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European travel insurance reviews

By Jo Langenhan

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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. 

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.

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%
Online only. Slightly higher premium to age 65.
Blue Bear Travel Gold £13 60 83%
Holidaysafe Premier £15 55 92%
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%
Online price. Phone price may be higher.
Blue Bear Travel Gold £18 70 83%
Covered2Go Gold £19 70 85%
Multitrip Premier £20 67 65%
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%
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%
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%
Price for age 90. Premiums increases for 91 years plus.
Covered2Go Gold £44 No limit 83%
Price for age 90. Premiums increases for 91 years plus.
Holidaysafe Premier £47 No limit 92%
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%
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%
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.
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%
Slightly higher premium to age 64.
OUI Direct Gold £22 49 65%
Blue Bear Travel Gold £25 49 83%
Holidaysafe Premier £26 55 92%
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%
Online price. Phone price may be higher.
Insuredtotravel Platinum £63 69 84%
Letsgoinsure Traveller's Choice £76 69 87%
Online price. Phone price may be higher.
70 to 74 years
Holidaysafe Premier £51 74 92%
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%
Online price. Phone price may be higher.
75 to 79 years
Holidaysafe Premier £62 79 92%
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%
Online price. Phone price may be higher.
80 + years
Staysure Comprehensive £248 84 89%
Insureandgo Silver £252 No limit 74%
Price for age 85. Premiums increase for age 86 plus.
Cover Cloud Gold £293 85 69%
Saga £305 No limit 95%
Price for age 84. Premiums increase for age 85 plus.
Circle Cover Silver £320 No limit 75%
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%
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.
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