Best Travel Insurance for Europe

What separates the best travel insurance for Europe on this page?

Two plans sit at the top with a score of 8.5: Faye at $149 and Seven Corners at $168. Faye's pull is the claims process — approved claims land in the Faye Wallet in days, and the plan carries $250,000 medical and $500,000 evacuation. Seven Corners counters with $500,000 emergency medical and $1 million evacuation, the highest limits in the ranking, plus CFAR at 75% and a pre-existing waiver with a 20-day window.

Allianz Travel Insurance scores 8 at $172. Its AllTrips annual plans start at about $150 and cover a year of trips, SmartBenefits pays fixed delay claims automatically from flight data, and kids 17 and under are free on OneTrip Prime. The trade-off: Prime's medical limit is $50,000, and there is no true cancel-for-any-reason — "Cancel Anytime" is Premier-only.

Travelex at $139 is the cheapest quote here and covers kids 17 and under free on Travel Select, but its $50,000 medical limit is low for international trips. WorldTrips at $156 runs Atlas Travel medical-only plans for months abroad at very low cost, with a 21-day pre-existing window, the longest on the page.

What should I check before buying travel insurance for Europe?

We scored on coverage (35), claims and service (25), price (20) and flexibility (20), so weigh your own trip the same way.

• Medical and evacuation limits. They range from $50,000 medical on Allianz Prime and Travelex to $500,000 on Seven Corners. European hospital bills can outrun a low limit fast.
• Which tier you are buying. Seven Corners' basic plan limits are far lower than its headline numbers, and WorldTrips' mid plan carries $150,000 medical while Elite raises it.
• Pre-existing conditions. Seven Corners offers a waiver with a 20-day window; WorldTrips runs 21 days.
• How claims are filed. Faye is app-first and pays to a wallet; Travelex uses web forms and email; WorldTrips is paper-heavy.
• Eligibility and trip shape. Faye is US residents only and has no annual plan. If you take several trips, Allianz's annual plans from about $150 matter more than a single-trip quote.

Faye

For US residents who want claims handled in an app and paid to a digital wallet, with $250,000 medical and $500,000 evacuation behind it.

Seven Corners

For travelers who want the highest medical and evacuation limits in the ranking and CFAR at 75%, and who will confirm they are on the right tier.

Allianz Travel Insurance

For frequent travelers and families — annual plans from about $150, automatic delay payments, and kids 17 and under free on OneTrip Prime.

Travelex Insurance Services

For families watching the budget: the lowest quote here at $139, kids 17 and under free with an insured adult, and upgrades for higher medical.

WorldTrips

For long stays abroad — Atlas Travel medical-only plans for months at very low cost, $1 million evacuation on Journey Preferred, and a 21-day pre-existing window.

Faye suits US residents who want app-based claims paid to a wallet, while Seven Corners suits anyone who needs the highest medical and evacuation limits here. Allianz fits frequent travelers and families through its annual plans, Travelex fits families on a budget at $139, and WorldTrips fits long stays abroad on medical-only Atlas Travel plans.