european travel insurance post office

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Travel Insurance for Europe: 4 Best Options for 2024

Allianz Travel Insurance »

Travelex Insurance Services »

Generali Global Assistance »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Europe.

Table of Contents

• Allianz Travel Insurance
• Travelex Insurance Services

You almost certainly will want travel insurance for Europe, mostly because the high cost for international trips is worth protecting against travel delays and trip cancellations. Since your U.S. medical coverage will not apply overseas, you also need international health insurance that covers surprise medical expenses and medical evacuation.

If you're searching for the best Europe travel insurance that money can buy, consider the following plans and all they have to offer.

Frequently Asked Questions

Most people need travel health insurance at a bare minimum when traveling to European destinations like France, Italy or Switzerland, as well as additional countries inside and outside of the Schengen area. After all, U.S. health insurance plans do not provide coverage for medical emergencies overseas, and the same is true for government health plans like Medicare. Check out our article on whether your health insurance covers international travel .

Other benefits built into Europe travel insurance plans can also protect the money that's been spent on airfare, hotel stays, Europe cruises and tours. For example, travelers can benefit from having coverage for trip cancellation, trip delays, lost or delayed baggage, and more.

Every travel insurance policy is unique, so you'll want to read over individual travel insurance plans to see what they protect against. That said, the bulk of travel insurance plans for trips to Europe provide the following coverages:

• Trip cancellation
• Trip interruption
• Travel delays
• Lost luggage reimbursement
• Baggage delay coverage
• Medical expenses
• Emergency medical evacuation
• Rental car damage

Some travel insurance plans also offer additional or optional coverage for sports equipment or sports equipment delays, missed connections, accidental death and dismemberment (AD&D), adventure sports and more.

Some visitors to countries in the Schengen area are required to have a visa for short stays that can last for up to 90 days within a timeline of up to 180 days. However, this is not the case for American citizens, who can stay in Europe for up to 90 days at a time without meeting specific visa requirements.

The U.S. Department of State also notes that American citizens who want to stay in Europe for more than 90 days should reach out to the country they plan on visiting to inquire about their visa process.

If you live in a country that requires a Schengen visa, you are required to purchase Schengen visa insurance that pays for overseas medical expenses. This coverage must provide at least 30,000 euros in protection against medical expenses that result from hospitalization, emergency treatment and repatriation of remains in the case of accident or death.

• Allianz Travel Insurance: Best Overall
• Travelex Insurance Services: Best Cost
• Generali Global Assistance: Best for Medical Emergencies
• WorldTrips: Best for Groups

Optional cancel for any reason (CFAR) and preexisting medical conditions coverage available

Kids 17 and younger covered for free

Lower coverage amount for medical expenses than some providers

• $100,000 per traveler in coverage for trip cancellation
• $150,000 per traveler in coverage for trip interruptions
• $500 in coverage for eligible trip changes
• $50,000 in emergency medical coverage
• $500,000 for emergency medical transportation
• $1,000 toward baggage loss or damage
• $300 in coverage for baggage delays of 12 hours or more
• $800 in protection for travel delays (daily limit of $200 applies)
• $100 per insured person per day in SmartBenefits coverage for eligible delays
• 24-hour hotline assistance
• Concierge services

Optional CFAR and preexisting medical conditions coverages available

Kids 17 and younger are covered for free

Many coverages cost extra

• 100% of trip cost for trip cancellation (up to $50,000)
• 150% of trip cost for trip interruption (up to $75,000)
• $2,000 in coverage for trip delays of five hours or longer
• $750 in coverage for missed connections
• $50,000 in coverage for emergency medical expenses ($500 dental sublimit included)
• $500,000 in coverage for emergency medical evacuation and repatriation
• $1,000 in coverage for baggage and personal effects
• $200 for baggage delays of 12 hours or longer
• $200 for sporting equipment delays of 24 hours or longer
• $25,000 for accidental death and dismemberment coverage
• 24/7 travel assistance
• 100% of the insured trip cost for financial default of a travel provider (maximum of $50,000)
• Trip cancellation and interruption coverage for preexisting medical conditions (maximum of $50,000)
• Cancel for work reasons coverage
• CFAR insurance
• Car rental coverage worth up to $35,000
• $50,000 in additional emergency medical coverage
• $500,000 in additional coverage for emergency medical evacuation and repatriation
• Adventure sports exclusions waiver
• $200,000 in coverage for flight accidental death and dismemberment

CFAR and preexisting medical conditions coverages available

High coverage limits for medical expenses and evacuation

CFAR coverage only reimburses at 60%

• $1,000,000 coverage limit for emergency medical evacuation and transportation
• $250,000 coverage limit for medical expenses ($500 limit for dental emergencies)
• 100% of trip cost for trip cancellation
• 175% of trip cost for trip interruption
• $1,000 per person for travel delays ($300 per person daily limit applies)
• $2,000 per person in coverage for baggage and $500 for baggage delays
• $2,000 per person in coverage for sporting equipment and $500 for sporting equipment delays
• $1,000 per person in coverage for missed connections
• Air flight accident AD&D coverage worth $100,000 per person and $200,000 per plan
• Travel accident AD&D coverage worth $50,000 per person and $100,000 per plan
• $25,000 in coverage for rental cars
• 24-hour travel support

Discounts for groups of five or more

Potential for high coverage limits for medical expenses

No coverage for trip cancellation

Available coverage limits vary by age

• $5,000 for local burial or cremation
• Up to $25,000 in AD&D coverage
• $100,000 in coverage for emergency reunions
• $10,000 in coverage for trip interruption
• $1,000 for lost checked luggage
• $100 in coverage for lost or stolen passports or visas
• $100 in coverage per day for travel delays of at least 12 hours (two days of coverage maximum)
• Up to $25,000 in personal liability coverage

Why Trust U.S. News Travel

Holly Johnson is a travel writer who has created content about travel insurance, family travel, cruises, all-inclusive resorts and more for over a decade. She has visited more than 50 countries around the world and has an annual travel insurance plan of her own. Johnson also has experience navigating the claims process for travel insurance plans and has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson works with her husband, Greg, who is licensed to sell travel insurance and owns the travel agency Travel Blue Book .

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Your Complete Guide to Post Office Travel Insurance

Whether you’re planning a dream vacation abroad or simply visiting family in the country, unexpected events such as lost luggage, flight delays, or medical emergencies can ruin your trip. Comprehensive travel insurance can provide peace of mind and financial protection in the event that something goes wrong. In the United Kingdom, the Post Office provides competitively priced travel insurance policies that can be purchased online or in person. This article will explain what Post Office travel insurance offers, what it covers, how much it costs, how to purchase it, and whether it’s the best option for your next trip.

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What is the Post Office’s Travel Insurance?

Post Office travel insurance offers financial protection and assistance to UK residents before and during domestic and international trips. It covers the costs of emergency medical care, trip cancellations or delays, lost or stolen items, and other travel-related incidents. The Post Office collaborates with an established insurance provider to provide four levels of coverage based on trip duration:

• Single trip coverage for holidays of up to 120 days.
• Annual multi-trip coverage includes unlimited trips of 31 days or less.
• Long-term coverage for trips lasting between 31 and 550 days.
• Backpacker cover for extended trips up to 550 days for travelers aged 50 or younger.

The Post Office travel insurance plans are designed to be affordable while still providing adequate protection for the majority of holiday scenarios. Certain hazardous sports and activities may necessitate additional coverage for full protection.

What Does the Post Office Travel Insurance Cover?

Post Office travel insurance covers several standard categories with varying benefit limits depending on the plan selected. Here are a few of the main topics covered:

• Emergency Medical Expenses – Provides coverage for hospitalization, surgery, ambulances, prescriptions, and other medical expenses if you become injured or ill while traveling. This is the most important coverage to have internationally, where high healthcare costs are common.
• Cancellation or Curtailment – Reimburses prepaid travel expenses such as flights and hotels if you must cancel or shorten your trip due to illness, injury, death in the family, or other covered reasons. Allows you to recoup some of your lost money.
• Delayed or Missed Departure – Provides benefit payments if your travel is delayed for more than a specified number of hours due to covered reasons such as severe weather, strikes, equipment failure, or public transit delays beyond your control. Missed departure also includes additional transportation/lodging costs incurred as a result of issues that prevented you from arriving at the departure point on time.
• Personal Possessions and Baggage – Covers the cost of repairing or replacing items lost, stolen, or damaged while traveling, up to the specified item and benefit limits. Covers items such as luggage, clothing, jewelry, electronics, phones, valuables, and more, with some exceptions.
• Personal Money – Replaces stolen or lost cash, traveler’s checks, or money orders that were directly caused by a burglary, mugging, or robbery while on the trip. Provides additional security when carrying money for vacation purposes.
• Personal Accident – Provides a lump sum cash benefit if you die or lose limbs or sight as a result of an accident while traveling. Helps to mitigate tragedy during trips.
• Personal liability insurance covers legal fees and compensation if you cause accidental injuries to others or damage to their property while on a trip. Protects against third-party liability claims.
• Legal Expenses – Pays for legal consultation fees if you need to file compensation or damages claims against third-parties for events like: injuries/death of insured, hospitality contractual disputes like hotel/restaurant/car rental, issues around property damage/loss, or wrongful arrests during travels.

