Best Medical Insurance for Travel to Europe From USA
Can Americans Get Travel Insurance for Europe From USA?
Europe is well known for some of its world-famous tourist destinations. Traveling to Europe is exciting but can be a costly affair without pre planning for unforeseen situations. These could be related to medical expenses in case of any emergency or need of medical help. Travel Insurance for Europe from the USA for US citizens traveling outside their home country can be a great life saver during such situations.
Travel Insurance provides protection for unexpected sickness and injury, emergency evacuation, repatriation, and other medical incidents. It also covers the expenses for baggage delay, flight delay, trip interruption, loss of baggage...
For the trip cancellation benefit, the covered reasons include:
- Death of an immediate family member
- Serious injury or illness to you, close relative or travel companion
- Sudden family emergency
- Loss of job
There are "Cancel for any reason" plans available with partial reimbursement for flights and hotel booking in case of delay in the flight. Lodging and other prepaid non refundable expenses can be claimed in such cases..
For stays longer than 90 days, US citizens will need to apply for a visa and will need proof of travel health insurance for Europe from the USA that meets requirements. Other nationalities need international insurance coverage even if they intend to stay fewer days.
The requirements for the visa while not particularly strict (we have many international policies which can meet and/or exceed their requirements) can be cumbersome to find.The requirements by European Schengen country state consulates that can be difficult to meet are the following:
- Insurance company must have an office in the EU
- You need coverage for repatriation (return of mortal remains)
- Coverage for emergency medical evacuation, and finally
- You need a letter from your insurance company spelling out your coverage. (The requirement for maximum (€30,000) is generally not a problem with US policies).
Most often, US insurance companies refuse to provide the letter needed (#4) even though they may actually meet other requirements. Many policies, however, do NOT cover for repatriation and emergency medical evacuation nor have a foreign office in Europe. Also, our US customers may be surprised to find out that Medicare will not pay for services rendered outside the US (except under extremely limited circumstances).
The requirements of US citizens for the long term European visa are exactly like those for the Schengen visa for non-US citizens, so any plans we sell for a Schengen visa will work for you. Furthermore, they are very economically priced and are guaranteed (no medical tests or questions). Best medical insurance while traveling in Europe can be purchased with a credit card and you will immediately (or within the hour) have access to the required Schengen visa letter (unless you are purchasing from the lovely state of Maryland, in which case we will need at least 2 business days to get your letter).
After purchasing the insurance, make sure you have access to the receipt and the soft copy of the insurance along with the ID Card which will be very useful while filing a claim. Traveling to Europe has never been easier and more exciting! Enjoy the Europe trip with sufficient coverage from the travel insurance for Europe from the US.
Travel Insurance for US Citizens Visiting Europe
Moreover, Europe is ranked among the top travel destinations for people from the U.S. If you were going for a vacation, business, studying, or a multi-country European tour, it would be very wise to have the proper travel insurance. Healthcare in a foreign country is costly, and the majority of U.S. health insurance plans, including Medicare, provide very limited or no coverage at all outside the U.S.
At American Visitor Insurance, we make it easy for U.S. travelers to compare the leading travel insurance plans, understand the coverage benefits and select the policies that best meet their trip requirements.
This page explains why U.S. citizens should consider travel health insurance for Europe, what benefits to look for, and which plans work best.
Do US Citizens Need Travel Insurance for Europe?
Travel insurance for US citizens visiting Europe is not mandatory, but it is highly recommended. Choosing the best travel medical insurance for Europe ensures that you are protected against medical emergencies, hospitalization, emergency evacuation, trip cancellations, and lost or delayed baggage. With the right coverage, US travelers can explore Europe with confidence and complete peace of mind.
What Does Travel Insurance for US Citizens Traveling to Europe Cover?
For US citizens travelling to Europe, it is wise to think of the best medical insurance for travel to Europe as a necessity. Even though travel insurance is not a requirement for US citizens who are entering the Schengen Area, it is highly recommended because healthcare can be very costly in Europe. The following are some major features that you have to look for when selecting your insurance:
- Medical Coverage: Make sure that the plan provides excellent medical services like emergency medical treatment, hospitalization, ambulance services and emergency medical evacuation. Hospitalization or other emergency medical situations could incur high costs in Europe because the prices of medical services are usually very high.
- Trip Cancellation and Interruption: Look for policies that provide coverage for trip cancellation and interruption due to unforeseen circumstances, such as illness or death in the family.
