Travel insurance: European travel insurance

Whether you are taking just one trip or many trips to Europe in the next 12 months our Best Rate policies will give you the cover you need at an affordable rate.

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 including missed departures, delays, holiday and airline failure, terrorism cover and volcanic ash. Insurers with a policy score of less than 65% are not include. 

It is worth noting that policy details can change depending on whether you buy direct or via a comparison site. Always check the terms and conditions of your policy carefully.

Europe Best Rate single trip policies (15 days)
 PremiumMaximum age premium applies (year)Policy score
Adult
Topnotchcover Silver£11a54b69%
Covered2Go Gold£114984%
Bengo Travel Optimum£114965%
Protect Your Bubble Premier£123567%
Holidaysafe Premier£12c3585%
65 to 69 years
AnnualTravelInsurance Super£18c6769%
Covered2Go Gold£187084%
Blue Bear Travel Gold£197081%
Multitrip Premier£20c6775%
Insuredtotravel Platinum£216984%
70 to 74 years
Holidaysafe Premier£24c7485%
Covered2Go Gold£278084%
Blue Bear Travel Gold£288081%
Insuredtotravel Platinum£287484%
Letsgoinsure Traveller's Choice£297485%
75 to 79 years
Covered2Go Gold£278084%
Blue Bear Travel Gold£288081%
Holidaysafe Premier£30c7985%
Golfguard Single Trip£337975%
Bengo Travel Optimum£377965%>
80 + years
Bengo Travel Optimum£41No limitd65%
Holidaysafe Premier£44c8485%
Blue Bear Travel Gold£44No limite81%
Covered2Go Gold£44No limite84%
GetSure Premier£459081%
Family
Topnotchcover Silver£19a5469%
Covered2Go Gold£234984%
Holidaysafe Premier£24c3585%
Blue Bear Travel Gold£254981%
GetSure Premier£264981%

Table Notes:
a. Online only b. Slightly higher premium to age 65 c. Online price. Phone price may be higher d. Price for age 84. Premiums increases for 85 years plus e. Price for age 90. Premiums increases for 91 years plus 

Premiums were gathered during October 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 May 2016.

 

Europe Best Rate annual trip policies
 PremiumMaximum age premium applies (year)Policy score
Adult
Covered2Go Gold£224984%
Leisurecare Multi Traveller£2259a66%
OUI Direct Gold£224970%
Holidaysafe Premier£23b55a85%
Blue Bear Travel Gold£254981%
65 to 69 years
Covered2Go Gold£457084%
Blue Bear Travel Gold£467081%
Holidaysafe Premier£46b7485%
Leisureguard Premier£616973%
Insuredtotravel Platinum£636984%
70 to 74 years
Holidaysafe Premier£46b7485%
Covered2Go Gold£637484%
Insuredtotravel Platinum£637584%
Blue Bear Travel Gold£657481%
Letsgoinsure Traveller's Choice£66b7485%
75 to 79 years
Holidaysafe Premier£56b7985%
Covered2Go Gold£1077984%
Blue Bear Travel Gold£1087981%
Golfguard£1087975%
American Express Annual Multi Trip£1357965%>
80 + years
Saga£183bNo limitc95%
Insureandgo Silver£197No limitd71%
Staysure Comprehensive£2498582%
Circlecover Silver£315bNo limitd71%
Castle Cover Silver£325b85c68%
Family
Topnotchcover Silver£445469%
Covered2Go Gold£454984%
Holidaysafe Premier£46b3585%
Leisurecare Multi Traveller£505966%
Blue Bear Travel Gold£514981%

Table Notes:
a. Slightly higher premium to age 64 b. Online price. Phone price may be higher c. Price for age 80. Premiums increase for age 81 plus d. Price for age 85. Premiums increase for age 86 plus 

Premiums were gathered during October 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 May 2016..

 

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