European Travel Insurance

From just £3.84 per trip* or £27.96 annually**

Stay covered in case of delays, cancellations & more on your next European holiday

  • Choose from 4 cover levels
  • Discounted rates for couples
  • Baggage & possessions
  • Cancellations & curtailment

*Three days’ single-trip Economy level cover for an individual aged 18-35.
**Annual Economy level cover for an individual aged 18-35.
Exclusions, limitations & excesses apply.

Want European travel cover?

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What's covered?*

Excesses, exclusions & limitations apply – scroll down for more details

Medical emergencies

 Up to £10 million


 Up to £10,000


 Up to £500


Personal luggage

 Up to £3,000

Missed departure**

 Up to £1,500


 Up to £525 

 *All coverage maximums listed apply to the Premier PLUS cover level.

**Not covered under Economy cover level.


Before you buy

Key cover

Details about our European Travel Insurance

Delay & missed departures

Delays sometimes seem like they can be an unavoidable part of travelling. That's why we offer you cover, along with missed departures and total holiday abandonment that are out of your control.


Delays and missed departures are not covered by Economy level policies. Flights, sea crossings or coach/train journeys must be delayed for 12+ hours as a direct result of industrial action, adverse weather or mechanical breakdown of the vehicles involved.

Cancellation & curtailment

If you’re forced to abandon your European holiday, cancel it before you leave or even cut your trip short once you've arrived, there's good news. Depending on your cover level, you’ll be covered between £1,500 and £10,000.


Applies as a result of unforeseen events as detailed in the terms and conditions.

Baggage & possessions

The hectic nature of traveling overseas can increase the risk that your personal luggage, money and passport get damaged, stolen or lost. With us, you can get covered up to £3,000.


£3,000 maximum cover applicable for Premier PLUS cover level – maximums are £1,500 on Economy or Standard and £2,000 on Premier. Single item limits apply.

Medical emergencies

If you find yourself in need of emergency medical treatment during your European holiday, don't worry. All of our policies cover you for up to £10m for emergency medical treatment and repatriation – and are backed up by our 24/7 emergency helpline.


Different excesses apply for each cover level. You must make all reasonable attempts to gain pre-approval from us before incurring medical expenses over £500. See terms and conditions for full details.


What you'll have to pay for an approved claim. Swipe the table left and right to see all excesses.

Cover levelEconomyStandardPremierPremier PLUS
Medical emergency,
repatriation & dental
For all other claims*£150£100£85Nil

*Some elements of cover carry a zero excess at all levels – click the link below for full details. Our Excess Waiver add-on can be purchased for an additional premium and reduces all excesses to zero.

See full details >

Terms & Conditions      Contact us    Summary of Cover

Compare our cover levels – a week's holiday in Europe*









Premier PLUS


Frequently asked questions

What is an "excess fee"?
Tap to read answer

Unless you have purchased ‘Premier PLUS’ cover, most sections of the policy carry an "excess fee". This is the amount you will have to pay – separate from your premium – if you make a claim which is approved. The amount may vary depending on the level of cover you have chosen, and is applicable per person, per section.

How can I pay for my policy?
Tap to read answer

We accept Visa, MasterCard, Maestro/Switch, Solo, Visa Electron, Delta and American Express credit and debit cards. We can also accept cheques, but only for policies over the value of £100. The policy will not be set up until the cheque has been cleared through our bank. Cheques should be sent to:

PYB Travel Insurance,
Griffin House,
135 High Street,
Crawley RH10 1DQ

If you have questions, please contact us on 0343 658 0253.


What are the main exclusions and conditions of this policy?
Tap to read answer

You will not be eligible for coverage if:

  • You’re 55 years of age or older;
  • You live outside of the UK, or have spent more than six months abroad in the year prior to attempting to purchase a policy;
  • You’re planning on travelling against the advice of a medical practitioner.

There are also a number of limitations on cover and different policy exclusions depending upon which level of cover is taken out – please see the Travel Insurance Terms and Conditions for full details.

How often can I travel on an Annual Multi-trip policy?
Tap to read answer

The policy lasts for the complete 12 months, and you can take as many trips/holidays as you wish during the year. However, any individual trip or holiday must not last longer than 21 days. If a trip is for a longer period, you will need to purchase a Single Trip policy for that particular trip.

For an additional premium, you can opt for Winter Sports, Business or Golf cover (for a maximum of 21 days per year).

How to claim

  1. All claims must be notified within 28 days of your return on a policy claim form, accompanied by original invoices, receipts, reports, etc.
  2. Check your Certificate of Insurance and the appropriate Section of the policy to make sure that what you are claiming for is covered under your policy.
  3. Please refer to the relevant section of your policy for specific details about supporting evidence/documentation. We suggest that you retain copies of all documents when submitting your claim form, and that you use registered post.
  4. If you purchased on or after July 1 2015 (your policy number will start with “HCC”), call 0343 658 0206 or email us to get claims forms. Give your name, policy number and brief details of your claim.
  5. If you purchased before July 1 2015 (your policy number will start with “SOL”) go online, call 0343 658 0345 or email us for a claim form. For Single Trip policies, quote “14Q42.” For Annual policies, quote “14Q43.”


More about European Travel Insurance

Cover for your next European holiday

Whether your destination is a Greek island, a Spanish beach, French gîte or even a Norwegian fjord, Europe continues to be a favourite holiday destination for countless travellers every year.

But travel issues can still crop up, like flight delays, illnesses, cancellations, lost baggage and more. 

That's where European Travel Insurance steps in. It's an affordable way to ensure you – and your fellow travellers – are covered for your next European holiday.

Choose your cover level

Choose between four cover levels to get the policy that suits your needs, from basic Economy cover to comprehensive Premier PLUS protection.

All of our policies come with up to £10 million in cover for medical emergencies, and access to a 24/7 specialist medical emergency helpline. 

Think European Travel Insurance sounds like a smart choice? It only takes a minute to get a quote – why not start now?