Best travel insurance for Europe
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
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.
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.
Cost of best travel insurance from USA 2024
The cost of travel insurance for US citizens 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.
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Atlas International Insurance
- WorldTrips Atlas International is an Ideal for US citizens traveling outside their home country,excluding USA.
- Atlas International insurance underwritten by Lloyds, London and rating AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA-.
- Policy maximum options available are $50,000, $100,000, $250,000, $500,000, $1,000,000 and $2,000,000.
- Deductible options available are $0, $100, $250, $500, $1000, $2500 and $5,000.
- Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 79 years (excludes chronic and congenital conditions).
- This plan covers trip interruption up to $10,000 (not subject to deductible or coinsurance).
Patriot International Lite Insurance
- Patriot International Lite form IMG is available US citizens traveling outside their home country,excluding USA.
- This plan is underwritten by Sirius International Insurance Corporation and rating “A” (Excellent) by A.M. Best.
- Policy maximum options available are $50,000, $100,000, $500,000, and $1,000,000
- Deductible options available are $0, $100, $250, $500, $1000, and $2500.
- Covers acute onset of pre-existing conditions up to chosen maximum limit aged up to 70 years
- Covers lost luggage benefit up to $50 per item, $500 maximum limit. Not subject to deductible.
Diplomat International Insurance
- Global Underwriters Diplomat International plan is available for people traveling outside their home Country excluding USA.
- Underwritten by C&F Cayman SPC for and on behalf of ITI SP and rating AM Best Rating: "A" (Excellent)
- The policy maximum options available are $50,000, $100,000, $500,000, and $1,000,000
- The deductible options available are $0, $100, $250, $500, $1000, $2500 and $5,000.
- Covers unexpected recurrence of a pre-existing condition up to $20,000; ($2,500 for age 65 and older)(US Citizens only)
- Covers interruption of trip up to $5,000 and coverage for lost buggage up to $50 per article; up to a maximum of $250.
Diplomat Longterm Insurance
- Global Underwriters Diplomat LongTerm plan is available for people traveling outside their home Country excluding USA.
- Policy maximum options available are $500,000 and $1,000,000
- The deductible options available are $0, $100, $250, $500, $1000, $2500 and $5,000.
- Minimum enrollment of 3 months.
- Underwritten by C&F Cayman SPC for and on behalf of ITI SP and rating AM Best Rating: "A" (Excellent).
- Covers unexpected recurrence of a pre-existing condition up to $20,000; ($2,500 for age 65 and older)(US Citizens only).
- Covers interruption of trip up to $5,000 and coverage for lost buggage up to $50 per article; up to a maximum of $250.
Safe Travels Outbound Insurance
- Safe Travels Outbound from Trawick International is available for US citizens and US residents traveling outside of the US.
- Underwritten by Crum & Forster SPC and rating “A” (Excellent) by A.M. Best.
- This policy provides the medical maximum options of $50k, $100k, $250k, $500k.
- The deductible options available are $0, $100, $250, $500, $1000, $2500 and $5,000.
- Covers pre-exiting conditions after 6 months of waiting period.
- Covers trip interruption up to $7,500 and coverage for lost buggage up to $1,000 ($250/item, $500/combined limit for valuables).
Voyager Essential Insurance
- Applicant's home country must be the US
- Underwritten by 4 Ever Life and rating
- The policy maximum options available are $50,000, $100,000, $500,000, and $1,000,000
- The deductible options available are $0, $100, $250, $500.
- Pre-existing conditions are covered with a 180-day exclusion.
Intermedical Insurance
- Intermedical insurance form Travel Insure is available US citizens traveling outside their home country,excluding USA
- Underwritten by Lloyds, London and rating AM Best Rating: A.
- Policy maximum options available are $50,000, $100,000 and $150,000
- Deductible options available are $0, $250, $500 and $1000.
- Covers acute onset of pre-existing conditions up to chosen maximum limit.
- Covers trip interruption up to $5,000 and coverage for lost checked luggage Up to $500.
