Travel Insurance for Europe
Traveling to Europe offers a myriad of exciting choices such as arts, culture, food, and sporting events. The possibilities are endless!
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One of the great travel regions of the world, Europe has something for everyone. From natural wonders to beautiful cities there’s no shortage of adventures to be had! Whether you’re skiing in Italy, hiking the West Highland Way in Scotland or island hopping in Greece, World Nomads has cover available for you.
What’s Covered
Here are some of the highlights of our coverage, depending on your Country of Residence and the plan you’ve selected:
- Emergency overseas medical: if you become sick or injured during your trip your policy may cover you for overseas medical expenses, up to the policy limits and when agreed by us.
- Medical evacuation and repatriation: if you need emergency transport home due to a serious illness or injury. With our coverage, you can get transported to the medical facility best for your care, subject to approval from the 24/7 Emergency Assistance Team.
- Travel delays/interruption: if your trip is interrupted due to an insured event. Depending on your country of residence and which plan you’ve selected you may be covered for your non-refundable, pre-paid transport and accommodation expenses.
- Trip cancellation:One of the biggest questions with any international travel currently is related to cancellations. Depending on your country of residence and which plan you’ve selected you may be covered for your non-refundable, pre-paid transport and accommodation expenses. Always make sure you read the details of your policy carefully, so you know what you are covered for. If in doubt about coverage and our plans, contact us.
- Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost. Terms and conditions apply. You’ll need official reports, supporting documentation and copies of your receipts if you need to make a claim.
- Family plans: our policies cover up to 8 children and grandchildren (up to 17 years of age depending on your country of residence). Our cover includes 2 adults and up to 8 dependents on the one policy.
- Adventure activities and sports: we cover more than 150 activities, sports and experiences across land, sea and sky. Check before you buy that your adventure is covered and find out what policy upgrade options may be available.
- Cover for some Coronavirus-related events: to find out what cover applies to you, read our What’s Covered for Coronavirus article, which has more details, including benefit limits, terms and conditions, and exclusions.
Why should I consider travel insurance when visiting Europe?
Europe covers a massive area and is made up of a diverse range of countries, climates, cultures and people. In most cases, travelling goes off without a hitch. But having the right travel insurance for you can take the added stress out of travel if things don’t go to plan.
Multi-Destination Trips
If you’re backpacking your way around Europe, staying in hostels, going out on the town and adventuring whenever you can, travel insurance may provide cover formedical emergencies and evacuation, stolen items, and more than 150 adventures, sports and activities including volunteering and working.
Families
Traveling as a family can be an incredibly rewarding experience and what better place to have a family adventure than Europe! Our policies can help cover for medical emergency, pregnancy complications, coronavirus, trip interruption, and also provide 24/7 worldwide emergency assistance. Cover includes two adults and up to eight dependents on one policy. You can find more information on family cover by checking out our family travel insurance article.
Winter Activities
Winter in Europe is like a fairy tale. From hiking in the Swiss Alps, to Husky sledding in Finland, and snowboarding in Cervinia in Italy, our travel insurance offers more than 150 activities, sports and experiences for you and your loved ones to seek out.
Summer Adventures
An adventure-lovers dream, you can enjoy your European summer odyssey knowing our policies may cover you for a range of activities including hiking trips, road trips, kayaking & rafting and even sailing.
We offer two plans for depending on your country of residence – Standard and Explorer. Each policy provides different levels of coverage depending on what you need:
- The Standard Plan covers a range of benefits and certain adventure activities and has lower coverage limits.
- Our level of activities and sports cover starts at Level 1 and goes all the way up to level 3 for some more extreme activities. The Explorer Plan will come in handy if you want to be covered for certain activities and sports that are only covered at levels 2 or 3. You must select all your activities and sports and pay the additional premium. The selected activities as well as the highest level of cover will be shown on your Certificate of Insurance.
How do the levels of activity and sports cover work?
- (1) Level 1 - Automatically covers Level 1 sports, activities & experiences and non-manual work in the Standard Plan and Explorer Plan.
- (2) Level 2 - Upgrade required - Also includes Level 1 sports, activities & experiences, non-manual and manual work.
