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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 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 September 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 May 2019.

Provider Policy
name
Premium Maximum
age premium
applies to
Which?
policy score
OUL Direct Gold £10 40 65%
Blue Bear Travel Gold £13 60 79%
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%
Covered to Go

 

More info

Premiums are slightly more expensive to age 60.

Gold £14 60 81%
Holidaysafe

 

More info

Premiums increase slightly from age 56 to 60.

Premier £15 55 97%

 

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 September 2018. We'll be updating them again in May 2019. 

Provider Policy Premium Maximum
age premium
applies to
Which?
policy score
Best policies for adults aged under 65
Leisurecare

 

More info

Premiums are slightly higher between age 55 and 64.

Multi
Traveller
£22 54 80%
OUL Direct Gold £22 49 65%
Covered2Go Gold £24 49 81%
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 £47 70 81%
Holidaysafe

 

More info

Online price only. Telephone prices may be higher.

Premier £52 74 92%
Insured to Travel Premier £72 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 £62 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 £101 79 81%
Blue Bear Travel Gold  £109 79 79%
Boots Silver £125 79 73%
Golfguard - £129 79 67%
Best policies for adults aged 80 and over
Staysure Gold £233 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 £373 No limit 75%
Best policies for families
Topnotchcover Silver £44 54 65%
Covered2Go Gold £47 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%

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