European Travel Insurance for Australian Travellers
Planning a European adventure? Go Insurance provides European travel insurance for Australian travellers — flexible Australian travel insurance from goinsurance.com.au, with comprehensive, budget and student options you can tailor during your quote. Europe is its own region of travel, so one selection can cover a whole multi-country itinerary — from London to Lisbon, Prague to Paris.
Cover is subject to the PDS, including its limits, conditions and exclusions. When you quote, select Europe as your region of travel — or select the individual countries you’re visiting, which can work out a better premium.
Europe Cover at a Glance
A Continent of Once-in-a-Lifetime Moments — a Long Way From Home
For a long time, Europe was a distant dream for many Australians — huge airfares and long, arduous travel to the other side of the world. Better flight schedules and more competitive fares have changed that, and the result is more than worth the journey: ride the world’s oldest underground railway in London, eat frog’s legs beneath the Eiffel Tower, sail the canals of Venice, cross the Ha’penny Bridge in Dublin, run with the bulls in Spain, raise a stein in a Berlin beer hall, wander Prague’s gothic lanes or shop Milan’s fashion quarter — often all on the same trip.
That same distance is exactly why cover matters. If something goes wrong in Europe, you’re 15,000 kilometres from home — and a hospital stay, a medical evacuation back to Australia, or a cancelled multi-country itinerary with flights, rail passes, tours and accommodation booked months ahead can become seriously expensive. Go Insurance builds European cover around what actually matters: overseas medical expenses, cancellation protection for those prepaid bookings, and 24/7 emergency assistance wherever on the continent you happen to be.
What Your European Cover Can Include
A Go Insurance policy for Europe can provide benefits across the events that most commonly derail a European trip, subject to the limits, conditions and exclusions in the PDS.
Which Level of Cover Suits Your Trip?
Go Insurance lets you select exactly what’s covered, so you get the protection you want at a cost that suits your trip.
One Region, Dozens of Countries
Europe is its own region of travel with Go Insurance, stretching from Iceland and Ireland across to Turkey — the regions page lists every country it includes, and the United Kingdom sits within it too. If your trip takes in several countries — and most European trips do — simply select Europe as your region when you quote and your whole itinerary is inside it.
Only visiting one or two countries? You can select them individually instead of the whole region, and that can work out a better premium. A trip that’s just Italy and Greece, for example, may quote cheaper as those two destinations than as all of Europe — it takes seconds to compare both in the quote engine before you buy.
Either way, make sure every country you’ll set foot in is inside your selection — including short stopovers and day trips across a border.
River Cruises and Ocean Cruises Need Their Own Selection
Europe is the world’s river-cruising heartland — the Rhine, the Danube, the Seine, the Douro — and its Mediterranean, Baltic and Norwegian fjord ocean cruises are just as popular with Australians. If your European trip includes a cruise, choosing the region alone isn’t enough.
If you’re river cruising, add River Cruising to your quote as well as your European destinations. If you’re ocean cruising, add Ocean Cruising too. Medicare doesn’t cover medical treatment once you’re at sea, and cruise-ship medical centres bill privately — so the cruising selection is what makes sure your cover follows you on board.
Our cruise cover has been recognised with Canstar’s Outstanding Value award — it can include onboard medical costs, cabin confinement and missed-port benefits, subject to the PDS.
How to Get Covered for Europe
Getting European travel insurance with Go Insurance takes a few minutes — here’s how it works.
Get a Quote
Start your quote at goinsurance.com.au and select Europe as your region of travel — or select your individual countries, which can work out a better premium for a one- or two-country trip.
Choose Your Cover Level
Select comprehensive, budget or student cover, and declare any pre-existing medical conditions so your cover is valid when you need it.
Add Cruising & Extras
River cruising? Add River Cruising. Ocean cruising? Add Ocean Cruising. Skiing the Alps? Add the Snow Sports extension. Extras can’t be added after purchase.
Confirm & Travel
Check your Certificate of Insurance shows everything you selected, save our 24/7 emergency assistance number, and enjoy Europe.
Things to Know Before You Travel
Like all travel insurance, cover for Europe has limits, conditions and exclusions. Key things to be aware of:
Your Europe Pre-Travel Checklist
European Travel Insurance — Frequently Asked Questions
Everything Australian travellers commonly ask about travel insurance for Europe.
What region do I select for a European trip when I get a quote?
Europe is its own region of travel with Go Insurance. If you’re visiting several countries — the classic European multi-stop trip — simply select Europe as your region when you quote and every country in the region is inside your cover. If you’re only visiting one or two countries, you can select them individually instead, which can work out a better premium.
Is it cheaper to select individual countries instead of the Europe region?
It can be. Selecting just the countries you’re visiting — say, Italy and Greece — may quote a better premium than selecting the whole Europe region. The trade-off is flexibility: the region covers you across all of Europe, while individual selections only cover the countries you chose. If there’s any chance your itinerary will grow, or you’ll take a day trip across a border, make sure that country is included — comparing both options in the quote engine only takes a few seconds.
I’m taking a river cruise in Europe — what do I need to select?
Add River Cruising to your quote as well as your European destinations. Europe’s river cruises — the Rhine, Danube, Seine, Douro and more — are hugely popular with Australian travellers, but choosing the Europe region alone doesn’t include cruising. The River Cruising selection is what extends your cover on board. See our cruise cover page for what’s included.
Do I need Ocean Cruising cover for a Mediterranean cruise?
Yes — if your European trip includes an ocean cruise, whether that’s the Mediterranean, the Baltic or the Norwegian fjords, add Ocean Cruising to your quote alongside your destinations. Medicare doesn’t cover medical treatment once you’re at sea, and shipboard medical centres bill privately, so the cruising selection matters. Our cruise cover can include onboard medical costs, cabin confinement and missed-port benefits, subject to the PDS.
Does Medicare cover me in Europe?
Mostly no. Australia has reciprocal health care agreements with only a handful of European countries — including the United Kingdom, Ireland, Italy and the Netherlands — and even there the agreements cover essential public care only. They won’t pay for private treatment, ambulances in most cases, medical evacuation or repatriation back to Australia, and they do nothing for cancellation or lost luggage. Across most of the continent you have no Medicare safety net at all, so travel insurance does the heavy lifting on a European trip.
Which countries does the Europe region include?
The Europe region spans the whole continent — from Iceland, Ireland and the United Kingdom in the west to Turkey in the east, taking in the Schengen heartland of France, Germany, Italy and Spain along with dozens more. The full list is on our regions of travel page. If a country you’re visiting isn’t in the Europe region, add it as an extra destination when you quote so your whole itinerary is covered.
Am I covered for skiing in the Alps?
Only if you add the Snow Sports extension during the quote process — standard cover doesn’t include skiing, snowboarding or similar snow activities. The extension must be selected before you buy and shown on your Certificate of Insurance to be valid, so sort it out before you book that Chamonix, St Anton or Dolomites leg.
What should I do if I’m hospitalised in Europe?
Contact our 24/7 emergency assistance team as soon as possible on +61 7 3481 9880 or sos@goinsurance.com.au. If you’re admitted to hospital, or your medical costs are likely to exceed $2,000, contacting us is a condition of your policy — our team can then deal directly with the hospital, manage costs and arrange evacuation home if it’s needed. Note that our 1300 number generally won’t dial from overseas, so save the +61 number before you fly. Claims can be started any time via our claims support page or claims@goinsurance.com.au.