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Travel insurance for US citizens visiting Europe

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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.

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Long term travel insurance for US citizens visiting Europe

US citizens visiting Europe

Good news! At present, the US dollar is very strong against other currencies, even the Euro! Hopefully, this will mean that more of us can make the jump over the pond for some new foods, culture, and adventure! If you are planning such a getaway and think you want to spend some significant time over there, you should know that you need to have travel insurance for US citizens traveling to Europe.

Other than it being a requirement for long term stay in Europe, it is prudent to buy insurance even for short stays in Europe since health care is expensive. While many US citizens think that they have excellent health coverage and may not need to purchase anything separate for Europe, you must be aware that domestic US insurance plans have very little or no coverage outside US national borders. US travelers can be in for a shock if they are depending on an US domestic insurance plan to get coverage for a medical emergency outside the US.

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 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:

  1. Insurance company must have an office in the EU
  2. You need coverage for repatriation (return of mortal remains)
  3. Coverage for emergency medical evacuation, and finally
  4. 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).
Believe it or not, 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).

However, don’t worry too much about getting this travel insurance for US residents visiting Europe. The requirements 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 Schengen visa will work for you. Furthermore, they are very economically priced and are guaranteed (no medical tests or questions). Best medical insurance for European travel 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).

Furthermore, we have many clients who purchase even short term best travel insurance for Europe from USA because our international policies will pay directly to foreign hospitals and doctors without the insured having to pay out of pocket and get reimbursed after their trip is over. The health insurance for travel to Europe we recommend for this coverage have many additional travel benefits (lost baggage, trip interruption, concierge service) so that you can feel safe and secure knowing that should anything happen, you will have someone who understands international health situations and you will get through the process and back home as well cared for as may be!

Travel to Europe has never been easier and possibly cheaper! Now is the perfect time to plan that nice long trip you’ve been hoping to take! Don’t let vacation health insurance for Europe requirements set you back! Fill the travel health insurance Europe form and get immediate quotes from multiple insurers to find the best deal for travel insurance for US citizens visiting Europe!

As ever, we wish you safe and happy travels!

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. Does Europe travel insurance cover covid19 illness?

There are some USA Covid travel insurance plans available for travel to Europe that cover covid19 as a new illness. US citizens can find the ideal Europe travel insurance with Covid19 coverage plan by using the Covid19 Europe travel insurance compare tool. Trawick International is one of the top travel insurance company offering Covid-19 coverage.

It offers Safe Travels Outbound Insurance which covers covid19 as any sickness. The Safe Travels Outbound Insurance is available for available for US citizens and US residents travelling to Europe. These plans also offer Schengen visa letter specifying that they Covid19 as any sickness. The visa letter can also be translated to different languages as requested.

02. 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 Covid pandemic, the war in Ukraine, 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 covid 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.

03. Why do US citizens need travel insurance when visiting Europe?

The regular US health insurance plans and this includes Medicare, will provide little to no health insurance coverage outside US borders. International travel insurance typically costs only around 5%of the total trip cost, and this is highly recommended for US citizens visiting Europe as it provides coverage and financial protection in case of unexpected events such as medical emergencies, trip cancellations or interruptions, lost baggage, or travel delays. Healthcare costs can be high in Europe, and travel insurance ensures that you have access to medical treatment and assistance if needed.

04. 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.

05. 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.

06. Does US health insurance work in Europe? Does American health 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.

07. 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.

08. What kind of insurance do I need to travel to Europe?

US citizens can either buy travel medical insurance for Europe 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.

09. How much does travel insurance for US citizens visiting Europe typically 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.

10. 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.

11. 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.

12. 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.

13. 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.

14. 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.

15. 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.

16. 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.

17. 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.

18. 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.

US Travel insurance that covers Covid quarantine expenses

The Covid19 pandemic has disrupted international travel across the globe and different countries are trying to shield their nations by enforcing strict safety measures for international travelers. Some countries are also insisting on Covid19 travel insurance with quarantine coverage should the traveler test positive for the Covid virus while traveling in the country. International travellers can compare and buy the best Covid19 Quarantine coverage travel insurance plans

  • Covid Quarantine Benefit Coverage for accommodations due to a covered Trip Delay $3,000/$250 per person per day (6 hours or more) is included in the basic coverage.
  • Optional Quarantine Benefit Upgrade at additional price Trip Delay Max Upgrade - including Accommodations (6 Hours or more) $4000 ($300/day) or $7000 ($500 per day).
  • Covid Quarantine Benefit Coverage for accommodations due to a covered Trip Delay $1,000/$150 per person per day (12 hours or more).
  • Covid19 medical expenses are covered and treated the same as any other sickness.
  • Covid Quarantine Benefit Coverage for accommodations due to a covered Trip Delay. Maximum - $2,000 ($200 /day )(6 hours).
  • Travel insurance for US Citizens and US Residents traveling outside US.

Schengen visa information

Schengen insurance for Covid pandemic

Most Schengen countries now have lifted the entry ban for International travelers. Irrespective of different consulate visa requirements, given the health risks involved in international travel and in light of the Covid pandemic and the Ukraine war it is important for all travelers to have the best travel insurance for Europe.

As a result of the surge in the Covid sub-variants, it is very important to have good Schengen Visa travel insurance with Covid19 coverage. Travelers can find the ideal Schengen travel insurance with Covid19 coverage by using the Covid19 Schengen travel insurance compare tool.

Trawick International, WorldTrips, International Medical Group and Seven Corners are the top Schengen visa travel insurance companies offering Covid-19 coverage. Trawick International offers Safe Travels International Insurance and Safe Travels Outbound Insurance which cover covid19 as any sickness. The Safe Travels International Insurance are available for Non US citizens and Non US residents while the Safe Travels Outbound Insurance is available for available for US citizens and US residents.

WorldTrips offer Atlas Travel insurance which includes Covid19 expenses. International Medical Group (IMG) offers Patriot International Lite insurance for Covid19 coverage. Seven Corners offers Travel Medical Plus Insurance which includes coverage for Covid19 sickness. These plans also offer Schengen visa letter specifying that they insure Covid19 as any other sickness. The visa letter can also be translated to different languages as requested.

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