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Europe Travel Insurance
Please read the Target Market Determination and Product Disclosure Statement
- No upper age limit
- Unlimited cancellation cover available
- Unlimited medical emergency expenses cover with 24/7 emergency medical helpline
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Why do you need Travel Insurance for Europe?
Travelling to Europe is amazing. AllClear’s travel insurance lets you enjoy your trip without stress.
AllClear Travel Insurance covers medical emergencies. You are also covered for lost luggage, travel delays, and cancelling your trip.
Without travel insurance, you might face big medical bills if you need emergency treatment overseas. Uninsured medical treatment and return flights to Australia can cost hundreds of thousands of dollars.
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
What does AllClear’s Travel Insurance cover?
Travelling to Europe is exciting. But you need to be ready for surprises. We provide cover across Europe, even for pre-existing conditions:
What's covered?
Tests, medications, and procedures to treat an illness or injury while travelling. This includes flights to return you home.
Cover flight and hotel costs if you must cancel your trip due to specific unexpected events before leaving.
Protection if you need to return home early due to an emergency.
Insures your baggage and its contents against loss or theft.
Compensates you for extra costs if your flight is delayed.
Cover for legal costs to claim compensation for an incident during your trip.
What’s not covered?
You won’t be covered for the travel insurance excess (the first part of any claim).
Cover is limited to the region you selected.
Events known before buying the travel insurance or booking a trip are not covered.
Not declaring medical conditions means you won't be covered for treatment relating to that condition.
Cover for cancellation is only provided if the reason is in the policy terms and conditions.
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
Levels of Travel Insurance cover
We offer three levels of cover: Gold Plus, Gold and Traveller. The Traveller product is only available for Single Trip policies. This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
Why choose
AllClear Travel Insurance?
94%
of reviews rate us Excellent or Great. Based on 1900+ Trustpilot reviews, July 2025
98%
of customers would recommend AllClear to family and friends. Based on AllClear’s post purchase survey, 373 responses, correct as of 29/05/25
99%+
of customers would consider buying from us again. Based on AllClear’s post purchase survey, 373 responses, correct as of 29/05/25
Find Travel Insurance for Europe
Annual Multi-trip Travel Insurance
Ideal for frequent travellers. This policy can cover all your trips within a year and can save money compared to buying separate policies for each trip.
Single Trip Travel Insurance
Great for one holiday a year. Whether visiting Rome’s historic sites or the beaches of Cyprus, this policy covers a single trip.
Tailored Travel Insurance for Every Journey
With comprehensive Travel Insurance, you can relax, knowing that your holidays are protected against the unexpected.
Pre-existing Medical Conditions
For your peace of mind, get comprehensive Medical Travel Insurance including diabetes, heart disease and cancer.
Cruise Travel Insurance
Covers medical emergencies, trip cancellations, and lost luggage on a cruise in Europe.
Seniors Travel Insurance
Provides cover for medical expenses, including pre-existing conditions.
AllClear’s Europe Travel Insurance for pre-existing medical conditions
AllClear specialises in travel insurance for seniors with pre-existing medical conditions. We cover over 1,300 conditions, helping you find a policy tailored to your needs.
Simply declare your medical conditions through our screening process, online or over the phone, when choosing your policy.
Here are some of the main conditions we can cover:
How much is Travel Insurance to Europe?
The cost of travel insurance can vary widely based on several important factors, such as:
- Destination: the destination within Europe can affect the cost of cover. Spain, for example, has higher medical costs than most of Europe. This means that insurance for Spain will usually cost more than a policy for Italy.
- Duration: the length of the trip will also impact the cost of the policy.
- Your age (and anyone else named on the policy)
- Pre-existing medical conditions for you and anyone else named on the policy.
You could consider if the policy meets your needs, by looking at the cover limits of the benefits. It is most important that it covers you if you need to make a claim.