Aside from the core coverage sections above, Post Office policies may include additional benefits such as:

• Scheduled airline failure coverage
• Hijacking protection
• Pet Care Fees
• Home emergency reimbursement.
• Hospital Benefit Payments
• Golf Equipment Cover
• Replacement driver coverage.

The Post Office travel insurance aims to provide comprehensive protection suitable for the majority of common holiday scenarios. However, additional modules may be required for full coverage of certain high-risk activities.

How Much does Post Office Travel Insurance Cost?

As a general guideline, Post Office travel insurance costs around £9 for single-trip European coverage and up to £72 for worldwide coverage on longer annual multi-trip policies. However, costs can increase significantly when you consider:

• Worldwide coverage typically costs 50-100% more than European-only cover.
• Annual multi-trip policies are more costly than single trip coverages.
• Longer trip durations raise premiums.
• Older travelers pay higher than younger travelers.
• Adding additional modules increases costs.
• Pre-existing medical conditions incur significant costs.

To help estimate pricing more accurately, get an instant online quote based on your trip details and options. Prices vary greatly based on individual circumstances, so customized quotes provide the most accurate premium estimates.

Generally, Post Office travel insurance costs are very competitive in the UK market. The cost is reasonable when compared to similar plans from Provident Insurance, Swinton, LV, Saga, and other major providers. Those with pre-existing conditions can also compare quotes from insurers that specialize in high-risk cases, such as Freedom Insurance, InsuranceWith, and Staysure. In most cases, the Post Office plans provide comprehensive coverage at a reasonable cost.

How to Purchase Post Office Travel Insurance.

Purchasing Post Office travel insurance takes only a few minutes online or at a local Post Office branch.

Online Purchasing Process:

• Visit: www.postoffice.co.uk/travel-insurance.
• Click the “Start Quote” button.
• Answer basic travel questions.
• View quote and customize cover.
• Enter personal/medical information.
• Pay securely online with your card.

The online process is quick and easy, allowing you to purchase appropriate coverage 24/7 based on your specific travel plans.

In-Branch Purchasing Process:

• Visit the local Post Office branch.
• Discuss your needs with the staff.
• Select a suitable cover option.
• Complete the application form.
• Pay policy premium at the counter.

Purchasing cover in-branch allows you to discuss your specific needs with knowledgeable staff. They can recommend comprehensive products that are tailored to your specific trip needs.

Regardless of how you choose to purchase, the Post Office travel insurance plans provide dependable coverage for your travels at competitive rates. Their recommendation status from Defaqto, an independent researcher, adds to their quality coverage offering, which is suitable for the majority of holiday scenarios.

Is Post Office Travel Insurance right for you?

Finally, determining whether Post Office travel insurance fits your needs is based on a few key factors:

• Does your trip require global or European coverage?
• Is your trip duration appropriate for single, multi-trip, or long-stay policy structures?
• Does the included coverage have sufficient benefit limits for your risk tolerance?
• Can you cover any pre-existing medical conditions at a reasonable additional cost if necessary?

Does the price fit within your insurance budget?

If you can answer “yes” to these questions and obtain a suitable quote, Post Office travel insurance will most likely meet your protection requirements!

Many UK residents who plan regular vacations within Europe or elsewhere find that the Post Office travel insurance plans meet all of their needs. The coverage is comprehensive but reasonably priced, and it is backed up by a well-established national insurance partner.

Ultimately, obtaining travel insurance should relieve stress rather than add to it. Travellers can now enjoy peace of mind by purchasing quality coverage online or at trusted local Post Office branches, allowing them to focus on making the most of their upcoming adventures!

Getting caught without insurance while traveling can have disastrous financial consequences from minor mishaps. Post Office travel insurance provides strong UK-based protection, allowing you to explore the world with confidence. Their policies provide comprehensive coverage at reasonable prices for holidays of varying lengths and destinations. Understanding what Post Office insurance includes and excludes will allow you to determine whether it meets your needs before embarking on your next journey. The simple online quoting and purchasing process makes obtaining coverage an easy decision that adds security rather than hassles to your upcoming travel plans. 

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What Countries are included in European Travel Insurance?

What countries are included in European travel insurance?

When it comes to buying travel insurance for multiple countries in Europe, what does 'Europe' actually mean? 

Perhaps your wondering is Iceland included in travel insurance for Europe? What about Egypt?

Here we’ll explain which countries are included in European travel insurance – As well as take a look as to why it is important to have this travel insurance cover in place for your trip to Europe.

European travel insurance: what countries does it cover?

When it comes to travel insurance for Europe, the countries included in Europe vary between insurers, and sometimes it is quite loosely applied to include countries not always considered part of Europe.

In general, for travel insurance to Europe the entirety of the European Union is included, along with:

• Faroe Islands
• Liechtenstein
• Switzerland

This means that if you require Schengen travel insurance, you will likely find that a European travel insurance policy will cover you for your trip.

For various political and economic reasons, these countries have not joined the EU, but are still regarded as ‘European' by many insurers.

Equally, many would-be holidaymakers searching for ‘EU travel insurance' may in fact be looking for cover for non-EU countries.

Turkey in Europe? Is Turkey in Europe for travel insurance?

As outlined above while Turkey - a country that borders Syria and Iraq to the east - and has only  3% of its landmass in Europe  – it is considered as Europe in the case of travel insurance.

Great news for those of you visiting Turkey and planning a trip to Istanbul , a stay of the amazing Turkish Riviera , hot air ballooning in Cappadocia, or looking to embrace any of the other amazing destinations that Turkey has to offer.

Whilst this revelation that Turkey travel insurance is covered under Europe may be eye-opening enough, there are other nations that are also sometimes considered part of Europe as regards travel insurance, which you might otherwise expect not to be:

European holiday insurance for Africa?

Yes, that’s correct, travel insurance for Morocco, travel insurance for Tunisia and travel insurance for Egypt will often be categorised within European travel insurance cover.

While the above destinations are technically in the African continent, for various complex reasons they are sometimes thought of (or consider themselves to be): ‘north Africans'; closer culturally to the Middle East; and/or closer to Europe (e.g. Morocco is an associate EU member).

Is Cape Verde in Europe for travel insurance?

Unlike travel insurance for Turkey, Morocco and Egypt, which are often included under European travel insurance policies, Cape Verde isn’t normally covered within travel insurance policies for Europe.

What travel insurance do I need for Cape Verde?

For Cape Verde travel insurance, you will normally be required to purchase a travel insurance policy that covers worldwide travel.

Interrail and European Interrail travel insurance

Interrail - something of a European institution - is an interesting example of how the notion of Europe is blurred: Turkey is an Interrail member, Morocco used to be, but Ukraine is not.

Offering an alternative to flying, an Interail pass will give you the freedom to discover over 40,000 destinations in 33 countries, providing a great way to travel Europe.

If you are intending to use an Interrail pass to explore Europe, a travel insurance policy from starttravel.co.uk will provide you with the assurance that you have Interrail insurance cover for delays, cancellations and missed departures as well as a host of other travel insurance policy benefits.  

To find the best travel insurance for your interrail journey, get a quote online today.

European travel insurance from Start Travel

Geographically speaking, Start Travel's European travel insurance coverage is comprehensive.

Along with all the ‘common' Europe destinations, we are able to cover trips to Morocco and Tunisia, and travel to Turkey, although these may be grouped into ‘Europe 1' or ‘Europe 2'. See the countries we cover here .

Carefully read the terms and conditions of your Europe / EU travel policy

It's important not to assume you are covered for travelling in any particular country, so be sure to read your policy document/terms and conditions carefully.

Travel insurance for Europe: What’s covered?

Travel insurance policies for Europe from Start Travel cover you for a range of scenarios:

• Emergency medical treatment and repatriation expenses
• Cancellation
• Curtailment and loss of holiday
• Personal accident
• Personal belongings
• Personal money
• Passport and other documents
• Missed departure
• Personal liability

The maximum level of cover provided will depend on the level of cover that you opt for.

In most instances, we are also able to cover you for your trip to Europe if you have pre-existing medical conditions .

What is the best policy if I travel to Europe often?

Looking for travel insurance to Europe from the UK?

If you plan on visiting Europe several times a year, then you'll benefit from annual travel insurance for multiple countries in Europe; known as a multi-trip or annual European travel insurance policy - instead of a single-trip policy .

