Top 5 European Travel Insurance Companies for Adventure Seekers

Top 5 European Travel Insurance Companies. Europe is a vast and diverse continent with beautiful and exciting countries to tour, spend your vacation, or backpack through.

Whether you live in Europe, have been to Europe in the past, or are visiting for the first time, getting travel insurance as part of preparations for your travel is a brilliant move.

Although it can’t prevent unforeseen hassles from happening, European travel insurance can help safeguard you against unfortunate situations arising from injuries, sickness, climates, trip cancellation or delay, lost, stolen, or damaged baggage, and so on.

At the same time, one also has to pick the right travel insurance company and coverage to ensure things go smoothly.

To be able to execute this task flawlessly, you must compare options and offers before settling for one.

To assist you with this, here are the Top 5 European Travel Insurance Companies for Adventure Seekers.

Top 5 European Travel Insurance Companies for Adventure Seekers

Numerous travel insurance companies offer coverage for travel to Europe, and below are five of the best.

Allianz Travel Insurance 

One of the top travel insurance providers that you should consider for your travel to Europe is Allianz Travel Insurance.

It offers broad coverage options, including some optional coverages such as “Cancel Anytime” coverage that reimburses 80% of non-refundable expenses for almost any reason that made you cancel. It also covers a rental car, “Required to Work” cancellation, and preexisting medical conditions.

Another great offering that makes Allianz Travel Insurance stand out is its OneTrip Prime plan, which offers:

• $500 in coverage for covered trip changes.
• $1,000 to cater for loss or damage of belongings.
• $50,000 for emergency medical expenses.
• $500,000 for emergency medical transportation.
• $100,000 per traveler in coverage for trip cancellation.
• 24-hour hotline assistance.
• $150,000 per traveler in coverage for trip interruptions. 
• And so on.

Upsides 

• There is coverage for preexisting medical conditions.
• Kids 17 and below are covered for free.
• 24-hour assistance.
• Optional cancel for any reason (CFAR).

Downside

• Lower coverage amount for medical expenses compared to some providers.

Generali Global Assistance 

Considered the best for medical emergencies, Generali Global Assistance offers pretty comprehensive coverage that can keep you safe during your trip to Europe. It covers medical expenses, emergency evacuation, and even preexisting medical conditions.

It offers optional “Cancel For Any Reason” coverage, which reimburses 60% of prepaid travel expenses for almost any reason for cancellation.

The company has a Premium Travel Insurance Plan, which offers advantages such as:

• 100% of what a trip cancellation costs you.
• $250,000 coverage limit for medical expenses.
• 175% of the trip cost for trip interruption.
• $1,000 per individual in coverage for missed connections.
• $25,000 in coverage for rental cars.
• $2,000 per individual in coverage for baggage.
• $500 for baggage delays.
• $1,000 per person for travel delays.
• 24-hour travel assistance.
• Concierge services.
• And so on.

Upsides

• It offers a “Cancel For Any Reason”.
• It covers preexisting medical conditions.
• It is considered the best for medical emergencies.
• It offers concierge services. 

Downside

• It only coverage only reimburses CFAR at 60%.

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World Trips

WorldTrips is a reputable travel insurance company that offers excellent insurance services that safeguard you on your trip to Europe. It is best for people traveling in groups of five or more, and it provides additional coverage for scenarios apart from emergency medical expenses.

Its medical coverage includes hospital room and board, ambulance transportation, and preexisting medical conditions.

Other benefits offered by this travel insurance company include:

• $5,000 for local burial or cremation.
• A discount of 10% off travel medical coverage for people traveling in groups of five or more.
• Up to $1 million in emergency medical evacuation coverage.
• $1,000 for lost checked luggage.
• 24-hour emergency travel assistance.
• $10,000 in coverage for trip interruption.
• Up to $25,000 in personal liability coverage.
• And so on.

Upsides

• Discounts for people travelling in groups of five or more.
• 24-hour emergency travel assistance.
• It covers local burial or cremation.

Downside

• It doesn’t cover trip cancellation.
• Coverage limits vary by age.

Travelex Insurance Services 

This is another fantastic travel insurance provider that offers broad coverage options for your travel to Europe.

It has a Travel Select plan which is a great choice for families who wish to customize their coverage so they only pay for what they need. It offers the option for numerous add-ons.

The Travel Select plan has other offers, such as:

• $50,000 in coverage for emergency medical expenses.
• $1,000 in coverage for baggage and personal belongings.
• $200 for baggage delays for 12 hours or longer.
• $2,000 in coverage for trip delays of 5 hours or longer
• $750 in coverage for missed connections.
• $25,000 for accidental death and dismemberment coverage.
• “Cancel for any reason” insurance.
• $50,000 in additional emergency medical coverage.
• $200,000 in coverage for flight accidental death and dismemberment.
• 100% of what a trip cancellation costs you.
• 24-hour travel assistance.
• And so on.

Upsides

• Kids who are 17 and younger are covered for free. 
• It covers missed connections.
• It has ‘Cancel for any reason’ insurance.
• It has 24-hour travel assistance.

Downside 

• It charges extra for some coverages.

Explorer Travel Insurance

Finally, on our helpful list of Top 5 European Travel Insurance Companies for Adventure Seekers is Explorer Travel Insurance. It is an excellent option for travellers going to Europe and beyond. It offers up to £5,000 in cancellation cover and £2 million medical and repatriation cover.

Unlike some travel insurance providers, Explorer Travel Insurance covers gadgets and some other personal belongings that wouldn’t be normally covered.

Other benefits offered by this wonderful travel insurance policy include:

• Legal expenses cover of £25,000.
• A personal liability covers up to £2 million.
• Up to £2,000 cover for baggage.

Upsides 

• A £2,000 cover for baggage.
• A £5,000 cover for cancellation.
• It covers gadgets.

Downsides

• It doesn’t offer hospital benefits.
• It charges premiums that are higher than some insurance providers.

Our final thoughts on the Top 5 European Travel Insurance Companies for Adventure Seekers

As you prepare to go on your next adventure through Europe, ensure to get the right travel insurance policy so you don’t get blindsided.