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Travel Insurance Direct

Travel Insurance for Europe

Before you go on your trip to Europe, consider the benefits of travel insurance cover.

Why should I consider travel insurance for Europe?

Europe has history, culture, food and all types of exciting activities around every corner. With more than 20 beautiful destinations to choose from in the EU you’ll be enjoying sun, snow and everything in between.

However, you could have a close encounter of the third kind with a Swiss snowstorm, too much yummy Italian which could lead to food poisoning or be the victim of a fast-fingered pickpocket in Spain. There are a lot of 'what ifs' to consider when heading to Europe.

Am I covered for multiple countries within Europe?

We offer travel insurance cover for Europe for many events. For example, if you plan to travel to multiple countries within Europe, all you need to do is select 'Europe' as your destination when you get a quote and add any countries in Europe you know you’ll visit for more than 24 hours.

You can also select multiple countries, regions or continents on one quote or if you’re a seasoned globetrotter, you can also select ‘worldwide.’

Note that there are regions and countries that are not covered by TID, so make sure to check the details on your Certificate of Insurance and subscribe to Smartraveller for the latest travel advice.

What am I covered for when going to Europe?

When travelling to any EU country, you will have access to several benefits with TID travel insurance. It all depends on which level of cover is best suited for your Euro trip. Some of the benefits we offer include:

- Cover for overseas medical expenses
- Medical repatriation and evacuation
- Cover for lost or damaged valuables
- Cover for lost, stolen or delayed baggage
- Cover for cancellation or trip delay
- Cover for some Coronavirus-related events

Cover for unexpected events out of your control

We can offer cover under the ‘Cancellation and additional expenses’ section for your planned trip if your pre-paid scheduled public transport services or pre-paid tour have been cancelled or restricted by your carrier or service provider because of severe weather, natural disaster, riot, strike, civil insurrection, or hijacking. Refer to the Product Disclosure Statement (PDS) for further details.

We aim to keep you informed about events around the world when they happen, so keep an eye out for travel alerts on our website, however please check smartraveller for the international destination you are travelling to prior to travelling or planning to travel to a destination. 

Travel with confidence

Our 24-hour Emergency Assistance team is always available to help you if you suffer a serious injury or sudden illness. The team will also work closely with the claims department, which will assess your entitlement to financial assistance.

Our travel safety team at TID work to keep customers informed and publish information on major events on our website.

Contact the Emergency Assistance team day or night as required.

Does Medicare cover me in Europe?

No, Australia does not have a reciprocal health care agreement with every country in Europe. As a result, you will need to pay for all emergency medical costs out of your own pocket or via your travel insurer. In some cases, Medicare's overseas healthcare agreements assist with essential healthcare costs in: Belgium, Finland, Italy, Malta, the Netherlands, New Zealand, Norway, the Republic of Ireland, Slovenia, Sweden and the UK. 

What to look out for when planning a trip to Europe

There are some things you should keep in mind below just in case you need to use your travel insurance when going to Europe from Australia.

  1. Severe weather: when going to Europe you’ll need to be aware of possible severe weather events such as snowstorms or wildfires. Some parts of Europe are also prone to natural disasters such as flooding or bushfires. Always refer to the Australian Government’s Smartraveller website for current travel alerts affecting Europe before you buy a policy, before you leave Australia, and during your travels. If your trip is interrupted or cancelled because of severe weather, you may be able to claim.
  2. Pickpockets and theft: while Europe is a safe place to visit, you should always keep an eye out for pickpockets and watch your valuables. While Europeans are some of the friendliest people, there is always the chance that a thief will strike when you’re not looking. Always keep an eye on your bags and valuables and beware of pickpockets in the major cities such as Barcelona, Paris, and Rome. Keep copies or originals of receipts for any gear and valuables that you purchase.
  3. Trip delays, interruptions, and cancelled flights: the last thing you want to deal with while travelling around Europe is an extended stay at an airport. If your flight is delayed or cancelled you can submit a claim for reasonable expenses you may incur (don’t go buying a fancy designer dress or a tailored suit, we mean t-shirt, toothbrush or the essentials). Also, be aware that a trip to Europe may include several stops, so you may have multiple flights and accommodation that has been paid in advance. If you need to return home due to a covered reason listed in the TID policy, you may be covered for trip interruption benefits to cover last-minute flight changes, and recoup any deposits, payments and expenses that you will lose.
  4. Activities and sports injuries and gear cover while in Europe: with so many awesome destinations to choose from, Europe has something that will appeal to adrenaline junkies and outdoorsy types. Whether you’re into your snow sports (*cover for snow sports only available when you have selected the Snow sports cover option and paid the additional premium cover option), you’re a water baby, or you prefer to get your kicks from bungee jumping or rock climbing, you can be covered for a wide range of sports and activities. If something goes wrong and you injure yourself, a TID policy may be able to help with medical assistance, evacuation, and in the worst-case scenario, repatriation back home to Australia if medically necessary and approved by us. If you’ve decided to travel with your own surfboard or golfing equipment, there’s cover (benefit limits apply) on The Works and Annual Multi Trip plans to hire replacement equipment if your own is accidentally lost, delayed or damaged during your trip.

Europe travel insurance FAQs

Can I drive during my trip?

Yes, you can, as long as you have a valid license of course. The license(s) you hold must be valid at your destination and your country of residence for the class of vehicle you want to use. Driving is one of the best ways to get around Europe, especially between countries. TID’s The Works, The Basics and Annual Multi Trip policies automatically offer cover for car rental excess. The standard amount of cover is $6,000.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Choose a plan that suits your holiday.

Just like choosing the perfect destination for your next getaway, selecting a travel insurance plan to suit your needs may be just as important. We have four plans to choose from, each offering a different level of cover. Check out each of the plans below where you'll find loads of information about each one.

The Works

Our most popular and comprehensive plan, the Works offers broad cover for international trips including unlimited cover for costs such as medical expenses and cancellation as well as added benefits.

The Basics

Sticking to a shoestring budget? Our budget plan is designed for travellers who want coverage for all the important things, like hospital bills and stolen luggage, without breaking the bank.


Are you a frequent flyer? If you travel often for business, or have a few holidays coming up, our Annual Multi Trip plan could be for you. Made for globetrotters, your trips can be up to 35 days in duration and there is no limit to the number of trip you can take during a 12 month period.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

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