This is likely to save you time and hassle because you don't have to arrange travel cover every time you leave the UK. It is also likely to be considerably cheaper than if you bought single trip policies.

It has also been argued that buying an annual or multi-trip travel policy from a travel insurance company might protect you from price surges in single trip policies.

However, here at Start Travel we're committed to providing affordable travel insurance for single trip and annual customers.

Do I need travel insurance for Europe?

For those on a budget, or with a mind to save money, the question: Do I need travel insurance for Europe? - may arise.

This is perhaps understandable - but it's not worth the risk.

While many popular European destinations are only two or three hours away from the UK, it's critical to take out adequate travel insurance for your trip.

Things can and do go wrong for UK travellers every day.

Even if you're young, fit and healthy, unexpected events can happen: for example, poor driving, unsatisfactory food hygiene and petty crime may be more common in some countries compared to the UK.

But let's talk specifics. What are you most likely to claim for while visiting Europe?

The most common reasons to claim on travel insurance are:

Trip cancellation or abandonment

There are many reasons why you might need to abandon your holiday, from burst pipes to family illnesses.

Without adequate insurance, you would be paying for a holiday you never took.

But with the right cover, you'll get compensated, so you can book another break later on.

According to one survey by Expedia in 2018 , UK families spend an average of £4,800 on each overseas break. Most data suggests over a third of out-of-country travel insurance claims relate to trip cancellation/abandonment. 

Medical expenses

Around a third of claims relate to medical costs.

If you fall ill or get injured while in Europe and require emergency assistance, you could face large medical bills if you're not covered, or if you do not have a valid Global Health Insurance Card (GHIC), the replacement for EHIC (European Health Insurance Card) for UK citizens, post-Brexit.

It is important to ensure that you have informed your travel insurance provider of any pre-existing medical conditions.

If you need to make a medical claim while overseas and you have not informed your insurer of any pre-existing condition, it may invalidate you your cover.

What is a GHIC Card?

The GHIC ensures you'll receive free or discounted state medical care in the event of a medical emergency (this is reciprocated if a national of that country falls ill in the UK).

But it's worth noting that the GHIC won't cover you for non life-threatening injuries.

Covid-19 Protect

If you are travelling to Europe, it is also possible to add our additional Covid-19 Protect cover to your travel insurance, which offers even greater levels of cover for even greater peace of mind for your European trip.

Loss of money or possessions

It's understandable that people on holiday let their guard down occasionally - but it can mean an increased risk of losing money or possessions.

In some mainland European cities pickpocketing is more common than in the UK - and many perpetrators can spot a tourist a mile off. But such events don't need to ruin your holiday.

A good insurer will reimburse you for lost/stolen baggage, possessions and gadgets.

If you do happen to find yourself stranded abroad with no money, here’s what to do .

Travel delay and missed departure

Another common problem is travel delays or missed departures.

Being unable to make a flight or a train journey - perhaps because of public transport failures or adverse weather conditions - can be hugely costly (especially at the last minute).

But with a good travel insurance policy , you'll be able to get the extra costs recouped.

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Travel Insurance for Europe

Whether you fancy a city break filled with romance in Paris, a visit to the beautiful beaches of the Canary Islands or you want to witness the majestic beauty of the Northern Lights, Europe has a destination for almost every type of holiday.

While holidays to France are all about culture and great food, trips to Iceland allow you to see Europe’s wilderness and wildlife at its beautiful best. Alternatively, you can take a trip as far away as Russia, and learn more about the country’s history or be mesmerised by the beauty of Red Square. If you’d rather shop until you drop, try Milan’s gorgeous designer boutiques.

With so much choice, it can be hard to pick just one destination, which is why interrailing has become so popular. You can leave with your backpack and explore everything this beautiful continent has to offer on one trip. If you’re taking an extended break in Europe, then our  Backpacker  insurance could be a good fit.

Below is some more information about our insurance products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

Why do you need travel insurance for Europe?

You may think that travel insurance isn’t as important when you’re staying closer to home, but the truth is, things can still go wrong.

For example, your flight might be cancelled, your luggage may be lost, or your valuables could be stolen by pickpockets at busy tourist attractions. Thankfully, travel insurance for Europe can help protect you against these risks and more. Accidents can happen wherever you are but, with European travel insurance, you’ll have peace of mind knowing that you’re protected if something doesn’t go to plan. 

What's covered?

We offer three types of holiday insurance for Europe: Single Trip , Annual and Backpacker .

Our Single Trip travel insurance for Europe covers you for a maximum of 180 days at any one time. But, if you’re planning on going away more than once this year, then our Annual travel insurance for Europe may be a better fit. It covers you for an unlimited number of trips, up to 31 days in duration over a 12-month period. Alternatively, if you’re aged 50 or under and you’re travelling across Europe to a number of destinations as part of a career break or a gap year, then you could find that our Backpacker insurance is a better option.  

Across our Single Trip and Annual policies, we also offer three different levels of cover: Bronze, Silver and Gold. These have different payment limits and excess amounts.

With our travel insurance for Europe, you can be protected against: 

• Cancelling or curtailing your trip
• Emergency medical and associated expenses
• Loss of passport*
• Delayed personal possessions
• Lost, stolen or damaged personal possessions*
• Loss of personal money*
• Personal accident cover
• Missed departures
• Delayed departures
• Personal liability
• Legal expenses
• End-supplier failure**
• *Not available with Bronze level cover
• **Only available with Gold level cover
• Terms and Conditions apply.  

If you have any activities planned, you can also choose to purchase additional cover. If you’re planning on skiing in the picturesque Val-d'Isère, then our Winter Sports and Ski add-on can protect you against things like piste closure and lost ski equipment. 

To understand exactly what you're covered for and to find out whether any exclusions apply, please read your policy documents . If you have any questions about your policy, please get in touch with us.

Frequently Asked Questions

Our European travel insurance covers all of Europe* and some destinations outside mainland Europe, such as Morocco. Countries covered by our European travel insurance include:

• Continental Europe
• Islands in the Mediterranean
• The Channel Islands
• The Isle of Man
• The Canary Islands
• The Republic of Ireland

*Please note that you will not be covered if you travel to a country or region that the Foreign, Commonwealth and Development Office has advised against all travel or against all but essential travel. 

The cost of taking out a travel insurance policy for Europe will vary, depending on the type and level of cover you choose, your age and whether you purchase any add-ons. If you have any pre-exisitng medical conditions, this will affect you eligibility for cover.

To find out how much your holiday insurance for Europe will cost, get a quote today. 

All prices we quote include Insurance Premium Tax (IPT).

Currently, you do not need a visa for short trips to Iceland, Lichtenstein, Norway, Switzerland and any country in the European Union (EU). If you don’t have a visa, you can stay for up to 90 days in any 180-day period. This 90-day limit is an accumulation of the time spent in all of these countries during the 180-day period. If you exceed this limit, you may require a visa.

These rules are slightly different for visits to Bulgaria, Croatia, Cyprus and Romania. Only the time spent within any one of these countries counts towards the 90-day limit within the 180-day period.

You may require a visa if you are travelling for business, work or study. It's also possible that you’ll need to complete the online ETIAS  application form before setting off.

Bear in mind that with our European Annual Travel Insurance, we include some countries that are outside the EEA for example Egypt and Libya. You will need a visa to travel to these countries. You can check the entry requirements  here.

If you’re travelling within the European Union (EU), then an EHIC card is an important document to have. It is not however a replacement for European travel insurance. Also, despite the UK leaving the EU in January 2021, the EHIC remains valid for UK holders until the expiry date of their card. However, once your EHIC has expired you will have to apply for a Global Health Insurance (GHIC). The GHIC will take the place of the EHIC and can be applied for and ordered now if you don't already own an EHIC.

Both the EHIC and the GHIC entitle you to cheaper (sometimes free) emergency treatment in a number of EU countries. Although the card entitles you to the same treatment as local citizens, you should be aware that many countries do not have their version of the NHS, so you may still have to pay for some aspects of healthcare.

For this reason, you should still take out travel insurance for Europe. That way, your medical bills will be included in your cover, and you’ll also be covered for things like cancellations, delayed flights and delayed personal possessions.

If you’re taking a holiday in the UK, travel insurance is still important. Although you won’t need health insurance because you still have access to the NHS, your European travel insurance will still cover things like cancellations, lost luggage and stolen possessions.

Our Annual travel insurance for Europe includes the UK, so your staycation will be covered if you choose ‘Europe’ as your area of cover.  Special UK only rates are also available on our Single Trip policies

Other popular products from Allianz Assistance

Annual Multi-Trip Travel Insurance

Single Trip Travel Insurance

Backpacker Travel Insurance

Family Travel Insurance

Cruise Travel Insurance

Get active on your next holiday with our sports and leisure add-ons.

