Travel insurance for Europe

No, U.S. passport holders don’t need a visa for short stays, up to 90 days within a 180-day period, in most European countries that are part of the Schengen Area. This includes popular destinations like France, Italy, Spain, Germany, and over 20 others.

However, starting in 2026, all Americans will need to apply for an ETIAS (European Travel Information and Authorization System) approval before traveling. It’s not a visa, but it will be mandatory for entry. The application is done online, takes just a few minutes, and costs about $7.70 USD. It’s valid for 3 years or until your passport expires, whichever comes first.

You must also make sure your passport is valid for at least 6 months beyond your arrival date and has blank pages for entry/exit stamps. If you overstay your 90-day limit, you could face fines, deportation, or a future ban.

If you plan to study, work, or stay longer than 90 days, you’ll need a visa from the specific country you’re visiting, this falls outside of Schengen rules. Always check the exact entry requirements before your trip.

Yes, overall Europe is safe. Violent crime is rare, but pickpocketing and scams are common in tourist-heavy areas like Paris, Rome, and Barcelona. Use anti-theft bags, avoid flashing valuables, and stay aware in crowds.

As of July 2025, the U.S. State Department has issued Level 2 travel advisories, "Exercise Increased Caution", for several European countries due to terrorism risks. These advisories indicate that terrorist attacks may occur with little or no warning, targeting public places frequented by tourists. Check travel.state.gov before you go.

Yes, it’s highly recommended. Most European countries have universal healthcare systems that cover their own citizens and residents through national insurance programs. Since U.S. travelers aren’t part of those systems, you're expected to pay for medical services out of pocket unless you have travel health insurance.

Without coverage, even a routine doctor visit or emergency room trip can be expensive. Hospital stays, ambulance services, or emergency medical evacuation could cost thousands.

Also, pack any prescription medications you need and bring a copy of your prescription.

If you get sick while traveling in Europe, you can access care in both public and private medical facilities. Here's how to handle it:

For minor issues:

• Visit a local pharmacy first. European pharmacists are highly trained and can often recommend over-the-counter treatments or refer you to a doctor if needed.
• For non-emergency issues (like flu, infections, or minor injuries), look for a walk-in clinic or private medical center. Many cater to tourists and offer services in English.

For emergencies:

• Dial 112, the EU-wide emergency number, for ambulance, police, or fire.
• You’ll be taken to the nearest hospital. Emergency care is typically provided regardless of your nationality, but you’ll be billed afterward.

Billing:

• You may need to pay upfront if you're uninsured, especially at private clinics.
• With travel health insurance, many providers can arrange direct billing, or you’ll submit a claim later for reimbursement.

What to carry:

• A copy of your travel insurance policy and emergency contact number.
• Your passport or ID.
• A list of medications you take and any relevant medical conditions.

Knowing the local word for “doctor” or “hospital” and using a translation app can also help in smaller towns where English isn't widely spoken.

If you need to contact your insurance company from Europe, you simply have to call the 24-hour assistance platform. Through the exclusive app for clients, you can make free calls if you have an internet connection, chat with the medical team, or process any other incidents that occur during your trip (transport delays, baggage issues, etc.) right from the palm of your hand.