Best travel insurance to Europe with discount valid in 2022

In this post, we will compare the best travel insurance to Europe (prices and guarantees). Save on your insurance with the special reader's offer:

In December 2022, get a 5% discount on your Chapka travel insurance
Click here: Activate Promo Code

The discount will be automatically applied to Cap Assistance, Working Holiday, or Student policies.

travel insurance to Europe

Since the first time I travelled in Europe in 2014, I have always taken out travel insurance for Europe. This travel insurance in Europe has covered me for all the countries of the European continent.

Today, contracting travel insurance to Europe is part of the “tourist package” that I include to travel.

With travel insurance in Europe, you will get medical coverage in any country of the Schengen area (list of countries in the article). In fact, travel insurance in Europe may be necessary to obtain a “Schengen Visa”.

Travel insurance to Europe: comparison in December 2022

Costs can easily throw your budget out of balance if you need any emergency treatment at a European hospital.

To make it easier, I have created this table with the best travel insurance to Europe. They all include excellent guarantees:

chapka assurance
heymondo logo
iati seguros
acs assurance voyage
logo oasis insurance
assurance voyage
Price
24€
27€
27€
20€
28€
37€
Discount in December 2022
– 15% for families
– 15% for families
– 5% for families
– 10% for families
– 5% for single or couple
– 5% for single or couple
– 5% for single or couple
Activate Discount
Activate Discount
Activate Discount
Activate Discount
See offer
See offer
Covid-19
Medical expenses
200.000€
3.500.000 €
500.000€
150.000€
info
222.600€
Hospitalization
30€/day
Actual costs
Actual costs
Actual costs
info
300.000€
Theft or loss of luggage
2.000€
1.700€
1.500€
1.150€
2.300€
2.670€
Repatriation
Actual costs
Actual costs
Actual costs
Actual costs
Actual costs
17.800€
Sports activities
Covered
Covered
Covered
Covered
Covered
Covered
Phone theft
Camera or drone theft
Recommended for
All types of stays
All types of stays
All types of stays
All types of stays
All types of stays
Digital nomad
Review
Chapka insurance
HeyMondo insurance
IATI travel insurance
ACS insurance
SafetyWing insurance
Promo Code Chapka
Promo Code HeyMondo
Promo Code IATI

Best travel insurance to Europe with a discount code

The best travel insurance for Europe is the one that really suits your needs, that is, it has all the necessary specifications to enter any of these countries serenely.

The best travel insurance for Europe this year are:

1. Chapka: perfect to travel to Europe safely

Chapka Seguros has been in the market for more than 15 years and offers very complete coverage plans and guarantees.

In addition to classic services, the insurer offers exclusive packages for athletes and adventurers with an excellent reputation.

Today, travel insurance in Europe offers one of the highest levels of coverage at a very affordable price.

In December 2022, get a 5% discount on Chapka travel insurance
Click here: Activate Promo Code

  1. You will be redirected to the official Chapka website.
  2. Fill in the form. Do not fill in the promo code, as it will be applied automatically.
  3. Click on “Get a quote”.
  4. The discount will be applied, and you will see this message: “Your discount has been applied”.
chapka travel insurance
Chapka insurance covers most sports and nautical activities - Nova Friburgo, Brazil

2. HeyMondo: best insurance to Europe (short trip)

HeyMondo is the best known insurer for travellers travelling to Europe. Today, it is a leader in international travel insurance, especially to Europe.

In December 2022, get a 5% discount on your HeyMondo travel insurance
Click here: Activate Promo Code

  1. You will be redirected to the official website.
  2. Select your insurance policy.
  3. Answer the questions and click on “Calculate the price”.
  4. Your discount will be applied automatically.

* 5% for all types of travellers ⎜ 10% for groups of 5 to 9 persons ⎜ 20% for families and groups of + 9 persons

HeyMondo guarantees very complete coverage for all types of traveller profiles. In addition, it offers economic and competitive conditions with a high level of service.

In addition, it includes a range of cover in relation to its price that is unequalled by other insurance policies. We’ll tell you about it!