Winter Sports & Ski Travel Insurance

Sports & Leisure Insurance

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Need help? Call us on: 0371 200 0428

Make a claim, policy documents.

What Is Schengen Travel Insurance?

Quick answer.

S chengen travel insurance is a specific type of travel insurance policy tailored to meet the travel medical coverage requirements set by the 27 (soon to be 29) European destinations within the Schengen Area. Travelers must present proof of sufficient coverage as part of the Schengen visa application process.

Schengen member countries have abolished their internal borders, allowing more accessible travel within the area. While this is incredibly convenient, some travelers may need a visa to visit Schengen countries. And one of the requirements to obtain that visa is to purchase sufficient travel medical insurance coverage.

Read on to learn more about Schengen visa travel insurance requirements and find the best travel insurance policy for your upcoming trip.

Table of contents

What is schengen travel insurance, schengen countries, visa and travel insurance requirements for the schengen area, key coverages in schengen travel insurance, how to get schengen travel insurance, schengen travel insurance faqs, summary of money’s guide to schengen travel insurance.

Schengen travel insurance is designed for travelers entering the Schengen zone, which comprises 27 (soon to be 29) European nations that have abolished internal borders.

Many visitors, including citizens from non-EU countries like India and China, must obtain a travel visa to enter the Schengen Area. And a requirement for a Schengen Visa is to have insurance covering at least €30,000 (around $32,720) in medical costs.

However, there are exemptions. For example, U.S. citizens and residents of countries such as Canada, Brazil and Mexico don’t need a Schengen visa or travel insurance for stays of up to 90 days within a 180-day period.

The Schengen Area consists of a diverse tapestry of countries. Among the member nations are some of the best places to visit in Europe , including France, Italy, Germany, Spain, Greece and the Netherlands.

Here’s the complete list:

Ireland and Cyprus are the only E.U. member states not currently part of the Schengen Agreement.

Having a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or business purposes.

Once officially admitted, you can travel freely within the member countries without passing through customs each time. Stays under 90 days don’t require a visa for U.S. nationals, but your passport should be valid for at least six months past your travel dates.

Short stays don’t require travel medical insurance either, though travel insurance may still be worth it . That could be especially true if you plan to participate in adventure sports or other high-risk activities.

Travel insurance generally also covers cancellations and delays. Purchasing a policy could pay off if you’ve booked expensive, non-refundable flights or accommodations and didn’t purchase them with one of the best travel credit cards that offer insurance.

European Travel Information and Authorisation System (ETIAS)

Travel requirements for European Union countries are projected to change by mid-2025. Visa-exempt travelers to all 27 (soon to be 29) Schengen countries and Cyprus will need an ETIAS authorization.

Here’s what you need to know:

• You must complete an online application and pay a small fee for an ETIAS authorization.
• The authorization is tied to your passport and is valid for three years or until your passport expires.
• With a valid travel authorization, you can enter 30 European countries for short stays of up to 90 days within a 180-day period.
• ETIAS authorization does not guarantee entry into any of these countries. You still have to present your passport and documents at the border.
• The above applies to people from the U.S., Canada and dozens of other countries, so check the E.U.’s official travel website or your country’s embassy for more information. An ETIAS is not a visa and doesn’t mandate travel medical insurance.

Schengen visa requirements

You’ll need a visa if you’re from a visa-exempt country, like the U.S., and planning to stay in the Schengen Area beyond the 90-day threshold. Regardless of the length of the stay, nationals traveling from certain countries always require a visa.

Determine which Schengen country you’ll spend most of your time in and check with their official tourism or embassy website for instructions on applying for a visa. The embassy will inform you about the required documentation and instructions to meet their regulations.

Schengen visa processing time can vary depending on your country of origin and your destination country, so be sure to start the process as early as possible.

Besides the application form, the following are required to obtain a Schengen visa:

• Valid passport: Your passport must be valid for at least three months after departure.
• Passport photo: You must submit a picture of yourself that complies with the International Civil Aviation Organisation (ICAO) standards.
• Travel medical insurance: You must carry at least €30,000 (approximately $32,720) in coverage for medical emergencies, hospitalization and repatriation that’s valid in the entire Schengen Area for the duration of your stay.
• Documentation: You must provide evidence of the purpose of your visit through supporting documentation, demonstrate you have the financial means to cover expenses and accommodations and show intent to return to your home country after the stay.
• Fingerprints: Most, but not all, applicants will be required to submit their fingerprints along with their application.

Consulates of particular countries may require additional documentation.

Understanding what travel insurance covers can help you plan a worry-free journey. While plans and coverage options vary by company, here’s a breakdown of what Schengen travel insurance generally covers.

• Medical expenses: Travel medical insurance covers the cost of treating unexpected illnesses or injuries you suffer during your trip, up to your policy limits. These include the cost of medications, hospitalization and other essential medical treatments.
• Medical repatriation: Some travel medical policies also include emergency medical evacuation or repatriation, which covers some of the costs of transporting you back home or to a different medical facility to receive necessary medical treatment.
• Repatriation of remains: As the name suggests, this coverage will pay (up to your policy limits) for expenses related to transporting your body or cremated remains to your home country or point of origin.
• 24/7 Travel Assistance: Travel insurance companies generally offer round-the-clock assistance services, including language support, help recovering lost passports or prescriptions and even booking accommodations and medical transportation.

Note that some companies may require you to meet a deductible for the travel medical plan to start paying out.

Other travel-related coverage options

Most travel insurers sell policies covering medical emergencies and travel-related inconveniences such as delays, cancellations, lost luggage, and more. While you don’t need these coverage options to obtain a Schengen visa, you may still find them worthwhile.

• Trip cancellation and trip interruption: Covers non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events like illness or accidents.
• Baggage loss or delay: Helps cover the cost of replacing essential items if your baggage is lost or delayed by a specified number of hours.
• Delayed flights and missed connections: Provides compensation for additional expenses caused by inconveniences such as delays or missed connections.

It’s easy to buy travel insurance for your Schengen Area trip. Many providers offer policies that fulfill the visa requirement and include additional coverage that can be tailored to your needs.

Here are some steps to help you get the right coverage.

1. Research reputable travel insurance providers

Most travel insurers bundle travel medical insurance coverage with trip cancellation, interruption, and other coverage options. If you only want to satisfy Schengen visa requirements, look for a provider that explicitly markets Schengen travel insurance or offers stand-alone travel medical coverage.

2. Select a plan that meets your needs and get a quote

Remember that you may not need trip insurance beyond the €30,000 in travel medical coverage required for a Schengen visa, so read plan details carefully to avoid buying unnecessary coverage.

It also pays to shop around and get quotes from several insurers, as travel insurance costs between 3% and 14% of the total cost of your trip, depending on the company and policy you choose.

3. Read your policy details

When shopping for travel insurance online, you’ll typically find that most companies include a policy summary or schedule. This document outlines critical details such as the policy’s coverage limits and exclusions. Carefully reading it can help you avoid surprises and frustration if you ever need to file a claim.

If you still have questions after reading the policy summary, contact the insurer before finalizing your purchase.

4. Get to know the claims process

Similarly, reading about your insurance provider’s claims process can save you time and energy in an emergency. Your policy summary should include a list of documents you’ll be required to provide as part of the claims process, which may include receipts and medical bills.

After a covered incident, contact your insurer through the company’s website or mobile app as soon as possible. Most insurers also offer travel assistance services around the clock.

5. Purchase and safeguard your policy

You will need proof of your travel medical insurance plan to apply for a Schengen visa. Keep your insurance certificate in a secure yet accessible location, whether a digital version on your smartphone or a physical printout in your travel folder.

It may also be a good idea to share a copy of your policy with a trusted friend or family member back home so they can contact your insurance provider if you cannot request medical assistance due to an emergency.

Should I get travel insurance for Europe?

Travel insurance, especially within the Schengen Area, is not just recommended but often mandatory. To obtain a visa to visit the Schengen zone, you must show proof of having sufficient travel medical insurance.

How much travel insurance do I need for Europe?

What countries does europe travel insurance cover.

• The first step before you travel to any Schengen country is to determine whether you need a visa and, therefore, mandatory travel medical insurance for a Schengen visa.
• Check with your country’s embassy, Department of Foreign Affairs or the tourism website of the country you plan to visit for specifics about medical travel insurance for Schengen visa requirements.
• You don’t need a visa or international travel insurance if you have a valid U.S. passport and are visiting the Schengen zone for less than 90 days in a 180-day period.
• If you’re a U.S. national planning to visit the Schengen Area for more than 90 days, you must apply for a visa and secure adequate travel health insurance (at least €30,000 in travel medical and repatriation coverage).

