European Travel Insurance

Travelling to Europe? Passport ready? Credit card and money safe? Travel insurance policy sorted? Unfortunately, too many Australians ignore the latter due to financial restrictions or an ‘it will never happen to me’ attitude. This could prove, for some, to be the most costly mistake they will ever make.

Tourism Australia in September 2012 stated that Australian residents spend 143 million nights away on international travel, with a large proportion of this being in Europe, and yet a third of these residents travel without adequate travel insurance or no travel insurance at all. This could lead to huge bills and potential financial disaster should illness, injury or even death occur.

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Europe Travel Insurance

Medical Travel Insurance

It just takes an unexpected accident or eating the wrong food to mean that medical treatment is required. Travellers who are not covered by insurance are personally liable for all medical expenses and associated costs such as medical evacuation and at worst, recovery of a deceased’s remains. With costs in the region of $10,000 for bringing home a loved one’s remains from Europe, it is easy to see why medical travel insurance is so important.

While Australia has reciprocal health agreements with the UK, Sweden, Finland, Italy and other European countries, which cover the cost of essential medical treatment for Australian residents travelling in these countries, these agreements are not designed to replace private travel health insurance. Consider cover that will pay for an emergency flight home, as reciprocal health agreements or Medicare does not cover this.  Also, bear in mind that existing medical conditions may be excluded or require an additional premium, as the cost of medication could prove expensive.

Other Insurable Events

Travel insurance can cover for events that may occur before travel as well as during a trip to Europe. Cancellation of flights, theft of personal items or valuables, losses of baggage or even baggage delay are all possible events that you may obtain insurance for. Also check whether cash cover and travel document cover is included.  Even a lengthy flight delay can be covered should accommodation be required during the delay, while a significant delay resulting in abandonment of the trip should result in some reimbursement.

Personal liability cover is another benefit that should be considered, as it can cover legal liability for accidental injury to a third party, or damage to or loss of their belongings, caused by you. Personal liability cover does not cover the insured for legal costs of pursuing a claim against a third party should they be injured by a third party.


Many enjoyable sporting activities are covered as standard through your travel insurance, but not all, so it is always best to check which ones are not covered prior to purchasing.

It is possible to find suitable cover to ensure that a trip may be enjoyed without worrying about potential problems. Your travel insurance company may provide policies to suit regular travellers, backpackers, and one-off holidaymakers too.
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Downunder Insurance Services Limited ABN 59 094 140 655 AFS License No 281478 arranges this insurance as agent for AWP Australia Pty Ltd ABN 52 097 227 177 AFS License No 245631 trading as Allianz Global Assistance. This insurance is issued and managed by Allianz Global Assistance on behalf of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS License No 234708. Terms, conditions and exclusions apply. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. You should consider the Product Disclosure Statement available on this website before making any decisions about this product. If you purchase a policy, Downunder Insurance Services Limited receives a commission which is a percentage of your premium — ask us for more information before we provide you with any services on this product.

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