europ assistance travel insurance ireland

Schengen Insurance

Proof of insurance coverage is mandatory to get a Schengen visa.

Our Schengen travel insurance cover is available for leisure and business travellers with no pre-screening or medical exam required. With Europ Assistance’s Schengen travel insurance, you are covered for medical expenses (up to 60,000€) and 24/7 emergency travel assistance. 

Europ Assistance’s Schengen travel insurance cover will allow you to fully enjoy your travel to the Schengen states with peace of mind.  

• Meets all European regulation requirements
• Valid for single tourist, family and business travellers
• Immediately download your Insurance Certificate
• Reimbursement in case of visa refusal

Our Coverage

• Schengen from 3€ per person
• Schengen Plus from 5€ per person

Assistance in the event of illness or injury Up to 30,000€ Up to 60,000€

Europ Assistance will cover medical and expenses in the event of sudden illness or accident that occurs while the insured person is travelling outside his or her resident country.

Coverage includes medical fees, medication costs, hospitalisation expenses, transfer fees that are ordered by a doctor and repatriation costs. 

Assistance in the event of death

Europ Assistance will cover the costs and organise repatriation of the mortal remains of the insured person in the event of death. This includes the costs of embalming, the legal minimum coffin and administrative procedures.

Coverage area Covers trips in the Schengen area Covers trips in the Schengen area plus Bulgaria, Cyprus, Ireland, Romania and the UK

Extension of stay

Europ Assistance will pay the expenses incurred from the extension of stay if prescribed by a doctor, for a maximum of 10 days.

Return and location of companion

Europ Assistance will cover the return costs of any person accompanying the insured person (ticket price).

Accompaniment of minors

Europ Assistance will organise and take charge of the return journey of any person under the age of 14 to his/her country of residence.

Schengen VISA : get your insurance with BLS and Europ Assistance

Immediately after purchasing your travel insurance, you will receive your insurance certificate by email. This is the certificate BLS will use to complete your Schengen VISA.

What do we offer you ? Europ Assistance is the world’s leading assistance and insurance company. With a network of professionals around the world, tailor-made international travel insurance offers, multilingual support and the best value for money out there, we offer you peace of mind throughout your vacation abroad. Our Schengen travel insurance cover is available for family and business travellers with no pre-screening or medical exam required. With Europ Assistance’s Schengen travel insurance, you are covered for medical expenses (up to 60,000€) and 24/7 emergency travel assistance.  Peace of mind while you travel As a provider of international travel insurance, we offer multilingual support from logistics, medical and security experts. During stressful situations or emergencies abroad, communicating in your native language can be a source of comfort. When such a situation occurs, you can trust that a Europ Assistance expert will be there to help you 24/7 in whatever language you speak best, whether that is English, French or Spanish. With a network made up of 750,000 partners, you will not only benefit from peace of mind, but also the expertise and knowledge of medical and financial professionals who will help you whenever and wherever. After the purchase, you can also download your certificate at any time in any of our six languages (English, French, Spanish, German, Russian or Chinese) simply by connecting to the customer support area on our website.

• Meets all European regulation requirements
• Valid for single tourist, family and business travellers
• Immediately download your Insurance Certificate
• Reimbursement in case of visa refusal

Our Coverage

• Schengen from 3€ / person
• Schengen Plus from 5€ per person

Assistance in the event of illness or injury Up to 30,000€ Up to 60,000€

Europ Assistance will cover medical and expenses in the event of sudden illness or accident that occurs while the insured person is travelling outside his or her resident country.

Coverage includes medical fees, medication costs, hospitalisation expenses, transfer fees that are ordered by a doctor and repatriation costs. 

Assistance in the event of death

Europ Assistance will cover the costs and organise repatriation of the mortal remains of the insured person in the event of death. This includes the costs of embalming, the legal minimum coffin and administrative procedures.

Coverage area Covers trips in the Schengen area Covers trips in the Schengen area plus Bulgaria, Croatia, Cyprus, Ireland, Romania and the UK

Extension of stay

Europ Assistance will pay the expenses incurred from the extension of stay if prescribed by a doctor, for a maximum of 10 days.

Return and location of companion

Europ Assistance will cover the return costs of any person accompanying the insured person (ticket price).

Accompaniment of minors

Europ Assistance will organise and take charge of the return journey of any person under the age of 14 to his/her country of residence.

