How do I find the best 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 £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.
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.
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 2018. 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 2018.
| Provider | Policy name | Premium | Maximum age premium applies to | Which? policy score |
|---|---|---|---|---|
| OUL Direct | Gold | £10 | 40 | 65% |
| Covered to Go
More info Premiums are slightly more expensive to age 60. | Gold | £10 | 49 | 81% |
| Top Notch Cover
More info Premiums quoted are online only. Telephone prices may be higher. Premiums to age 65 are slightly more expensive. | Silver | £11 | 54 | 65% |
| Holidaysafe
More info Premiums increase slightly from age 56 to 60. | Premier | £14 | 55 | 92% |
| Insured to Travel | Silver | £15 | 64 | 84% |
Best European annual travel insurance
The premiums in this table cover an annual travel insurance policy to Europe.
Much like with our single-trip prices, prices were gathered in March 2018. We'll be updating them again in November 2018.
| Provider | Policy | Premium | Maximum age premium applies to | Which? policy score |
|---|---|---|---|---|
| Best policies for adults aged under 65 | ||||
| Covered2Go | Gold | £22 | 49 | 81% |
| Leisurecare
More info Premiums are slightly higher between age 55 and 64. | Multi Traveller | £22 | 54 | 80% |
| OUL Direct | Gold | £22 | 49 | 65% |
| Blue Bear Travel | Gold | £25 | 49 | 79% |
| Holidaysafe
More info Online price only. Telephone prices may be higher. Premiums are slightly higher between age 55 and 64. | Premier | £29 | 55 | 92% |
| Best policies for adults aged 65 to 69 | ||||
| Blue Bear Travel | Premier | £45 | 70 | 79% |
| Covered2Go | Gold | £45 | 70 | 81% |
| Holidaysafe
More info Online price only. Telephone prices may be higher. | Premier | £52 | 74 | 92% |
| Insured to Travel | Premier | £70 | 69 | 84% |
| Letsgoinsure
More info Online price only. Telephone prices may be higher. | Traveller's Choice | £76 | 69 | 87% |
| Best policies for adults aged 70 to 74 | ||||
| Holidaysafe
More info Online price only. Telephone prices may be higher. | Premier | £52 | 74 | 92% |
| Covered2Go | Gold | £63 | 74 | 81% |
| Blue Bear Travel | Gold | £65 | 74 | 79% |
| Leisureguard Travel | Premier | £79 | 75 | 81% |
| Letsgoinsure
More info Online price only. Telephone prices may be higher. | Traveller's Choice | £82 | 74 | 87% |
| Best policies for adults aged 75 to 79 | ||||
| Holidaysafe
More info Online price only. Telephone prices may be higher. | Premier | £63 | 79 | 92% |
| Covered2Go | Gold | £99 | 79 | 81% |
| Blue Bear Travel | Gold | £109 | 79 | 79% |
| Golfguard | - | £124 | 79 | 67% |
| Boots | Silver | £125 | 79 | 73% |
| Best policies for adults aged 80 and over | ||||
| Staysure | Gold | £225 | 84 | 96% |
| Insure and Go
More info The price we've shown is for a traveller aged 85. Prices increase from age 86 onwards. | Silver | £252 | No limit | 74% |
| Cover Cloud | Gold | £292 | No limit | 69% |
| Saga
More info Online price only. Telephone prices may be higher. The price we've shown is for a traveller aged 84. Prices increase from age 85 onwards. | - | £333 | 85 | 95% |
| Co-operative Insurance
More info Online price only. Telephone prices may be higher. The price we've shown is for a traveller aged 85. Prices increase from age 86 onwards. | Gold | £350 | No limit | 75% |
| Best policies for families | ||||
| Topnotchcover | Silver | £44 | 54 | 65% |
| Covered2Go | Gold | £45 | 49 | 81% |
| Leisurecare | Multi Traveller | £50 | 54 | 80% |
| Blue Bear Travel | Gold | £51 | 49 | 79% |
| Holidaysafe
More info Online price only. Telephone prices may be higher. | Premier | £53 | 35 | 92% |
