International Comprehensive 

Our International Comprehensive travel insurance policy, can better protect you with a variety of benefits, generous policy limits and a supportive claims team. You’ll gain access to our worldwide emergency assistance team, who are there to help 24 hours a day, 7 days a week.  
 
Our International Comprehensive travel insurance includes cover for: 

• Unlimited medical and evacuation expenses that arise due to unexpected events while on your journey
• Cancellation fees and lost deposits – increase your cover depending on the cost of your journey
• Damaged or lost baggage
• Personal items if they are stolen or damaged
• Rental car excess should you have an accident
• Emergency dental treatment
• Funeral costs
• Optional add-ons for cruise, moped and ski cover. 

Annual Multi-trip

Heading to Europe a few times this year? Or maybe you’ve got Europe, Asia and America all planned out? We know family visits, events and holidays can mean you’re not just taking one overseas trip per year, so that’s why we offer an Annual Multi-trip policy that offers the same great benefits as our International Comprehensive policy, and means that you’re covered for an unlimited number of return journeys overseas, over a period of 12-months. This can make the travel insurance process a breeze, instead of having to shop around for travel insurance on each of your trips. Europe, here we come! 

International Medical Only

Alternatively, you could opt for our International Medical Only travel insurance.  This protects you against medical emergencies and provides a cheaper alternative to our International Comprehensive cover.  

Our International Medical Only policy includes cover for:  

• Medical expenses
• Evacuation and repatriation costs
• Emergency dental treatment
• Cash allowance while in hospital
• Accompanying person
• Funeral expenses or return of mortal remains
• Loss of life
• Personal liability

What if I want to work in Europe? Check out our Working Overseas option 

From London to Amsterdam, Berlin to Dublin – Europe truly offers an iconic gap year or overseas experience, and we know how important it is to have cover during your stint in Europe. Our Working Overseas policy is designed to better protect you from the unexpected while away from home. It provides the comprehensive cover of a standard travel insurance policy, while also covering living and working abroad, with tailored benefits such as optical treatment, maternity care, rehabilitation and occupational therapy and repatriation You’ll also automatically have cover for all add-ons, such as skiing and snowboarding cover, cruise, and moped cover. 

A range of travel-related benefits are covered under the Working Overseas policy, such as medical expenses, emergency medical evacuation, trip cancellation, trip interruption, resuming your journey, lost or stolen baggage and more.  

Things to consider with Travel insurance for Europe

Does my cover include flight cancellations and delays? 

Whether it’s severe weather, volcanic ash clouds, or airline workers on strike, there are a number of ways your flight plans can be disrupted. For uninsured travellers, these disruptions can be costly and frustrating, especially when you need to extend your accommodation bookings. 
 
Our International Comprehensive, Working Overseas and Annual Multi-trip travel insurance policies include travel interruption cover, that can insure you for the additional costs of accommodation, transport and meals if your travel is interrupted for more than 12 hours. If you’re attending a special event (e.g. a wedding or concert) and your travel is disrupted by an unexpected event, we may also cover alternative transport costs to get you there on time. 

We don’t offer any cover for changes to your journey (including flight delays and cancellations) under our International Medical Only policy.  

Does my insurance cover me for medical and hospital bills? 

Whether it’s a slip and fall, a contaminated restaurant meal, or a bad bout of the flu, medical emergencies can be incredibly expensive. As well as the cost of medical treatment, you may need to pay for more spacious seats on the plane (to accommodate a broken leg, for example). Some injuries and illnesses might force you to extend your holiday, meaning you have to pay for extra accommodation and living expenses until you’re fit to fly. 
 
We understand how upsetting medical emergencies can be while you’re on holiday, which is why our International Comprehensive, Working Overseas and International Medical Only travel insurance policies can cover you for unlimited medical and evacuation expenses that arise due to unexpected events while on your journey. 

Am I covered for stolen or damaged valuables, like my phone, camera and laptop? 

Europe can feel like a well-tread and familiar place to many, however that shouldn’t make you complacent with your valuables. Pickpocketing and petty theft is common in many places across Europe, including London, Paris and Barcelona (to name a few!). We understand how upsetting it can be to have your valuables stolen overseas, which is why our International Comprehensive, Annual Multi-trip and Working Overseas travel insurance policies can cover you for loss, damage or theft to valuables that occurs from an unexpected event. 
 
What is an ‘unexpected event’? Your policy defines an unexpected event as something that was unforeseeable, sudden, unintended and out of your control. You can read more about your cover under our relevant travel insurance policy documents. 

Remember, under the International Medical Only policy, we don’t provide cover for stolen or damaged valuables.  

Do I need to declare transit stops as destinations on my travel insurance policy?

It’s a given that you’ll have at least one transit stop on your way over to Europe, so it’s important to know whether you need to declare transit stops as destinations on your travel insurance policy.  

Under our International Comprehensive, International Medical Only, Working Overseas, or Annual Multi-trip polices, you do not need to declare transit stops where you are there for less than 48 hours.  

Pre-Existing Medical Conditions 

Pre-existing medical conditions are not automatically covered under your travel insurance policy. We want to help you understand what a pre-existing medical condition is, and what you need to do if you have any, so that you know what you are covered for under your travel insurance policy for your Europe trip.  

What is a pre-existing medical condition?

We consider a pre-existing medical condition to be any illness, injury or health symptom to which all the following apply. 

• You know about it, or a reasonable person should have known about it before the date your insurance starts.
• In the 3 years before the date your insurance starts, any of the following applied:
  • You sought or received medical help
  • Someone recommended you seek or receive medical help
  • A reasonable person would have sought or received medical help
  • You were waiting for medical help