- Pre-Existing Conditions: In case you have any chronic health problems, go for a policy that guarantees coverage for the acute onset of pre-existing conditions since many regular plans do not cover these conditions.
- Baggage and Personal Effects: Pick a policy that provides cover for lost, stolen or delayed baggage including payment for personal items, clothing and other necessities you may need in case your luggage is already delayed or lost.
- Activities and Sports Coverage: If your plan includes skiing, snowboarding, hiking or any other adventurous activities, make sure the policy offers sports or adventure activity coverage.
What Are the Best Travel Insurance Plans for US Citizens Visiting Europe?
US citizens traveling to Europe can choose from two main types of protection: travel medical insurance and trip insurance. Travel medical insurance focuses on covering medical emergencies abroad, while trip insurance offers broader protection for prepaid trip costs along with medical benefits. At American Visitor Insurance, we offer a range of highly rated plans that provide strong coverage for different types of travelers.
Travel Medical Insurance Plans (Medical-Only Coverage)The best travel medical insurance for Europe is Patriot International Platinum and Intermedical. Other top plans are Travel Medical Choice, BCBS Single Trip Platinum, and HTH TravelGap Voyager from American Visitor Insurance. If you are looking for affordable travel health insurance for Europe, consider Atlas International or Patriot International Lite. These plans are ideal for travelers who want medical coverage during their trip to Europe. They include emergency medical treatment, hospitalization, emergency evacuation, and coverage for the acute onset of pre-existing conditions. Popular travel insurance for Europe include:
Patriot International Platinum Insurance
Patriot International Platinum Insurance- Patriot International Platinum is a first-class travel medical insurance for U.S. citizens traveling to Europe, offering $8 million in maximum coverage, comprehensive worldwide protection, and acute onset of pre-existing conditions coverage up to age 70.
- Patriot Platinum travel insurance for us citizens visiting Europe cost starts from $179 per month for a 50-year-old traveler, with a policy maximum of $1,000,000 and a $250 deductible.
Intermedical Insurance
Intermedical Insurance- InterMedical is a best travel insurance for us citizens traveling to Europe, providing coverage for medical emergencies outside your home country (but not in the U.S.). It offers comprehensive international medical benefits and emergency medical evacuation for trips lasting 5 to 364 days, including protection for the acute onset of pre-existing conditions, making it an excellent choice for travelers going abroad.
- Intermedical travel insurance to Europe cost starts from $105 per month for a 50-year-old traveler, with a policy maximum of $50,000 and a $250 deductible.
Travel Medical Choice Insurance
Travel Medical Choice Insurance- Travel Medical Choice is one of the best medical insurance for travel to Europe from the USA. It offers strong coverage for emergency medical care, including acute onset of pre-existing conditions (including cardiac conditions) up to age 79. The plan also provides emergency medical evacuation, repatriation, and the option to add adventure sports coverage for active travelers.
- Travel Medical Choice travel health insurance Europe cost starts from $157 per month for a 50-year-old traveler, with a policy maximum of $50,000 and a $250 deductible.
BCBS Single Trip Paltinum Insurance
BCBS Single Trip Paltinum Insurance- BCBS Single Trip Platinum is a premium best medical insurance for travel to Europe from the USA. Powered by GeoBlue and backed by the Blue Cross Blue Shield Global network, it offers strong emergency medical coverage, medical evacuation, and limited pre-existing condition benefits. The plan requires an active U.S. primary health insurance policy, making it an excellent high-quality option for U.S. travelers seeking reliable medical protection in Europe.
- BCBS Single Trip Platinum insurance cost starts from $87 per month for a 50-year-old traveler, with a policy maximum of $50,000 and a $250 deductible.
HTH TravelGap Voyager Insurance
HTH TravelGap Voyager Insurance- HTH TravelGap Voyager is a top-rated travel medical insurance for Europe from USA, offering robust international medical coverage, including emergency treatment, hospital care, and medical evacuation. Backed by the trusted HTH Worldwide network, it provides limited pre-existing condition benefits and requires an active U.S. primary health insurance plan. This makes it an excellent choice for U.S. citizens seeking dependable, medical-only coverage for short trips to Europe.
- HTH TravelGap Voayger insurance cost starts from $87 per month for a 50-year-old traveler, with a policy maximum of $50,000 and a $250 deductible.
