Travel Insurance for European Residents (2024)

World Nomads Travel Insurance

Travel insurance for independent travelers and their families. You'd rather not think about all of the things that might go wrong on your trip, but these things can and do happen.

World Nomads travel insurance has been designed by travelers for travelers, to cover your trip essentials. Even if you run out of travel insurance or leave without it, World Nomads can cover you. We don't just keep you and your family protected, with us, you'll travel smarter and safer.

Buy cover while traveling

If you're traveling and want to travel longer, World Nomads lets you buy more cover to keep you on the road.

24/7 Emergency Assistance

Our multi-lingual assistance team can help you when you need it most, connecting you with medical treatment and transportation.

Travel Cover for 200+ Adventure Activities

At World Nomads, we love to explore our boundaries when we travel, so we've worked for over ten years developing one of the longest lists of covered activities.

Donate to local communities

We connect our customers to projects run by established charities so you can fund projects in destinations with the greatest need.

A true claim story

  • My son was bitten on the face (bleeding cuts under the lower lip and by the eye!) by a dog at the place we stayed in Toronto. My son (age 4) jumped in front of the dog and the dog nipped him. We took him to the emergency room for stitches.

    French Resident in Canada

  • At the end of 3 day visit to a very remote area of Sierra Leone, I started to have a strong headache on the way back home. The trip to the city of Makeni was 3 around hours. During those hours I lost all my energy and almost my conscious. Once in Makeni, I was brought to the hospital. They immediately did a blood test - I was positive to malaria and typhoid. The hospital admitted me until for all the treatments. Once discharged I continued to take other drugs to finish the treatment.

    Italian Resident in Sierra Leone

  • I got a food poisoning from a buffet dinner in Siem Riep, Cambodia. I was feeling unwell at night, had diarrhoea and vomiting. I had to go to the bathroom again, so I got up from bed and I fainted before getting there, hitting my head against the door's frame. When I recovered consciousness, my husband noticed that the wound in my head was bleeding a lot, so he called to the emergency number of World Nomads. You referred us to the Royal Angkor International Hospital (about 3 Km from our guesthouse). The woman in charge of the guesthouse called a tuk-tuk driver to get us there at about 3:15 am. World Nomads had already contacted the hospital for the physician evaluation, the treatment of the wound and the medication.

    Spanish Resident in Cambodia

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation before you leave home.

  • Explorer Plan: €10,000
  • Standard Plan: €4,000
Emergency Abroad Medical Expenses

Take the pain out of medical costs while traveling abroad.

  • Explorer Plan: €12,500,000
  • Standard Plan: €3,750,000
Emergency Medical Insurance
  • Need drugs?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

Expenses included in Emergency Medical limits.

Evacuation and Repatriation
  • Banged up abroad?
  • Need to get to hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Covers the loss, theft or damage of your bags, tech and gear (just not sports equipment when in use).

  • Explorer Plan: €2,500
  • Standard Plan: €1,250
Protect your gear
  • Luggage lost by a carrier?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

  • Overseas Medical & Dental Expenses
  • 24 hour Emergency Assistance
  • Emergency Medical Transport
  • Repatriation & Travel Expenses
  • Pre-Trip Cancellation
  • Trip Interruption (Explorer)
  • Resumption of Trip (Explorer)
  • Travel Delay (Explorer)
  • Missed connection (Explorer)
  • Hijacking (Explorer)
  • Baggage & Personal Items
  • Passport & Travel Documents
  • Personal Liability
  • Rental vehicle insurance excess (Explorer)
  • Personal accident

*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

We cover 200 Adventure Activities you love + more

Snow 11 activities

Water 31 activities

Air 10 activities

Land 61 activities

Sports 75 activities

Experiences 12 activities

  • Scuba diving
  • Mountain biking
  • Surfing
  • Bungee jumping
  • Skiing
  • Snow Activities
    • Included for all

      Curling Glacier walking - ice walking Ice skating – indoor Sleigh rides - horse drawn
    • Optional extras

      Skiing/Snowboarding - Cross country Skiing/Snowboarding - Helicopter/Cat Skiing - Snowblading Skiing - Snowboarding(Terrain Park) Sledding Snow Biking Snowmobiling
  • Water Activities
    • Included for all

      Banana boat rides Black water rafting Boating inland and coastal waters Fishing / angling High diving Hydro foiling Jet boating Jet skiing Kite boarding Kite surfing Parasailing / parascending River boarding / hydro speeding Rowing / sculling Sailing / yachting Scuba diving - to 30 metres Scuba diving - unqualified Sea kayaking / sea canoeing - inland/coastal waters Shark cage diving - to 30 metres Shark cage diving - unqualified Snorkelling Speed boating Stand up paddle surfing Surf boat rowing Surfing Swimming pool Swimming with whales Tubing on rivers Water polo Water skiing / wakeboarding White water rafting Windsurfing / sail boarding - inland or coastal waters
    • Optional extras