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

Single Trip Travel Insurance

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• 3 levels of cover
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Bars & Nightlife

The nightlife scene in Moscow is varied, and long gone are the days when the only kind of venues in operation were luxury establishments guarded by stern-looking bouncers. Although some places still enforce FC/DC, many are now leaning towards a more casual approach to entry - the recent decade has seen a rise in the number of casual bars modelled after hip urban haunts of West European capitals. Wine bars, craft breweries, bohemian cafes, indie bars, and glitzy nightclubs are all to be found in abundance, spread throughout the city's many neighbourhoods. And here are the best bars and nightclubs in Moscow, Russia:

Chinese Pilot Jao Da

16 Tons Club

Hookah Bar Friends

In order to satisfy the wishes of Moscow's well-off upper middle classes, many chic designer stores have opened their stores in Moscow. Today there is definitely a risk that tourists will return home with considerably more expensive souvenirs than fur hats and Russian "matryoshka" dolls, which are readily available throughout - a good place to start browsing for these is the souvenir market right next to the Red Square.

Popular Shopping Streets

Eliseyevskiy Store

Perlov Tea House

Tourist Information

Vnukovo International Airport

The city's third and most compact airport, Vnukovo is located approximately 28 kilometres southwest of the city centre. The air hub is best reached by Aeroexpress trains departing from the Kievskaya Railway Station. Several mini-buses also run here from Yugo-Zapadnaya metro station (south end of the red line).

Phone: +7 495 937-55-55

Website: www.vnukovo.ru/en

More Information:

Sheremetyevo International Airport

The largest international airport in Moscow is Sheremetyevo International Airport, located 30 kilometres from the city centre. The easiest and fastest way to reach any of Moscow's three major airports is by Aeroexpress - a fast train designated for air travelers (train departs from Belorussky Railway Station). The train ride takes 35 minutes. Another way to get here is by taxi. At the airport you can order taxis at the operator desk. You can usually book a taxi in advance through the hotel or travel agency when going to the airport. Alternatively, there are different bus routes. The buses take about 30-70 minutes depending on the route and your final destination. When traveling by car or bus, do keep in mind that rush hour traffic may sometimes be very dense, and significant delays are possible.

Address: Sheremetyevo International Airport, Moscow

Phone: +7 495 578 65 65

Website: https://www.svo.aero/en/main

Domodedovo International Airport

Another large airport in Moscow is Moscow Domodedovo Airport. The airport is located 22 kilometres away from the city. You can also reach the airport from Domodedovskaya underground station by mini-bus or bus and from Paveletsky railway station by train. The train from Paveletsky railway station takes 40-50 minutes going on the Aeroexpress train, and 1 hour and 10 minutes on the commuter train. The express buses and shuttles from Domodedovskaya underground station take 25-30 minutes and leave every 15 minutes. Buses run from 6am-12am. Taxis can be ordered at the domestic and international arrivals hall. There are car rental services at the airport.

Address: Moscow Domodedovo Airport, Moscow

Phone: +7 495 933 6666

Website: www.domodedovo.ru

Moscow has one of the world’s most beautiful underground railways which operates very efficiently. If you carry big luggage on the metro, make sure you buy a special luggage ticket. Tickets can be bought at station entrances - either at vending machines or special staffed kiosks.If you plan to use the metro multiple times during your stay, it makes sense to purchase a top-up card called "Troika".

Phone: +7 495 688 02 93

Website: www.mosmetro.ru

Public Transport

In Moscow there are also buses, trolley buses and trams apart from the beautiful metro. Tickets can be bought from the kiosks in the street or from the driver and validated once aboard.

Phone: +7 495 950 4204

Website: www.mosgortrans.ru

In Moscow the easiest way to get a taxi is the traditional way: to stand in the street and hold out your arm. Civilian cars like to operate as taxis, it is therefore recommended to only use professional taxi services. Taxi meters are not always used, so agree on a price before travelling. English-speaking taxi services in Moscow: Welcome Taxi +7 499 922 06 74 www.welcometaxi.ru LingoTaxi: +7 495 204 21 34

There are many post offices around town. If you want to send a letter you can drop it of in one of the dark blue post boxes. Main Post Office:

Address: Ul. Myasnitskaya 26, Moscow

Phone: +7 495 623 67 01

Website: https://www.pochta.ru

Medical care may be very expensive if you do not have insurance. Hotels often have their own doctor, so start there if you need help. There are dozens of pharmacies all throughout the city, and many work 24/7. Rigla 102 www.rigla.ru 15/43 Arbat, Moscow Apteka 36,6 www.366.ru 25 str 1A Zemlyanoy val, Moscow

National code: +7 Area code: 495/499

Electricity

220 volt, 50 Hz

How to Phone and Send Post from Moscow

To be omnipresent in Moscow you’ll need wi-fi or cellular phone capabilities. It’s better to get a local SIM card to avoid high roaming costs. The best one is from Megafon, who offers “Mezhdunarodny” tarif with cheap calls abroad and inexpensive fast speed LTE (4G) internet (get a prepaid 3 gig pack for 10 eur). They also have lots of additional options you’d need to switch on to save money, so check out their English-language website. One thing to keep in mind is that all Russian cell phone operators have slightly higher tariffs if you travel outside of the city where you bought your SIM. So check out their roaming tariffs and buy the SIM in the region you’ll spend most of your time in or switch on the cheaper roaming options.

How to phone from Moscow

The phone code of Moscow is 495. If you phone inside Moscow , you should just dial the 7-digit number. If you phone to another country , dial 8, wait for a long tone, dial 10 (for international access), then the code of the country, of the city, and the phone number you need. If you phone to another town in Russia , dial 8, wait for a long tone, and then dial the code of the city, followed by the local phone number. If you phone to a mobile phone , which doesn't have a direct Moscow number, dial 8, wait for a long tone, and then dial the number (for example, 910 555-5555).  

Using Public Phones  

Most of the pay phones require a phonecard, which you can buy at any metro station's ticket office. Each phone has an instruction in English on the display and you can change the language of it by pressing the button "L". The telephone card - Tele`fonnaya `Karta - can be for 20 units (minutes) - 60 R ($2) or 50 units (one hour) - 105 R ($4). The public phones are usually located near or inside all metro stations and at the other popular places. It's possible to use those public phones for international calls too, but it's very expensive, better consider the options below.

  How to communicate with the outside world?

First, you can phone from the hotel or hostel you're staying in. Usually hotels charge much more than it really costs, so it's not a very good idea. If you live in an apartment, the price would be around 20R ($0.7) a minute if the call goes through MGTS local provider (it will, in most cases). You can also go to the Tverskaya ulitsa, 7 (central telegraph, opened 24 hours) or to another telegraph office . You can order a telephone call or send a fax anywhere. A call to Western Europe is around 20 roubles (0.7$) a minute. For some reason, there are no special 'budget call centers' in Moscow as in some other countries. Another way to phone abroad is to make a collect phone call . In this case, you will not pay for the phone call, but the party you're phoning to will. You can do it by dialing AT&T access number in Moscow (755-5042 or 747-3323), dialing the number you wish to reach, waiting for an operator to answer (English-speaking only) and telling him / her you'd like to make a free phone call to this number. You will need to repeat the number again to the operator, then you'll be connected, the person you're phoning to will be asked if he's willing to pay a phonecall from Russia, and voila. The cheapest way to phone abroad , is to use a special telephone card for IP-telephoning . You can use these cards from any phone in Moscow, even public ones. Just dial the Moscow access number written on the card, switch to the tone mode (usually a * (star) button), dial your PIN and then the number you're calling. There are many companies selling those cards, such as Comstar (Maxicard) or Rinotel, besides they have an English-language menu to explain you what to do while calling. Those cards can be bought either directly from the providers or easier from the telecom shops (sa`lon s`vyazi - usually next to metro stations -- the places where cell phones and accessories are sold). Regarding the prices, IP-cards from MTU cost 150 R ($5) and one minute of speaking with US, Canada, Western Europe costs $0.2. Even if you're calling from a public phone, the phonecall will cost you the same $0.2, plus $0.07 a minute you'll have to pay for the payphone.

You can also buy phonecards online , this way you will be able to use your card instantly. WayToRussia.Net together with MasterBell offers this service to our readers through Way to Russia Budget Phonecards shop. The rates are $0.10 per minute if you call from Moscow abroad, and $0.02 per minute if you call from USA to Russia. The quality is perfect if you use the card from Russia or USA, but don't buy it if you intend to use it in a European country.