Safe Travels Outbound Insurance
Safe Travels Outbound Insurance- Safe Travels Outbound insurance is great for U.S. citizens and residents traveling to Europe, this plan offers coverage for trip delays, lost or delayed baggage, and medical emergencies. It also provides protection for the pre-existing conditions, with a specified look-back period, ensuring travelers have reliable coverage for unforeseen medical issues during their trip.
- Safe Travels Outbound travel insurance to Europe from USA cost starts from $137 per month for a 50-year-old traveler, with a policy maximum of $50,000 and a $250 deductible.
Atlas International Insurance
Atlas International Insurance- Atlas International is a budget-friendly travel medical insurance plan for U.S. citizens and residents traveling abroad. It offers essential coverage for medical emergencies outside the U.S., including emergency medical evacuation and protection for the acute onset of pre-existing conditions, making it an economical option for travelers seeking reliable international coverage.
- Atlas International Europe travel insurance cost starts from $93 per month for a 50-year-old traveler, with a policy maximum of $50,000 and a $250 deductible.
Patriot International Lite Insurance
- Patriot International Lite is an affordable travel medical insurance plan for U.S. citizens and residents traveling abroad. It provides coverage for medical emergencies outside the U.S., including emergency medical evacuation and protection for the acute onset of pre-existing conditions, making it a practical and cost-effective choice for travelers seeking reliable international coverage.
- Patriot International Lite Europe travel insurance cost starts from $94 per month for a 50-year-old traveler, with a policy maximum of $50,000 and a $250 deductible.
The best travel insurance for Europe is Itravelinsured LX. Other popular trip cancellation insurance plans for Europe from USA is Pathway Premium, Travelex Ultimate, Trip Protection Choice, Trip Protector Preferred plans from American Visitor Insurance. These plans provide prepaid, non-refundable expenses like flights, tours, or cruises, a trip insurance plan offers broader protection. These plans combine trip protection benefits with medical coverage, giving travelers more complete protection.
ITravelinsured Travel LX Insurance
- iTravelInsured Travel LX is ideal for elite and luxury travelers from the U.S. visiting Europe, whether for high-value vacations, adventure trips, or luxury cruises. The plan offers Trip Cost Coverage up to $150,000, along with premium protection benefits, extensive travel assistance services, and coverage for pre-existing waiver, providing peace of mind for every part of your European journey.
- ITravelinsured Travel LX luxury travel insurance Europe with trip cancellation cost starts from $441 for a 15-day trip for a 50-year-old traveler with a total trip cost of $5,000
Pathway Premium Insurance
- Pathway Premium is a luxury trip insurance plan for U.S. citizens traveling to Europe, ideal for high-end vacations, adventure trips, and luxury cruises. It offers Trip Cost Coverage up to $100,000 and provides robust protection for high-value trips, including extensive benefits, flexible options, and coverage for pre-existing waiver, ensuring complete peace of mind during your European travels.
- Pathway Premium travel insurance for Americans visiting Europe with trip cancellation cost starts $238 from for a 15-day trip for a 50-year-old traveler with a total trip cost of $5,000.
Travelex Ultimate Insurance
Travelex Ultimate Insurance- Pathway Premium is a luxury trip insurance plan for U.S. citizens traveling to Europe, ideal for high-end vacations, adventure trips, and luxury cruises. It offers Trip Cost Coverage up to $100,000 and provides robust protection for high-value trips, including extensive benefits, flexible options, and coverage for pre-existing waiver, ensuring complete peace of mind during your European travels.
- Pathway Premium travel insurance for Americans visiting Europe with trip cancellation cost starts $238 from for a 15-day trip for a 50-year-old traveler with a total trip cost of $5,000.
Trip Protection Choice Insurance
- Trip Protection Choice offers premium coverage for US residents traveling to Europe, ideal for luxury vacations, cruises, and high-value trips. With Trip Cost Coverage up to $100,000, it provides comprehensive protection for your travel investment, along with coverage for pre-existing medical conditions, ensuring peace of mind throughout your European journey.
- Trip Protection Choice U.S. travel insurance with trip cancellation for Europe cost starts from $280 for a 15-day trip for a 50-year-old traveler with a total trip cost of $5,000
💰 How Much Does the Best Travel Insurance Cost in 2025?
The American travel insurance cost per month can vary depending on several factors like the age, trip duration, the coverage maximum, and any additional add-ons or options you select. On average, travel insurance costs for a US citizens can range from $50 to $200 for a week-long trip, which is between 5% to 8% of the trip cost. It is recommended to compare US citizens travel insurance quotes from different insurance providers on American Visitor Insurance.
