Are you planning a trip to Europe or the UK? Travel insurance can give you safety from unexpected hiccups, such as medical emergencies, trip cancellations, or lost luggage. You will find many options available online, but selecting the right travel insurance plan can be quite challenging. However, today we have broken down. We have compiled a list of the 8 best travel insurance options for Europe and the UK to help you make an informed decision.
Why You Need Travel Insurance For The UK & Europe?
Traveling to the UK and Europe is exciting, but unexpected problems can happen anytime. This is why having travel insurance is essential. It will protect you from costly medical bills, lost luggage, trip delays, and more. This insurance will allow you to enjoy your trip without worry.
Medical Costs Can Be Crazy Expensive
If you get sick or hurt while traveling, hospital bills can be huge. Travel insurance helps cover these costs, so you don’t have to pay everything yourself.
Lost Or Stolen Stuff Happens
Losing your luggage or having your phone or passport stolen is stressful, but it can happen. Travel insurance can help you replace your belongings or get money back if your luggage is lost.
Trips Can Get Cancelled Or Delayed
You might have to change plans due to flight cancellations, illness, or emergencies back home. Travel insurance can help you get refunds or cover extra costs when this happens.
You Might Need It For A Visa
If you are going to Europe on a Schengen visa, travel insurance is a must. It has to cover medical emergencies and emergencies while you are there. Even if you are just going to the UK, having insurance is a smart idea.
Peace Of Mind
Travel insurance will help you to relax and enjoy your trip. If something goes wrong, your protection ensures you don’t have to worry as much.
Which Are The 8 Best Travel Insurance Plans For Europe And The UK?
As we mentioned earlier, we have identified several insurance companies for Europe and the UK. But here are the 8 top insurance companies, which are the best in 2025.
Allianz Travel Insurance
Allianz is one of the most popular and reliable names in the travel insurance world. They offer different plans to match different types of trips, like family vacations, work travel, or even quick weekend getaways. Their OneTrip Prime plan is a favorite because it gives you strong coverage for trip cancellations, medical emergencies, and emergency evacuations. Allianz is known for fast claims and solid customer support around the globe.
| Pros | Cons |
| Trusted brand with global support | Some plans have limited coverage |
| Fast and easy claims process | Pre-existing conditions may not be covered |
| 24/7 emergency assistance | Medical coverage might be low for some trips |
| Good for international and domestic travel | Cancel For Any Reason not included in all plans |
Average Cost: Varies Based On Trip Details
- Recommended Plan: OneTrip Prime
- Medical & Evacuation Limits: Up to $50,000 medical, $500,000 evacuation
- Cancellation Coverage: 100% of trip cost
Admiral Travel Insurance
This is a well-known UK insurance brand that offers travel insurance with different coverage levels, so whether you are planning a budget trip or a luxury vacation, this might be the best choice for you. Their platinum plan will give you strong protection, including £20 million for medical emergencies and £5,000 for trip cancellations. Moreover, you also receive coverage for lost luggage, delays, and additional issues. The best part of this company is you can plan based on the convenience. The convenience depends on the type of trip you are taking.
| Pros | Cons |
| Flexible plans for all kinds of trips | Higher-tier plans can be expensive |
| Very high medical coverage limit | Basic plans might not include everything |
| Good for families and solo travelers | Adventure sports may need extra add-on cover |
| Easy to buy and manage online | Customer service can be slow at peak times |
Average Cost: Depends On Coverage Level
- Recommended Plan: Admiral Platinum
- Medical & Evacuation Limits: Up to £20 million
- Cancellation Coverage: Up to £5,000
Seven Corners Travel Insurance
Seven Corners allows travelers to build their own insurance plan. However, their travel medical plus plan will give you up to $1,000,000 for medical expenses and $500,000 for emergency evacuation, which is good for long-term trips. You can even add trip cancellation coverage if you need it. The flexibility is awesome, but with so many choices, it might feel a little confusing at first. Still, it’s a strong option if you want tailored protection.
| Pros | Cons |
| You can build a plan to match your needs | Too many options can confuse first-time users |
| High medical and evacuation coverage limits | Cancellation coverage costs extra |
| Good for international and adventure travel | Some plans may not cover pre-existing conditions |
| Offers group and student travel plans too | Claim process may take time depending on plan |
Average Cost: Varies Based On Customization
- Recommended Plan: Travel Medical Plus
- Medical & Evacuation Limits: Up to $1,000,000 medical, $500,000 evacuation
- Cancellation Coverage: Optional add-on
WorldTrips Travel Insurance
Their plans are especially useful for international travelers, students, and even digital nomads. With the Atlas Premium plan, you get strong protection up to $2,000,000 for medical expenses and $1,000,000 for evacuation. You can also add trip cancellation coverage if you need it. Plans start as low as $0.70 per day, which is perfect if you don’t have that budget. Just keep in mind that some basic plans may offer lower coverage limits, so double-check before you book.
