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Travel insurance for US citizens visiting Europe

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Do you want to insure trip cost as well as the health of the traveler?

     
     

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Traveler's residence
Travelers (Age)
Trip cost($)/person

Destination
Trip start date
Trip end date

Travel insurance with trip protection coverage - Highlights

Trip cancellation

Reimbursement for loss of pre-paid, non-refundable payments.

Medical evacuation

Transportation to or between hospitals as needed.

Trip delay

Reimbursement of food and lodging expenses due to delay in travel.

Lost baggage

Pays sum for lost or delayed luggage by airline.

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Age & Citizenship
Child
Residence
Destination
Start date
End date

Travel medical insurance with no trip protection - Highlights

Health care expenses

Covers medical costs for sickness or accidents during travel.

Doctor visit

Covers cost of clinic or doctor visit.

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

Medical evacuation

Transportation to or between hospitals as needed.

Repat of remains

Return of moral remains to home country or local burial.

Travel Insurance for Europe from USA

US citizens visiting Europe

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... Domestic US insurance cannot be much help in Europe as the coverage is very limited or none when outside of the country. Travel Insurance plans can also be of another kind which is also known as Trip Insurance plans which focuses more on trip expenses where it provides benefits like trip cancellation which covers 100% trip costs, baggage delay, loss of baggage, missing flights and so on.

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.

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Best travel insurance for Europe

If you are a US citizen planning to visit Europe, it is essential to consider buying the best travel insurance for Europe. While it is not a legal requirement to have travel insurance for Europe visa purposes, it is still strongly recommended. When looking for the best travel insurance for Europe, there are several factors to consider. Here are some tips to help you find the right coverage:
  • Medical Coverage: Make sure the policy provides adequate medical coverage, including emergency medical treatment and emergency medical evacuation, as healthcare costs can be high in Europe.
  • Pre-existing Conditions: If you have a pre-existing medical condition, make sure the policy covers it, as many policies exclude pre-existing conditions.
  • 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.
  • Baggage and Personal Effects: Make sure the policy covers lost or stolen baggage and personal effects, as well as any costs associated with delays in baggage delivery.
  • Activities and Sports Coverage: If you plan to participate in any sports or activities, such as skiing or snowboarding, make sure the policy covers them.

Europe travel insurance for US citizens - FAQ's

01. Do US citizens need travel insurance for Europe? Do I need travel insurance for Europe?

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. Given the pandemic, the war, the high cost of health care in Europe, the fact that US domestic health insurance provides little coverage in Europe and that international travel has become more uncertain with flight delays and pandemic restriction, it is strongly recommended that US citizens buy the best Europe covid travel insurance.

Given the relatively low cost of travel insurance for Europe, it is prudent for international travelers to buy the best travel insurance for Europe which can actually save significant money in the event of any adverse medical or travel related situation.

02. What does international travel insurance for Europe typically cover?

The coverage provided by travel insurance can vary depending on the policy and insurance provider, but it typically includes:

  • Medical expenses: Coverage for emergency medical and dental treatment, hospital stays, and medical evacuation.
  • Trip cancellation or interruption: Reimbursement for non-refundable expenses if the trip is cancelled or cut short due to covered reasons, such as illness, injury, or unforeseen circumstances.
  • Baggage loss or delay: Compensation for lost, stolen, or damaged baggage, as well as reimbursement for essential items if your baggage is delayed.
  • Travel delays: Reimbursement for additional expenses incurred due to delayed flights or other travel disruptions.
  • Emergency assistance: 24/7 travel assistance services, including access to a helpline for emergencies, coordination of medical services, and help with lost documents.

03. 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.

04. Does US health insurance work in Europe? Does American health insurance work in Europe?, Does US 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.

05. Can I use my US health insurance in Europe?

Most US health insurance plans including Medicare offer little to no coverage outside US borders. It is important for US citizens to buy good travel insurance for Europe.

06. 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.

07. 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.

08. What are the best medical insurance Plans for US citizens traveling Europe?

Here are some of the best travel insurance plans for US citizens traveling to Europe:

These plans offer comprehensive international travel medical coverage.

09. Do US citizens need an EU visa to enter Europe?

As of now, US citizens do not need an EU visa for short-term stays of up to 90 days within a 180-day period in most EU countries. This includes Iceland, Liechtenstein, Norway, and Switzerland. However, as an US citizen, if you plan to stay in Europe for longer than 90 days or for other purposes such as work or study, you may need to obtain a visa. It is always important to check the latest entry requirements for the specific country you plan to visit before you travel.

10. Do US citizens need travel insurance for Europe from USA?

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.

11. What does international travel insurance to Europe from USA cover?

The travel insurance coverage will vary depending on the policy and insurance provider, but it typically includes

  • Medical expenses: Coverage for emergency medical and dental treatment, hospital stays, and medical evacuation.
  • Trip cancellation or interruption: Reimbursement for non-refundable expenses if the trip is cancelled or cut short due to covered reasons, such as illness, injury, or unforeseen circumstances.
  • Baggage loss or delay: Compensation for lost, stolen, or damaged baggage, as well as reimbursement for essential items if your baggage is delayed.
  • Travel delays: Reimbursement for additional expenses incurred due to delayed flights or other travel disruptions.
  • Emergency assistance: 24/7 travel assistance services, including access to a helpline for emergencies, coordination of medical services, and help with lost documents.

12. How much does travel insurance for US citizens visiting Europe typically cost? How much does Europe travel insurance from USA cost?

The cost of travel insurance can vary depending on several factors, including the duration of your trip, your age, the level of coverage you choose, and any additional add-ons or options you select. On average, travel insurance for a US citizen visiting Europe 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 obtain quotes from different insurance providers on American Visitor Insurance to compare prices and coverage options.

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. Is travel insurance mandatory for travel to Europe from USA?

Travel insurance is not mandatory for US citizens visiting Europe. However, even if not mandatory, travel insurance for Europe is highly recommended so as to have adequate coverage in case of unexpected travel or health related emergencies. Without travel insurance, you may be personally responsible for covering the costs associated with medical emergencies, trip cancellations, or lost belongings, which can be significant.

15. 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.

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Travel insurance plans for older US travelers with Medicare coverage

Does Medicare cover medical costs for US citizens traveling to Europe?

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.

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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, but getting money back is not the norm, which is what trip insurance for cruises offer.

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, and 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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Resourceful Schengen visa travel health insurance information

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Popular Schengen Visa insurance providers

You can find reliable Schengen visa insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Trawick International insurance.


Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!
.