Trip cancellation insurance
The travel insurance cost is based on the age, trip length and the trip cost. There are cheap trip insurance plans starting at $24 for a 15 day trip with a $1,000 trip cost. This table gives the average trip cancellation insurance cost for different ages. Approximate cost of Trip insurance plans is for a 40-year-old traveler, 15 days trip length and $1,000 trip cost.
| Plan Name | Trip cancellation | Age 20 | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Safe Travels Protect | 100% of Trip Cost (Up to a Max. of $14,000) | $24 | $32 | $39 | $74 |
| Pathway Essential | 100% of Trip Cost (Up to a Max. of $14,000) | $24 | $33 | $53 | $76 |
| Pathway Plus | 100% of Trip Cost (Up to a Max. of $50,000) | $32 | $43 | $70 | $98 |
| Trip Protection Basic | 100% of your nonrefundable Trip Cost up to $30,000 | $34 | $47 | $70 | $70 |
| Travelex Advantage | 100% of Trip Cost (Up to a Max. of $10,000 | $36 | $42 | $62 | $87 |
| Itravelinsured Choice | 100% of Trip Cost | $39 | $50 | $73 | $110 |
| Travel Insurance Select Basic | 100% of Trip Cost | $42 | $42 | $87 | $102 |
| Safe Travels Armor | 100% of Trip Cost (Up to a Max. of $100,000) | $43 | $55 | $67 | $124 |
| Pathway Premium | 100% of Trip Cost (Up to a Max. of $100,000) | $43 | $56 | $90 | $126 |
| Trip Protector Economy | 100% of Trip Cost(Up to a Max. of $5,000) | $47 | $55 | $71 | $75 |
| Travelex Ultimate | 100% of Trip Cost (Up to a Max. of $50,000 | $57 | $69 | $91 | $125 |
| Trip Protection Choice | 100% of your nonrefundable Trip Cost up to $100,000 | $65 | $87 | $118 | $118 |
| Itravelinsured LX | 100% of Trip Cost | $102 | $114 | $138 | $171 |
Best Trip Cancellation Insurance
Review trip cancellation coverage benefits.Travel Medical Insurance
Travel insurance for travel outside the US starts as low as $20 for a month. Travel insurance provides coverage for doctor visits and emergency hospital stays while ensuring access to necessary care and financial protection against high medical costs abroad. This table gives the average travel health insurance cost for different ages.
The average cost based on the quotes for one month| Plan Name | Maximum Coverage | Deductible | Age 20 | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|---|
| Atlas Essential International Insurance | $50,000 | $250 | $20 | $40 | $86 | $263 |
| Safe Travels Outbound Insurance | $50,000 | $250 | $26 | $77 | $168 | $296 |
| Atlas International Insurance | $50,000 | $250 | $27 | $54 | $117 | $212 |
| VisitorSecure Insurance | $50,000 | $100 | $29 | $34 | $55 | $96 |
| Travel Medical Outbound USA Basic | $50,000 | $0 | $29 | $55 | $121 | $269 |
| Patriot International Lite Insurance | $50,000 | $250 | $29 | $55 | $121 | $214 |
| Voyager Essential Insurance | $50,000 | $250 | $32 | $58 | $116 | $271 |
| Diplomat International Insurance | $50,000 | $250 | $32 | $86 | $181 | $315 |
| Intermedical Insurance | $50,000 | $250 | $48 | $73 | $121 | $201 |
Source: American Visitor Insurance®
Travel Medical Insurance for US Citizens Traveling Abroad
Review travel medical insurance coverage benefits.How to Reduce the Trip Cancellation Insurance Cost?
Trip cancellation insurance is expensive as it covers high-value, unpredictable risks that can result in large financial losses for vacationers. Trip cancellation insurance covers flights, hotels, cruises, and tours bookings and reservations, which can be thousands of dollars. It covers a wide range of cancellation reasons like Illness, death in the family, natural disasters, and job loss. Some Cancel for Any Reason - CFAR travel insurance allow cancellation for any reason, often reimbursing 50-75% of trip costs. The more expensive your trip, the higher the insurance cost. Older travelers pay more because they have a higher chance of medical emergencies leading to trip cancellations.
However you can lower the cost of travel insurance without compromising essential coverage by choosing only medical coverage by entering the trip cost as $0 if you don’t need trip cancellation coverage. A travel medical plan is cheaper than comprehensive coverage and most of them offer coverage for emergency medical evacuation. You can also select lower coverage limits usually within $50,000 medical coverage which is often enough for most trips.
