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 £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.
Best European single trip travel insurance
| Europe Best Rate single trip policies (15 days) | |||||||||||||||||||
| Premium | Maximum age premium applies (year) | Policy score | |||||||||||||||||
| Adult | |||||||||||||||||||
| OUL Direct Gold | £10 | 40 | 65% | ||||||||||||||||
| Top Notch Cover Silver | £11 | 54 | 65% | ||||||||||||||||
| More info Online only. Slightly higher premium to age 65. | |||||||||||||||||||
| Blue Bear Travel Gold | £13 | 60 | 83% | ||||||||||||||||
| Holidaysafe Premier | £15 | 55 | 92% | ||||||||||||||||
| More info Online price. Phone price may be higher. Slightly higher premium to age 65. | |||||||||||||||||||
| Letsgoinsure Traveller's Choice | £16 | 65 | 87% | ||||||||||||||||
| 65 to 69 years | |||||||||||||||||||
| AnnualTravelInsurance Super | £18 | 67 | 65% | ||||||||||||||||
| More info Online price. Phone price may be higher. | |||||||||||||||||||
| Blue Bear Travel Gold | £18 | 70 | 83% | ||||||||||||||||
| Covered2Go Gold | £19 | 70 | 85% | ||||||||||||||||
| Multitrip Premier | £20 | 67 | 65% | ||||||||||||||||
| More info Online price. Phone price may be higher. | |||||||||||||||||||
| Letsgoinsure Traveller's Choice | £21 | 69 | 87% | ||||||||||||||||
| 70 to 74 years | |||||||||||||||||||
| Covered2Go Gold | £27 | 80 | 85% | ||||||||||||||||
| Holidaysafe Premier | £27 | 74 | 92% | ||||||||||||||||
| More info Online price. Phone price may be higher. | |||||||||||||||||||
| Blue Bear Travel Gold | £28 | 80 | 83% | ||||||||||||||||
| Golfguard Single Trip | £40 | 79 | 67% | ||||||||||||||||
| Letsgoinsure Traveller's Choice | £40 | 80 | 87% | ||||||||||||||||
| 75 to 79 years | |||||||||||||||||||
| Covered2Go Gold | £27 | 80 | 85% | ||||||||||||||||
| Blue Bear Travel Gold | £28 | 80 | 83% | ||||||||||||||||
| Holidaysafe Premier | £32 | 79 | 92% | ||||||||||||||||
| More info Online price. Phone price may be higher. | |||||||||||||||||||
| Golfguard Single Trip | £40 | 79 | 67% | ||||||||||||||||
| Letsgoinsure Traveller's Choice | £42 | 74 | 87% | ||||||||||||||||
| 80 + years | |||||||||||||||||||
| Blue Bear Travel Gold | £44 | No limit | 83% | ||||||||||||||||
| More info Price for age 90. Premiums increases for 91 years plus. | |||||||||||||||||||
| Covered2Go Gold | £44 | No limit | 83% | ||||||||||||||||
| More info Price for age 90. Premiums increases for 91 years plus. | |||||||||||||||||||
| Holidaysafe Premier | £47 | No limit | 92% | ||||||||||||||||
| More info Online price. Phone price may be higher. | |||||||||||||||||||
| Insuredtotravel Silver | £55 | 85 | 84% | ||||||||||||||||
| Nowicantravel Premier | £59 | 84 | 65% | ||||||||||||||||
| Family | |||||||||||||||||||
| Top Notch Cover Silver | £19 | 54 | 65% | ||||||||||||||||
| More info Online only. Slightly higher premium to age 65. | |||||||||||||||||||
| OUL Direct Gold | £22 | 40 | 65% | ||||||||||||||||
| Covered2Go Gold | £24 | 49 | 83% | ||||||||||||||||
| Blue Bear Travel Gold | £25 | 49 | 83% | ||||||||||||||||
| Holidaysafe Premier | £27 | 35 | 92% | ||||||||||||||||
| More info Online price. Phone price may be higher. | |||||||||||||||||||
Premiums were gathered during September 2017. 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 2018.
