Yes, travel insurance is highly recommended for Europe trips—and in some cases, it’s mandatory.
Let’s go step by step.
1. Is Travel Insurance Required for Europe?
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If you’re traveling to Schengen Area countries (like France, Germany, Italy, Spain, etc.) and applying for a Schengen visa, you are legally required to have travel insurance.
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The insurance must cover at least €30,000 in medical expenses and emergency repatriation.
If you’re from a country that doesn’t need a visa to enter the Schengen zone (like the U.S., Canada, UK, Australia, etc.), travel insurance is not mandatory, but still strongly advised.
2. Why You Should Get Travel Insurance Anyway
Even if you’re not required to, here’s why you should consider it:
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Healthcare costs: Some European countries have expensive medical treatment if you’re uninsured.
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Flight delays or cancellations: Insurance can cover lost money from disruptions.
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Lost luggage: Travel insurance compensates if your bags go missing.
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Emergency situations: Coverage for accidents, natural disasters, or unexpected illness.
Think of travel insurance as a safety net—you hope you won’t need it, but if you do, it can save you thousands of euros.
3. Types of Travel Insurance for Europe
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Medical coverage – Covers doctor visits, hospitalization, and medicines.
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Trip cancellation/interruption – Refunds if you have to cancel unexpectedly.
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Baggage insurance – Covers lost or delayed luggage.
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Emergency evacuation – Covers transportation during medical emergencies.
4. Cost of Travel Insurance for Europe
On average:
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Around €30–€70 per week depending on coverage, age, and trip length.
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Family packages are often cheaper per person.
5. Do You Need ETIAS Plus Insurance?
Starting in 2025, travelers from visa-free countries (like the U.S., UK, Canada, etc.) will need to apply for ETIAS (European Travel Information and Authorization System). While ETIAS itself doesn’t require insurance, having coverage is still strongly recommended.
Conclusion
So, do you need travel insurance for Europe trips?
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Yes, if you require a Schengen visa—it’s mandatory.
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Yes, even if not mandatory—because accidents, delays, or health issues can happen anytime, and insurance provides peace of mind.
In short: Better safe than sorry!
FAQs
Q1: Is travel insurance checked at European airports?
Sometimes, yes—immigration officers may ask for proof if you’re entering with a Schengen visa.
Q2: What happens if I don’t have travel insurance in Europe?
If you need medical care, you’ll have to pay out of pocket, which can be extremely expensive.
Q3: Can I buy travel insurance after booking my flight?
Yes! You can purchase it anytime before departure (and sometimes even after, but coverage may be limited).
Q4: Is European travel insurance expensive?
Not really—coverage is affordable compared to potential medical or trip cancellation costs.
Q5: Does my credit card cover Europe travel insurance?
Some premium credit cards include limited travel insurance, but check the details carefully—it may not meet Schengen visa requirements.