- (3) Level 3 - Upgrade required - Also includes Level 1 & 2 sports, activities & experiences and manual work.
Simply specify all the activities you have planned for your trip when you get your quote, as you can’t add them afterwards. Terms, conditions, limitations and exclusions apply, check your Policy Wording for details or contact us.
What to look out for when travelling around Europe
- Severe weather: some parts of Europe can experience four seasons in one day, and some destinations are prone to natural disasters. If your trip is interrupted or cancelled as a result of severe weather you may be able to claim.
- Keep an eye on your gear 24/7: It’s very important that you NEVER leave your valuables unattended. If you're after travel insurance cover for your tech gear and other high value items read more here. You should also make copies of all key documents you’ll be traveling with — passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets — and keep them separate from the originals while abroad so you’ll have backups and proof of purchase if anything happens.
- Baggage theft or loss: if you’re on a European road trip and your rental car gets broken into, or your airline loses your bags, you may be able to claim to replace the item or claim for essential clothing and toiletries while you wait for your bag to be returned. Our policies can also offer cover for your rental vehicle insurance excess.
- Pickpockets: While most countries in Europe are amongst the safest to travel to there is always the chance that you might end up being pickpocketed in many top tourist hotspots. If your items are stolen travel insurance could help replace them.
What’s not covered
Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:
- Pre-existing medical conditions – see the Policy Wording for details.
- Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the U.S. Department of State (see state.gov)
- Unattended baggage or personal items, including any items left in a locked car overnight.
- If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
- Participation in a sport or activity not listed or failing to adhere to the terms of coverage for listed sports or activities.
- Being intoxicated by alcohol or drugs.
- Pregnancy and/or any related pregnancy complications, except as described in Health conditions & your policy in the Policy Wording. Costs or losses otherwise associated with a single or multiple pregnancy or childbirth including, but not limited to, caesarean section or any other medically or surgically assisted delivery which does not cause medical complications.
Handy tips for traveling in Europe
- Always check the Visa requirements – some countries require you to have at least 6 months validity on your passports and some may require Visas that can take several weeks to organise.
- Pack light – especially if you’ll be travelling around Europe using public transport.
- Check for discounts – many cities offer tourist discount cards which may give you discounts on attraction entry fees, transport and even restaurants.
- Book attraction tickets in advance – if you know your plans then consider booking ahead for popular tourist sites such as the Vatican, London Eye and Eiffel Tower as tickets can sell out and some attractions require pre-booking.
This is not a full list of what’s covered and what’s not; please check your Policy Wording for a full list of terms, conditions, limitations, and exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, please contact us for help.
Did you know travel insurance covers...
- Trip cancellation
- Emergency medical
- Evacuation and repatriation
- Lost or damaged gear
- Delayed baggage
- Death overseas
- Terrorism
- And more...
You can also buy away from home or buy more cover if you extend your trip. Plus, you can claim online anytime, anywhere in the world.
True Claims Stories
Never travel without travel insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain, and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
U.S resident in Spain
Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation before you leave home.
- Explorer Plan: USD $10,000
- Standard Plan: USD $5,000
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Overseas Medical Insurance
Take the pain out of medical costs while traveling overseas.
- Explorer Plan: Unlimited, up to 12 months
- Standard Plan: USD $5,000,000
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
We'll get you to hospital quickly.
- Explorer Plan: USD $500,000
- Standard Plan: USD $500,000
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Cover your stolen or damaged gear and tech.
- Explorer Plan: USD $3,500
- Standard Plan: USD $2,500
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Overseas Medical & Dental Expenses
- 24 hour Emergency Assistance
- Emergency Medical Transport
- Repatriation & Travel Expenses
- Pre-Trip Cancellation
- Trip Interruption
- Resumption of Trip
- Travel Delay
- Missed connection (Explorer)
- Hijacking (Explorer)
- Baggage & Personal Items
- Passport & Travel Documents
- Personal Liability
- Rental vehicle insurance excess (Explorer)
- Personal accident (Explorer)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Phone:+353 21 237 8008 or +353 21 237 8003 (calls are not toll free. You can claim your itemised call costs)
Before your trip, check the latest government advice for any travel alerts for your destination.