      Boating - outside coastal waters Outrigger canoeing Sailing / yachting - outside coastal waters Scuba diving - to 50 metres Shark cage diving - to 50 metres Spearfishing Water skiing - barefoot
  • Air Activities
    • Included for all

      Abseiling Aerial safari Bungee / bungy jumping Hot air ballooning Parachuting Skydiving / tandem skydiving Zip line
    • Optional extras

      Canyon swing Fly by wire Trapeze / hire wire
  • Land Activities
    • Included for all

      Aerobics Air guitar Backpacking up to 3,000 metres Ballet Bowling Bushcraft up to 3,000 metres Bushwalking up to 3,000 metres Camel riding Camping up to 3,000 metres Caving / spelunking - sightseeing Cycling / biking - on an organised tour Cycling / biking / mountain biking - incidental to the trip Dance Dogsledding Dune buggy Fell running / fell walking up to 3,000 metres Fitness training Go karting Hiking up to 3,000 metres Hunting In-line skating Kite flying Moped riding / scooter biking Motor biking - as a pillion passenger - under 125cc Motor racing experience - passenger only Mountain biking - general Orienteering Outdoor endurance Outward bound Paint balling Quad biking Rock climbing - bouldering Rock climbing - indoor Safari tours Sandboarding / sand skiing Segway Skateboarding - ramp / half pipe / skate park / street Snooker Stilt walking Theme parks / fairgrounds Tramping up to 3,000 metres Tuk Tuk - as a passenger Walking up to 3,000 metres War games - online gaming War games / military simulation
    • Optional extras

      Backpacking up to 6,000 metres Bushcraft up to 6,000 metres Bushwalking up to 6,000 metres Camel trekking - overnight Camping up to 6,000 metres Canyoning Cycling / biking - independent cycle touring Dirt boarding Elephant trekking - overnight Fell running / fell walking up to 6,000 metres Hiking up to 6,000 metres Kite buggy Kite wing Land surfing Trekking up to 6,000 metres
  • Sports Activities
    • Included for all

      Athletics Badminton Baseball Basketball Cheerleading Clay pigeon shooting Cricket Croquet Darts Dodge ball Fencing Floorball Football Frisbee Golf Gym training Gymnastics / acrobatics Handball Hockey Horse riding - leisure/social/non-competitive riding Korfball Lacrosse Martial arts training - non-contact Netball Racquetball Rambling - up to 3,000 metres Rifle range / sports shooting Roller hockey Roller skating Rollerblading Rounders Running / jogging - half marathon distance or less Soccer Softball Squash / racquet ball Stoolball Table tennis Tchoukball Tennis Trampolining Triathlon - up to sprint distance Ultimate frisbee Volleyball Wake skating Wakeboarding Weight training Yoga - in class, alone / home practice
    • Optional extras

      American football - gridiron Australian Rules Football (AFL) Bicycle polo Boxing Cycle racing / time trial Horse riding - equestrian, dressage, show jumping, eventing Martial arts - Judo & Karate only Rugby - league / union Running - up to marathon distance Triathlon - up to middle distance Via ferrata
  • Experience Activities
    • Included for all

      Working - any professional, clerical or administrative work. Working - as a classroom teacher or classroom assistant Working - au pair, nanny or child minder Working - retail, bar or hospitality work involving light duties only
    • Optional extras

      Working - general work and manual work not involving the use of mechanical or industrial machinery at a height not exceeding 2 metres above ground level

Blue activities are automatically included in both the Standard and Explorer plans. All sports listed in orange will need to be added to your policy at the time of purchase. The list is intended as a guide only and there may be restrictions on what you can do, so read the policy wording or contact us. For a more detailed list click here

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Wherever you are, whatever has happened, our multi-lingual assistance teams are here to help you and your family.

Are you in need of emergency assistance right now?

Country of residence Phone
Belgium +32 (0)2 808 66 32
Denmark +45 89 87 30 23
Germany +49 (0)335 5622 3012
Ireland +353 (0) 90 640 6460
Netherlands +31 (0)20 8080731

Contact the team

Travel insurance. Simple & flexible.

Travel insurance for independent travelers. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

Trustpilot

Underwritten by: AXA

FAQ

Here are our most frequently asked questions. You can also visit ourhelp center for more answers.

  • Do you cover adventure sports and activities

    Yes - our travel insurance plans offer cover for more than 200 adventure sports and activities.

  • Am I covered if I need to see a dentist while overseas?

    Yes, there’s cover if you need to go to a dentist while abroad for emergency dental treatment.

  • Do you need to include stopovers as a destination when buying travel insurance?

    While there may be many reasons to buy travel insurance to help protect you for unforeseen events such as trip cancellation, injuries, overseas medical or dental emergencies, or baggage cover, you don’t need to purchase any extra travel insurance if you are making a quick stop-over in a country and not planning to leave the airport.

