Europe travel insurance

Just as Italy differs from France, your Euro trip will be unique to you, which is why we offer travel insurance to suit many different European holidays. So all you need to do is work out which country to visit next!

Is getting travel insurance a good idea?

Travel insurance can be useful for travellers exploring Europe as it may offer financial protection against unforeseen disruptions that could affect your trip. Travelling between multiple countries can increase the likelihood of unexpected situations. Travel insurance can be there to offer cover for trip cancellations, medical expenses, lost luggage, emergency assistance and more.

What should I consider including in my travel insurance for Europe?

Before heading off on your European adventure, it's important to consider destination-specific travel requirements. Having travel insurance for Europe that includes comprehensive cover for medical expenses, trip cancellation, lost or delayed luggage and 24/7 emergency could protect against unexpected travel events. Additionally, we’ve outlined some Europe-specific travel considerations to keep in mind.

Schengen Visa Requirements: Many European countries are part of the Schengen Area, potentially requiring a Schengen visa and travel insurance that meets minimum cover requirements, like our International Comprehensive Plan. Head to Smartraveller for more Schengen Visa travel advice.

Medical Cover: Australia has reciprocal health care agreements with some EU countries, providing urgent or emergency medical treatment for Australians abroad. However, not all countries are included, and healthcare costs can vary significantly across Europe. Considering travel insurance with comprehensive medical cover, especially if you have pre-existing medical conditions, could impact the smoothness of your trip. Australia Post travel insurance includes potential cover for various medical costs.

Emergency Assistance: Having access to 24/7 emergency assistance through your insurance can provide support when you need it the most. All Australia Post policyholders have 24/7 access to our emergency assistance team when travelling.

Trip Cancellations: Travel plans can be disrupted by unforeseen events such as illness, family emergencies, natural disasters, or airline strikes. Although our International Comprehensive Plan does not automatically include cancellation cover, you have the option to select the amount of cancellation cover that best suits your needs.

Lost or Delayed Luggage: Traveling through multiple countries increases the risk of lost or delayed luggage. According to Travel Insurance Partners, approximately one-quarter of all claims received are due to lost luggage or travel documents.   Australia Post travel insurance covers reimbursement for lost, stolen, or damaged luggage and personal items.

Be sure to read the Combined FSG/PDS (PDF 696kB) to understand exactly what you’re covered for.

Cover for Adventure Activities in Europe

Europe is known for its diverse landscapes and various adventure activities. Whether you're kayaking in Croatia, hot air ballooning in Cappadocia, or skiing in the Alps, travel insurance should cater to your adventurous spirit and specific travel needs. Australia Post offers cover for a variety of adventure activities automatically under our plans, and options to vary cover for certain activities like skiing to accommodate different traveller preferences. Check the PDS for the complete list.

Single Trip vs Annual Multi-Trip Policies

When planning your trip to Europe, navigating the array of travel insurance options can be daunting, especially when deciding between a Single Trip or Annual Multi-Trip Policy.

Single-trip policies suit occasional travellers with specific journey dates in mind. In contrast, Annual Multi-Trip policies are designed for frequent travellers, allowing unlimited journeys within a specified duration. This option provides flexibility and potential cost savings over time.

Opting for an Annual Multi-Trip Policy for Europe and the UK offers several advantages. It covers multiple trips throughout the year, up to your chosen duration for an unlimited number throughout the year. Check the PDS for more information.

Staying Safe in Europe: Travel Tips and Advice

Enjoying your European holiday is a top priority, so being prepared and staying safe is essential to making the most of your time abroad. Alex Veka from Vibe Adventures, who has firsthand experience navigating Europe's diverse regions, cultures, and logistics, offers valuable travel tips and advice.

Duration of Stay: Alex recommends spending sufficient time in each country to immerse yourself in its culture and attractions. While a week is ideal for exploring Italy's highlights like Rome, Florence, and Venice, smaller countries like Belgium or Luxembourg can be explored in a shorter stay.

Transportation: Navigate between countries efficiently with tips on using Europe's extensive rail network, budget-friendly airlines, or car rentals. Consider regional flights for longer distances or opt for a Eurail pass to explore multiple countries economically.

Safety Tips:

• Be aware of local scams and common tourist pitfalls.
• Safeguard your valuables and personal belongings.
• Familiarise yourself with local laws and customs.
• Keep emergency contacts handy and ensure you have travel insurance for added protection.
• Stay informed about health precautions and seek medical advice if necessary before your trip.