travel insurance
travel insurance

Travel Insurance for Trips to Europe

Planning a trip to Europe is equally exciting and stressful, from daydreaming to packing and preparing. While it can’t prevent unexpected hiccups from occurring, Europe travel insurance can help protect against unexpected delays and disasters.

Travel insurance can make or break a trip when unexpected delays, injuries or hiccups happen. Choosing the right coverage and reading the fine print is as important as knowing what to pack.

Do I need travel insurance for Europe?

Travel insurance isn’t required when visiting Europe; however, it can cover your prepaid and non-refundable trip costs in the event of travel delays, cancellations, a medical emergency or lost baggage.

There are 44 countries in Europe, and most can be reached by train, which means travelers can access an array of climates, people and activities in a short amount of time — and open themselves up to a slew of potential mishaps.

When U.S. travelers visit Europe, they typically do so without any health insurance, so investing in a Europe travel insurance policy with medical coverage is crucial to safeguarding your health while exploring the continent.

European travel insurance requirements

Travel insurance isn’t required to visit Europe if you’re an American citizen. However, some travelers are required to obtain a Schengen visa and medical travel insurance if they plan to visit any countries that are part of the Schengen Agreement, or stay in the area for more than 90 days. (The EU supplies a list of countries whose nationals require the visa and insurance.)

What type of travel insurance do I need for traveling to Europe?

When planning a trip to Europe, a comprehensive travel insurance plan that offers well-rounded coverage is strongly recommended. Look for a policy

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TTG – Noticeboard – Successful return for Freedom’s highly-rated travel insurance

Freedom’s travel insurance products, with cover for pre-existing medical conditions, return to the market with new A-rated insurer.

One month on, Freedom Insurance Services Ltd is delighted with the performance of its travel insurance products since fully returning to the market in December. Hundreds of travellers with pre-existing medical conditions have arranged their cover via their award-winning Cambridgeshire contact centre or through their website.


The direct-only products are underwritten by Millstream Underwriting Ltd on behalf of Allianz Worldwide Partners, ensuring Freedom’s valued, loyal, customers have comprehensive coverage and peace of mind, in advance of and during their travels.


Roland Gilliam, Director of Freedom, expressed his enthusiasm for the relaunch, stating, “We are proud of our reputation for responding to customers’ needs and providing the best possible travel insurance options through our website and dedicated contact centre. We have worked with our underwriter to design products that re-affirm our commitment to enhancing our customers’ travel experiences. Our team loves to hear about their travel plans and give them the peace of mind of comprehensive travel insurance.”


Rob Amati, Managing Director at Millstream Underwriting added, “We are delighted to partner with Freedom to deliver exceptional travel insurance products. Our shared commitment to outstanding service aims to provide peace of mind for Freedom’s valued customers.”


The reintroduction of these premier travel insurance schemes marks a significant milestone for Freedom. With over two decades in the industry and a focus on excellence, extensive coverage, and top-tier customer service, Freedom aims to make travel insurance more accessible and reassuringly clear.


Freedom collaborates with other businesses, including travel agents and charities, providing a range of affiliate programmes. Contact our Business Development Manager, Harry, for more details.


Affiliates Contact: [email protected]


Media Contact: [email protected]


For more information about Freedom’s travel insurance products, visit their website at or

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Doc Holiday: How far in advance can I get travel insurance?

Escape’s Doc Holiday, Dilvin Yasa, answers your travel-related questions.

We’ve paid a non-refundable $1500 deposit for a Princess cruise for November 2025 but we’ve been unable to get travel insurance as the trip is more than 12 months away. Is this normal?

One of the many unfortunate things about travel insurance (apart from the eye-watering cost) is that most providers typically only allow travellers to buy coverage up to 12 months before departure. In a few cases, such as with NIB Travel Insurance you can purchase a policy up to 18 months in advance, but of course, with your cruise still so far away in November of next year, this still leaves you unprotected for several months before your holiday.

I spoke with the team at Princess Cruises about their cancellation policy and they informed me that deposits for bookings only become non-refundable 180 days (six months) before sailing with two exceptions: if guests have booked under a promotion offering a significantly reduced deposit (say $99 per person), or if guests choose to book EZair with the cruise line for the voyage and select a restricted flight. The latter must be paid for at the time of booking and is non-refundable by the airline so that Princess Cruises will pass on this fee should you cancel your cruise as this will also cancel the air booking. If you booked a super-cheap deal (the former), these are typically non-refundable and are advertised as such.

If you are certain your deposit is non-refundable two years before your voyage, I’m assuming you’ve booked your Princess Cruise through an agent who will have their own booking and cancellation policies. It’s best to give them a call to discuss your concerns, then lock in travel insurance in May. Although it may be a little too

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Top 9 Dubai Travel Insurance Benefits: Safe and Secure Travels

Planning a trip to Dubai? As dazzling and modern as this city is, no traveller is immune to unexpected accidents, injuries, or illnesses that can happen on any journey.