  • Can I buy travel insurance if I'm already overseas?

    Yes - If you're a UK resident then you are most welcome to buy a policy while already travelling, although waiting periods and limitations may apply,

  • Do you offer a student discount?

    European students and graduates may qualify for a discount with World Nomads, subject to terms and conditions. To check whether you meet the requirements for a discount, you need to verify your student details with Student Beans or Grad Beans - these are third party services who provide student or graduate verification services. The following links take you to third-party pages outside of World Nomads:

    For students, you’ll need to either register for an account with Student Beans, and verify your student status, or if you’re already a verified student on Student Beans, you can log in with your existing Student Beans account. For graduates, you’ll need to either register for a Grad Beans account and verify your graduate status, or if you’re already a verified graduate on Student Beans, you can log in with your existing Grad Beans account.

Travel Insurance for European Residents (2024)

FAQs

Do US citizens need travel insurance for Europe from the USA? ›

Travel insurance isn't required to visit Europe if you're an American citizen. However, some travelers are required to obtain a Schengen visa and medical travel insurance if they plan to visit any countries that are part of the Schengen Agreement, or stay in the area for more than 90 days.

Is 100000 enough for travel insurance? ›

As a general guideline, it's wise to buy at least $100,000 in travel medical expense coverage. The most generous travel insurance plans provide $500,000 per person for emergency medical expenses. Other good plans have ample medical coverage of $250,000 or $100,000 per person.

Where does European insurance cover? ›

A free card that gives you access to medically necessary, state-provided healthcare during a temporary stay in any of the 27 EU countries, Iceland, Liechtenstein, Norway and Switzerland or the United Kingdom under the same conditions and at the same cost (free in some countries) as people insured in that country.

Is 50000 travel insurance enough? ›

Every plan is different, but the coverage amounts and benefits may vary. Determine how much you really need. For example, SquareMouth recommends international travelers get around $50,000 in Emergency Medical coverage and $100,000 for cruises or travel to remote areas.

Can US citizens get free healthcare in Europe? ›

Almost all the countries in Europe have a universal healthcare system. There are people who call it a “free healthcare” system but it is actually not free. Each nation has its own variation; however, a common feature is that everyone has to pay for healthcare as a society.

Is Allianz travel insurance any good? ›

We at the MarketWatch Guides team awarded Allianz Travel Insurance 4.1 out of 5 stars based on our provider review methodology. Named our pick for concierge services, Allianz offers 24/7 travel assistance through a multilingual team, which can help policyholders with travel and coverage issues while abroad.

How much does travel insurance cost? ›

According to our research, the average cost of travel insurance is $204, but you could pay anywhere between $14 and $765 for travel insurance. Solo travelers can expect to pay around $60-$100 for coverage. Travel insurance provides a range of protection before and during your trip.

Which travel insurance is best at paying claims? ›

We named Nationwide travel insurance as our pick for the most coverage reimbursed. It offers 100% trip cancellation coverage and up to 200% trip interruption protection, depending on your plan choice. Nationwide also provides some of the best policies for cruise ship passengers, based on our review.

Should I get travel health insurance for Europe? ›

Most people need travel health insurance at a bare minimum when traveling to European destinations like France, Italy or Switzerland, as well as additional countries inside and outside of the Schengen area.

How much in advance should I get travel insurance? ›

For single-trip travel insurance, the start date should ideally be the same day you book your holiday to ensure you're covered for any eventualities, like trip cancellations. For annual travel insurance, the start date should be the day you book your holiday.

What does travel insurance not cover? ›

Most travel insurance policies won't pay out if you're negligent while under the influence of alcohol or drugs, and have an accident or have property stolen.

How many days before should you buy travel insurance? ›

Generally speaking, most travel insurance policies must be purchased at least 14 days prior to departure in order to be eligible for a full refund. If you purchase your policy after this time, you may still receive coverage but the cost and scope of coverage are likely to be much lower.

Do I need extra insurance to travel to Europe? ›

Travel insurance isn't a legal requirement, but if you're going away it's a smart decision to get cover so you're protected. Most EU countries don't have free healthcare, so getting European travel cover means you won't have to fork out for any medical bills if you fall ill while you're away.”

Does my US health insurance work in Europe? ›

U.S. health insurance plans typically do not cover regular and routine medical care required overseas. This means your health insurance won't pay for care if you need to visit a doctor for a prescription medicine, or if you need treatment for a condition that is not considered an emergency.

Do I need travel insurance as a US citizen? ›

The U.S. government does not provide insurance for U.S. citizens overseas. We do not pay medical bills or unexpected medical costs. We highly recommend that you buy insurance before you travel.

Should you bring your insurance card to Europe? ›

Carry your insurance card and a claim form if your policy covers you outside the United States.

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