Insurance for US Citizens when Traveling to Europe - ETIASEU.com (2024)

Insurance for US Citizens when Traveling to Europe - ETIASEU.com (1)

According to the U.S. National Travel and Tourism Office, in 2016, nearly 12 million Americans traveled to Europe that year. Europe continues to be a favorite destination for many Americans, who make about 5% of international tourist arrivals. Europe draws many people for its history, architecture, gastronomy, diverse cultures, and lively cities.

While travel is usually packed with excitement and curiosity, some people might worry about what could happen if they sick while on holiday in Europe. Most European countries offer high-quality medical care and a great number of doctors and nurses speak some English. Nearly all European nations have a universal health-care system and run at a national level. The systems are mostly publicly funded through taxation.

The European Union does not have a major administrative responsibility in the area of healthcare. However, the European Commission’s Directorate-General for Health and Consumers do seek to align national laws on food safety and other products.

An essential benefit of the universal healthcare is that everyone should be taken care of in an emergency or in case of sickness. Foreigners will receive proper assistance if they’re injured or get sick.

What Happens If I Get Sick While Traveling in Europe?

There are a few options available if you get sick while traveling in Europe. Depending on your symptoms or your injury, there are pharmacies that can diagnose and prescribe remedies for stomach problems, insomnia, blisters, headaches, muscle pain, cold symptoms, etc. The majority of cities have a 24-hour pharmacy. You can always check online for the nearest one to your accommodation.

For accidents or an emergency go to a hospital. The European Union’s universal emergency number is 112. If you are not experiencing an emergency but would like to see a doctor you can go to a clinic and talk to a receptionist about your issues and why you’d like to see a doctor. You will likely have to wait but will be seen by a doctor or physician.

Healthcare costs in Europe are not as extreme as they are in the United States. This is due to the set up of their system and the contributions of each member of society. With that said, it is advised that you purchase travel insurance or some sort of insurance that will cover your expenses in case you need medical attention.

If you need to pay for the attention received, you’re likely to be asked to pay out of pocket. In other cases, you might be asked to provide a billing address. Get a copy of your bill and all information given to you so that you can file a claim when you return to the U.S.

When traveling to Europe it is essential you have a valid passport. U.S. citizens can travel to European countries without applying for a visa. The EU will soon launch a travel authorization program, ETIAS, in order to screen travelers that wish to visit the Schengen Area. It is likely that from 2025, U.S. citizens will have to enroll online to obtain an ETIAS travel authorization for Europe.

Insurance for US Citizens when Traveling to Europe - ETIASEU.com (2024)

FAQs

What is the best travel insurance for Americans going to Europe? ›

The Best Europe Travel Insurance Companies
CompanyBBB RatingCOVID-19 Coverage
Nationwide Travel Insurance GTE QUOTEA+Yes, limited
Seven Corners Travel Insurance GET QUOTEA+Yes
Trawick International GET QUOTEBYes
Generali Global Assistance GET QUOTEA+Yes
4 more rows
May 6, 2024

Do US citizens need health insurance in Europe? ›

Travel insurance isn't required to visit Europe if you're an American citizen. However, some travelers are required to obtain a Schengen visa and medical travel insurance if they plan to visit any countries that are part of the Schengen Agreement, or stay in the area for more than 90 days.

What insurance do I need to go to Europe? ›

So while it makes sense to have a GHIC if you're travelling in Europe, travel insurance could give you more comprehensive cover. Europe travel insurance could also cover you for other mishaps, such as lost luggage and holiday cancellations, to give you peace of mind as you enjoy your holidays.

Do Americans need Schengen travel insurance? ›

Passport-holding American citizens do not need a Schengen visa or Schengen visa insurance. However, Americans traveling abroad should consider travel insurance that provides medical coverage and other valuable benefits.. Someone who must obtain a Schengen visa also must purchase Schengen visa insurance.