  • Medical assistance, including dental expenses;
  • Theft and damage to your luggage, including delayed delivery, finding and locating luggage, and shipping stolen property;
  • Changes and loss of services;
  • Repatriation and early return due to accident, illness or death, covering all travel expenses.
  • Displacement of a family member or companion.
  • Civil Liability;
  • Legal assistance;
  • Additional accident compensation.

Official website: www.heymondo.com/

3. IATI Star : premium travel insurance to Europe

IATI Star travel insurance owes its name to the fact that it is the company’s most complete option. Just like a film star! It is designed for international travel to Europe, including those that include active or adventure tourism. Find out what’s included below.

Discount code for IATI Star

In December 2022, get a 5% discount on your IATI travel insurance
Click here: Activate Promo Code

  1. You will be redirected to the official IATI website.
  2. Enter your travel details and click on “Get a quote”.
  3. Select your insurance policy and click on “Contract”.
  4. That’s it! The 5% discount will be applied automatically to your quote.

What’s included, and how much IATI Star cost?

IATI Star offers users the possibility of contracting the insurance once the trip has started. At that time, you will be able to obtain a single price that will depend on the duration and destination of your holiday.

Regarding its coverage, IATI Star includes:

  • Medical assistance abroad with Covid-19 included up to €1,000,000.
  • Dental expenses up to €500.
  • Chronic, pre-existing or congenital emergency diseases.
  • Bodily injury in motor vehicle accidents.
  • Adventure sports.
  • Sending medicines abroad.
  • Displacement of a family member up to €1,000.
  • Repatriation or transportation of sick or deceased.
  • Theft and damage to luggage up to €2,500.
  • Extension of stay due to natural disaster up to €1,000.
  • Delay in the delivery of checked baggage up to €300.
  • Criminal liability defence abroad up to €3,000.

Official website: www.iatitravelinsurance.co.uk/star

4. ACS : travel insurance to Europe for families (best rate)

ACS Globe Traveller Travel Insurance has been positioned as the best value of all the policies offered by ACS Insurance. In fact, it allows you to get good coverage at an unbeatable price.

ACS travel insurance prices and guarantees

The price of ACS Travel Insurance to Europe will depend on the length of your stay and the additional options you wish to purchase.

In December 2022, get a 10% discount on ACS AMI family travel insurance
Click here: Activate Promo Code

  1. You will be redirected to the official ACS AMI website.
  2. Click on “Online quote”.
  3. Fill in the form and click on “Next”.
  4. Your 10% discount will be applied automatically to Globe Traveller for a family of 3 or more.

If you are travelling alone or with a partner, please check: www.acs-ami.com

5. Oasis: travel insurance to Europe

Oasis’s Europe travel insurance is distinguished by its broad coverage designed for families.

Prices and coverage of Oasis

Oasis insurance has positioned itself as the most subscribed travel insurance to Europe by families. This is due, among other things, to its extensive coverage, which is much needed due to the cost of health care in Europe.

In December 2022, get Oasis travel insurance from €29
Click here: Activate Promo Offer

  1. You will be redirected to the official Oasis website.
  2. Fill in the form and follow the instructions by clicking on “Continue”.
  3. Select your offer and click on “Subscribe”.
  4. That’s it! You will then receive your travel insurance.

6. Safetywing: insurance for digital nomads

Safetywing is one of the new travel insurance to Europe available for digital nomads and long-stay travellers. It is designed to provide the most comprehensive cover for long term travel.

If you are going to go around the world and plan to visit some countries in Europe, then you should check the Safety Wing offers. It has many advantages for those who travel for a long time.

The Australian insurer offers immediate medical assistance, baggage insurance and reimbursement for delays and cancellations.

It is one of the most valued international insurances in 2020 for the guarantees it offers. Furthermore, for the experience, they have as an insurer for long-term trips.

Safetywing’s prices and coverage

Safetywing’s Europe travel insurance is designed entirely for digital nomads or long-term travellers (more than 3 months).

In December 2022, get SafetyWing nomad insurance for $42/month
Click here: Activate Promo Offer

  1. You will be redirected to the official SafetyWing website.
  2. Click on “Sign me up”.
  3. Fill in the form and follow the instructions by clicking on “Next”.
  4. That’s it! You will receive your travel insurance at the end of the registration process.