Ireland Travel Insurance

Travel insurance for ireland.

Known for its lush green countryside, ancient castles, and lively traditions, Ireland captivates the hearts of visitors from around the world. Whether you're exploring the vibrant streets of Dublin or marveling at the dramatic Cliffs of Moher, Ireland promises a journey filled with unforgettable experiences. As you embark on your Irish adventure, you must be well-prepared for any unforeseen events. That's where travel insurance comes into play, offering coverage throughout your travels. In this guide, we'll walk you through the ins and outs of travel insurance for Ireland, helping you explore the Emerald Isle with confidence.

• What should your Travel insurance cover for a trip to Ireland? 

How does Travel Insurance for Ireland work?

• Do I need Travel Insurance for Ireland? 
• How much does Travel Insurance cost for Ireland? 

Our Suggested AXA Travel Protection Plan

• What types of medical coverage does AXA Travel Protection plans offer?
• Are There Any COVID-19 Restrictions for Travelers to Ireland?
• Traveling with pre-existing Medical Conditions? 

What should your Travel Insurance cover for a trip to Ireland?

At a minimum, your travel insurance to Ireland should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State  outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Ireland.

Imagine you've planned an exciting journey to Ireland, ready to explore the historic sites and savor the scenic beauty. On the day of your departure, however, you receive news of unexpected severe weather conditions affecting your connecting flight. The airport announces a significant delay, leaving you stranded and unsure about the next steps. Here's where the "Trip Delay" benefit comes to your rescue. With this coverage, you can rest assured that your additional expenses, such as meals and accommodations during the unforeseen delay, are taken care of. In times of escalating challenges, AXA stands ready to assist you in devising a strategic course of action. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits:

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Ireland?

 You don't have to get travel insurance for an Irish visa, but it's a good idea to follow the official advice and get yourself covered.  Here are several reasons why securing travel insurance for Ireland is recommended:

Medical Emergencies: While Ireland offers free healthcare to EU and UK residents, travelers from other regions may face substantial medical expenses in case of illness or injury. Having coverage for emergency medical expenses becomes essential so you can receive necessary medical care without worrying about hefty bills.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Trip Delays: Given Ireland's unpredictable weather conditions, having coverage for unexpected delays can be particularly relevant. Whether it's due to adverse weather affecting flights or other unforeseen circumstances, this benefit may cover additional expenses for meals and accommodations incurred while you wait for your flight.

How much does Travel Insurance cost for Ireland?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:

With AXA Travel Protection, travelers to Ireland will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Ireland hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

The Platinum Plan is your go-to choice if you're looking for extra coverage for Ireland’s experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Ireland's stunning landscapes in a rental car. The "Loss Golf Days" benefit offered by the Platinum Plan is particularly beneficial for travelers visiting Ireland, a country renowned for its world-class golf courses. In the event of unexpected closures impacting your prepaid golf plans, this optional coverage offers reimbursement, allowing your golfing experience to remain pleasurable despite unforeseen disruptions.

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

• Emergency Medical
• Emergency evacuation & repatriation
• Non-medical emergency evacuation & repatriation

Emergency medical: Covers unforeseen events such as fractures, burns, sudden illnesses, and allergic reactions.

Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.

Non-medical emergency evacuation and repatriation:  Assists in situations requiring immediate departure from a destination due to non-medical incidents. These events may include natural disasters or civil unrest, and the coverage provides support for evacuation.

Are there any COVID-19 restrictions for travelers to Ireland?

As of March 2022, all COVID-19 travel restrictions have been lifted. There is no requirement to fill out a passenger locator form, provide proof of vaccination or recovery, or undergo a COVID-19 test.

Traveling with pre-existing Medical Conditions?

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plan with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation.

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance for Ireland?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Ireland?

Travel insurance is not mandatory for U.S. visitors to Ireland. However, having coverage for medical emergencies, trip cancellations, and rental cars can protect you from financial losses due to unforeseen circumstances and costly medical expenses.

4. What is needed to visit Ireland from the USA?

To enter Ireland, a valid passport is required. U.S. citizens can enjoy visa-free entry for tourism or business stays lasting up to 90 days. While there is no specific minimum passport validity requirement, it is advisable to possess a passport valid for the entire duration of your stay. Additionally, it is recommended to have evidence of ample funds to support your stay and a return airline ticket.