How Much Does Travel Insurance Cost for a Week? How much Does Travel Insurance Cost for 2 Weeks?
Travel insurance costs typically ranges between $5 to $40 for a week and $9 to $80 for two weeks. You can compare quotes using American Visitor Insurance trip insurance cost calculator. The price depends on factors such as coverage type, trip destination, and total trip cost. Basic plans are more affordable, while comprehensive options, including trip cancellation, medical emergencies, and baggage protection, tend to cost more.
How Much Does Travel Insurance Cost for 6 Months?
For a 40-year-old traveler, the cost of travel insurance for a 6 month trip typically ranges around $122 to $1,050, based different coverage options on American Visitor Insurance. The price depends on factors such as coverage levels, the destination, and the type of policy selected.
How to Choose the Best Travel Insurance for US Citizens Visiting Europe?
When selecting travel insurance for Europe, consider both travel medical coverage and trip protection based on your trip type and needs:
- Short vacation: Choose a plan that is only for medical purposes but includes emergency medical and evacuation coverage. Perfect for travelers who are worried about the healthcare facilities in another country. Recommended plan: Atlas International.
- Expensive prepaid trip: Go for a comprehensive plan that covers trip cancellation and interruption along with medical expenses. Safeguards your investment in case of unexpected changes in the plans. Recommended plan: iTravelInsured Travel LX.
- Pre-existing conditions: Opt for a plan that has a feature to cover acute onset of pre-existing medical conditions. A Must for travelers with health problems. Recommended plan: Patriot International Platinum.
- Adventure activities: Purchase sports or adventure coverage if you are going to do skiing, snowboarding, hiking, or any other high-risk adventures. Recommended plan: Travel Medical Choice and Patriot International Lite.
- Multi-country Europe trip: Make sure that the coverage includes all the countries mentioned in your travel itinerary including the Schengen Area countries. Recommended plan: InterMedical Insurance.
- Have your insurance ID card and policy docs in both digital and printed formats.
- Keep the emergency assistance number of your insurer which is available 24/7 in your phone for emergencies. If you can, inform your insurer before going to see a doctor or getting medical treatment.
- Know about the exclusions of your policy for instance, claims for alcohol-related incidents, risky sports, or travel to restricted areas.
- In case of trip insurance, keep all prepaid costs and receipts well documented to make claims for trip cancellation, interruption, or lost baggage easier.
What Are the Popular Tourist Destinations in Europe?
Venice
Venice may conjure up images of romantic gondola rides down the Grand Canal, but this European city isn't only for swooning lovebirds.
Paris
Paris, France's capital, is a major European city and a global center for art, fashion, gastronomy and culture.
Amsterdam
There's more to Amsterdam than its notorious coffee shop culture and Red Light District. Spend the day biking along the city's canals and stylish streets.
Athens
Athens was made for history buffs and architecture aficionados, but it also serves as a great European getaway for the everyday travel.
Europe Travel Insurance Reviewss
"I had a no-problem trip but Seven corners was easy to deal with in the securing of the travel insurance and dealing with a few issues prior to departure."
Karen
"I have always gotten a quick response with a live person. I placed a claim, we will see it their payment to me is as good as their customer service is."
Margaret
"Good policy options and pricing. Like to purchase high coverage for medical without covering full cost of trips - like the options Seven Corners provides."
Connie
European Health Insurance for US Citizens – FAQ's
1. Do US citizens need travel insurance for Europe from USA?
If you are a US citizen or have the nationality which does not need the Schengen visa, then travel insurance to Europe is not mandatory. However travel insurance for Europe from USA is mandatory if you need a Schengen visa or if you want to stay over 90 days in Europe.
US health insurance including Medicare provide little to no health insurance coverage outside US borders. International travel insurance provides health coverage and financial protection in case of unexpected events such as medical emergencies, trip cancellations or interruptions, lost baggage, or travel delays typically. Given that travel insurance usually costs only around 5% of the total trip cost, it is very logical for US citizens traveling overseas to buy the best travel insurance for Europe. Healthcare costs can be high in Europe, and travel insurance ensures that you have medical evacuation if needed and access to good medical assistance and treatment.
