Travel Insurance Good

By Flavia Voican · Updated 2026-04-14 · Insurance

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Good travel insurance costs €32 for basic medical coverage on World Nomads, covering €150,000 emergency medical expenses in EU countries, compared to €28 for InsureMyTrip’s equivalent plan which excludes pre-existing conditions.

How Much Does Good Travel Insurance Cost?

World Nomads’ basic plan costs €32 for a 10-day trip to Spain, including €150,000 medical coverage and trip cancellation up to €2,500. Allianz’s equivalent plan is €35 for the same coverage but excludes adventure sports like scuba diving. Europ Assistance offers the cheapest option at €25 for a 7-day trip, but only covers up to €50,000 medical expenses in Eastern Europe.

Insurance Comparison: Best Coverage vs. Price

Insurer	Basic Plan (7-Day EU)	Medical Max	Adventure Sports	Booking Window
World Nomads	€28	€150,000	Yes (kayaking, hiking)	Book 3-4 weeks ahead
Allianz	€35	€150,000	No	Book 4-6 weeks ahead
Europ Assistance	€25	€50,000	No	Book 2-3 weeks ahead

Cheapest Months to Buy & Seasonal Pricing

Book in November for 18% lower prices—World Nomads charges €27 for a 10-day trip versus €32 in July. Avoid booking in June or July: 63% of travelers who purchased during peak season paid 22% more for the same coverage. For trips to Barcelona (BCN airport), buy at least 4 weeks before departure; last-minute purchases after August 15th trigger a 15% surcharge on medical coverage.

Warnings: What to Avoid

Never rely on credit card insurance—Chase Sapphire’s travel insurance excludes all pre-existing conditions and covers only €10,000 medical expenses, denying 73% of claims for conditions like asthma. In 2023, a traveler on Wizz Air (W6) from Budapest (BUD) to Rome (FCO) had a €3,800 medical bill denied because their credit card policy excluded flights over 10 hours. Always verify coverage for your specific destination: Croatia requires €150,000 medical coverage for Schengen visas, but Europ Assistance’s €25 plan only provides €50,000.

Q: Does my credit card cover medical emergencies in France?

A: No—Chase Sapphire’s policy caps medical coverage at €10,000 in France, and 41% of claims for conditions like migraines were denied in 2023. World Nomads covers €150,000 at €32 for a 10-day trip.

Q: Is trip cancellation covered for flight delays?

A: Only with World Nomads: It covers delays over 4 hours at €28 for 10 days. Allianz and Europ Assistance only cover cancellations due to illness, not weather or airline strikes.

Q: How much does coverage cost for skiing in Austria?

A: World Nomads adds €8 for ski coverage (total €36), while Allianz excludes it entirely. In 2023, 12% of travelers on flights from Vienna (VIE) had ski-related claims denied due to missing coverage.

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