International Health Insurance for Travel to Europe: Everything You Need to Know

International Health Insurance for Travel to Europe
International Health Insurance for Travel to Europe

If you are planning to travel to Europe, whether for business or leisure, you need to ensure that you have comprehensive health insurance coverage. While some countries in Europe provide free or low-cost healthcare to visitors, others have high medical expenses that can quickly drain your wallet. Therefore, it is essential to have adequate health insurance coverage to protect yourself from unexpected medical bills. In this article, we will discuss everything you need to know about international health insurance for travel to Europe.


Traveling to Europe is an exciting adventure that offers unique experiences and opportunities to explore different cultures. However, it also poses certain risks, including medical emergencies. Whether you are traveling to Europe for a short-term or long-term stay, it is essential to have international health insurance coverage to protect yourself from unexpected medical expenses. In this article, we will guide you through the process of choosing the right international health insurance plan for your trip to Europe.

What is International Health Insurance?

International health insurance is a type of insurance policy that provides medical coverage to individuals who are traveling or living outside their home country. This insurance coverage is designed to protect individuals from unexpected medical expenses that can arise during their travels, including accidents, illnesses, and emergencies. International health insurance policies can cover a range of medical services, including hospitalization, outpatient care, prescription medications, and emergency medical evacuation.

Why Do You Need International Health Insurance When Traveling to Europe?

While some European countries provide free or low-cost healthcare to visitors, others have high medical expenses that can quickly add up. Without adequate health insurance coverage, you could be left with hefty medical bills. International health insurance provides coverage for medical emergencies, accidents, illnesses, and other unforeseen events, giving you peace of mind while traveling.

What Does International Health Insurance Cover?

International health insurance policies can vary in coverage, depending on the provider and the plan. However, most policies typically cover the following:

Hospitalization: Coverage for hospital stays, including room and board, diagnostic tests, and surgical procedures.
Outpatient Care: Coverage for outpatient medical services, including doctor visits, lab tests, and X-rays.
Prescription Medications: Coverage for prescription drugs, including those required for pre-existing conditions.
Emergency Medical Evacuation: Coverage for emergency medical transportation to the nearest medical facility for life-saving treatment.
Repatriation of Remains: Coverage for the return of your remains to your home country in the event of death while traveling.

How to Choose the Right International Health Insurance Plan?

  • Choosing the right international health insurance plan can be overwhelming, given the numerous options available. However, here are some key factors to consider when selecting a plan:
  • Coverage: Ensure that the policy covers the medical services you need, including pre-existing conditions, maternity care, and emergency medical evacuation.
  • Network: Check whether the policy has a network of medical providers and hospitals in the region you are traveling to.
  • Cost: Consider the premium, deductible, and out-of-pocket expenses when selecting a policy.
  • Reputation: Look for a reputable insurance provider with a history of providing quality coverage and customer service.
  • Exclusions: Review the policy exclusions, such as pre-existing conditions, high-risk activities, and dangerous sports.
  • Duration: Choose a policy that covers the duration of your trip, including any extensions.
  • Flexibility: Look for a policy that allows you to make changes or cancel your coverage if needed.
  • Additional Benefits: Consider any additional benefits that may be included in the policy, such as trip cancellation insurance, baggage loss, or travel assistance services.
  • By considering these factors, you can select an international health insurance plan that provides comprehensive coverage and peace of mind during your travels to Europe.

How Much Does International Health Insurance Cost?

The cost of international health insurance can vary depending on several factors such as the policy’s coverage, deductible, age, duration of coverage, and the traveler’s destination.

On average, a basic international health insurance policy can cost between $40 to $80 per month. However, policies with more comprehensive coverage can cost over $300 per month.

Generally, policies that offer higher coverage limits, lower deductibles, and more comprehensive benefits tend to have higher premiums. Moreover, policies that cover high-risk activities such as extreme sports or adventure travel may also have higher premiums.

It’s important to note that some countries may require travelers to have a certain level of health insurance coverage before entering the country. Therefore, it’s essential to research the specific requirements of the country you plan to visit and ensure that your policy meets those requirements.

Ultimately, the cost of international health insurance is dependent on several factors, and it’s essential to shop around and compare different policies to find the right coverage at a price that fits your budget.

How to Buy International Health Insurance for Travel to Europe?

Buying international health insurance for travel to Europe can be done in a few simple steps:

Research: Start by researching different insurance providers and policies that offer coverage in Europe. Look for policies that meet your specific needs and budget.

Compare: Compare the policies’ coverage, cost, and benefits to determine which one suits you best.

Apply: Once you have selected a policy, fill out the application and provide any required information. You may need to provide information about your health history and travel plans.

Pay: After submitting your application, you will need to pay the premium for your chosen policy. You can typically pay online using a credit card or other payment methods.

Receive Your Policy: After your payment is confirmed, you will receive your policy documents. Review the documents to ensure that all the details are correct.

Contact Your Provider: Before you leave for Europe, contact your insurance provider to confirm that your coverage is in effect and to obtain any necessary information, such as a medical provider directory or emergency contact information.

It’s essential to purchase international health insurance before your trip to ensure that you have adequate coverage in case of a medical emergency. With these steps, buying international health insurance for travel to Europe can be a straightforward and hassle-free process.

Tips for Making a Claim on Your International Health Insurance Policy

Making a claim on your international health insurance policy can be stressful, but it doesn’t have to be. Here are some tips to help you make a claim on your international health insurance policy:

Know Your Coverage: Before making a claim, review your policy to understand what is covered and what is not. Some policies may have limitations or exclusions, so it’s essential to be aware of them before making a claim.

Keep Records: Keep detailed records of all medical treatment, including receipts, medical reports, and test results. This information will be necessary when making a claim.

Contact Your Provider: If you require medical treatment, contact your insurance provider as soon as possible. They can provide guidance on where to seek treatment and what documentation you will need for your claim.

Follow Instructions: Follow the instructions provided by your insurance provider carefully. Failure to do so may delay the processing of your claim.

Keep Communication: Maintain regular communication with your insurance provider throughout the claims process. They can provide updates on your claim’s status and answer any questions you may have.

Submit Your Claim: Submit your claim as soon as possible after receiving medical treatment. Some policies may have time limitations for filing a claim.

Be Patient: Claims processing can take time, so be patient. Your insurance provider will review your claim thoroughly to ensure that it meets the policy requirements.

By following these tips, you can make a claim on your international health insurance policy with confidence, knowing that you have taken the necessary steps to ensure a successful claim.