2. Do I need travel insurance for Europe?
Travel insurance for Europe is not legally required for U.S. citizens visiting for short stays, but it is highly recommended. Most U.S. health insurance plans, including Medicare, offer little or no coverage outside the United States. Travel insurance provides protection for medical emergencies, emergency medical evacuation, trip interruptions, lost baggage, and other unforeseen events, ensuring peace of mind while exploring Europe. Choosing the best travel insurance for Europe from American Visitor Insurance helps U.S. travelers stay protected and financially secure during their trip.
3. Which is the best European health insurance card for US citizens?
We have different well known travel insurance for US citizens traveling to Europe that we recommend, specifically if you need a letter in order to get your Schengen tourist visa for Europe. The cheapest plan will depend on the age(s) of the traveler. We have designed our website to help customers choose the exact plan that is most economical and appropriate for them. You can compare Europe travel insurance quotes by filling the travel dates and travelers ages in the quote form on our website.
4. Does US insurance work in Europe? Does American health insurance work in Europe?
Unfortunately, the domestic US insurance plans have very little coverage outside US national borders and you must be aware of this. You may want to check with the current US domestic insurer for more details.
5. What kind of insurance do I need to travel to Europe?
US citizens can either buy travel medical insurance for europe from USA which focuses on insuring the health of the traveler or Trip Cancellation travel insurance, which insures the cost of the trip along with providing health insurance coverage while outside the United States.
6. Can US Citizens get free healthcare in Europe?
In general, US citizens cannot get free healthcare in Europe, unless they have dual citizenship, or reside in a specific European country. Different European countries have different healthcare systems, some of which provide free or low-cost healthcare to their citizens and legal residents, but generally do not offer this to international tourists.
In this context, it is important for US citizens traveling to Europe to buy the best US travel medical insurance to cover any potential healthcare costs while outside the USA.
7. Which plan is best for seniors or travelers with pre-existing medical conditions visiting Europe?
Plans that include acute onset of pre-existing conditions coverage are ideal. Some of the best options for U.S. travelers include Patriot International Platinum, Intermedical, Atlas International, and Travel Medical Choice. These plans provide coverage for sudden flare-ups of pre-existing conditions while traveling, giving seniors and those with health concerns peace of mind.
8. What is the best travel medical insurance for Europe for U.S. citizens?
The best travel medical insurance depends on your needs. Popular options include Patriot International Platinum, Intermedical, Atlas International, Travel Medical Choice, and BCBS Single Trip Platinum, offering coverage for medical emergencies, evacuation, and acute onset of pre-existing conditions.
9. Can I get travel medical insurance for Europe if I have a pre-existing condition?
Yes. Many plans like Patriot International Platinum, Intermedical, and Travel Medical Choice provide coverage for the acute onset of pre-existing conditions, allowing travelers with health concerns to get protection abroad.s
10. What is the best trip insurance for U.S. citizens traveling to Europe?
Comprehensive plans like Itravelinsured LX, Pathway Premium, Travelex Ultimate and Trip Protection Choice combine trip protection and medical coverage, protecting against trip cancellation, interruption, and medical emergencies.
11. Does trip insurance cover canceled flights or missed connections in Europe?
Yes. Most trip insurance plans, including Itravelinsured LX and Trip Protection Choice, cover trip cancellation and interruption due to flight delays, illness, or other unforeseen events
12. Do plans cover adventure activities like skiing or hiking in Europe?
Yes, if you select a plan with optional adventure sports coverage, such as Travel Medical Choice or Atlas International with adventure add-on, you can be covered for skiing, snowboarding, hiking, and other high-risk activities.
13. Are pre-existing medical conditions covered by travel insurance to Europe from USA?
Coverage for pre-existing medical conditions can vary depending on the insurance policy. Some travel insurance plans offer coverage for acute onset of a pre-existing conditions, while others may exclude them. It is important to carefully review the policy details and any exclusions or limitations related to pre-existing conditions using the comparison facility available on American Visitor Insurance.
14. How do I choose the right travel insurance for my trip to Europe?
When choosing travel insurance for your trip to Europe, consider the following factors:
- Coverage: Look for a policy that provides comprehensive coverage for medical expenses, trip cancellations, baggage loss, and travel delays.
- Policy limits: Ensure that the policy limits are sufficient to cover potential expenses, such as medical treatment or emergency evacuation.
- Exclusions: Carefully review the policy's exclusions and limitations, particularly regarding pre-existing conditions and high-risk activities.
- Cost: Compare the prices of different insurance providers while considering the coverage and benefits they offer.
- Customer reviews and reputation: Research the insurance provider's reputation, customer reviews, and claim handling process to ensure reliability and customer satisfaction.