Here's a list of some IP telephony providers in Moscow. Rinotel. Address: Sofiyskaya embankment, #30/3, (zamoskvorechie area, south center, metro Tretyakovskaya). Phone: 792-5404, fax 792-5405, internet: www.rinotel.ru e-mail: [email protected] | Comstar. Address: Dmitrovsky pereulok, #3, build. 1. Contacts: tel 956-0000, fax 956-0707, internet: http://www.comstar.ru/  

Using Mobile Phones in Moscow

All the operators have the same level of service and about the same prices: about $0.20 for a minute of a local call (incoming or outcoming), and $0.15 mobile to a mobile. Megafon offers calls to Europe and USA for only $0.35 / minute if you subscribe to one of their contract plans (starts from $35 US / month with 200 minutes included). Normally, you will be able to subscribe for a short period of time, because there are no 1-year minimum term contracts in Russia -- you can usually cancel with 1 month notice. To subscribe, you just can go to any telecom shop (there are many), pay a set-up fee ($30-$90) and a deposit $35-$40 which will directly go on your account, and you'll have a new SIM card and phone number. Just make sure your mobile isn't blocked by another provider. Once subscribed, if you want to add money to your account, you can buy a top-up card, which is sold in most shops.

Sending the Post in Russia

If you want to send something by post from Russia, you can do it either through the government post service or a courier service - the difference is the price and speed. State post service. The government post system in the whole Russia is unexpensive, not quality enough and slow, either if you send it inside or outside of Russia. Besides, sometimes the letters don't come at all. It'll be ok in the most cases with the parcels though.

How to send it. You should buy the post stamps at a post office, which you can find by Pochta sign. Post offices usually work monday - friday from 9.00 to 19.00 and saturday - 9.00 to 17.00, sunday is day off. The stamps you need to send a letter to Western Europe will cost around 12 R ($0.5). For that price your letter will arrive in 2-4 weeks. You can send your letter or postcard by putting them at any of the light blue post boxes on the streets or directly at the post office (better). Sending an average (around 500gm) parcel costs around $15 A more secure option is to go directly to the main post office of Moscow - Tsentralny Telegraph (Central Telegraph), it's on Tverskaya ulitsa, #7. It'll cost around $3 to send a letter from there and it'll take 2 weeks for it to arrive.

Courier services. It costs about $50 US to send a letter with a major courier service (see contacts below) from Russia to Europe, and about $70 US to the USA. It should take about 1 to 3 business days to arrive. DHL Express. Address: 8 Marta Ul., #14. Contacts: tel 956-1000, 961-1000, fax 974-2105 internet: http:// www.dhl.ru    Federal Express . Address: Aviatsionny pereulok, #8/17. Contacts: tel 234-3400, fax 234-9942. email: [email protected] internet: http://www.fedex.com    TNT. Address: Svobody Ul., #31. Contacts: tel 797-2777, fax 797-2778, email: [email protected] internet: http://www.tnt.com    UPS. Address: Bolshoi Tishinsky pereulok, #8, build. 2. Contacts: tel 961-2211. fax 254-4015. internet: http://www.ups.com  

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Trains Moscow to Elektrostal: Times, Prices and Tickets

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Moscow to Elektrostal by train

The journey from Moscow to Elektrostal by train is 32.44 mi and takes 2 hr 7 min. There are 71 connections per day, with the first departure at 12:15 AM and the last at 11:46 PM. It is possible to travel from Moscow to Elektrostal by train for as little as or as much as . The best price for this journey is .

Get from Moscow to Elektrostal with Virail

Virail's search tool will provide you with the options you need when you want to go from Moscow to Elektrostal. All you need to do is enter the dates of your planned journey, and let us take care of everything else. Our engine does the hard work, searching through thousands of routes offered by our trusted travel partners to show you options for traveling by train, bus, plane, or carpool. You can filter the results to suit your needs. There are a number of filtering options, including price, one-way or round trip, departure or arrival time, duration of journey, or number of connections. Soon you'll find the best choice for your journey. When you're ready, Virail will transfer you to the provider's website to complete the booking. No matter where you're going, get there with Virail.

How can I find the cheapest train tickets to get from Moscow to Elektrostal?

Prices will vary when you travel from Moscow to Elektrostal. On average, though, you'll pay about for a train ticket. You can find train tickets for prices as low as , but it may require some flexibility with your travel plans. If you're looking for a low price, you may need to prepare to spend more time in transit. You can also often find cheaper train tickets at particular times of day, or on certain days of the week. Of course, ticket prices often change during the year, too; expect to pay more in peak season. For the lowest prices, it's usually best to make your reservation in advance. Be careful, though, as many providers do not offer refunds or exchanges on their cheapest train tickets. Unfortunately, no price was found for your trip from Moscow to Elektrostal. Selecting a new departure or arrival city, without dramatically changing your itinerary could help you find price results. Prices will vary when you travel from Moscow to Elektrostal. On average, though, you'll pay about for a train ticket. If you're looking for a low price, you may need to prepare to spend more time in transit. You can also often find cheaper train tickets at particular times of day, or on certain days of the week. Of course, ticket prices often change during the year, too; expect to pay more in peak season. For the lowest prices, it's usually best to make your reservation in advance. Be careful, though, as many providers do not offer refunds or exchanges on their cheapest train tickets.

How long does it take to get from Moscow to Elektrostal by train?

The journey between Moscow and Elektrostal by train is approximately 32.44 mi. It will take you more or less 2 hr 7 min to complete this journey. This average figure does not take into account any delays that might arise on your route in exceptional circumstances. If you are planning to make a connection or operating on a tight schedule, give yourself plenty of time. The distance between Moscow and Elektrostal is around 32.44 mi. Depending on the exact route and provider you travel with, your journey time can vary. On average, this journey will take approximately 2 hr 7 min. However, the fastest routes between Moscow and Elektrostal take 1 hr 3 min. If a fast journey is a priority for you when traveling, look out for express services that may get you there faster. Some flexibility may be necessary when booking. Often, these services only leave at particular times of day - or even on certain days of the week. You may also find a faster journey by taking an indirect route and connecting in another station along the way.

How many journeys from Moscow to Elektrostal are there every day?

On average, there are 71 daily departures from Moscow to Elektrostal. However, there may be more or less on different days. Providers' timetables can change on certain days of the week or public holidays, and many also vary at particular times of year. Some providers change their schedules during the summer season, for example. At very busy times, there may be up to departures each day. The providers that travel along this route include , and each operates according to their own specific schedules. As a traveler, you may prefer a direct journey, or you may not mind making changes and connections. If you have heavy suitcases, a direct journey could be best; otherwise, you might be able to save money and enjoy more flexibility by making a change along the way. Every day, there are an average of 18 departures from Moscow which travel directly to Elektrostal. There are 53 journeys with one change or more. Unfortunately, no connection was found for your trip from Moscow to Elektrostal. Selecting a new departure or arrival city, without dramatically changing your itinerary could help you find connections.

Book in advance and save

If you're looking for the best deal for your trip from Moscow to Elektrostal, booking train tickets in advance is a great way to save money, but keep in mind that advance tickets are usually not available until 3 months before your travel date.

Stay flexible with your travel time and explore off-peak journeys

Planning your trips around off-peak travel times not only means that you'll be able to avoid the crowds, but can also end up saving you money. Being flexible with your schedule and considering alternative routes or times will significantly impact the amount of money you spend on getting from Moscow to Elektrostal.

Always check special offers

Checking on the latest deals can help save a lot of money, making it worth taking the time to browse and compare prices. So make sure you get the best deal on your ticket and take advantage of special fares for children, youth and seniors as well as discounts for groups.

Unlock the potential of slower trains or connecting trains

If you're planning a trip with some flexible time, why not opt for the scenic route? Taking slower trains or connecting trains that make more stops may save you money on your ticket – definitely worth considering if it fits in your schedule.

Best time to book cheap train tickets from Moscow to Elektrostal

The cheapest Moscow - Elektrostal train tickets can be found for as low as $35.01 if you’re lucky, or $54.00 on average. The most expensive ticket can cost as much as $77.49.

Find the best day to travel to Elektrostal by train

When travelling to Elektrostal by train, if you want to avoid crowds you can check how frequently our customers are travelling in the next 30-days using the graph below. On average, the peak hours to travel are between 6:30am and 9am in the morning, or between 4pm and 7pm in the evening. Please keep this in mind when travelling to your point of departure as you may need some extra time to arrive, particularly in big cities!

Moscow to Elektrostal CO2 Emissions by Train

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Na Ulitse Yalagina 13B Apartments

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• Electrostal History and Art Museum

You can spend time exploring the galleries in Electrostal History and Art Museum in Elektrostal. Take in the museums while you're in the area.

