you will have to pay a large amount in Euros.

The reason for mandatory travel insurance for Europe to be at least 30 thousand euros is precisely to ensure that you can pay for possible expenses caused by medical emergencies.

But the second reason may be even worse. If immigration agents ask for 30,000 euros travel insurance for Europe and you do not have the proof to present, you may be prevented from entering the country and deported.

Did you know that it is necessary to have the mandatory travel insurance contract for Europe in hand or electronically, during the entire period of stay on the continent?

In case it is necessary to activate the insurance, you will need the contract number and the service numbers.

In which countries is Europe travel insurance mandatory?

As we have seen, insurance for Europe of at least € 30,000 is part of the requirements for visa-free entry into member countries of the Schengen Treaty.

For you to have no more doubts, check below the list of countries in Europe that require travel insurance:

Recalling that countries like Ireland and the United Kingdom (England, Wales and Northern Ireland), Romania, Bulgaria, among others, are not part of the Schengen area. So it is important to check the rules of each European country before traveling.

What precautions should you take with insurance for Europe?

An important step before closing the Europe travel insurance contract is to read the contract. Pay even more attention to those fine print that are on the policy.

The fact is that many people end up missing some clauses due to inattention or even laziness to read the small print. But the fact is that it is often where some of the most important information is located.

In order not to be caught off guard, read carefully and make sure that you agree and understand all the rules of the contract, what is and what is not included in the travel insurance coverage and the form of assistance and / or indemnity in case you need to use insurance.

How much does Europe travel insurance cost?

The price of travel insurance for Europe can vary according to the country of destination, the number of days the trip will last, the age of the insured, the coverages included in the contract and, of course, the dollar rate.


Travel insurance for Europe is not expensive.

But, in general, travel insurance for Europe is not expensive and is very cost-effective considering the expense you would incur if you needed to pay for a medical service.

To give you an idea, on a 10-day trip to Europe, travel insurance can cost between R $ 100 and R $ 200.

Where to hire travel insurance for Europe?

To hire Europe travel insurance you will have a few options. You can opt for specialized insurance companies or check if your credit card offers this benefit.

In general, credit card operators, such as Mastercad and Visa, usually make this advantage available to Premium customers.


Hiring Criteria: How to analyze Europe travel insurance

When choosing the best insurance for Europe it is essential that you take into account some factors that are responsible for differentiating one plan from another, both in terms of services offered and price.

To assist you in this step, we have listed below the main items you should review. Are they:

  • Insurance
  • Coverings
  • Price and payment method
  • Age

Below you find out how to check each of these topics and ensure that you have the best travel insurance.


The first criterion that you must assess is the reputation of the company from which you are going to take out travel insurance for Europe.

Nowadays, the offer is vast, but there is no guarantee of quality and safety by the insurer.

To ensure that the insurer is reputable and will provide good service while you are in Europe, make sure the company is regulated. it is also worth analyzing the opinions of customers who have already used the service.


Then take into account the types of cover included in Europe travel insurance. As we have seen, the type and amount of travel insurance coverage can vary widely.

It is worth mentioning, however, that travel insurance for Europe must, at any rate, offer at least the basic coverages that are mandatory.

According to the Superintendency of Private Insurance (SuSep), which regulates and supervises insurance, all travel insurance must have basic coverage, as you can see in the table below.

However, you can choose to include additional coverage, depending on your destination and the type of trip you are going to take.

You can include in your travel insurance to Europe, for example, coverage for extreme sports, assistance with chronic illnesses, as well as coverage for loss or theft of luggage and cancellation of travel.

Price and payment method

Of course, the price you will pay for travel insurance to Europe is a deciding factor in your choice.

After all, as we have seen, the value of travel insurance varies according to the coverages included, but it also depends on the insurer.

Also, note that the payment method is also diverse. You can find insurance companies that allow payment by automatic debit, credit card and / or boleto.

In the boleto, in general, you will have a discount of about 5%. On the other hand, on the credit card you have the option to pay in installments and you can still accumulate points and air miles.


Another factor that deserves your attention when taking out insurance for Europe is your age or that of those who will be traveling with you.

This is because most insurers only provide travel insurance for people up to 70 or 75 years old.

Still, there are some institutions that provide travel insurance for people up to 80 years old.



Travel insurance for Europe is mandatory and must cover expenses of at least 30 thousand euros.

If you travel without insurance, in addition to risking having to pay a large amount in emergencies, you may still be denied entry into the country.

In addition, the terms of Europe insurance and the coverages included in the contract vary widely depending on the insurer. So it is necessary to research well and read the fine print of the contract before signing.


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