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Europe Travel Insurance - Get a quote


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Why Do I Need Travel Insurance In Europe?


The cost of an air ambulance from Europe back to Australia.


Cost of repatriation on a plane from Europe to Australia.


The average cost of a weekly hospital stay in Europe.*


And Did you know...?


  1. 1.  Of the 10 most most expensive countries for medical and healthcare in the world, eight of them are in Europe.
  2. 2.  The baggage mishandling rate in Europe is the highest in the world.
  3. 3.  The top five cities you’re most likely to be pickpocketed are all in Europe: Barcelona, Rome, Prague, Madrid, and Paris.
  4. 4.   In 2020, 351 people were killed in European bus and coach crashes.
  5. 5.   Transport related tourist injuries account for 20% of hospital admissions, 30% of emergency treatments and over 50% of fatalities.
  6. 6.   In 2023, about 600,000 people in Europe ended up with an injury caused by skiing, snowboarding, or other snow sport. 

Travel insurance can't prevent things from happening. But if you have 1Cover Travel Insurance, you'll have someone there when one thing goes wrong. Keep reading to find out everything you need to know about travel insurance for Europe.

*if not covered by any reciprocal agreement

What Are My Travel Insurance Options For Europe?

Option 1


This is our highest level of cover. 


Option 2

Medical Only

For medical expense coverage only.

Option 3

Frequent Traveller

If you travel more than once a year.

We've provided an outline for each of the options below. If you need more information or need to view the terms and conditions, please take a look at the PDS, or get an instant quote now.


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Option 1: Comprehensive Cover


Comprehensive Travel Insurance is our highest level of cover. From Spain to Greece, and everywhere in between, we have optional add-ons for snow, cruise, extra rental vehicle excess, and high-value items.

If you have pets, we include vet fees if your pet gets sick while you're away, and we'll pay pet boarding fees if you're delayed. 

For a detailed outline of benefits and inclusions, as well terms and conditions, please refer to the PDS, or get an instant quote now.

Europe Travel Insurance Policy Benefit Overseas Single-Trip
medical Cover 

Overseas Emergency Medical Assistance^


Overseas Emergency Medical & Hospital Expenses^*


Includes Dental Expenses (per adult)^


Resumption Of Journey^*


Hospital Cash Allowance^*


Repatriation Of Remains


Permanent Disability^*


Loss of Income^*


luggage Cover 

Credit Card Fraud & Replacement^


Includes Travel Documents & Traveller's Cheques^


Theft Of Cash^#


Luggage & Personal Effects*


Luggage & Personal Effects Delay Expenses^


cancellation Cover 

Additional Accommodation & Travel Expenses*


Includes Family Emergency*


Includes Emergency Companion Cover*


Cancellation Fees & Lost Deposits*


Disruption Of Journey*


Alternative Transport Expenses^


ancillary Cover 

Personal Liability#

$5 million

Domestic Pets^*


Domestic Services^*


Rental Vehicle Insurance Excess#*



Choose Add-ons For your Comprehensive cover

If you’re travelling with expensive new items, going cruising, hitting the ski slopes, or you're worried about car rental insurance excess, then you may want to select the following add-ons. 

Cruise Ship

Protect yourself while cruising in
Europe with our
Cruise Pack add-on.

Ski Equipment
Winter Sports

Cover yourself and your gear on your ski or snowboarding trip with our Winter Sports Pack add-on.

Car Rental
More Cover for Your Rental Vehicle 

We automatically cover rental excess up to $5,000. But you can increase this up to $8,000 if you need to.

Expensive Items
High Value
Items Cover

Protect high-value items that are not automatically covered by your policy. Note: items cannot be older than 12 months.

Option 2: Medical Only Cover

If you're travelling on a budget, and looking for cheap travel insurance to Europe, then 1Cover’s Medical Only policy offers a cheaper alternative to comprehensive travel insurance. It's our most basic policy and will only provide cover for any medical expenses and emergency assistance costs. 

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the PDS, or get an instant quote now.

Medical Only Cover Policy
Medical Only Policy
Single Trip
medical Cover 

Overseas Emergency Medical Assistance^


Overseas Emergency Medical & Hospital Expenses^*


Includes Dental Expenses (per adult)^



Personal Liability#

$5 million

Option 3: Annual or Frequent Traveller Cover

Do you travel more than once a year to Europe? Maybe you're going to Italy for one trip, and France for the next. Whatever, you're doing, it might make sense to buy a multi trip annual policy. This works just like our comprehensive cover (detailed above), except you can take as many trips as you want in a year and you’ll still be covered.

Let us know the maximum trip duration of any one trip before selecting from the options below.


Frequent Traveller 21 days maximum


Frequent Traveller 45 days maximum


Find out which Annual Frequent Traveller cover policy would suit you best here. 

