Travel insurance Europe: Single trip travel insurance

If you're making one trip to Europe on holiday this year, these Best Rate travel insurance policies will give you the cover you need.

If you're taking two or three trips this year, it's usually cheaper to buy an annual travel insurance policy, which will cover all your breaks in a 12 month period – including trips within the UK. 

Which? Best Rate travel insurance policies provide the cheapest cover meeting our stringent criteria. Our policies include at least £2 million of medical cover for Europe and £5 million worldwide, £1,500 of cover for baggage and personal belongings and £3,000 for cancellation or curtailment.

We have also analysed the 22 most important elements of your travel insurance policy to see which providers offer the best all-round cover. Along with the standard features, we've assessed insurers for their terms on missed departures, delays, holiday and airline failure, terrorism cover and volcanic ash. Insurers that have a policy score of less than 65% are not included in the table. 

It is worth noting that policy details can change depending on how you buy the cover. Buying via a comparison site, for instance, could mean there may be age restrictions on cover. Likewise if you apply for winter sports cover. Always check the terms and conditions against your requirements and if there is a difference, buy direct from the provider. If there is a premium difference insurers may price match the quote you received elsewhere. 

Europe Best Rate single trip policies (7 days Europe)
7 Days Europe premiumPremiumMax age premium applies (Years)Policy score
Adult
Holidaysafe Premier£9a35b85%
Big Blue Cover Premier£944c76%
Covered2Go Gold£94984%
Topnotchcover Silver£10a54b69%
Bengo Travel Optimum£116465%
65 to 69 Years
AnnualTravelInsurance Super£16a6769%
Blue Bear Travel Gold£167081%
Covered2Go Gold£167084%
Holidaysafe Premier£18a7485%
Insuredtotravel Platinum£186984%
70 to 74 Years
Holidaysafe Premier£18a7485%
Blue Bear Travel Gold£238081%
Insuredtotravel Platinum£247484%
Letsgoinsure Travellers Choice£247485%
Bengo Travel Optimum£257465%
75 to 79 Years
Holidaysafe Premier£22a7985%
Blue Bear Travel Gold£238081%
Covered2Go Gold£258084%
Golfguard£267975%
Bengo Travel Optimum£317965%
80+ Years
Holidaysafe Premier£32a8485%
Bengo Travel Optimum£35No limitd65%
Blue Bear Travel Gold£37No limite81%
Covered2Go Gold£43No limite84%
Insuredtotravel Platinum£469584%
Family
Topnotchcover Silver£16a5469%
Big Blue Cover Premier£184476%
Covered2Go Gold£194984%
Holidaysafe Premier£205585%
NowIcantravel Premier£203568%

Table notes

  1. Online only. Phone price may be higher
  2. Premium increases slightly from age 36 to 55
  3. Premium increases slightly from age 45 to 54
  4. Price for age 84. Premium increases for 85 years plus
  5. Price for age 90. Premium increases for 91 years plus

Premiums were gathered during May 2015. It's worth checking with the insurer as there is a possibility the premiums have changed. This information is updated on a six-monthly basis - next update is due in November 2015.

Unexpected event cover - Icelandic volcanoes, civil unrest in Thailand and the Middle East and BA strikes are just some of the problems that have given travellers headaches in recent times - not least because it isn't immediately apparent whether your insurer will cover you if you have to cancel or cut short your holiday. Here, we reveal which insurance companies will cover you for six major unexpected events. 

Europe Best Rate single trip policies (15 days Europe)
15 Days Europe premiumPremiumMax age premium applies (Years)Policy score
Adult
Topnotchcover Silver£11a54b69%
Big Blue Cover Premier£114476%
Covered2Go Gold£114984%
Bengo Travel Optimum£114965%
Protect Your Bubble Premier£123567%
65 to 69 Years
AnnualTravelInsurance Super£18c6769%
Blue Bear Travel Gold£197081%
Covered2Go Gold£207084%
Multitrip Premier£20c6775%
Insuredtotravel Platinum£216984%
70 to 74 Years
Holidaysafe Premier£24c7485%
Blue Bear Travel Gold£278081%
Covered2Go Gold£278084%
Insuredtotravel Platinum£287484%
Letsgoinsure Travellers Choice£297485%
75 to 79 Years
Blue Bear Travel Gold£278081%
Covered2Go Gold£278084%
Holidaysafe Premier£30c7985%
Golfguard£337975%
Bengo Travel Optimum£377965%
80+ Years
Bengo Travel Optimum£41No limitd65%
Blue Bear Travel Gold£43No limite81%
Holidaysafe Premier£44c8485%
Covered2Go Gold£44No limite84%
Insuredtotravel Platinum£558584%
Family
Topnotchcover Silver£19a5469%
Big Blue Cover Premier£234476%
Covered2Go Gold£234984%
NowIcanTravel Premier£243568%
Holidaysafe Premier£24c3585%

Table notes

  1. Online only
  2. Slightly higher premium to age 65
  3. Online price. Phone price may be higher
  4. Price for age 84. Premium increases for 85 years plus
  5. Price for age 90. Premium increases for 91 years plus

Premiums were gathered during May 2015. It's worth checking with the insurer as there is a possibility the premiums have changed. This information is updated on a six-monthly basis - next update is due in November 2015.

Unexpected event cover - Icelandic volcanoes, civil unrest in Thailand and the Middle East and BA strikes are just some of the problems that have given travellers headaches in recent times - not least because it isn't immediately apparent whether your insurer will cover you if you have to cancel or cut short your holiday. Here, we reveal which insurance companies will cover you for six major unexpected events. 

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