5. What happens if a tourist gets sick in Ireland?

If you become sick in Ireland, travelers with AXA Travel protection can contact the AXA Assistance at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Travel insurance through Europ Assistance

As of September 2022, guests who live in the United Kingdom, Germany, Spain, Italy, Ireland, Netherlands, Austria, and Portugal can purchase travel insurance on the checkout page.

The travel insurance policies are offered by Generali's Europ Assistance Group, trading under the Europ Assistance name in the EU and UK.

Don’t live in the UK or the EU countries listed? Travel Insurance is also available to residents of the United States and residents of certain Canadian provinces . Reservation insurance is available to residents of France. And guests everywhere can purchase travel insurance outside of Airbnb, directly through a travel insurance company’s website or by shopping around on a comparison site.

For UK residents

Adding insurance while booking.

You’ll be given the option to add travel insurance on the checkout page when making your Airbnb booking. Before you do, be sure to review the details of the insurance policy being offered and what’s covered to make sure it’s right for you.

Shortly after your reservation is confirmed, you’ll get an email confirming your insurance purchase and providing a copy of your insurance policy. That email will also include a link to your policy details page, which is where you can cancel your policy, start a claim, and more.

Making changes to your reservation

Your travel insurance policy will be automatically updated if the dates of your reservation or guest count change and there is no claim on the existing policy. If the change impacts the total price of your reservation, you’ll be charged or refunded an adjusted amount for your travel insurance.

What the policy covers

The Europ Assistance travel insurance policy includes:

• Travel cancellation : Get reimbursed for up to 100% of your non-refunded Airbnb reservation cost if you cancel for a covered reason, such as: serious illness or injury, a flight delay due to mechanical breakdown, or a natural disaster at your home or destination.
• Delayed departure : Get reimbursed for certain additional expenses you incur because your trip is delayed for 12 hours or more for a covered reason. Covered reasons include a storm, fire, or flood at the departure point; mechanical breakdown of your vehicle; and loss of travel documents or money.
• Medical assistanc e: Get reimbursed for medical expenses you incur while traveling abroad, such as: hospitalisation costs, medication prescribed by a doctor, or ambulance journeys ordered by a doctor.
• Luggage : Get reimbursed if your luggage is lost definitively or damaged by your carrier.

What’s not covered

• Pre-existing medical conditions : If you’re traveling with medical conditions, you may need additional or alternative coverage. For information, contact the Money and Pensions Service by calling +44 (0) 80 0138 7777 or searching their medical cover firm directory .
• Certain travel costs : You can’t get reimbursed for the cost of planned transport (including flights, trains, and ferries) to and from your Airbnb listing if you need to cancel your reservation before you depart on your trip.

Is COVID-19 covered?

Although pandemics aren’t covered by travel insurance, COVID-19 is covered in some situations because it’s considered to be a serious illness. Unexpected illness is a covered reason under the travel cancellation, medical assistance, and travel curtailment benefits. You’re not covered for travel disruptions caused by COVID-19, like border closures and quarantine mandates.

Please note that if you file a claim due to COVID-19, you’ll be asked to provide documentation showing that you, a family member (for example, your child), or someone staying with you at the Airbnb accommodation tested positive while under the virtual or in-person supervision of a qualified medical professional.

Who’s covered

Every policy covers the guest who purchased it and the people who are staying with them at the Airbnb accommodation. These people don’t have to be added to the Airbnb reservation or named on the policy in order to be covered, and there are no age restrictions.

Canceling your policy

UK residents can cancel their policy within 14 days of purchase for a full premium refund. Please note that you can’t cancel your policy after you’ve departed on your trip or started a claim, even if you’re within the 14-day cooling-off period.

To cancel your policy, just go to your coverage overview page and select Cancel policy .

Starting a claim

Claims are handled by Europ Assistance from start to finish. You can start a claim by going to your coverage overview page and selecting Start a claim or by contacting Europ Assistance directly.

How to get help

If you have questions about your policy, need help with a claim, or want travel assistance contact Europ Assistance by calling +44 (0) 203 7888 656 or emailing [email protected] .

For UK residents, travel insurance is underwritten by Europ Assistance S.A. UK Branch.

Europ Assistance S.A. is supervised by the French Supervisory authority (ACPR), 4, place de Budapest, CS92459 - 75436 Paris Cedex 09, France. Europ Assistance S.A. UK Branch is authorized by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available on request.

