Photo © Alexander Spatari

Travel insurance for Europe

Travel medical insurance, baggage protection and trip delay coverage for single and multi-destination trips.

    Trusted by:

  • Trusted by:

Europe is a mosaic of distinctly unique nations. Landscapes vary from cliff-bound archipelagos to highland forests and isolated beaches, in countries where you can take a deep-dive into history, brave an outdoor adventure, and taste your way across the continent… all in a single trip.

Whether you’re focusing on a single country or planning to cross borders, here are some tips on how to have a safe journey and what to do if you run into a problem and need to file a travel insurance claim. 

Getting protection for your personal belongings 

While most countries in Europe are considered safe, there is always a chance of being pickpocketed or having something stolen.

Many European cities have reliable public transportation systems, which make it easy to get around, but crowded places, such as trains and buses, can also be targets for thieves.

If your wallet, purse or other personal belongings get stolen, make sure you report the incident to the local police. When you make your claim, you’ll need to submit the police report, as well as proof of ownership of the missing items, such as receipts.

Travel insurance won’t cover certain items such as cash or credit cards, but can help with the replacement of passports and other travel documents as well as other property, up to per article and maximum benefit limits.

Getting help for medical emergencies

Just because many European countries have universal health care systems doesn’t mean that non-residents don’t have to pay medical bills. Before you twist your ankle on a cobblestoned street or get into an accident on the slopes, make sure you have coverage for medical emergencies, no matter where you’re headed.

There are a lot of intricacies when dealing with medical claims, but you don’t have to muddle your way through the policy or face a crisis on your own. Our 24/7 Emergency Assistance team can clarify your coverage, connect you to health care providers, including those who speak English, monitor your care, and transfer your medical records to your physician at home as well as communicate with you directly about your case.

Adventure sports coverage

With snow-capped mountains, clear-as-glass lakes, and island gems, Europe’s diverse landscapes are perfect for adventurers who enjoy scenery as much as a dose of adrenaline.

Whether hiking in Corsica or surfing the big waves in Portugal, carefully compare our Standard and Explorer plans. The Explorer plan covers more activities than the Standard plan. View the range of sports listed in our Help Center article on adventure sports coverage. It’s important to choose the right plan from the start, because you can’t upgrade your plan mid-trip. Don’t see your sport or activity on the list? Just reach out to our customer service department and ask if you can get coverage.

Keeping safe on the road

Europe’s scenic mountain drives can pose a danger if you’re focused more on the views than the road. Turns can be tight and winding, and some of the routes may lack safety barriers or be riddled with potholes.

Different countries have different road rules, including speed limits (you may need to brush up on the metric system); you may be required to obtain an International Driver’s Permit, even if you’re already licensed in the U.S.

World Nomads’ Explorer plan offers coverage for rental car damage, but RVs, camper vans, motorcycles, and exotic vehicles are excluded. If you’re traveling to several countries in a single trip, you’ll want to check with your rental car company about its policy for border crossings.

If you get into an accident, do what you would normally do in the U.S.: obtain the name, address, insurance information and driver’s license number of any parties involved and report the incident to the police and to your rental car company. When you file your claim, you’ll need to submit your rental agreement, a police report and a damage estimate.

For country-specific road safety tips, go to our Travel Safety section.

Preparing for travel delays

With so many countries in close proximity, it’s easy to cross the border and be transported to a completely different place. But when transiting, you may want to be prepared for any potential delays.

Two things to note about World Nomads’ trip delay coverage: it starts at a minimum of six hours and the delay must be caused by a covered hazard specified in the policy, such as a road closure or a flight rescheduled because of inclement weather.

Collect and safeguard all your receipts for the expenses you’ve had to incur because of the delay, whether that be a hotel stay, dinner at an airport restaurant, or the purchase of a toothbrush and toothpaste. Try to keep your expenses to just the basics, as our plans can cover only up to a per-day and total maximum limit.

True claim

A few days into my trip to Spain, I twisted my foot heading down to the metro. Thanks to World Nomads, I was able to get medical attention. As luck would have it, I had a fracture that required surgery. I got a flight home the next day. Filing a claim was surprisingly easy. When the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
U.S resident in Spain

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $10,000
  • Standard Plan: $2,500
Trip Protection
  • Work emergency?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Explorer Plan: $100,000
  • Standard Plan: $100,000
Emergency Medical Insurance
  • Accidentally injured?
  • Need a hospital?
  • Suddenly sick?

We’ve got your back.

Emergency Evacuation

We'll provide assistance to get you to the hospital or home quickly.

  • Explorer Plan: $500,000
  • Standard Plan: $300,000
Emergency Evacuation
  • Ambulance transfers
  • Medevac flights
  • Medical escort services

Help starts here.

Protect your gear

Covers the loss, theft or damage of your bags, tech and gear.

  • Explorer Plan: $3,000
  • Standard Plan: $1,000
Protect your gear
  • Stolen I.D.s
  • Damaged luggage
  • Checked-in sports equipment

Help starts here.

  • Emergency Accident & Sickness Medical Expense
  • Repatriation of Remains
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage & Personal Effects
  • Baggage Delay (outward journey only)
  • Rental Car Damage – where permissible
  • Accidental Death & Dismemberment
  • Generali Global Assistance 24-Hour Assistance Services
  • Generali Global Assistance Non-Medical Emergency Transportation Services
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

Underwritten by:
In partnership with:

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Wherever you are, we’re here 24/7 to help you in any emergency.

Are you in need of emergency assistance right now?

Contact Generali Global Assistance:
Telephone: +1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada

Contact the team