Travel Insurance Direct

Travel Insurance for Europe

Before you go on your trip to Europe, get travel insurance cover here.

Do I need travel insurance in Europe?

Europe has a veritable smorgasbord of places to explore – from the popular destinations, like Italy and Spain, to the lesser travelled Baltic States of Lithuania and Latvia. Sightseers can spot the Eiffel Tower and Big Ben, while nature lovers can marvel at Lake Bled in Slovenia and the Northern Lights of Sweden – Europe caters to all.

But a lot can go wrong on a European trip. Delayed flights, cancelled tours and valuables stolen by pickpockets. A travel insurance plan for Europe can help in instances like these.

What to consider when travelling in Europe

With so many countries within the continent, it's hard to know what to expect when travelling to Europe. If you know where you're going and what you'll be doing, you can prepare for the types of things that can go wrong and what you may need cover for.

Ski and snowboard

Some parts of Europe are famed for their mountains and ski runs. If you're heading to a resort to shred so me powder, you will need to add our Snow Sports and Activities option to have protection if an accident happens.

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Medical bills

The cost of a hospital procedure in some European countries can be very expensive. Spain and Portugal can be costly countries for medical treatment. Our medical cover can help you avoid dealing with a large bill.

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Stolen valuables

From bag-snatching in Barcelona to sunglass-pinching Barbary monkeys in Gibraltar, there's ample chance for your things to get nicked in Europe. Our insurance includes cover for your stolen valuables, and you can add extra cover for specific items, too.

Popular destinations in Europe

From city breaks to beach holidays, Europe is an ideal destination for families, backpackers and students. Each part presents its own past, gastronomy, activities and culture, but some countries are more popular with our travellers than others.


It's not called Great Britain for nothing. With places like London, Edinburgh and Oxford, the UK is packed with regional charm, dramatic landscapes and rich history.


Sandwiched between France and Poland, Germany is renowned for its steins, sausages and Bavarian cities. A trip to Germany guarantees quaint towns, impressive palaces and generous portions.


Paris, Bordeaux, Nice and Marseille – there's an overwhelming amount of culinary delights, classical art and decadent culture to tick off on a trip around France.

Europe travel insurance FAQs

Can I drive during my trip?

Yes, you can - given you have a valid Australian driver's license of course. Driving is one of the best ways to get around Europe, especially in between countries. If you're hiring a rental car you're automatically covered for the car rental excess for $4,000 (this can be upped to $6,000 for an additional premium). This means you can save money on your rental car hire.

Is the Euro accepted in all European countries?

No, the Euro can only be used in 19 European countries (as of 14 Jan 2019).

Do I need a visa to travel to Europe?

If you have an Australian passport, you can enter Britain without a visa as a tourist and stay for up to six months. You can also enter the Schengen Area without a visa and stay for up to 90 days over a six-month period. The Schengen Area encompasses most of Europe, however places like Bulgaria, Croatia and Ireland are not included, so it's worth checking.

When you leave the Schengen Area, you'll need to get a stamp on your passport when exiting to ensure you're not wasting your 90-day limit in a different country, like the UK.

Is travel insurance necessary in Europe?

While travel insurance is not mandatory for entering Europe, and the region is relatively safe, anything can happen on holiday, so we'd always recommend buying a policy to cover you.

Read the policy wording for full terms, conditions and exclusions and to ensure the product suits your needs.

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