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the PDS, or get an instant quote now.


Europe Travel Insurance FAQs

  • Do Reciprocal Health agreements apply in Europe? 
  • Australia has reciprocal health care agreements with some countries in Europe. Reciprocal health care agreements provide health care in some circumstances, but will not cover all health care needs - in particular emergency assistance and repatriation, costs of medicines and dental care. Find out more here. 

  • I’m Travelling To Multiple Countries Around Europe. Do I Need To List All My Destinations?
  • When you apply for a policy you need to tell us where you are travelling to. The premium you pay for the policy depends on your destination(s). The policy only covers loss, injury or illness which occurs in the countries you have told us you will visit. 

    If you're travelling to multiple countries around Europe, you need to nominate the countries when you are applying for cover. 

    If you’re going on a cruise, you must select the appropriate cruise region for where you are travelling and pay an additional premium for travel on a cruise vessel by purchasing the Cruise Pack. If you don't purchase a cruise pack, you won't be covered while on the ship. There is, however, no cover under any sections of the policy when you are on a cargo ship or freighter.

  • Do i need a schengen Visa for Europe?
  • Australian passport holders generally don't not need a visa for short stays in Europe, but some residents residing in Australia may need a Schengen visa, depending on their citizenship. To determine whether you need a visa, please check this website for more details. 

  • Can I Apply To Extend My Travel Insurance Policy While I’m Away?
  • Yes, of course. If you want to extend your policy while you’re in the Europe, the easiest way to do this is via the Policy Manager.
    You'll need your policy number (available in the email confirming your policy), and a few other simple details. Log-in and extend your trip, add destinations, or buy add ons/extras.

    Make sure you extend your policy before it expires (please keep in mind Australian AEST/AEDST).

    If you have trouble, you can email us at [email protected]

    Please note there may be instances where a policy extension is not available. 

  • Will You Pay My Hospital Bills If I get Sick Or Injured In Europe?
  • Please refer to the PDS and policy schedule and check if your sickness or injury is a claimable event and is covered. If you are hospitalised, or if you are treated as an outpatient, or if the total cost of the treatment will exceed $1000, please contact our emergency assistance service as soon as possible to obtain their prior approval.

    In circumstances where the claim is approved, we can then provide written guarantees of payment of reasonable expenses for emergency hospitalisation that may be required while you are in Europe.

  • Am I Covered For Off-Piste Skiing & Snowboarding in Europe?
  • Yes, we provide cover for off-piste skiing and snowboarding as long as it is within a short distance from designated areas of ski resort boundaries on groomed terrain that are open and patrolled by the ski resort.​

    You must select the Winter Sports Pack add-on when booking your policy to be covered for any winter sports activities. This is a popular addition for people visiting ski areas in France, Austria, Switzerland, and more. 

  • What Do I Do If I get robbed in Europe?
  • If you are robbed while you’re on holiday, you should report the theft to the police or nearest local authority immediately. You will also need to obtain a written report to be used as supporting documents for your claim.

  • I’ve reached Europe and the airline Has Lost My Luggage. Will 1Cover Replace The Items?
  • If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred, then your travel insurance may not cover you.

    However, if you are not reimbursed the full amount of your claim, we will assess your claim and you may be entitled to be paid the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover (allowing for depreciation due to age, wear and tear).

  • What Is Covered Under Rental Vehicle Excess while I’m in Europe?
  • The default cover amount we offer is for up to $5K, but you have the option to increase this to $6K, $7K or $8K.

    We will reimburse you up to the rental vehicle excess insurance amount listed on your policy, covering any excess you are legally liable to pay under your rental vehicle hiring agreement.

    Rental vehicle excess is payable if your rental vehicle is involved in an accident while you are driving, or if the rental vehicle is damaged or stolen while in your custody.

    Please be aware this benefit does not take the place of rental vehicle insurance. Also, there are a range of conditions that must be met for cover to be available under this benefit. View the full list of conditions here.

  • What Happens If I Encounter Terrorism Or Political Unrest In Europe?
  • In the event of a terrorist attack or political unrest, there is no cover for cancellation fees and lost deposits, disruption of journey or alternative transport expenses.

    However, if you do get caught up in an unforeseen event while you are in Europe and you are injured, cover is available for all necessary medical/hospital expenses.

  • Can I Choose My Excess?
  • Sure. If you choose a lower excess, it means you'll pay less if you need to claim, but you'll pay a little bit more upfront. If you opt for a higher excess, it means you'll pay less now and a little bit more if you need to claim.