For UK residents, this travel insurance is arranged by Airbnb UK Services Limited. Airbnb UK Services Limited is an appointed representative of Aon UK Limited, who is authorised and regulated by the Financial Conduct Authority. Aon UK Limited’s FCA register number is 310451, you can check this by visiting the Financial Services Register | FCA or calling 0800 111 6768. Travel Insurance is available to guests aged 18 and over. Full terms and conditions apply. FP.AFF.343.LC

For EU residents

• Medical assistance : Get reimbursed for medical expenses you incur while traveling abroad, such as: hospitalisation costs, medication prescribed by a doctor, or ambulance journeys ordered by a doctor.

Although pandemics aren’t covered by travel insurance, COVID-19 is covered in some situations because it’s considered to be a serious illness. Unexpected illness is a covered reason under the travel cancellation, medical assistance, and travel curtailment benefits.You’re not covered for travel disruptions caused by COVID-19, like border closures and quarantine mandates.

EU residents (excluding France) can cancel their policy within 14 days of purchase for a full premium refund. Please note that you can’t cancel your policy after you’ve departed on your trip or started a claim, even if you’re within the 14-day grace period.

To cancel your policy, just go to your coverage overview page and select  Cancel policy .

If you have questions about your policy, need help with a claim, or want travel assistance:

• Austria residents: Contact Europ Assistance by calling +43 120 609 2205 or emailing [email protected] .
• Germany residents: Contact Europ Assistance by calling +49 302 238 4619 or emailing [email protected] .
• Ireland residents: Contact Europ Assistance by calling +353 15 41 07 39 or emailing [email protected] .
• Italy residents: Contact Europ Assistance by calling +39 02 23 33 14 35 or emailing [email protected] .
• Netherlands residents: Contact Europ Assistance by calling +31 207003745 or emailing [email protected] . For travel assistance, call +32 2 541 9011.
• Portugal residents: Contact Europ Assistance by calling +34 915 368 419 or emailing [email protected] .
• Spain residents: Contact Europ Assistance by calling +34 915 143 721 or emailing [email protected] .

For EU residents, travel insurance is underwritten by Europ Assistance SA acting through its Irish branch and offered by the insurance intermediary Aon Iberia Correduria de Seguros y Reaseguros S.A.U. with Airbnb Marketing Services S.L.U. acting as an external collaborator. Europ Assistance SA is supervised by the Autorité de contrôle prudentiel et de résolution (ACPR) in France, and its Irish branch is regulated by the Central Bank of Ireland for conduct of business rules. Full terms and conditions apply.

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Travel Insurance for Europe: 4 Best Options for 2024

Allianz Travel Insurance »

Travelex Insurance Services »

Generali Global Assistance »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Europe.

Table of Contents

• Allianz Travel Insurance
• Travelex Insurance Services

You almost certainly will want travel insurance for Europe, mostly because the high cost for international trips is worth protecting against travel delays and trip cancellations. Since your U.S. medical coverage will not apply overseas, you also need international health insurance that covers surprise medical expenses and medical evacuation.

If you're searching for the best Europe travel insurance that money can buy, consider the following plans and all they have to offer.

Frequently Asked Questions

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. After all, U.S. health insurance plans do not provide coverage for medical emergencies overseas, and the same is true for government health plans like Medicare. Check out our article on whether your health insurance covers international travel .

Other benefits built into Europe travel insurance plans can also protect the money that's been spent on airfare, hotel stays, Europe cruises and tours. For example, travelers can benefit from having coverage for trip cancellation, trip delays, lost or delayed baggage, and more.

Every travel insurance policy is unique, so you'll want to read over individual travel insurance plans to see what they protect against. That said, the bulk of travel insurance plans for trips to Europe provide the following coverages:

• Trip cancellation
• Trip interruption
• Travel delays
• Lost luggage reimbursement
• Baggage delay coverage
• Medical expenses
• Emergency medical evacuation
• Rental car damage

Some travel insurance plans also offer additional or optional coverage for sports equipment or sports equipment delays, missed connections, accidental death and dismemberment (AD&D), adventure sports and more.

Some visitors to countries in the Schengen area are required to have a visa for short stays that can last for up to 90 days within a timeline of up to 180 days. However, this is not the case for American citizens, who can stay in Europe for up to 90 days at a time without meeting specific visa requirements.