The huge advantage is that it allows you to purchase travel insurance for Europe once you have started your trip.

SafetyWing insurance
Safetywing website

Frequently asked questions

Is travel insurance in Europe necessary?

The answer is yes!

According to Itamaraty and the resolution of the European Parliament, it is necessary to take out travel insurance in Europe if you live outside the European Union and wish to do tourism in one or several European countries.

To know the countries of the Schengen zone, go further down in the article.

Europe travel insurance requirements for Schengen visa

Travel insurance to enter the Schengen area must meet the following requirements:

  • Minimum coverage of 30,000 euros.
  • Cover expenses related to repatriation, emergency medical care, and emergency treatment or death in hospital.
  • Cover all countries in the Schengen area.

Does the insurance policy have to cover all Schengen countries?

Yes, the travel insurance policy in Europe must cover all Schengen member states . For those who visit the space, they will see that the block is like a single country, it is to offer free movement.

A good example to understand it is that you will only receive the stamp in the passport of the country of arrival and the country of departure.

What is the minimum value for travel insurance in Europe?

The minimum coverage of travel insurance for Europe is 30,000 euros and must be extended for the entire duration of your trip.

This resolution was adopted by the European Parliament and the Council on July 13, 2009. This measure entered into force on April 5, 2010.

How to choose a travel insurance to Europe?

Before looking for where to buy travel insurance in Europe, you should consider some important aspects to select the best plan for your needs.

First, ask yourself some essential questions:

  • What kind of trip am I going to do?
  • What level of coverage do I need to do so?
  • What is the duration of my trip?

What type of coverage will you need?

There are different types of coverage, depending on what you want to do:

  1. A simple trip with round trip, closed dates and scheduled places
  2. A trip with multiple destinations, such as backpackers or digital nomads travelling to different destinations in the same year

Check all the details:

Make sure that the coverage is correct and according to what you are looking for, for example, if you are going to practice extreme sports, it is essential that the policy have sports coverage.

In addition, it is important to see:

  • Pre-existing medical conditions
  • Natural disaster coverage
  • high-risk sports

Tip (personal experience): If you have a pre-existing condition, such as a chronic disease or allergies, it’s essential to keep a medical record from your doctor. Must contain:

  • Summary with all the details of how your health is currently
  • what medications can you take?
  • Any other aspect that you consider necessary

Is it worth taking out European travel insurance?

Yes, it is always worth it. A good European travel insurance will be, if you need to use it, the best thing you will have done for your trip.

These are the things that we always think will never happen, but when they do, we don’t know what to do.

I purchased travel insurance in Europe for $800 to travel to Southeast Asia for 3 months. At first, which I found a bit expensive, but in the second month I had a health problem and had to be expatriated back to my country. The total cost covered by the insurance was more than $9,000.00.

That is, 20 more than the amount paid, was it worth it or not? I think so.

Cheap Europe travel insurance

Finding cheap travel insurance for Europe according to your needs requires a lot of research online.

The first thing is to understand that there are numerous companies that offer quite similar services, but you should always check which are the best coverages.

Remember not to confuse the price, as not all low-cost Europe travel insurance policies offer low-quality services and not all expensive insurance plans have a high-quality offer.

Today, the company that has the cheapest and best quality Europe travel insurance for your trip to Europe is Chapka.

En December 2022, consigue tu seguro de viaje Chapka con – 7 % descuento.
Clic aquí: Activar Cupón Descuento

  1. Te redirige a la página web oficial Chapka.
  2. Indica el motivo de tu viaje y haz clic en “Descubrir tu seguro”
  3. Rellena el formulario y haz clic en “Calcular el precio”
  4. ¡Listo! El descuento -7 % se aplica automáticamente a Cap Trip, Working holiday o Trotamundos.

Comparison of cheap travel insurance for Europe

The best way to quote to find the best travel insurance to Europe is by comparing the plans and values of each one.

Before, I had to contact each company to find out the details of prices and coverage, but with this table, I make it easy and practical for you.

I made a classification of the best travel insurance to Europe, with the prices depending on the duration of your trip.