When buying travel health insurance for Europe, it is important to compare US travel insurance from multiple providers to find the best coverage at the best price. This is achieved with ease at American Visitor Insurance, where prices and benefits of the different plans are displayed in an user friendly comparison tool. As a traveler, you should also carefully review the policy's brochure and understand the exclusions that are not covered.
How Do I Get the Right Insurance Required While Applying for the Schengen Visa?
At American Visitor Insurance, it’s easy to get the best deal for insurance to meet Schengen visa requirements. Simply use our compare engine to review travel policies and prices. All the plans listed will give you access to a “visa letter” which you can print out minutes after your purchase which shows you have the insurance that is required for your visa. Change in plans? Not sure when your will be traveling? No problem! All plans are very flexible and can either be pushed back, moved forward, or cancelled for a full refund (before they start)! If two people are over 70 years old, you can be quoted together on American Visitor Insurance, but some companies require you to fill out separate applications for each person (but the total cost will NOT change). Note that for travelers over 80, it can be cheaper to get a trip cancellation plan like one offered by IMG and they also provide a visa letter for you! Please call us at 877-340-7910 if you have any questions or concerns!
Popular Cities in Europe Among US Citizens
Schengen Visa Information
Which Travel Insurance Is Best for US Seniors With Medicare?
US senior citizens with Medicare need international travel insurance as Medicare offers limited or no coverage outside USA. Traveling overseas involves risks especially for older travelers and costs of medical evacuation and health care outside the United States is expensive. Buying Medicare Supplemental international Travel insurance coverage for older US travelers is strongly recommended.
Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior travel health insurance as affordable overseas travel medical insurance for US senior citizens and US permanent residents 65 years and older.
The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for coverage from 5 days to 365 days, or as a GlobeHopper Multi-trip plan which covers 12 months with a maximum of 30 days per each overseas trip. The GlobeHopper Senior plan is very popular since it provides coverage of $1 million up to the age of 79 years and $100,000 for travelers more than 80 years old. The plan includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition and $25,000 for emergency medical evacuation.
Know More »Do Green Card Holders Need Travel Insurance for Europe?
If you are a non-U.S. citizen or a U.S. Green card holder traveling to Europe, you may need an Europe visa that satisfies Europe travel insurance requirements which are the Schengen visa requirements, depending on your nationality. Do check the specific requirements based on your citizenship. Travelers from the USA visiting Europe will in any event need to apply for a Schengen visa if their visit is for tourism, business, or family reasons and they plan to stay for up to 90 days. When applying for a visa to Europe (or any other Schengen Area country), travel insurance is a mandatory requirement. The purpose of this travel insurance for the Europe visa is to cover unexpected expenses related to medical emergencies, accidents, or trip disruptions during your time in Europe.
The policy must cover emergency medical expenses of at least €30,000 (around US $ 50,000). It must include coverage for emergency medical evacuation which is transporting you to the nearest hospital or even back to your home country if needed. The insurance must cover the entire period of your stay in the Schengen Zone, from the date you enter Europe until you leave. American Visitor Insurance offers international travel insurance that meets the Europe travel insurance requirements, providing the necessary proof of travel health insurance required when applying for an Europe visa. You can call us at (877)-340-7910 if you need any help to buy travel insurance for Europe which satisfies visa requirements.
What Is the New Travel Authorization ETIAS Requirement for US Citizens Travelling to Europe?
Starting in 2025, US travelers to Europe should apply for an ETIAS (European Travel Information and Authorization System). ETIAS is an electronic travel authorization system similar to the US ESTA (Electronic System for Travel Authorization). However, ETIAS is not a visa, but a pre-travel clearance for short stays up to 90 days in Europe. Along with ETIAS it is important for travelers from USA to buy travel insurance for Europe, since Medicare and most US health insurance plans do not provide coverage in Europe.
Which Are the Best Long-Stay Travel Insurance Plans for Americans Visiting Europe?
Traveling to Europe for an extended period more than 90 days, whether for work, study, or leisure, requires the long term Europe travel insurance coverage to ensure peace of mind and financial protection. Long-term travel insurance for Europe is designed for travelers staying beyond the typical short-term trip duration, providing comprehensive medical coverage, emergency assistance, and trip-related benefits.
For those applying for a long term travel in Europe visa, travel medical insurance must meet specific requirements, including a minimum of €30,000 medical coverage and emergency medical evacuation. Long term European visa is also essential to cover unexpected medical expenses, trip cancellations, and loss of personal belongings.
