Travel Insurance for Europe

Experience what Europe has to offer knowing you’re insured2

Soak up the sun on a Croatian beach or cruise the Amalfi coast of Italy. Hike through Scotland or ride bicycles in the Netherlands. Europe is the perfect holiday destination, filled with choice.

Wherever you choose to explore, consider the choice of Travel Insurance that is designed to cover overseas emergency assistance and overseas medical and hospital expenses.2

COVID-19 benefits
We offer travel insurance options that include COVID-19 benefits for things like trip cancellation and overseas medical and hospital expenses if you contract COVID-191 during your period of cover.
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Join over 4 million customers who choose Allianz Australia
This is a limited summary of some of our Travel Insurance plans only. Terms, conditions, exclusions, limits and applicable sub-limits apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS).
Our plan for just the essentials for a single return overseas trip
  • Overseas Emergency Assistance2
  • Overseas Medical & Hospital Expenses2
  • Personal Liability2
Our highest level of cover for a single return trip outside of Australia2
  • Overseas emergency assistance, medical and hospital expenses2
  • Unexpected trip cancellation2
  • Loss of or damage to luggage and personal effects3,4
Designed for those who travel often2
  • Overseas emergency assistance, medical and hospital expenses2
  • Unexpected trip cancellation2
  • Loss of or damage to luggage and personal effects3,4
Some key things to consider to stay safe on your travels.
Pickpockets are a risk in the major cities, especially around rail and bus transport hubs, major attractions and other crowded places. Beware of petty theft, minor crime and scams. Only carry as much cash as you need, and have hardcopy and electronic copies of your travel documents (or store them safely at your accommodation).
Natural disasters caused by harsh weather conditions such as snowstorms, gales, floods and heat waves can affect your travel plans. Refer to Smartraveller for current travel alerts affecting Europe before you buy a policy, before you leave Australia, and during your travels.

Even if travel insurance isn’t mandatory for your destination, travel insurance for Europe can be a great decision in case something goes wrong on your trip. Travel insurance is an important consideration for unexpected medical bills and hospitalisation.

Other unforeseen expenses could include the replacement of lost or stolen luggage, delays or cancellations to your trip. Allianz Comprehensive Travel Insurance offers optional Increased Item Limits cover for loss of higher value personal effects and luggage, Adventure Packs, and more at an additional cost2.

If your rental vehicle is involved in an accident while it’s being driven by you and you’re the nominated driver, or it’s damaged or stolen while in your custody, we’ll pay you the lesser of (up to your benefit limit)2:

  • the amount specified that you’re liable to pay under the rental vehicle agreement, or
  • the property damage for which you’re liable.

If you’re diagnosed by the treating medical adviser as unfit to return your rental vehicle to the nearest depot, we’ll pay the cost of returning the vehicle (up to the applicable benefit limit).

Note: This cover only applies if:

  • you hire a rental vehicle from a rental company or agency;
  • you’re a nominated driver on the rental vehicle agreement; and
  • the rental vehicle agreement specifies a maximum amount that you must pay if the rental vehicle is damaged or stolen. 
If your trip involves a cruising element, consider buying a Cruise Pack for an additional premium, which may be added to Comprehensive or Multi-Trip Travel Insurance. It’s designed to include Medical Cover while cruising, Ship to Shore Evacuation Cover, Cabin Confinement, and a range of other items2.

Some activities are included under a Basic, Comprehensive or Multi-Trip policy, but for activities like riding a moped, tandem parachuting and abseiling, consider buying an Adventure Pack for an additional premium2,5.

If you’re going to hit the slopes, you may wish to consider buying an optional Snow Pack to a Comprehensive or Multi-Trip Travel Insurance policy for an additional premium2,5.

Read the Product Disclosure Statement (PDS) for a full list of sports and activities automatically included, as well as what activities the Adventure Pack is designed to cover.

Maybe you want to spend a gap year backpacking your way across Europe or you simply have an abundance of time on your hands. You can get Basic or Comprehensive Travel Insurance for up to 12 months, subject to eligibility criteria2. When buying your policy, your journey must start and end in Australia, and you must declare your departure and return dates.
If you regularly travel to Europe in one year, you can buy a Multi-Trip Travel Insurance policy, which is designed to cover multiple trips over a 12-month period. You organise one policy and pay the one premium for all trips from Australia – to Europe or other countries and return2 – for a year. Just choose what your longest trip duration will be (choose from 15, 30 or 45 days).

A Comprehensive Travel Insurance policy for Europe is designed to cover you for theft, loss or damage to luggage, personal effects and valuables2. The sub-limit for a camera, lenses, tripod, and accessories is up to $3,0002. If your equipment is valued at more than that, consider buying Increased Item Limits Cover for an additional premium when you buy your policy.4

Refer to Increased Item Limits Cover section of the Product Disclosure Statement (PDS) for more information.

  1. Policy terms, conditions, exclusions, limits and applicable sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic.

    However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the PDS to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.
  2. Terms, conditions, exclusions, limits and applicable sub-limits apply. Eligibility criteria may also apply. Refer to the PDS for full details.
  3. Terms, conditions, exclusions, limits and applicable sub-limits apply, refer to Luggage, Personal Effects & Valuables and General Exclusions sections of the Product Disclosure Statement for full details.
  4. The maximum we’ll pay for all claims combined under the Luggage, Personal Effects & Valuables benefit is the benefit limit shown in the Table of Benefits in the PDS for the plan you’ve selected, even if you’ve bought Increased Item Limits cover.
  5. You won’t have cover under Permanent Disability and Personal Liability benefits for any claims arising from your participation in any of the activities listed under Adventure Pack or your participation in snow sport activities, even if you’ve bought a Snow Pack or an Adventure Pack. If you choose a plan that includes this benefit, you won’t have cover under the benefit if you’re travelling in Australia.
Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.

Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.