Planning a Trip to Europe? Here’s the Best Travel Insurance [2024]

Purchase travel insurance well ahead of your European travels — ideally within 2 weeks of your first trip payment. Image Credit: Christine Krzyszton

Europe travel insurance is available through various channels. You can purchase travel insurance directly from travel insurance companies, compare multiple options on a travel insurance website, or take advantage of offers as you book your travel.

Travel insurance companies typically offer online quotes and allow you to purchase your policy online. You can compare your options, though you need to visit all the travel insurance company websites you’re interested in to get quotes. This is a good option if you’re loyal to a particular travel insurance company and don’t want to consider others.

A travel insurance comparison website such as Squaremouth can make it easy to compare multiple policies with filters and coverage levels. On sites like these, you input your travel information, including your age, destination, trip cost, and trip duration, to get matched with travel insurance policies that meet your needs. You can narrow down the results based on your preferences and set levels for coverage and deductibles. It’s also easy to look for policies with add-ons such as CFAR or adventure sports in a comparison engine.

Sometimes, travel insurance is an option when you book your travel. For example, you may see travel insurance as you purchase airfare or make a hotel reservation, particularly if you book with an online travel agency such as Expedia or Booking.com. These are usually from third-party travel insurance companies and may be the same policies you can find on a travel insurance comparison website or the individual websites of travel insurance companies.

Hot Tip:

Credit Card Travel Coverage

Many travel credit cards offer travel benefits, including trip cancellation and interruption coverage, baggage delay benefits, and rental car collision damage waivers. 

For example, Chase Sapphire Reserve® has primary car rental coverage of up to $75,000, trip cancellation and interruption coverage of up to $10,000 per person per trip, up to $2,500 for emergency medical or dental services, up to $100,000 in emergency evacuation benefits, and more. 

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Learn More(at Chase’s secure site)A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

UP’s Bonus Valuation*:

$1,200

APR

21.99% – 28.99% VariableWhy We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Card HighlightsEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchasesGet 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.1:1 point transfer to leading airline and hotel loyalty programsAccess to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.Member FDIC

Financial Snapshot

APR: 21.99% – 28.99% VariableForeign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Some of the travel insurance benefits of The Platinum Card® from American Express include up to $75,000 in secondary car rental loss and damage insurance, up to $10,000 per trip in trip cancellation and interruption coverage, a 24/7 premium global assist hotline, and complimentary coverage of emergency services arranged through the hotline such as evacuation, transport, and assistance after an evacuation.

Terms Apply / Rates & Fees

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex’s secure site)Apply With ConfidenceKnow if you’re approved with no credit score impact

If you’re approved and accept this Card, your credit score may be impacted.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

UP’s Bonus Valuation*:

$1,760Good to Excellent (670-850)Card Highlights Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay. $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required. The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023. $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month. $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®. $200 Uber Cash: Platinum Card® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit. $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues. Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost. Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required. Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile. $695 annual fee.¤ Terms Apply.

Financial Snapshot

APR: See Pay Over Time APRForeign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

These benefits are complimentary for cardholders, though the cards may have an annual fee. The travel coverage from your credit card might be enough for your needs. That can save you money if you don’t need to purchase a travel insurance policy. Look closely at your travel insurance benefit coverage limits and deductibles, as these might not offer enough protection for your needs. You can supplement with a travel insurance policy if the benefits aren’t enough.

Final Thoughts

Travel insurance can offer a valuable safeguard for your European adventure, with coverage for trip cancellations, medical emergencies, and travel disruptions. A range of policies are available, so you can tailor coverage to your needs and ensure you’re protected well but not spending more than necessary. Whether you’re taking an adventurous tour or a relaxed vacation, you can enjoy your trip fully knowing that you’re covered in case of the unexpected.

For the car rental loss and damage insurance benefit of The Platinum Card® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the trip cancellation and interruption insurance benefit of The Platinum Card® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the premium global assist hotline benefit of The Platinum Card® from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

For rates and fees of The Platinum Card® from American Express, click here.

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Publish date : 2024-10-30 13:00:00

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