Travel insurance for Dubai safeguards you in case of emergencies abroad that could otherwise lead to astronomical medical bills or trip disruptions. But it offers so much more, too. Let’s explore the top 10 reasons Travel insurance for Dubai should be on your packing list!

1. Coverage for Medical Emergencies & Treatment

Getting sick or injured far from home can quickly turn a dream vacation into a nightmare. International travel insurance shields you from unexpectedly massive medical costs. Both inpatient and outpatient treatment at hospitals are covered, along with ambulance transportation. Certain policies even cover pre-existing medical conditions.

Without coverage, you could end up paying hundreds to thousands per day in Dubai medical fees. A quick accident requiring surgery or a short hospitalisation stay could mean crippling bills in lakhs or more! Dubai travel insurance prevents health emergencies abroad from morphing into financial catastrophes back home.

2. Protection from Trip Cancellation & Interruption

Will an unexpected event at home force you to cancel your long-awaited Dubai getaway entirely? Or interrupt it and race back early? Lost pre-payments on flights, hotels, tours, and more can cost thousands. Insurance provides trip cancellation and interruption coverage to recoup these non-refundable expenses.

Your insurance provider will reimburse the unrecoverable costs up to the limit specified in the policy schedule. So, just don’t leave home without travel insurance!  

3. Coverage for Lost, Damaged & Delayed Baggage

Between crowded airports and all that moving through hotels, the risk of bags getting lost, damaged or delayed is real. With baggage coverage, you’re offered a standard fee while bags

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Faye Travel Insurance Review 2024

Faye is taking the travel insurance field by storm with its digital-first approach. 

Faye cuts through the jargon with an extremely user-friendly app that allows you to get a quote in as little as 60 seconds – with tons of option add-ons. 

Faye’s plans are not only easy to buy, they are comprehensive as well. Customers love the quick and easy claims process that can reimburse you via a digital wallet.

  • Faye offers a single base plan that can be completely customized with an ample array of optional add-ons.
  • With Faye, your claims can be reimbursed directly to a digital wallet which offers quick and easy access to funds. 
  • As a company, it has solid customer ratings and boasts an excellent financial rating from AMBest, meaning it’s a safe option for travelers.
  • Coverage limits are comprehensive – though limits vary depending on your state of residence and your trip destination. 
  • Try their online quote tool to see what types of options are available for your trip.

Pros & Cons

  • Friendly agents
  • Easy-to-use mobile app
  • Fast reimbursements for eligible claims
  • Prompt replies to questions
  • Long wait times for reimbursement
  • Difficulty reaching Faye outside of email & virtual chat

Offers Many Add-ons & Digital Claims Process


Is Faye legit?

Yes, Faye is a relatively new company to join the travel insurance market and boasts a 4.4-star rating from ConsumerAffairs and a 4.5-star rating on Trustpilot as of January 2024. 

Since Faye only started offering its modern travel insurance policies in 2022, most people may not be familiar with the brand.

Despite being lesser known, Faye offers plans backed by United States Fire Insurance Company, which has an AM Best rating of Excellent, meaning it’s a highly reputable insurance provider.

The company offers

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Where Indians want to travel in 2024: ACKO partners with YouGov for ‘Travel Index 2023’

The survey revealed that 35 per cent of the respondents want to enjoy their vacations in scenic destinations, like mountains or the seaside. It also highlighted that 25 per cent of people chose Dubai as their favourite international travel destination, while 29 per cent wanted to explore Goa.

The report also showed that most travellers preferred to spend holidays with friends, spouses, partners or immediate family. 14 per cent of the surveyed youngsters however wanted to travel solo to explore and fulfil their travel goals.

How do Indians plan trips?

Three out of four participants said they use digital platforms to plan their travel. However, there is still demand for offline bookings and plans.

50 per cent of respondents consider the journey’s comfort as a prime factor. The cleanliness of the accommodations ranks highest among 51 per cent of travellers. Regarding activities, around half of the travellers prefer convenience, safety, and accessibility as the most significant considerations.

How much do Indians want to spend on travel?

According to ACKO’s Travel Index 2023 report, 71 per cent of respondents are willing to extend their travel budget and spend between Rs 1 lakh and Rs 6 lakh in the next few years on their international trip. Out of the 71 per cent of respondents, 47 per cent of them are willing to spend Rs. 1 lakh to Rs. 3 lakh, while 11 per cent would spend Rs. 6 lakhs and more on such trips.