| Pros | Cons |
| Very flexible and budget-friendly plans | Some plans may come with lower coverage |
| Great for international and student travel | Cancellation cover costs extra |
| High medical and evacuation coverage | Not all pre-existing conditions are covered |
| Easy online quotes and sign-up process | Some users report slow claim processing |
Average Cost: Starting From $0.70 Per Day
- Recommended Plan: Atlas Premium
- Medical & Evacuation Limits: Up to $2,000,000 medical, $1,000,000 evacuation
- Cancellation Coverage: Optional add-on
Berkshire Hathaway Travel Protection
ExactCare Extra plan is one of their best and covers. From trip cancellations, delays, and medical emergencies to lost luggage, they cover everything. With up to $500,000 in medical coverage and $1,000,000 for evacuation, it is a fantastic deal for international or longer trips.
| Pros | Cons |
| Strong coverage for most travel issues | Can be more expensive than others |
| High medical and evacuation limits | Not the cheapest option for short trips |
| Fast claims and easy mobile app | Fewer plan choices than some competitors |
| Great for international travel | May not cover some pre-existing conditions |
Average Cost: Varies Based On Trip Details
- Recommended Plan: ExactCare Extra
- Medical & Evacuation Limits: Up to $500,000 medical, $1,000,000 evacuation
- Cancellation Coverage: 100% of trip cost
Travel Insured International
Travel Insured International is another good option for all-around travel insurance. Their Worldwide Trip Protector plan offers strong coverage for trip cancellations, baggage loss, and medical emergencies in Europe and the UK. You will get up to $250,000 for medical bills, which is excellent if you are traveling far from home. Additionally, the plan will cover 100% of your trip cost in the event of a cancellation due to a covered reason. Their plans are flexible, and you can add extra coverage if needed. Overall, it is a dependable and trusted option for many travelers.
| Pros | Cons |
| High medical coverage limits | Some extras cost more |
| Strong trip cancellation protection | Not the cheapest for short or simple trips |
| Good baggage and delay coverage | May not include adventure sports in base plan |
| Helpful customer support | Claims can take time to process |
Average Cost: Depends On Trip Specifics
- Recommended Plan: Worldwide Trip Protector
- Medical & Evacuation Limits: Up to $250,000 medical
- Cancellation Coverage: 100% of trip cost
Travelex Insurance Services
This travel insurance is easy, with several plans to fit different needs and budgets. Whether you are going on a quick vacation or a long international trip, they will cover all the parts. Their Ultimate plan is the best pick if you want a strong coverage up to $250,000 for medical expenses and $500,000 for evacuation. You will also get a trip cancellation protection up to $50,000, which is a big plus if plans suddenly change. They have multiple plan options, so you can pick what works best for you.
| Pros | Cons |
| Multiple plans to choose from | Lower-tier plans have smaller limits |
| Great for families and single trips | Optional upgrades can raise the price |
| Solid cancellation coverage | Not all plans cover adventure activities |
| Easy to buy online | Some coverage details can be confusing |
Average Cost: Varies By Plan
- Recommended Plan: Ultimate
- Medical & Evacuation Limits: Up to $250,000 medical, $500,000 evacuation
- Cancellation Coverage: Up to $50,000
Trawick International
If you are looking for flexible travel insurance with good medical coverage. Then these plan will cover everything from trip cancellations to emergencies abroad. Their Safe Travels Voyager plan is a top pick, that is offering up to $250,000 for medical expenses and full 100% trip cancellation coverage. Whether you are traveling for fun, business, or study, they have options to fit your needs.
| Pros | Cons |
| Strong medical coverage | Can be pricey for long trips |
| Good for international travel | Website can feel a bit overwhelming |
| Many plan options to choose from | Not all plans cover pre-existing issues |
Average Cost: Depends On Coverage Selected
- Recommended Plan: Safe Travels Voyager
- Medical & Evacuation Limits: Up to $250,000 medical
- Cancellation Coverage: 100% of trip cost
FAQs
Do I Need Travel Insurance For Europe And The Uk?
Yes, travel insurance is recommended to cover unexpected events like medical emergencies, trip cancellations, or lost luggage.
What Does Travel Insurance Typically Cover?
Most plans cover trip cancellations, medical emergencies, evacuation, baggage loss, and trip delays.
How Much Does Travel Insurance Cost?
Costs vary based on trip details and coverage levels but typically range from 4% to 10% of your total trip cost.
Is Travel Insurance Necessary If I Have Health Insurance?
Regular health insurance may not cover international travel, so travel insurance is advisable for total protection.
Final Thoughts
While talking about the best travel insurance for Europe and the UK, selecting the appropriate travel insurance can provide you with peace of mind while traveling in Europe or the UK. So consider your specific needs, compare plans, and select the one that offers the best coverage for your journey.