Will my US health insurance cover me in Europe? ›

U.S. health insurance plans typically do not cover regular and routine medical care required overseas. This means your health insurance won't pay for care if you need to visit a doctor for a prescription medicine, or if you need treatment for a condition that is not considered an emergency.

What is the best travel insurance for seniors? ›

Top 9 Best Senior Travel Insurance Companies of 2024
  • Faye: Our top pick for seniors.
  • Travelex: Our pick for families.
  • Berkshire Hathaway Travel Protection: Our pick for luxury travelers.
  • Nationwide Travel Insurance: Our pick for cruise travel.
  • Generali Global Assistance: Our pick for emergency assistance.
7 days ago

What happens if an American goes to the hospital in Europe? ›

Be aware that you will likely have to pay out of pocket for any medical treatment, even if your insurance company provides international health care coverage. A visit to the emergency room can be free or cost only a nominal fee, or it can be expensive, depending on where you are and what treatment you need.

Is Allianz travel insurance legit? ›

We at the MarketWatch Guides team awarded Allianz Travel Insurance 4.1 out of 5 stars based on our provider review methodology. Named our pick for concierge services, Allianz offers 24/7 travel assistance through a multilingual team, which can help policyholders with travel and coverage issues while abroad.

How much is medical insurance for a trip to Europe? ›

The average cost of travel insurance is between 5% and 10% of the total price of your trip. This can be worth it for the medical benefits alone when traveling in Europe. Travel insurance plans also typically include travel assistance, which can help if you get sick or injured in Europe.

Do I need extra insurance to travel to Europe? ›

While travel insurance for Europe isn't a legal requirement, it's still a good idea. It can ensure you're financially covered for things like cancelled flights, lost luggage or illness and injury while abroad.

Do I need extra health insurance to travel to Europe? ›

Getting Medical Insurance for Europe

Any international should mean a purchase of travel medical insurance. While traveling in Europe, your U.S. health plan (including Medicare) likely does pay for medical expenses like hospital bills, ambulance costs or doctor visits if you require medical attention.

Should I bring my health insurance card to Europe? ›

Understand what medical services your health insurance will cover overseas before traveling. Carry your insurance card and a claim form if your policy covers you outside the United States.

Do US citizens need travel insurance for France? ›

It is not mandatory to have travel insurance coverage to visit France — unless you are traveling from a country that requires a Schengen visa. U.S. citizens can enter France with a valid passport for up to 90 days, after which they must submit a visa application.

Do Americans need travel insurance to enter France? ›

Do Americans need travel insurance for France? Travel insurance is not a legal requirement for traveling to France unless you plan to stay for longer than 90 days, but it's highly recommended.

Is there a deductible for Schengen insurance? ›

Policy must have a $0 deductible with 100% Coverage. Policy must cover all 26 Member Countries.

What's the best international travel insurance? ›

The Best International Travel Insurance Providers in Detail
  • Faye. Our Top Pick. ...
  • Travelex. Our pick for families. ...
  • Nationwide Travel Insurance. Our pick for most coverage reimbursed. ...
  • Tin Leg. Our pick for customizable coverage. ...
  • Berkshire Hathaway Travel Protection. ...
  • Seven Corners Travel Insurance. ...
  • AIG Travel Guard.
6 days ago

What company is best for travel insurance? ›

The best travel insurance
  • Santander. Times Money Mentor award winning cover. ...
  • Saga. Best for over-50s. ...
  • Post Office. Best for those with pre-existing medical conditions. ...
  • Aviva. Best for those wanting substantial medical cover. ...
  • LV= Best for a range of unique add-ons. ...
  • Switched On. ...
  • Just Travel Cover* ...
  • InsureandGo*
May 9, 2024

Which health insurance is best for international travel? ›

Consider getting multiple travel insurance quotes through TravelInsurance.com to get an idea of the cost of coverage for your upcoming travel plans.
  • Allianz Travel Insurance: Best Overall.
  • AIG Travel Guard: Best for the Cost.
  • Generali Global Assistance: Best for Medical.

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