European travel insurance reviews

Travel insurance

European travel insurance reviews

By Simon Miller

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European travel insurance reviews

See which insurers will give you the cover you need at an affordable rate if you're travelling to Europe. 

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 included.

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)
  Premium Maximum age premium applies (year) Policy score
Adult
OUL Direct Gold £10 40 65%
Topnotchcover Silver £11a 54b 65%
Covered2Go Gold £11 49 81%
Protect Your Bubble Premier £12 35 67%
Holidaysafe Premier £13c 35 92%
65 to 69 years
AnnualTravelInsurance Super £18c 67 65%
Covered2Go Gold £18 70 81%
Blue Bear Travel Gold £19 70 79%
Multitrip Premier £20c 67 65%
Insuredtotravel Platinum £21 69 83%
70 to 74 years
Covered2Go Gold £25 80 81%
Holidaysafe Premier £25c 74 92%
Blue Bear Travel Gold £28 80 79%
Insuredtotravel Platinum £28 74 83%
Letsgoinsure Traveller's Choice £28 74 87%
75 to 79 years
Covered2Go Gold £25 80 81%
Blue Bear Travel Gold £28 80 79%
Holidaysafe Premier £31c 79 92%
Golfguard Single Trip £33 79 67%
Insuredtotravel Platinum £42 80 83% >
80 + years
Holidaysafe Premier £45c 85 92%
Blue Bear Travel Gold £46 No limitd 79%
Covered2Go Gold £49 No limitd 81%
Insuredtotravel Platinum £55 85 83%
Letsgoinsure Travellers Choice £57 85 87%
Family
Topnotchcover Silver £19a 54 65%
OUL Direct Gold £22 40 65%
Covered2Go Gold £23 49 81%
Blue Bear Travel Gold £25 49 79%
Holidaysafe Premier £26c 35 92%

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

Premiums were gathered during September 2016. 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 2017.

Europe Best Rate annual trip policies
  Premium Maximum age premium applies (year) Policy score
Adult
Covered2Go Gold £22 49 81%
Leisurecare Multi Traveller £22 59a 65%
OUI Direct Gold £22 49 65%
Blue Bear Travel Gold £25 49 79%
Holidaysafe Premier £25b 55a 92%
65 to 69 years
Covered2Go Gold £45 70 81%
Blue Bear Travel Gold £46 70 79%
Holidaysafe Premier £48b 74 92%
Insuredtotravel Platinum £63 69 83%
Letsgoinsure Traveller's Choice £65b 69 87%
70 to 74 years
Holidaysafe Premier £48b 74 92%
Insuredtotravel Platinum £63 75 83%
Covered2Go Gold £64 74 81%
Blue Bear Travel Gold £65 74 79%
Letsgoinsure Traveller's Choice £65b 74 87%
75 to 79 years
Holidaysafe Premier £58b 79 92%
Covered2Go Gold £107 79 81%
Blue Bear Travel Gold £108 79 79%
Golfguard Annual Multi Trip £108 79 67%
Boots Silver £132 79 73% >
80 + years
Insureandgo Silver £197 No limitc 74%
Staysure Comprehensive £257 85 89%
Saga £259b No limitd 92%
RAC Silver £290 85 65%
Circle Cover Silver £331b No limitc 75%
Family
Topnotchcover Silver £44 54 65%
Covered2Go Gold £45 49 81%
Holidaysafe Premier £48b 35 92%
Leisurecare Multi Traveller £50 59 65%
Blue Bear Travel Gold £51 49 79%

Table Notes:
a. Slightly higher premium to age 64 b. Online price. Phone price may be higher c. Price for age 85. Premiums increase for age 86 plus  d. Price for age 84. Premiums increase for age 85 plus

Premiums were gathered during September 2016. 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 2017..