Being covered is as easy as 1, 2, 3
Get your quote in seconds
Provide your personal details and information about your holiday plans
Select and tailor your cover
Now all you need to do is to choose the level of cover that best suits your needs
Buy your cover and relax
Purchase your cover and you’re ready to go – we’ll take care of the rest!
Our experts say
"With no upper age limit and over 1,300 conditions covered, AllClear can cover you to travel with peace of mind on a once in a lifetime adventure to Europe."
What our customers say
“Very easy process to purchase insurance online and great to have peace of mind knowing my travel insurance is all sorted.”
see full review
Travel risk and healthcare in Europe
Tourists may face issues like pickpocketing, muggings, and scams. Knowing these risks and taking precautions can help. But, having travel insurance is essential for added security. Our Europe holiday insurance protects you from theft and other issues.
Healthcare in Europe varies by country. Australia has no healthcare agreement with all European nations. Even where agreements exist, they often do not cover all needs. Emergency assistance, repatriation, and medicine costs are often not included. This leaves travellers vulnerable to high medical expenses.
Medical bills in Europe can be very costly, especially for emergencies and specialised care. This makes AllClear’s Travel Insurance crucial. Our insurance covers many medical costs. This ensures you get care without high costs.
FAQs
Do Australian citizens need travel insurance in Europe?
Yes, Australian citizens need travel insurance when travelling to Europe. Europe is mostly safe, but unforeseen events can happen. These include medical emergencies, trip cancellations, and lost luggage. Travel insurance covers these situations. This prevents high out-of-pocket costs and gives you peace of mind.
How long in advance do you need travel insurance?
It’s best to buy travel insurance as soon as you book your trip. This covers you for any unexpected events before your trip, like cancellations or medical emergencies. By getting insurance early, you protect your travel investment from the start.
Can I add travel insurance after booking?
Yes, you can add travel insurance after booking your trip. However, it is best to buy travel insurance right after you book your trip. This ensures you have full cover. Delaying your purchase may leave you unprotected if events happen before you get your insurance.
Do you need a Schengen Visa for Europe
Whether you need a Schengen Visa depends on the countries you are visiting and your nationality. Australian citizens can enter Schengen Area countries without a visa for short stays of up to 90 days within a 180-day period. If you plan to stay longer or visit countries outside the Schengen Area, you may need a visa.
Do you cover for multiple trips to Europe?
Yes, AllClear offers Annual Multi-Trip Travel Insurance, which covers multiple trips to Europe within a year. This can be more cost-effective and convenient than purchasing separate policies for each trip. Our comprehensive coverage ensures you are protected throughout all your travels.
You’re travelling to multiple countries in Europe. Do you need to list every destination you’re visiting?
When buying travel insurance, list all the main destinations you plan to visit. This ensures that your policy covers you in each location. If you change your travel plans, update your insurance provider to maintain full cover.
Are you covered by Medicare in Europe?
Medicare does not cover medical expenses in Europe. Australia has healthcare agreements with some European countries, but they have limited cover. They do not include emergency assistance, repatriation, or medicine costs.
What sports and activities are covered under your policies?
AllClear’s travel insurance policies cover many sports and activities. These include low-risk activities like swimming, hiking, and sightseeing. They also include some higher-risk activities, like skiing and scuba diving. Cover may vary based on the policy type and your age. Check the policy details or contact us for specific activity cover.
Will my photography equipment be covered in Europe?
Yes, AllClear’s travel insurance can cover your photography equipment in Europe. This includes protection against loss, theft, or damage to your equipment. Check the policy for limits on cover. Specify valuable items to ensure they’re protected.
We’re here to help
Emergency assistance 24/7
Find out what to do if you need emergency medical assistance when on holiday.
Need to make a claim?
Find out what to do if you need to make a claim under your Travel Insurance policy.
Product Disclosure Statement
Find out all the cover details of the different policies.
Get your Travel Insurance quote
Travel with confidence