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iTravelInsured Travel LX Insurance
- IMG iTravelInsured Travel LX Insurance is available for US Residents on domestic and worldwide trips
- Underwritten by United States fire insurance company and rating “A” (Excellent) by A.M. Best.
- Pre-existing condition exclusion waiver is covered if purchased within 24 hours of final trip payment.
- Maximum trip duration is 180 days.
Estimate Plan Cost Price range $106 Buy now Safe Travels Single Trip Protection
- Trawick International Safe Travels Single Trip Protection available for US residents traveling within the US or abroad.
- Underwritten by Nationwide Mutual Insurance Company and rating AM Best Rating: “A (Excellent)”
- Pre-existing condition exclusion waiver is included with this plan.
- Coverage for a maximum of 90 days
Estimate Plan Cost Price range $42 Buy now Safe Travels First Class Trip Protection
- Trawick International Safe Travels Single Trip Protection available for US residents traveling within the US or abroad.
- Underwritten by Nationwide Mutual Insurance Company and rating AM Best Rating: “A (Excellent)”
- Pre-existing condition exclusion waiver is included with this plan.
- Coverage for a maximum of 30 days
Estimate Plan Cost Price range $56 Buy now Safe Travels Armor
- Trawick International Safe Travels Armor plan is available for US residents traveling within the US or abroad.
- Underwritten by Nationwide Mutual Insurance Company and rating AM Best Rating: “A (Excellent)”
- Pre-existing condition exclusion waiver is included if purchased within 14 days of initial deposit.
- Maximum trip length is 90 days.
Estimate Plan Cost Price range $55 Buy now Safe Travels Rental Plus
- Trawick International Safe Travels Rental Plus is available for US residents traveling within the US or abroad.
- Underwritten by Nationwide Mutual Insurance Company and rating AM Best Rating: “A (Excellent)”
- Pre-existing condition exclusion waiver is included if purchased within 21 days of initial deposit.
- Maximum trip length is 30 days.
Estimate Plan Cost Price range $53 Buy now Safe Travels Voyager
- Trawick International Safe Travels Voyager Insurance is available for US residents traveling within the US or abroad.
- Underwritten by Nationwide Mutual Insurance Company and rating AM Best Rating: “A (Excellent)”
- Pre-existing condition exclusion waiver is included if purchased within 21 days of initial deposit.
- Maximum trip length is 180 days.
Estimate Plan Cost Price range $55 Buy now SafeTravels Flex
- Trawick International Safe Travels Flex is available for US residents traveling within the US or abroad.
- Underwritten by Nationwide Mutual Insurance Company and rating AM Best Rating: “A (Excellent)”
- Pre-existing condition exclusion waiver is included if purchased within 21 days of initial deposit.
- Maximum trip length is 30 days.
Estimate Plan Cost Price range $25 Buy now Trip Protection Choice
- Seven Corners Trip Protection Choice is for U.S residents and U.S citizens who wish to travel within the U.S or travel overseas /internationally.
- Underwritten by United States Fire Insurance Company and rating A (Excellent) by AM Best.
- Pre-existing condition exclusion waiver is included if purchased within 15 days of initial deposit.
- Maximum trip length is 90 days.
Estimate Plan Cost Price range $53 Buy now Trip Protection Elite
- Seven Corners Trip Protection Elite is for for residents of New York and Washington travelling in the United States /internationally.
- Underwritten by United States Fire Insurance Company and rating A (Excellent) by AM Best.
- Pre-existing condition exclusion waiver is included if purchased within 15 days of initial deposit.
- Maximum trip length is 90 days.
Estimate Plan Cost Price range $54 Buy now
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.
Testimonials - From Our Customers
"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
Europe travel insurance for US citizens - FAQ's
01. 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.
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. 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.
11. 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.
12. 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.
13. 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.
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.
Popular cities in Europe among US citizens
Schengen visa information
Travel insurance plans for older US travelers with Medicare coverage
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 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.
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