• Cities near Elektrostal

• Places of interest
• Yuri Gagarin Cosmonaut Training Center
• Peter the Great Military Academy
• Central Museum of the Air Forces at Monino
• History of Russian Scarfs and Shawls Museum
• Balashikha Arena
• Balashikha Museum of History and Local Lore
• Bykovo Manor
• Pekhorka Park
• Ramenskii History and Art Museum
• Malenky Puppet Theater
• Drama Theatre BOOM
• Likino Dulevo Museum of Local Lore
• Noginsk Museum and Exhibition Center
• Pavlovsky Posad Museum of Art and History
• Saturn Stadium
• Fairy Tale Children's Model Puppet Theater
• Fifth House Gallery
• Church of Vladimir
• Malakhovka Museum of History and Culture
• Orekhovo Zuevsky City Exhibition Hall

Destinations in May

Destinations in 2024.

Please note prices are based on two persons sharing a twin/double room. Single room supplements may apply, please call check single availability/price.

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Central Air Force Museum The Central Air Force Museum, housed at Monino Airfield, 40 km east of Moscow, Russia, is one of the world's largest aviation museums, and the largest for Russian aircraft. 173 aircraft and 127 aircraft engines are on display, and the museum also features collections of weapons, instruments, uniforms (including captured U2 pilot Gary Powers' uniform), other Cold War ...

The journey from Moscow to Elektrostal by train is 32.44 mi and takes 2 hr 7 min. There are 71 connections per day, with the first departure at 12:15 AM and the last at 11:46 PM. It is possible to travel from Moscow to Elektrostal by train for as little as or as much as . The best price for this journey is . Journey Duration.

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Prices at Na Ulitse Yalagina 13B Apartments are subject to change according to dates, hotel policy, and other factors. To view prices, please search for the dates you wish to stay at the hotel. What are the check-in and check-out times at Na Ulitse Yalagina 13B Apartments? The check-in time is after 14:00 and the check-out time is before 12:00.

Cities near Elektrostal. Places of interest. Pavlovskiy Posad Noginsk. Travel guide resource for your visit to Elektrostal. Discover the best of Elektrostal so you can plan your trip right.

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Help and support Travel Insurance FAQs

Common questions about our cover and optional add-ons.

• About our travel insurance
• Flight cancellations, delays and missed departures
• Medical Assistance Plus and Flight Delay Assistance Plus
• Gadget Cover optional add-on
• Claims, cancellations, renewals and complaints

Buying travel insurance 

Can i buy travel insurance at my local post office branch.

Yes, you can buy our travel insurance at over 3,800 Post Office branches. If your nearest branch can’t issue travel insurance, you can buy travel cover online . Or call 0330 123 3690 (1)

I don't live in the UK. Can I take out a Post Office Travel Insurance policy?

We’re sorry, but no. Our policies cover UK residents only (including those in the Channel Islands and Isle of Man).

My partner and I live at separate addresses. Can we still buy family cover?

Family cover is available on Post Office Travel Insurance single-trip and annual multi-trip policies.

It covers a person and their husband, wife, civil partner or Common Law Partner (who must be residing with them). It also covers any dependent, adopted or fostered children or grandchildren aged under 18.

Family cover is not available on our backpacker policies.

Is there an age limit for single-trip and annual multi-trip travel insurance policies?

There’s no upper age limit for single-trip policies. For annul multi-trip policies you need to be 75 or under.

Is there an age limit for backpacker travel insurance policies?

Yes, you must be aged between 18 and 60 years of age when your policy starts.

Backpacker policies are only available on our economy level cover.

Covid-19 cover and trip durations

Does post office travel insurance include coronavirus cover.

All new Post Office Travel Insurance policies include a degree of cover against Covid-19 related disruptions, such as cancellation, curtailment and medical costs in some circumstances.

You can find out more about what's covered for coronavirus on our policies on our travel insurance Covid-19 FAQs page.

We also offer a trip disruption cover option that provides protection in other scenarios. These include missed departures or changes in testing and quarantine rules.

How long can I travel for on my Post Office Travel Insurance policy?

It depends on the level of cover.

Policies sold from 31 March 2022 to 27 March 2024

Single-trip travel insurance covers you for trips of up to:

• 365 days (for persons aged up to and including 70 years)
• 90 days (aged 71 to 75)
• 31 days (aged 76 and above).

Annual multi-trip policies cover you for: 

• 17 days per trip (with economy and standard cover levels)
• 31 days per trip (premier cover).

If you pay the appropriate extra premium, this can be extended to:

• 31, 45 or 60 days (economy, standard) 
• 45 or 60 days (premier)

You can take as many trips as you like as long as you’re not away for more than 183 days in the policy year.

Our backpacker travel insurance policy covers you for trips lasting anything from 31 days to 18 months.

Policies sold from 28 March 2024

Trip durations for policies sold from 28 March 2024 are the same as for those sold before that date.

The maximum trip duration annual multi-trip policies will cover is 31 days. This can be extended to 45 or 60 days with optional trip extension upgrades.

How long must a UK trip be to be covered by my travel insurance?

For your Post Office Travel Insurance policy to cover you for trips in England, Scotland, Wales or Northern Ireland, the following rules apply.

• For multi-trip policies, 1 nights’ pre-booked accommodation must be in place, and can’t be a stay with family or friends, or your stay must be at least 100 miles from your home, or you must have at least 1 sea crossing

For example, if you fly from Scotland to Cornwall to stay with friends and family in their home or second home and your baggage was lost or damaged on the way it wouldn’t be covered. Similarly, if you have a second home of your own this doesn’t class as pre-booked.

This doesn’t apply to trips taken overseas, outside your country of residence.

Having flight problems?

This section covers flight disruptions that are not related to Covid-19. If your question relates to the impact of coronavirus on your trip and whether it’s covered, please check our travel insurance Covid-19 FAQs .

Are flight cancellations covered on my policy?

There’s no cover for flight cancellation on your Post Office Travel Insurance policy if you have not already started your trip. If the airline cancels your flight before you arrive at your departure point you should always discuss this with your airline or travel provider to see what options are available to you.

Regulation EU261

This is a regulation that protects passengers in the event of inconvenience caused by long flight delays or cancellations of European flights. It allows up to £520 compensation per passenger in the event of such disruptions.

Entitlements are only in force if the delay or cancellation is within the airline’s control and has not been deemed an “extraordinary circumstance.”

However, if you’re delayed at the airport on your outbound or inbound journey, several of our cover levels provide cover for the delay, any missed departure it causes and, if the delay is of a longer duration, abandoning your trip if you decide to do so. Please read the answers below for details.

What flight delay scenarios aren’t covered?

We will be unable to process claims for delayed flights if:

• You don’t arrive at your departure point in the recommended time for your scheduled departure
• You claim for delays having already made a claim for missed departure
• You’ve travelled against a non-essential travel advisory from the FCDO – and the cause of the delay is related to that advice
• You claim for a delay less than 4 hours
• You haven’t provided written confirmation from your travel provider of the duration of and reason for the delay
• You were aware of the strike/industrial action (or any other listed peril) prior to buying your travel insurance policy or booking your trip
• You haven’t provided any written confirmation of the vehicle breakdown/traffic delays

While at the airport my departure from the UK was delayed. Is that covered?

If you bought our standard, premier, max or extra cover levels, you’re covered if you arrive at the airport and your flight is delayed due to one of the following – including if this will impact a further connecting flight or flights to your final destination:

• Industrial action
• Bad weather not including anything listed as a natural catastrophe
• Technical fault of transportation including bird strikes
• Shortage of crew

If a flight you’re booked on is delayed for 4 hours or more for one of these reasons and you have a standard, premier, max or extra policy, you can claim for each 4-hour delay, up to a maximum of 12 hours, upon your return to the UK. Please check the policy wording for the delay benefit amount depending on the level of cover chosen.

If it’s a premier policy, you can also make use of Flight Delay Assistance Plus if you’ve registered for it. This means that, upon a delay of 1 hour or more, you can receive either a lounge access voucher or a £25 payment into your PayPal account. (For policies sold from 31 March 2022 to 27 March 2024 the amount was £50.)

All flights must be registered in advance. Please check your emails for confirmation and the link/web address needed to register your flights.

You must plan to leave enough time between arriving at your connection point and departing for the next leg of your journey, which should be at least the minimum time recommended for transfer by your transport provider.

If your flight delay totals 12 or more hours and you abandon your trip you can make a claim – see the question on abandoning your trip below.

What if delayed departure leads to me abandoning my trip?

If you’re a standard, premier, extra or max policy holder, we provide abandonment cover if you arrive at the airport and your flight is delayed by 12 hours or more due to:

If that happens, and you aren’t offered an alternative flight within 12 hours or provided with a refund, and you hold one of the cover levels listed, then cover is provided for your unused travel and accommodation costs.

This policy is designed to provide a refund of your unused travel and accommodation costs, at the point we are satisfied that these expenses cannot be refunded elsewhere. If your trip has been booked or paid for via one or more of the following, you must contact them to discuss a refund before claiming from us: a tour operator; an airline; any other travel, accommodation, or service provider; a credit or debit card provider or other payment providers such as PayPal.