  • I travel to Europe a few times a year. What’s the best policy for me?
  • We have a policy called Frequent Traveller which allows you to take as many trips under the one policy for 12 months and enjoy comprehensive cover on each one. There is a limit to the maximum length of each trip on these policies. You can travel to one or more destinations with this policy. 

    Find out more about our annual travel insurance policies here.

  • Do you cover seniors travelling to Europe?
  • We can provide cover to people of all ages. If you have any pre-existing medical conditions we may require a little more information from you and some exclusions may apply. See here for more details. 

  • Am I Covered If I'm Pregnant When I'm Travelling To Europe?
  • If you're travelling to Europe while pregnant, you are covered for single foetus pregnancies, up to, and inclusive of, the 24th week of gestation. For multiple pregnancies, you'll be covered up to and inclusive of the 19th week of gestation. If you have had complications fromyour pregnancy, you’ll need to complete a medical screening.

    We will assess your application and decide whether and to what extent we can offer you insurance for your pregnancy and/or journey. If you have not told us about the circumstances of your pregnancy when you were required to do so, we may refuse your claim or reduce it to the amount we would have paid had you given us the required information.

    Please note: we will not pay any medical expenses for:
    a) Regular antenatal care;
    b) Childbirth at any gestation; or
    c) Care of the newborn child. 

    Find more here. 

  • Am I Covered For Travel Interruptions Caused By Earthquakes And Other Natural Disasters?
  • Travel insurance provides cover for weather events as long as they are unforeseen. Our policies do not cover claims for losses caused by an event that you were aware of at the time of purchasing your policy.

    Once an event has become published in the mass media, it is expected that you have purchased your insurance with this knowledge in mind. 1Cover will, where possible, issue travel warnings in relation to such large scale events and the dates and times after which they are not seen as an unforeseen event.

  • Can I Get Extra Cover For My High-Value Items?
  • Laptop computers, cameras, mobile phones…they’re all things we need on at home and on holiday. That’s why you can choose a bit of extra protection for your can’t-live-withouts. All you need to do is include and specify certain high-value items that aren't automatically covered when you're buying your policy.

    Note: the items cannot be older than 12 month, and you can't specify items like jewellery, watches, bicycles and watercraft (apart from surfboards).




The One thing These Aussies Needed in Europe


Naomi's Fall In Italy

While holidaying in Italy, Naomi tripped on uneven ground and fell on her left elbow. After x-rays and being seen by an orthopedic surgeon, Naomi was diagnosed wih a fractured elbow and had to undergo surgery while in Italy.

1Cover took care of nearly $10,000 of medical expenses, including surgery, x-rays, and follow-up medical treatments.

They Relieved Me so Much stress in such a difficult time.

Neil's Rental Car Accident

While driving in Germany, Neil accidentally drove his rental car into a parking meter. The rental car’s front bumper and bonnet were both dented and when he returned the car to the rental company he was hit with a large rental vehicle excess bill.  

Neil was reimbursed $5,000 to cover his car rental excess fee. 

The claim process was stress free and everything they said they would do was done.

Tim's Stolen luggage  

While he was checking in the desk in his Paris hotel, Tim’s luggage was stolen. Despite a frantic search for the thief, the bags were not found. Tim contacted the police and acquired a police report as soon as she could. He then contacted 1Cover to advise of the theft.

Tim was able to claim for his lost belongings, which included a laptop, headphones, and leather briefcase.

Everytime I called, I felt like they actually cared. 

Award Winning Travel Insurance

1Cover awards

Travel Insurance Statistics

...they're interesting, really!


 Over 84% of travellers were covered by travel insurance the last time they went overseas.**

Overseas Travel
  • The most popular countries in Europe for 1Cover customers are Italy, France, Germany.*


Europe had more lost luggage claims than any other region for 1Cover customers.*

*in 2023
**Research done in 2016

How Will Travel Insurance Help Me In Europe?

Medical cover
24/7 Medical Assistance

Whether you’re in Paris or Prague, Spain or Rome, things can - and do - go wrong. Wherever you are on your trip, we’ll be there to help if you need assistance with medical bills, hospital stays, and emergency evacuation.

Cancellation Cover
your trip

It’s disappointing to postpone or cancel your plans, but having 1Cover makes things easier. We’ll cover you for any lost deposits or cancellation fees if the unexpected happens. 

Ease Lost
Luggage Woes

Lost or damaged luggage and personal belongings is the most common claim made by 1Cover travellers in Europe. Don’t let your trip be ruined: 1Cover provides up to $15K cover for luggage and personal items like laptops and phones.

ski insurance
Stress-Free Snow Sports

St Moritz, Mont Blanc, Val Gardena, Zermatt … The list of places to ski in Europe is endless. Before you head off, be sure to get the Winter Sports Pack. It covers evacuation if you’re hurt on the slopes, damaged equipment, piste closures, and more.