The U.S. Department of State also notes that American citizens who want to stay in Europe for more than 90 days should reach out to the country they plan on visiting to inquire about their visa process.

If you live in a country that requires a Schengen visa, you are required to purchase Schengen visa insurance that pays for overseas medical expenses. This coverage must provide at least 30,000 euros in protection against medical expenses that result from hospitalization, emergency treatment and repatriation of remains in the case of accident or death.

• Allianz Travel Insurance: Best Overall
• Travelex Insurance Services: Best Cost
• Generali Global Assistance: Best for Medical Emergencies
• WorldTrips: Best for Groups

Optional cancel for any reason (CFAR) and preexisting medical conditions coverage available

Kids 17 and younger covered for free

Lower coverage amount for medical expenses than some providers

• $100,000 per traveler in coverage for trip cancellation
• $150,000 per traveler in coverage for trip interruptions
• $500 in coverage for eligible trip changes
• $50,000 in emergency medical coverage
• $500,000 for emergency medical transportation
• $1,000 toward baggage loss or damage
• $300 in coverage for baggage delays of 12 hours or more
• $800 in protection for travel delays (daily limit of $200 applies)
• $100 per insured person per day in SmartBenefits coverage for eligible delays
• 24-hour hotline assistance
• Concierge services

SEE FULL REVIEW »

Optional CFAR and preexisting medical conditions coverages available

Kids 17 and younger are covered for free

Many coverages cost extra

• 100% of trip cost for trip cancellation (up to $50,000)
• 150% of trip cost for trip interruption (up to $75,000)
• $2,000 in coverage for trip delays of five hours or longer
• $750 in coverage for missed connections
• $50,000 in coverage for emergency medical expenses ($500 dental sublimit included)
• $500,000 in coverage for emergency medical evacuation and repatriation
• $1,000 in coverage for baggage and personal effects
• $200 for baggage delays of 12 hours or longer
• $200 for sporting equipment delays of 24 hours or longer
• $25,000 for accidental death and dismemberment coverage
• 24/7 travel assistance
• 100% of the insured trip cost for financial default of a travel provider (maximum of $50,000)
• Trip cancellation and interruption coverage for preexisting medical conditions (maximum of $50,000)
• Cancel for work reasons coverage
• CFAR insurance
• Car rental coverage worth up to $35,000
• $50,000 in additional emergency medical coverage
• $500,000 in additional coverage for emergency medical evacuation and repatriation
• Adventure sports exclusions waiver
• $200,000 in coverage for flight accidental death and dismemberment

CFAR and preexisting medical conditions coverages available

High coverage limits for medical expenses and evacuation

CFAR coverage only reimburses at 60%

• $1,000,000 coverage limit for emergency medical evacuation and transportation
• $250,000 coverage limit for medical expenses ($500 limit for dental emergencies)
• 100% of trip cost for trip cancellation
• 175% of trip cost for trip interruption
• $1,000 per person for travel delays ($300 per person daily limit applies)
• $2,000 per person in coverage for baggage and $500 for baggage delays
• $2,000 per person in coverage for sporting equipment and $500 for sporting equipment delays
• $1,000 per person in coverage for missed connections
• Air flight accident AD&D coverage worth $100,000 per person and $200,000 per plan
• Travel accident AD&D coverage worth $50,000 per person and $100,000 per plan
• $25,000 in coverage for rental cars
• 24-hour travel support

Discounts for groups of five or more

Potential for high coverage limits for medical expenses

No coverage for trip cancellation

Available coverage limits vary by age

• $5,000 for local burial or cremation
• Up to $25,000 in AD&D coverage
• $100,000 in coverage for emergency reunions
• $10,000 in coverage for trip interruption
• $1,000 for lost checked luggage
• $100 in coverage for lost or stolen passports or visas
• $100 in coverage per day for travel delays of at least 12 hours (two days of coverage maximum)
• Up to $25,000 in personal liability coverage

Why Trust U.S. News Travel

Holly Johnson is a travel writer who has created content about travel insurance, family travel, cruises, all-inclusive resorts and more for over a decade. She has visited more than 50 countries around the world and has an annual travel insurance plan of her own. Johnson also has experience navigating the claims process for travel insurance plans and has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson works with her husband, Greg, who is licensed to sell travel insurance and owns the travel agency Travel Blue Book .

