How do I find the best European travel insurance?
Whether you're making one trip to Europe in the next 12 months or several, 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 that meets our stringent criteria.
Our policies include at least £2m of medical cover for Europe, £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.
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.
How does our Best Rate travel insurance work?
Our Best Rate tables cover five groups of travellers.
- Adults under 65
- Adults age 65 to 69
- Adults age 70 to 74
- Adults age 75 to 79
- Adults age 80 and over
- Families.
Use the drop down menu to find the group you fall into and see which policies we've picked out as the best, in terms of both price and the quality of cover.
Best European single trip travel insurance
The premiums in this table cover a single trip to Europe for 15 days.
Premiums were gathered during March 2019. Always check with the insurer before getting a policy, as premiums may have changed.
This information is updated on a six-monthly basis - we'll next update the tables in November 2019.
| Provider | Policy name | Premium | Maximum age premium applies to | Which? policy score |
|---|---|---|---|---|
| Bengo Travel | Optimum | £13 | 64 | 58% |
| Letsgoinsure | Traveller's Choice | £14 | 64 | 65% |
| TopNotchCover | Silver | £15 | 64 | 59% |
| Insured To Travel | Silver | £18 | 64 | 74% |
| Holidaysafe
More info Online price only. Telephone prices may be higher. | Premier | £19 | 65 | 81% |
Best European annual travel insurance
The premiums in this table cover an annual travel insurance policy to Europe.
Prices were gathered in March 2019, so make sure you check with the insurer for up-to-date pricing.
We'll be updating them again in May 2020.
| Provider | Policy | Premium | Maximum age premium applies to | Which? policy score |
|---|---|---|---|---|
| Best policies for adults aged under 65 | ||||
| Leisurecare | Traveller's Choice | £27 | 64 | 69% |
| Holidaysafe
More info Online price only. Telephone prices may be higher. | Premier | £37 | 65 | 81% |
| Letsgoinsure | Traveller's Choice | £38 | 64 | 65% |
| Avanti | Classic | £40 | 64 | 71% |
| Staysure | Comprehensive | £40 | 65 | 81% |
| Best policies for adults aged 65 to 69 | ||||
| Blue Bear Travel | Gold | £46 | 70 | 71% |
| Covered2Go | Gold | £50 | 70 | 73% |
| Holidaysafe
More info Online price only. Telephone prices may be higher. | Premier | £54 | 74 | 81% |
| Letsgoinsure | Traveller's Choice | £71 | 69 | 65% |
| Annual Travel Insurance | Super | £74 | 69 | 65% |
| Best policies for adults aged 70 to 74 | ||||
| Holidaysafe
More info Online price only. Telephone prices may be higher. | Premier | £54 | 74 | 81% |
| Blue Bear Travel | Gold | £66 | 74 | 72% |
| Covered2Go | Gold | £70 | 74 | 73% |
| Letsgoinsure | Traveller's Choice | £97 | 74 | 65% |
| Boots
More info Online price only. Telephone prices may be higher. | Silver | £100 | 74 | 64% |
| Best policies for adults aged 75 to 79 | ||||
| Holidaysafe
More info Online price only. Telephone prices may be higher. | Premier | £66 | 79 | 81% |
| Blue Bear Travel | Gold | £109 | 79 | 72% |
| Covered2Go | Gold | £120 | 79 | 73% |
| Bengo Travel | Optimum | £137 | 79 | 58% |
| Boots
More info Online price only. Telephone prices may be higher. | Silver | £149 | 79 | 64% |
| Best policies for adults aged 80 and over | ||||
| Free Spirit
More info Premium for age 84. It increases for anyone aged 85 or over. | Super Duper | £201 | No limit | 69% |
| Insurancewith
More info Online price only. Telephone prices may be higher. | Sapphire | £202 | 85 | 65% |
| Virgin Money
More info Premium for age 84. It increases for anyone aged 85 or over. | Silver | £203 | No limit | 60% |
| Staysure
More info Premium for age 84. It increases for anyone aged 85 or over. | Comprehensive | £238 | No limit | 81% |
| Insure and Go
More info Premium for age 85. It increases for anyone aged 86 or over. | Silver | £252 | No limit | 63% |
| Best policies for families | ||||
| Topnotchcover | Silver | £46 | 54 | 59% |
| Covered2Go | Gold | £49 | 49 | 73% |
| Leisurecare | Traveller's Choice | £50 | 54 | 69% |
| Holidaysafe
More info Online price only. Telephone prices may be higher. | Gold | £51 | 35 | 81% |
| Letsgoinsure | Traveller's Choice | £51 | 65 | 65% |