Car Hire
Car Hire

Germany, Italy and the like: many countries in Europe are perfect for hiring a car. But if you do something like scratch or crash your car we’ll make sure you don’t face sky high rental car excess charges of up to $8K. Find out more.

Activities Cover
Outdoor Adventure, Done Safe 

Unlike many other insurers, we cover a wide range of 100+ activities. You could be abseiling in Switzerland, or snorkelling in Croatia, and you can relax knowing you’re covered for any mishaps.

bad weather

Depending on when and where you’re going in Europe, natural disasters may be a possibility.  If an unforeseen disaster ruins your holiday, we can help. But makes sure you check the news and 1Cover's travel alerts before you book.

Cruise Insurance

Europe is ideal for cruising, with the Greek Isles, Norwegian Fjords, and the Danube River just some of the highlights. But make sure you’ve got the Cruise Pack add-on for extra assurance for all the things that can go wrong on board.


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    We have used 1Cover for many years now and do not leave home without it. Great service, exceptional if you make a claim. Only insurer I would recommend. 

    By Ian, Nov 2022

  • Helpful, caring & supportive

    My husband required emergency surgery in the USA. There was no expense spared with either the medical costs (considerable) or our accommodation. We cannot speak highly enough of 1Cover and have recommended them to all our friends.  
    By Anonymous, Dec 2022

  • "great company"

    Found this company the best for insurance prior to Covid and especially now that travel has restarted. We had multiple credit vouchers that they have honoured with not problems. Thank you 1Cover for your great service. 

    By Bernadette, Dec 2022 

  • Easiest company

    You never know how good insurance is until you have to make a claim! 1Cover responded to us in their prescribed timeframe and our payout was made within 15 days. I would recommend them 100%. This is the seventh time we have used them and first time we had to claim. Well done! 

    By the Bakers, Nov 2022

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If You Only Do One Thing...

The One Thing You Should & Shouldn't Do In Spain

Award-winning travel writer Ben Groundwater lets you in on the one thing you should - and shouldn't - do in Spain.

The One Thing You Should & Shouldn't Do In France

More tips from travel writer Ben Groundwater, who tells us all the musts and must nots in one of the world’s most popular destinations

The One Way To Spot
An Aussie Abroad

You may not realise it, but Aussies overseas stand out. Everyone can pick us from the moment they lay eyes on us - particularly in Europe. Here’s why.


Before Your Trip...

Got some Questions? 

If you have any other questions that haven't been answered on this page, visit our FAQs section for even more information. From riding scooters to questions on skiing, cruising, and travelling with kids, you'll find what you need here. 

Know before you go

The one thing you should do before you get travel insurance is look at 1Cover Travel Alerts. Here you’ll find information on new and current travel events and what will be covered by your policy. 


One Last Thing: Emergency Contacts & How To Claim

We hope nothing goes wrong on your trip to Europe. But if it does, the resources in this section can help you.


The Australian High Commission is the official representative of the Australian Government. They provide a range of services to the general public, including consular, passport, visa and immigration, citizenship and cultural relations services. 






Be informed. Be prepared. If you're across The Australian Government's SmartTraveller website, you'll have all the latest information for your trip to Europe. SmartTraveller is a trusted resource for Australian travellers and is updated regularly, so make sure you bookmark this handy resource





Visit smartraveller

If you need emergency assistance in Europe, please call our 24/7 emergency medical assistance line  on (+) 61 2 8776 3010 or email [email protected].
For non-emergency assistance, you can message our Sydney-based support centre seven days a week

contact us

If something happens to you and it's not an emergency, you can start the claims process whenever it's convenient to you. Visit our online claims platform, and if you have all the necessary documentation, your claim will be processed in 10 business days.

make a claim

Planning an Activity In Europe?

Cruising In Europe
Cruising In Europe

Keen to cruise through Europe but don’t know where to start? Viking offers a long list of ocean and river cruises. From cruises in Germany and beautiful Croatia, to Mediterranean journeys through Spain and Italy, you can find it here.

Walking Tours in Europe
Walking Tours In Europe

The team at Walkabout Gourmet Adventures take you out of the busy cities to discover the the charm of the countryside in France, Spain, Italy, Greece, Switzerland, Germany, and more.

Self-Driving Tours In Europe
Self-driving tours 

Discover the unique character of each country at your own leisure with the help of Auto Tours Europe. Established for more than 40 years, they offer a large number of driving tours across the continent. 

Please note, 1Cover does not endorse or sponsor these activities. Activities are listed for informational purposes only.

Still Need Some Help? Contact Us!

If you have any other questions or queries, please visit our Contact Us page. 
If you are experiencing an emergency, please use the details on our Emergency Assistance page.