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Reservation insurance for EU residents

Travel is rewarding, but sometimes things don’t go as expected. People can get sick, flights can get canceled, and bags can go missing. To help protect you financially, there’s reservation insurance.

Airbnb guests who live in France can purchase reservation insurance on the checkout page. The policy is underwritten by Europ Assistance, a leading travel insurer.

Don’t live in France? Residents of the United Kingdom, United States, and certain other countries in the European Union can purchase travel insurance on the checkout page. And guests everywhere can purchase travel insurance outside of Airbnb, directly through a travel insurance company’s website or by shopping around on a comparison site.

Adding insurance while booking

If eligible, you’ll be given the option to add reservation insurance on the checkout page. Before you do, be sure to review the details of the insurance policy to make sure it’s right for you.

Shortly after your reservation is confirmed, you’ll get an email confirming your insurance purchase. That email will include your insurance certificate as well as a link to your policy details page, where you can cancel your policy, start a claim, and more.

Making changes to your reservation

If the dates of your reservation change (or if the guest count changes), your reservation insurance will be automatically updated. If the change impacts the total cost of your reservation, your reservation insurance premium will be adjusted, and you’ll be charged or refunded accordingly.

Learn more about changing an Airbnb reservation.

What’s covered

Reservation insurance through Europ Assistance covers:

• Reservation cancellation: Get reimbursed (up to 100% of your Airbnb reservation cost) if you cancel your Airbnb reservation for a covered reason. Covered reasons include serious illness or injury; a flight delay due to mechanical breakdown; and a natural disaster at your home or destination.
• Medical assistance: Get help paying (up to €50,000 per person) for emergency and pre-authorised medical services you need while travelling abroad, such as hospitalisation costs, medication prescribed by a doctor, and ambulance journeys ordered by a doctor. (Please note that the €50,000 per person limit applies to residents of all EU countries where reservation insurance is offered except Germany, where medical assistance coverage is unlimited.)
• Delayed departure: Get reimbursed (up to €750 per person) for reasonable expenses you incur because your trip is delayed for 12 hours or more for a covered reason. Covered reasons include a storm, fire, or flood at the departure point; mechanical breakdown of your vehicle; and loss of travel documents or money.
• Luggage: Get reimbursed (up to €1,000 per person) if your luggage is damaged by your carrier, stolen, or permanently lost.
• Luggage delay: Get reimbursed (up to €250 per person) for necessary purchases you make because your luggage is delayed by your carrier for more than 24 hours. Covered expenses may include clothing, food, and toiletries.
• Sporting equipment: Get reimbursed (up to €1,000 per person) if your sporting equipment is damaged by your carrier, stolen, or lost permanently.
• Sporting equipment delay: Get reimbursed (up to €1,000 per person) for the cost of sporting equipment rentals if your sporting equipment is delayed for more than 24 hours.
• Reservation curtailment: Get reimbursed (up to 125% of your Airbnb reservation cost) for nights you can’t stay at your Airbnb accommodation, and additional transportation expenses you incur, because your trip is delayed or cut short for a covered reason. Covered reasons include serious illness or injury; delay of a flight, train, or boat; and passport theft.
• Personal accident: Get reimbursed (up to €100,000 per person) if you’re injured in an accident while you’re on your trip, resulting in permanent total disability or the loss of your life, limb, or sight.
• Travel documents: Get reimbursed (up to 10 days at €80 per night) for additional travel and accommodation expenses you incur because your passport or ID are lost or stolen while you’re traveling abroad.

Coverage for COVID-19

Although pandemics aren’t covered by reservation insurance, COVID-19 is covered in some situations because it’s considered to be a serious illness. Serious illness is a covered reason under the reservation cancellation, medical assistance, and reservation curtailment benefits.

Please note that if you file a claim due to COVID-19, you’ll be asked to provide documentation showing that you, a family member (for example, your child), or someone staying with you at the Airbnb accommodation tested positive while under the virtual or in-person supervision of a qualified medical professional.

What’s not covered

As is the case with all insurance policies, there are terms, conditions, and exclusions that apply. Generally, foreseeable events and events that aren’t named in the policy aren’t covered.

Specifically, EU residents should know that the Europ Assistance policy doesn’t include certain travel costs: You can't get reimbursed for the cost of planned transport (flights, trains, ferries, etc.) to and from your Airbnb accommodation if you need to cancel your reservation before you depart on your trip.

