Travel Insurance Guide 2026

Compare the best travel insurance providers. Coverage from €0.80/day. Medical, cancellation, and repatriation coverage.

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1 day6 months1 year

Estimated Price

8.40 total

1.20/day

* Estimates only. Actual prices vary by provider, medical history, and specific policy terms.

Top 5 Travel Insurance Providers 2026

ProviderClaims RatingMedical LimitCancellationPriceBest For
ERV92%Unlimited€10,000€1.50/dayBest Overall
HanseMerkur89%€1,000,000€5,000€1.20/dayBest Value
ADAC88%€1,000,000€8,000€1.10/dayBest for Families
Allianz87%€1,000,000€15,000€1.80/dayPremium
CosmosDirect84%€500,000€3,000€0.80/dayBudget Pick

ERVBest Overall

  • Unlimited medical
  • Pandemic coverage
  • Digital claims
  • 24/7 multilingual support

HanseMerkurBest Value

  • Great value
  • Annual multi-trip €65
  • Strong claims process
  • Europe-wide coverage

ADACBest for Families

  • Family policies (7 people)
  • Roadside assistance included
  • Worldwide repatriation
  • 90-day trip limit

AllianzPremium

  • AllRisk cancellation
  • Up to €15,000 cancellation
  • Highest baggage limits
  • Business travel coverage

CosmosDirectBudget Pick

  • Lowest price
  • No deductible on medical
  • Simple online process
  • Quick claims

Expert Tips for Choosing Travel Insurance

1. Minimum Medical Coverage: €1,000,000

Medical costs in the US can exceed $10,000/day. Always choose at least €1,000,000 in medical coverage. For US travel, unlimited is best.

2. Repatriation Is Non-Negotiable

Medical repatriation by air ambulance can cost €20,000-50,000. Ensure your policy includes unlimited repatriation.

3. Declare Pre-Existing Conditions

Withholding medical history gives insurers grounds to deny claims. Declare everything — it's cheaper than a denied €10,000 claim.

4. Check Activity Exclusions

Skiing, diving, and hiking above 2,000m are often excluded. Verify your planned activities are covered or add a rider.

5. Annual Policies Save Money (3+ Trips)

If you travel 3+ times per year, an annual multi-trip policy (from €65/year) is cheaper than individual policies.

Travel Safe. Travel Insured.

Get protected from €0.80/day. Compare providers and find your perfect policy.

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