European Travel Insurance

From just £3.84 per trip* or £27.95 annually**

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

  • Choose from 4 cover levels
  • Discounted rates for couples and families
  • 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
All 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?
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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?
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You will not be eligible for coverage if:

  • You’re 66 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 is my policy delivered?
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Your policy certificate will be emailed directly to your email address shortly after being issued. Please note that some Internet providers filter our automated emails as spam, so be sure to check your spam/junk folder if the email has not been received.

Are there different policies for single and multiple trips?
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Single Trip policies allow for trips up to 365 days in duration(except for trips within the UK, where the maximum duration is 91 days). Annual Multi-trip policies allow you to travel multiple times within one year, with maximum duration of 21 days for each individual trip you take. Upon payment of an appropriate additional premium, you can extend this to 31, 45 or 62 days per trip, by calling 0343 658 0253.

Am I covered if my plans change?
Tap to read answer

Yes – but if your travel arrangements change, then you must call us immediately on 0343 658 0253 to ensure that we are aware of the changes and can evaluate whether cover needs to be extended or any additional premium is required. You must be able to provide the correct period of insurance on your documentation in the event of a claim.

What if my bag is stolen with all my travel documents and money whilst I am travelling?
Tap to read answer

You must report any theft or losses to the local police or relevant authority within 24 hours of the event and obtain a written report or confirmation. These reports are the only proof that the loss/theft actually occurred. Without them, we cannot make any payment to you. If you leave luggage and personal items unattended in a public place then we won’t be able to approve your claim. See the key exclusions and conditions within the policy Terms and Conditions for more details.

How to claim

  1. In the event of a medical emergency while you are travelling, please call our medical emergency team at Healix International on +44 (0)343 658 0205 – this number is available 24 hours a day.
  2. All non-emergency claims must be made once you have returned from your trip and notified within 28 days of your return on a policy claim form, accompanied by original invoices, receipts, reports, etc. It is advisable to keep copies of all forms you submit to us.
  3. To make a claim, first 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.
  4. 4. Then call our dedicated claims team at Claims Settlement Agencies on 01702 553 443 or email


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?

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