Who’s covered

Every policy covers the guest who purchased it and the people who are staying with them at the Airbnb accommodation. These people don’t have to be added to the Airbnb reservation or named on the policy in order to be covered, and there are no age restrictions.

Updating your policy

Your reservation insurance will be automatically updated if you change the dates of your Airbnb reservation, or the guest count.

If the change impacts the cost of your reservation, your reservation insurance premium will be adjusted and you’ll be charged or refunded accordingly.

Canceling your policy

Residents of France can cancel within 30 days of purchase. Please note that you can’t cancel your policy after you’ve departed on your trip or started a claim, even if you’re within the 30-day period.

To cancel your policy, just go to your policy details page and select Cancel policy. Alternatively, you can send an email to [email protected] .

Filing a claim

Claims are handled by Europ Assistance from start to finish. You can start a claim by going to your policy details page and selecting Start a claim. Alternatively, you can contact Europ Assistance by sending an email to [email protected] or calling +33 1 57 32 73 04 (France residents only).

Filing a complaint

You can file a complaint if you have issues with reservation insurance.

If you encounter issues while trying to purchase reservation insurance, contact our Insurance team by sending an email to [email protected] or calling +33 182 885 905 (France residents only).

If you have issues related to your coverage, medical assistance, or a claim, contact Europ Assistance by sending an email to  [email protected] or calling +33 157-327-304 (France residents only).

Getting help

Europ Assistance has dedicated support for Airbnb guests.

If you have questions about your policy or need medical assistance, send an email to [email protected] or call +33 157 327 304 (France residents only).

If you need help with a claim, send an email to [email protected] or call +33 157 327 304 (France residents only).

This reservation insurance is offered by Airbnb Ireland Insurance Services Limited and underwritten by Europ Assistance S.A. Irish Branch. Airbnb Ireland Insurance Services Limited is regulated by the Central Bank of Ireland. Terms and conditions apply.

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Europ Assistance

Welcome to our help center! Here you can find a wealth of information to answer any questions you may have. If you can’t find what you’re looking for, please don’t hesitate to contact our teams at Europ Assistance using the associated form.

We’re here to assist you in any way we can, but before we get started, we need to know which category you fall into. Please select the appropriate form based on your status, whether you’re a customer / individual , company , candidate , or journalist . This will help us direct your inquiry to the right department and provide a prompt response. Thank you for choosing to contact us, and we look forward to hearing from you soon.

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We’re working really hard to keep you in the loop as much as possible in the fast-changing circumstances. 

We want to help you wherever we can during these challenging times. If you’re struggling financially as a result of Coronavirus and are worried about the payments for your policy, or if you have a policy that you don’t think you’ll need now, such as an annual travel policy, please get in touch. We’ll discuss your options with you and work out how we can provide support.

Our call centres are very busy at the moment and we are trying to answer your questions as quickly as we can. If your query is non-urgent and you are not due to travel in the next two weeks, please don’t contact us yet, so we can prioritise people in need of urgent help or who are due to travel sooner.

In the meantime, we are regularly monitoring the situation and updating our Coronavirus single trip/backpacker and annual multi-trip FAQ pages. To find out more about the impact the outbreak is having on our travel insurance policies, please check the relevant FAQ before calling or emailing us.

We’d also like to highlight that travel insurance only protects against unforeseen circumstances getting in the way of your travel plans, so any policy you buy now will have very limited insurance coverage. While the Department of Foreign Affairs (DFA) has advised against all but essential travel indefinitely, you will not be covered under our travel insurance policies if you decide to go ahead with your trip. 

Travel Insurance for Europe

Whether you’re planning a Parisian city break or beach holiday in the Canary Islands, Europe offers a diverse range of destinations for every type of traveller.

While holidays to France are all about culture and great food, trips to Iceland allow you to see Europe’s wilderness and wildlife at its best – you can even witness the majestic beauty of the Northern Lights! Alternatively, you can take a trip as far away as Russia, and learn more about the country’s history, or be mesmerised by the grandeur of the Red Square. If you’d rather shop until you drop, try Milan’s gorgeous designer boutiques.

