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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. 

In this article
How do I find the best European travel insurance? How does our Best Rate travel insurance work?
Best European single trip travel insurance Best European annual travel insurance

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%

 

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