Here are the values:

chapka assurance
heymondo logo
iati seguros
acs assurance voyage
logo oasis insurance
assurance voyage
Price
24€
27€
27€
20€
28€
37€
Discount in December 2022
– 15% for families
– 15% for families
– 5% for families
– 10% for families
– 5% for single or couple
– 5% for single or couple
– 5% for single or couple
Activate Discount
Activate Discount
Activate Discount
Activate Discount
See offer
See offer
Covid-19
Medical expenses
200.000€
3.500.000 €
500.000€
150.000€
info
222.600€
Hospitalization
30€/day
Actual costs
Actual costs
Actual costs
info
300.000€
Theft or loss of luggage
2.000€
1.700€
1.500€
1.150€
2.300€
2.670€
Repatriation
Actual costs
Actual costs
Actual costs
Actual costs
Actual costs
17.800€
Sports activities
Covered
Covered
Covered
Covered
Covered
Covered
Phone theft
Camera or drone theft
Recommended for
All types of stays
All types of stays
All types of stays
All types of stays
All types of stays
Digital nomad
Review
Chapka insurance
HeyMondo insurance
IATI travel insurance
ACS insurance
SafetyWing insurance
Promo Code Chapka
Promo Code HeyMondo
Promo Code IATI

Important note: this is a basic table, each plan offers other services that justify the price differences.

What is travel insurance for in Europe?

Basically, travel insurance in Europe is to protect you against unexpected expenses that arise during your trip.

Hiring travel insurance in Europe is essential if you want to get rid of any unforeseen event … In all cases, the insurance offers medical assistance and coverage for flight delays or loss of luggage.

Since travelling to Europe is more expensive than other parts of the world, coupled with taxes and high purchasing power, any procedure is expensive for a tourist.

How to hire the best travel insurance to Europe?

Step by Step:

  1. Choose an insurance benchmark: indicates the insurance promotion
  2. Enter the details of your trip
  3. Choose the best cost benefit
  4. Use code PLANETNOMAD to get your discount

Clever! You are already insured.

Advice to save more: if you travel with a well-insured vehicle, it is good that you consider hiring a combined insurance, so it will be possible to obtain an insurance with better cost-benefit.

What does a Europe travel insurance policy generally cover?

A travel insurance policy in Europe should cover the following costs:

  • Medical expenses: the insurer must cover your medical expenses if you get sick or have an accident in Europe
  • Lost luggage: can be reimbursed in case of loss, theft of luggage, personal effects or travel documents
  • Flight cancellations and delays: If you experience flight cancellations or delays, you will be entitled to a refund
  • Medical emergency (accident or illness) in the Schengen area
  • Repatriation or funeral expenses abroad
  • Delayed baggage (and emergency replacement of essentials)
  • Travel delays due to weather

In addition to these services, each insurer offers other services that may vary depending on the plan and the destination you choose. It is always good to check when hiring.

Another point to keep in mind is that insurers mostly cover pregnancy expenses, however, most only cover if the trip occurs during the first 3 months of pregnancy.

It is important to check with the company and request details about coverage for pregnant women travelling.

All coverage conditions appear in each quote. It should be checked carefully to make sure all your needs are met in case you run into any issues.

Travel insurance in Europe Schengen

The Schengen Treaty is an agreement between the countries of Europe with the aim of reducing bureaucracy in traffic and trade between countries.

The main policy is to open borders, offering free movement between people in the assigned countries, these are:

  • Germany
  • Austria
  • Belgium
  • Denmark
  • Slovakia
  • Slovenia
  • Spain
  • Estonia
  • Finland
  • France
  • Greece
  • Holland
  • Hungary
  • Iceland
  • Italy
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • malt
  • Norway
  • Poland
  • Portugal
  • Czech Republic
  • Sweden
  • Swiss

If you travel to one of those countries, remember to take out insurance! But most importantly, enjoy and have a good trip!

Michaël Louis
Michaël Louis
I am a digital nomad with a passion for new technologies and travel. We created Planet Nomad to help you on your way to geographical freedom: that of digital nomadism and online entrepreneurship. If you liked this article, please share it or leave your comment, I'll answer it.

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