With so much choice, it can be hard to pick just one destination, which is why interrailing has become so popular. You can leave with your backpack and explore everything this beautiful continent has to offer on one trip. If you’re taking an extended break in Europe, then our Backpacker insurance could be a good fit.

Below is some more information about our insurance products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

Why do you need travel insurance for Europe?

You may think that travel insurance isn’t as important when you’re staying closer to home, but the truth is, things can still go wrong.

For example, your flight might be cancelled, your luggage may be lost, or your valuables could be stolen by pickpockets at busy tourist attractions. Thankfully, travel insurance can help protect you against these risks and more. Accidents can happen wherever you are but, with European travel insurance, you’ll have peace of mind knowing that you’re protected if something doesn’t go to plan. 

What does our European travel insurance cover? 

At Allianz, we offer a level of insurance that’s appropriate for most travellers. You can choose either a Single Trip , Annual or Backpacker policy, depending on how you travel. You can also choose between our Bronze, Silver or Gold levels of cover.

Depending on which policy you choose, you’ll be protected against: 

·     Cancelling your trip, or cutting it short

• Catasytophes**
• Emergency medical and associated expenses
• Loss of passport*
• Delayed personal possessions
• Lost, stolen or damaged personal possessions*
• Loss of money*
• Personal accident
• Missed departures
• Delayed departures
• Personal liability
• *Not available with Bronze cover
• **Only available with Gold cover
• Terms and Conditions apply.  

Frequently Asked Questions

What countries are included in european travel insurance .

• The Republic of Ireland
• The Channel Islands
• The Isle of Man
• Continental Europe
• Mediterranean islands
• Canary Islands

If you’re staying close to home, then you can choose ‘UK/Ireland’ as your area of cover. This will provide you with cover if you’re travelling to somewhere else in the Republic of Ireland, the UK, the Channel Islands or the Isle of Man.

*Please note that you will not be covered if you travel to a country or region that the Department of Foreign Affairs has advised against all travel, or against all but essential travel. 

Do I need travel insurance if I have an EHIC card? 

If you’re travelling within the European Economic Area (EEA), then an EHIC card is an important document to have. However, it is not a replacement for European travel insurance.

The card entitles you to cheaper (or sometimes free) emergency treatment in a number of EEA countries. Although the card entitles you to the same treatment as local citizens, you should be aware that many countries will not pay the full cost of healthcare for people who have a card, so you may still have to pay for some parts of your treatment. Similarly, the EHIC does not cover any medical treatment in a private hospital or clinic, the cost of additional accommodation or the cost of bringing you back home.

For this reason, you should still take out travel insurance for Europe. This way, your medical bills will be included in your cover, and you’ll also be covered for things like cancellations, delayed flights and delayed personal possessions.

I'm holidaying in Ireland; do I still need to buy travel insurance?

I'll be driving in europe; is there anything i should be aware of.

If you’re travelling around Europe by car, then you’ll need an International Driving Permit (IDP) in some European countries. This will allow you to drive a private motor vehicle abroad when accompanied by a valid driving licence. It is valid for one year from the date of issue and you can apply online. You should also notify your vehicle insurer that you’ll be taking your vehicle out of the Republic of Ireland, and ensure you’re adequately covered for your trip.

Before you travel, you should also purchase our European Breakdown Cover . This way, if you’re unfortunate enough to breakdown on your journey, we’ll get you back on the road as quickly as possible. If we can’t fix your car within 4 hours, we’ll do all we can to get you back on your journey with a courtesy car, onward rail fare or overnight accommodation.

Before you set off, you should also check what extra equipment you may require in the countries you’re driving in. This may include items like a breathalyser, a reflective jacket, a warning triangle or snow chains and winter tyres. These can vary depending on the country you’re driving in, and the time of year you’re travelling.

While you’re away, you should always carry your driving licence, IDP (if required), original vehicle registration document and passport. You should also display the IRL national identification letters on your vehicle (and any caravan or trailer you are towing) when travelling outside the EU. Depending on where you’re travelling to, you may also need to display an emissions sticker on your windscreen.

Check the rules and regulations for the countries you’re visiting carefully before you travel to make sure you have everything you need. 

Find the perfect insurance for your European holiday 

Backpacker Travel Insurance

Winter Sports & Ski Insurance

Annual Multi-Trip Travel Insurance

Family Travel Insurance

Single Trip Travel Insurance

Golf Insurance

Need help? Call us on: 0371 200 0428

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