For domestic travel, 55 per cent of people surveyed would spend Rs. 1 lakh or less for leisure trips in the country. However, 20 per cent of the individuals are open to spending more than Rs. 1 lakh on domestic travel.

Post-pandemic travel

According to ACKO’s report, 31 per cent of the respondents want to take more international

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Travel news: New baggage tracking tool, plus cheapest insurance

Lost luggage is the bane of travelling and it only seems to have become worse since we returned to travel after the pandemic.

Well, Virgin Australia has announced it will be rolling out a tracking tool that could take the pain out of missing luggage. 

The system is an app-based logistic that informs passengers when their baggage has been checked in, loaded onto the aircraft, transferred to a connecting flight if required and at which baggage carousel it will be arriving.

Domestic and international coverage

Regular Virgin domestic travellers have been using the app on a portion of the airline’s domestic routes, but it will now be expanded to cover all Virgin domestic and international flights. 

“Australians find comfort in the ability to track food deliveries, postal deliveries, technology, even their heart rate, all via apps, and it made sense for travellers to be able to do the same thing when flying Virgin Australia,” said Paul Jones, chief customer and digital officer, Virgin Australia.

“By further enhancing our Australian-first baggage tracking technology to include all international services and additional notifications, we are giving guests the peace of mind to know where their baggage is at every step of the journey,” said Mr Jones.

If you want to track your luggage on Virgin, follow these steps:

  • download the Virgin Australia app. It’s free!
  • enable push notifications via app settings
  • once enabled, a series of push notifications will be sent to your phone throughout the journey, including when the bag is checked in, loaded onto the aircraft, transferred to an international partner airline, and available for collection at the final destination. The tool will also advise the guest at which carousel the baggage will be available for collection.

For more information, visit here.

Best travel insurance

The latest CPI figures

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How much travel insurance costs in 2024

Conclusion: Is travel insurance worth it?

In a world of pandemics, flight cancellations, and lost luggage, travel insurance has become an important expense for travellers – if not always glamorous.

Travel insurance is designed to financially protect travellers from unexpected costs, such as medical evacuations and treatment, damaged belongings, or even rental car excess. 

Instead of the traveller paying completely out of pocket, they can make eligible claims on their travel insurance to get some or all of their money back.

For travellers on a budget, the right policy could make a huge financial difference.

However, many Australians may avoid considering travel insurance simply because they don’t know how much it costs in the first place.

Travel insurance costs depend on many things (such as destination, length of stay, and activities), so comparing travel insurance providers can help Aussies save where they can.

According to Mozo’s research, opting from an average premium to a cheaper one could save Aussie travellers over $100 per trip. 

“Mozo’s research shows Aussies could be paying hundreds of dollars more than they need to if they’re not comparing travel insurance policies,” says Mozo money expert Rachel Wastell.

“Travel insurance might not be the most exciting expense to organise when planning a holiday, but it’s critical Aussies don’t rip themselves off by choosing the first policy they see.”

The figures above are based on the cost of a comprehensive travel insurance policy for a family of four (two adults and two children), travelling to and from that destination for 14 days. The costs were then divided by two, as with family travel insurance policies, dependents are included for free.

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Japan travel insurance sales up 44% on 2019: SCTI

New research from Southern Cross Travel Insurance (SCTI) shows Japan is now the seventh most popular destination among its Australian travellers, behind Indonesia, UK, Italy, Thailand, France and Singapore, and ahead of both the USA and New Zealand.

The total number of policies sold for travel to Japan in the year ending 31 October 2023 was up 44 per cent on the same time pre-pandemic.

While the allure of Japan captivates Australian visitors, SCTI CEO, Jo McCauley, reminds travellers that unforeseen challenges can arise during travel.

“Japan, like any destination, may present unexpected situations. The recent earthquake and airline incidents highlight the importance of ensuring adequate coverage for your journey. This way, you can immerse yourself in the beauty of Japan, without worrying about the unknown,” McCauley said.


Jo McCauley, CEO SCTI

SCTI has revealed the average cost of claims paid in the year ending 31 October 2023 was $1,245. The most common claims were for medical reasons (34%), followed by mislaid or delayed property and baggage (30%), and then unexpected changes to customers’ travel plans (19%).

In the same 12 months, Southern Cross paid out more than $220,000 in travel insurance claims to Australians travelling to Japan, with the most expensive being $18,000 when a customer was admitted to hospital with bacterial pneumonia. Other expensive claims include $17,000 to support a customer who slipped on ice, breaking their ankle which required hospitalisation and surgery, as well as a customer who sustained a back injury after being hit from behind by an out-of-control snowboarder whilst skiing in the slow zone and incurring a claim of more than $12,000 in expenses for repatriation to Australia and medical support.

“Japan is a popular destination for skiing and snowboarding holidays during our summer but if you’re planning on hitting

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