Best European annual travel insurance
| Europe Best Rate annual trip policies | |||||||||||||||||||
| Premium | Maximum age premium applies (year) | Policy score | |||||||||||||||||
| Adult | |||||||||||||||||||
| Covered2Go Gold | £22 | 49 | 85% | ||||||||||||||||
| Leisurecare Multi Traveller | £22 | 54 | 80% | ||||||||||||||||
| More info Slightly higher premium to age 64. | |||||||||||||||||||
| OUI Direct Gold | £22 | 49 | 65% | ||||||||||||||||
| Blue Bear Travel Gold | £25 | 49 | 83% | ||||||||||||||||
| Holidaysafe Premier | £26 | 55 | 92% | ||||||||||||||||
| More info Online price. Phone price may be higher. Slightly higher premium to age 64. | |||||||||||||||||||
| 65 to 69 years | |||||||||||||||||||
| Covered2Go Gold | £44 | 70 | 85% | ||||||||||||||||
| Blue Bear Travel Gold | £45 | 70 | 83% | ||||||||||||||||
| Holidaysafe Premier | £51 | 74 | 92% | ||||||||||||||||
| More info Online price. Phone price may be higher. | |||||||||||||||||||
| Insuredtotravel Platinum | £63 | 69 | 84% | ||||||||||||||||
| Letsgoinsure Traveller's Choice | £76 | 69 | 87% | ||||||||||||||||
| More info Online price. Phone price may be higher. | |||||||||||||||||||
| 70 to 74 years | |||||||||||||||||||
| Holidaysafe Premier | £51 | 74 | 92% | ||||||||||||||||
| More info Online price. Phone price may be higher. | |||||||||||||||||||
| Covered2Go Gold | £55 | 74 | 85% | ||||||||||||||||
| Insuredtotravel Platinum | £63 | 74 | 84% | ||||||||||||||||
| Blue Bear Travel Gold | £65 | 74 | 81% | ||||||||||||||||
| Letsgoinsure Traveller's Choice | £82 | 74 | 87% | ||||||||||||||||
| More info Online price. Phone price may be higher. | |||||||||||||||||||
| 75 to 79 years | |||||||||||||||||||
| Holidaysafe Premier | £62 | 79 | 92% | ||||||||||||||||
| More info Online price. Phone price may be higher. | |||||||||||||||||||
| Covered2Go Gold | £96 | 79 | 85% | ||||||||||||||||
| Blue Bear Travel Gold | £109 | 79 | 83% | ||||||||||||||||
| Golfguard Annual Multi Trip | £124 | 79 | 67% | ||||||||||||||||
| Boots Silver | £125 | 79 | 73% | ||||||||||||||||
| More info Online price. Phone price may be higher. | |||||||||||||||||||
| 80 + years | |||||||||||||||||||
| Staysure Comprehensive | £248 | 84 | 89% | ||||||||||||||||
| Insureandgo Silver | £252 | No limit | 74% | ||||||||||||||||
| More info Price for age 85. Premiums increase for age 86 plus. | |||||||||||||||||||
| Cover Cloud Gold | £293 | 85 | 69% | ||||||||||||||||
| Saga | £305 | No limit | 95% | ||||||||||||||||
| More info Price for age 84. Premiums increase for age 85 plus. | |||||||||||||||||||
| Circle Cover Silver | £320 | No limit | 75% | ||||||||||||||||
| More info Price for age 84. Premiums increase for age 85 plus. | |||||||||||||||||||
| Family | |||||||||||||||||||
| Topnotchcover Silver | £44 | 54 | 65% | ||||||||||||||||
| Covered2Go Gold | £45 | 49 | 85% | ||||||||||||||||
| Leisurecare Multi Traveller | £50 | 54 | 80% | ||||||||||||||||
| Blue Bear Travel Gold | £51 | 49 | 83% | ||||||||||||||||
| Holidaysafe Premier | £51 | 35 | 92% | ||||||||||||||||
| More info Online price. Phone price may be higher. | |||||||||||||||||||
Premiums were gathered during September 2017. 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 2018.