American Visitors Insurance offer the best international travel medical insurance for US citizens designed by top US Insurance providers. International travel insurance plans vary based on the different coverage benefits offered. Travelers can compare coverage benefits and buy the best Europe long stay travel insurance for US citizens.
Is a Schengen Visa Needed for US Green Card Holders?
US Green Card holders will need an Europe visa to travel there if the country of their passport requires a visa for travel to the Schengen countries. Travel insurance for Europe visa for Green Card Holders is required while applying for an Europe visa. Green card holders travel insurance requirements for Europe include medical expenses of at least €30,000. On American Visitor Insurance, US Green Card Holders can buy international health insurance Europe to satisfy Schengen visa requirements for their visa application.
Overseas Travel Insurance for US Residents
Affordable coverage for medical emergencies abroad
How Do I Buy the Best Travel Insurance for Cruises?
Going on a cruise vacation is truly exciting, however one must take suitable action to ensure that the cruise vacation is not a disappointment. Vacationers are likely to book for the cruise well in advance of the actual travel dates, and it is possible that one is not able to make the cruise as planned.
- Best cruise trip insurance ensures that vacationers can vacation investment should there be a disruption and one cannot make the cruise.
- Most Cruises offers Cruise protection, but that is not the same as trip insurance for Cruises.
- A cruise protection usually gives vouchers for the traveler if they miss the cruise
- Trip insurance, on the other hand, offers cash reimbursement.
- Vacationers can shield themselves best by purchasing the Cancel for any reason insurance benefit.
- This gives the flexibility of cancellation the cruise vacation for any reason
- The traveler can get reimbursed up to 75% of the non-refundable trip expenses.
The cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best cruise travel insurance plans.
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What Are the Best Cruise Travel Insurance Plans?
- Cruise cancellation up to $30,000
- Missed Tour or Cruise Connection up to $250 per day up to $1,500
- Trip Inconvenience up to $250 each inconvenience up to $500
- Medical Evacuation up to $500,000
- Cruise cancellation up to $10,000
- Missed Tour or Cruise Connection up to $500
- Trip Inconvenience up to $100
- Medical Evacuation up to $500,000
- Cruise cancellation up to $100,000
- Missed Tour or Cruise Connection up to $500
- Emergency medical coverage up to $100,000
- Medical Evacuation up to $1,000,000
Do I Need Medical Insurance to Travel to European Cruises?
European river cruise insurance
Know more »Mediterranean cruise insurance
Know more »Scandinavian cruise insurance
Know more »Baltic cruise insurance
Know more »Popular World Cruises
Know more »What Are the Popular River Cruises in Europe?
Europe Travel Insurance for US Citizens
Annual travel insurance for US citizens
Travel insurance for multiple trips within a year.
Click here to read more »Important factors for Schengen visa Insurance
Factors to consider for Europe travel insurance
Click here to read more »Travel Insurance Coverage for Pre-Existing Ailments
Travel insurance for travelers with pre-existing ailments.
Click here to read more »Europe travel insurance for Seniors
Schengen visa insurance for older travelers
Click here to read more »US senior citizen travel insurance
Travel insurance for US senior citizens.
Click here to read more »Europe Schengen Travel Insurance – Related Links
Resourceful Schengen Visa Travel Health Insurance Information
Summary: Best Travel Insurance Options for U.S. Travelers to Europe
Europe is one of the most popular destinations for U.S. travelers, and while travel insurance is not legally required, it is highly recommended. Most U.S. health insurance plans, including Medicare, provide little or no coverage abroad.
Travel insurance for U.S. citizens visiting Europe can protect against medical emergencies, emergency medical evacuation, pre-existing conditions (with acute onset coverage), trip interruptions, lost or delayed baggage, and adventure activities.
Travelers can choose between travel medical plans for short trips focusing on medical emergencies and evacuation and comprehensive trip plans that combine medical coverage with trip cancellation, trip interruption, and baggage protection. Popular travel medical plans include Patriot International Platinum, Intermedical, Atlas International, Travel Medical Choice, and BCBS Single Trip Platinum, while top trip insurance plans include Itravelinsured LX, Pathway Premium, Trip Protection Choice, and Travelex Ultimate.
Through American Visitor Insurance, U.S. citizens and residents can compare and purchase the right travel and trip insurance plans to suit their needs. By selecting coverage based on trip length, type of activities, and health conditions, travelers can explore Europe with confidence and complete peace of mind.
