Travel insurance Europe: Single trip travel insurance

If you're heading to Europe for your holiday, these Best Rate travel insurance policies will give you the cover you need.

If you make more than two or three trips a year, it's usually cheaper to buy an annual travel insurance policy, which will cover all your trips for a year – including trips within the UK. 

Which? Best Rate travel insurance policies provide the cheapest cover that meets stringent criteria. All of our Best Rate 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 policy 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 where you buy the cover. If you go through a comparison site, for instance, it is possible that there may be age restrictions on cover. Likewise if you apply for winter sports cover. So always check the terms and conditions provided via an intermediary against your requirements and if there is a difference, buy direct from the provider. If there is a premium difference insurers may well 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
Big Blue Cover Premier£96081%
Blue Bear Travel Gold£116079%
Covered2Go Gold£106082%
Holidaysafe Premier£1055b85%
Topnotchcover Silver£10a54b67%
65 to 69 Years
AnnualTravelInsurance Super£16c6774%
Blue Bear Travel Gold£167081%
Covered2Go Gold£187082%
Holidaysafe Premier£187485%
Letsgoinsure Travellers Choice£186983%
70 to 74 Years
Holidaysafe Premier£187485%
Insuredtotravel Platinum£237484%
Blue Bear Travel Gold£248081%
Letsgoinsure Travellers Choice£247483%
Bengo Travel Optimum£267465%
75 to 79 Years
Holidaysafe Premier£227985%
Blue Bear Travel Gold£248081%
Covered2Go Gold£268082%
Golfguard£267975%
Bengo Travel Optimum£317965%
80+ Years
Holidaysafe Premier£328485%
Bengo Travel Optimum£35No limitd65%
Blue Bear Travel Gold£36No limite81%
Covered2Go Gold£38No limite82%
Insuredtotravel Platinum£439584%
Family
Big Blue Cover Premier£164475%
Topnotchcover Silver£16a5467%
Blue Bear Travel Gold£184981%
Covered2Go Gold£194982%
Holidaysafe Premier£205585%

Table notes

  1. Online only
  2. Slightly higher premium for 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
  6. Price for age 95. Premium increases for 86 years plus

Premiums were gathered during September 2014. 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 1st May 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
Big Blue Cover Premier£116475%
Blue Bear Travel Gold£136081%
Topnotchcover Silver£11a54b67%
Bengo Travel Optimum£126465%
Covered2Go Gold£136082%
65 to 69 Years
AnnualTravelInsurance Super£18c6774%
Blue Bear Travel Gold£197081%
Letsgoinsure Travellers Choice£206983%
Multitrip Premier£20c6775%
Covered2Go Gold£217082%
70 to 74 Years
Holidaysafe Premier£247485%
Blue Bear Travel Gold£268081%
Letsgoinsure Travellers Choice£267483%
Insuredtotravel Platinum£277484%
Bengo Travel Optimum£317465%
75 to 79 Years
Blue Bear Travel Gold£268081%
Holidaysafe Premier£307985%
Covered2Go Gold£318082%
Golfguard£337975%
Bengo Travel Optimum£377965%
80+ Years
Bengo Travel Optimum£41No limitd65%
Blue Bear Travel Gold£43No limite81%
Holidaysafe Premier£448485%
Covered2Go Gold£47No limite82%
Insuredtotravel Platinum£509584%
Family
Topnotchcover Silver£19a5467%
Big Blue Cover Premier£194475%
Blue Bear Travel Gold£214981%
Covered2Go Gold£234982%
Holidaysafe Premier£243585%

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
  6. Price for age 85. Premium increases for 86 years plus

Premiums were gathered during September 2014. 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 1st May 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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