Travel by Region
Travel Insurance for Europe: A Country-by-Country Coverage Guide
European healthcare varies by country. Here is your country-by-country guide to what travel insurance must cover.
Europe is a diverse continent with healthcare systems that range from world-leading (Germany, France, Switzerland) to limited in remote areas (parts of Eastern Europe). Travel insurance requirements and coverage priorities vary significantly by destination.
Western Europe (Germany, France, UK, Netherlands)
World-class healthcare is universally available. Costs for visitors are high but quality is excellent. Recommended coverage: $100,000+ medical, $50,000+ evacuation, comprehensive trip protection. Schengen requirements apply for non-EU/non-US travelers.
Southern Europe (Spain, Italy, Greece, Portugal)
Generally good healthcare in major cities, variable in rural areas. Common tourist issues include heat-related illness, food/water issues, beach injuries. Schengen visa requirements apply for non-EU/non-US travelers.
Eastern Europe (Poland, Czech Republic, Hungary, Romania)
Healthcare quality varies — major cities have modern facilities, rural areas can be limited. Lower healthcare costs than Western Europe. Most countries are now in Schengen Area.
Nordic Countries (Norway, Sweden, Finland, Denmark, Iceland)
Excellent healthcare but extremely expensive for uninsured visitors. Long distances and remote areas can require expensive evacuation. Iceland is particularly remote — make sure evacuation coverage is robust.
UK and Ireland (Post-Brexit)
UK is no longer in the EU. NHS provides emergency care but extracts costs from foreign visitors. Specific UK travel insurance handles unique post-Brexit considerations. Ireland remains in EU with similar coverage rules to other EU countries.
Bottom Line
European travel insurance should match your specific destination's risk profile. Ombrela offers country-specific European travel plans.
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