There is no cover for delay or abandonment for trips taken solely within the UK

Am I covered if I miss a departure from the UK?

If you have our Standard, Premier, Extra or Max level cover and are delayed on your way to your departure point in the UK due to one of the following reasons, and this causes you to miss your pre-booked transportation (such as an outbound flight), we’ll cover it:

Delay or cancellation of public transport due to:

• Bad weather not including anything listed as a natural catastrophe 
• The vehicle you are travelling in is involved in an accident, breaks down, or is delayed by an incident that causes traffic jams or road closures
• The flight you are travelling on is diverted 

Please note:  Public transport includes flights

You’ll be covered up to the sum insured for either additional travel and accommodation costs to get you to your destination. Or, if the only reasonable alternative transport means you’ll lose more than 50% of your trip, you can claim for unused travel and accommodation costs.

Am I covered for travel delay outside of the UK?

You are at the airport abroad, and there is a delay in your flight leaving to return to the UK.

On Standard, Premier, Extra and Max policies, there’s cover if you arrive at the airport abroad and your flight back to the UK is delayed or cancelled due to:

• Mechanical fault of transportation including bird strikes

If you’re delayed by at least 24 hours beyond your original return date, there is cover for additional transport costs to return you home when these aren’t paid for by your travel provider, up to the limit for your level of cover.

We’ll pay a delay benefit for each full 4-hour delay up to a maximum of 12 hours for the sum insured for your level of cover.

If your trip has been booked or paid for via one or more of the following, you must contact them to discuss a refund before claiming from us: a tour operator; an airline; any other travel, accommodation, or service provider; a credit or debit card provider or other payment providers such as PayPal.

Am I covered if I miss a departure from outside the UK?

What if you are delayed on your way to the airport abroad and miss your pre-booked return flight home, or you have no travel documents and are delayed in obtaining them, so are unable to make your flight?

If you are delayed on your way to the airport and subsequently miss your return flight home, stranding you abroad, for  Standard, Premier, Extra and Max policy holders, we provide cover for delay or cancellation of public transport due to:

We’ll also cover if you’re delayed travelling home if:

• The vehicle you’re travelling in is involved in an accident, breaks down or is delayed by an incident that causes traffic jams or road closures
• Your flight gets diverted
• Your travel documents are lost or stolen while you’re outside the UK

Please note: Public transport includes flights

You’re also covered if you arrive at the airport and a delay to your flight for one of these reasons will impact a further connecting flight/s to return back home to the UK.

You must have a pre-booked return journey for cover to apply. And you must plan to leave enough time between arriving at your connection point and departing for the next leg of your journey, which should be at least the minimum time recommended for transfer by your transport provider.

Medical Assistance Plus

Does my policy include medical assistance plus.

If you bought your Post Office Travel Insurance on or after 3 July 2023 it includes Medical Assistance Plus.

How much does Medical Assistance Plus cost?

Nothing. Medical Assistance Plus is included in all policies sold from the 3 July 2023, no matter the type or level of Post Office Travel Insurance you’ve purchased. It applies whether you bought your insurance on the Post Office website, in branch, via our contact centre, on the app, or even through a comparison website.

How do I access the Medical Assistance Plus service?

Within 48 hours we'll send you an email with a unique link to launch the service. This has all of your details. Just enter your date or birth to validate and the service will launch for you.

If you’re traveling within 48 hours of purchase you can launch the service directly from our Medical Assistance Plus page on the Post Office website, then choose to continue in browser or open in app on your mobile device.

As an extra reminder, we’ll also send you a reminder SMS message the day before you travel (for single-trip and backpacker insurance) or the day before your start date of your policy (for annual multi-trip insurance). This will include links to launch the Medical Assistance Plus service.

What illnesses and situations can I use Medical Assistance Plus for?

Medical Assistance Plus is for outpatient medical care only. This includes any non-emergency medical services, including:

• GP (general Practitioner)
• Orthopaedist
• Paediatrician
• Gynaecologist

If an online or in-person consultation concludes that in-patient care is required, your medical case will then be handed over to the Emergency Medical team in the UK to be managed for wherever you are.

When shouldn’t I use the Medical Assistance Plus service?

If you require immediate emergency care, you should go directly to a hospital or an emergency clinic.

You can get further support by calling our emergency medical assistance line any time, 24/7.

If your policy number starts with TA or TC call 0208 865 3074 . If you’re calling from abroad dial 44 in place of the first zero.

There is no cover for trips taken within the UK.

Are there any limitations to the service?

This service is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person and for each medical event up to 3 appointments per person listed on the policy.

I’m having trouble registering my policy for the service. What should I do?

If you’re having difficulty registering your policy, please check:

• Your policy number is entered correctly
• You’ve entered all the verification details needed

If you’re still having trouble, please go to the “Contact us” section in the app. Here you can get help from our customer care team.

How can I contact Medical Assistance Plus customer support?

The customer care team is available 24 hours a day, 7 days per week, 365 days per year and offers multi-lingual support.

The customer care team can provide assistance via phone, email, WhatsApp, and live chat – available online or via app.

What languages can I receive my medical care in?

The global network has over 20,000 doctors in 75 countries, including the most popular destinations such as the US, UK, France, Germany, Italy, China, Japan, Canada, India, Australia, New Zealand, Israel, Thailand, and Nepal.

The doctors in the network speak a wide range of languages, so travellers can find one locally who speaks either their native language or one in which they are comfortable conducting a consultation.

When browsing for doctors in the app, simply filter your search by your preferred language. When scheduling video consultations, you can also select your preferred language when you make the appointment request.

If you’re unable to find a doctor who speaks your preferred language, please head to the “Contact Us” section in the app to get assistance from our customer care team.

Will I have to pay for any support or treatment I receive while I'm away?

No, Medical Assistance Plus is covered by your Post Office Travel Insurance policy. There are no upfront fees or extra payments required. You automatically get access to Medical Assistance Plus, no matter what type or level of insurance you’ve purchased from us. All appointment charges are covered by your travel insurance policy under Medical Assistance Plus. You won’t need to pay any excess fees for this service. For any online appointments or where the appointment was held at your accommodation, where a prescription is issued, you’ll need to pay for any medication and claim upon your return home.

No excess will be applied for any prescription charges. If your appointment takes place at a clinic and they have a dispensing chemist, you won’t need to pay for your prescription and all charges will be covered by your policy at the point of appointment.

If there’s no dispensing chemist at the clinic, you’ll either be given a prescription or the prescription will be sent to a chemist by the treating doctor and you’ll need to pay for any medication and claim upon your return home.

If your medical situation needs to be handed over from an outpatient case to an inpatient case and requires hospital admission, you will be handed over to our emergency medical assistance team in the UK. For any inpatient cases, no excess will apply.

Is my electronic prescription valid anywhere in the world?

You’ll be able to check with your doctor if they can prescribe a valid prescription in your current location. Make sure with the selected doctor before your consultation if they can provide a prescription based on your electronic prescription.

There’s no cover for trips made in the UK and you should see your GP practise you’re registered with in the UK for any appointments or prescriptions.

Flight Delay Assistance Plus

Registering your flights, how do i register a flight.

We'll send you an email with details of how to register for the service online as soon as you buy our premier travel insurance. If you arranged your policy in a Post Office branch or don't have an email address, all the information you need will be in your policy confirmation pack.

To register your flight you’ll need to set up self-service for your account and add your flight details there.

Can all flights be registered?

Flight Delay Assistance Plus is built to track almost all major commercial airline flights, but there are limitations against airlines/airports that do not report data regularly. You can register any flight where the airline accurately reports the announcement to FlightStats. If you try to register a flight that does not meet these conditions, the system will inform you of this and you will not be able to register.

Where the flight is departing from an airport with a lounge that's part of the  LoungeKey network you’ll be offered the choice of a lounge voucher, or PayPal payout in the event of a delay Not every airport has a lounge and if this is the case the PayPal option will be selected for you.

Can I register more than one person?

Yes, you can include up to four additional passengers who are named on your Post Office Travel Insurance policy when you register. Make sure the names you register match exactly those included on your flight booking or boarding passes and travel insurance.

Why has my flight registration failed?

Registering your flights could fail for two reasons:

• You’re attempting to register less than 24 hours before your scheduled departure time
• Not all airlines provide timely and accurate flight tracking data which is necessary for us to trigger compensation and issue your benefit

As such, we restrict registrations for airlines that do not provide reliable tracking data. This is done to ensure the best possible experience for customers.

Can I cancel a flight registration?

Yes, you can cancel a flight registration up to two hours before your scheduled departure time. Please do this via the link in your registration confirmation email.

LoungeKey lounge access

What is loungekey.

It's a global network of  over 1,100 airport lounges .

How will I know if free lounge access is available to me?

During your flight registration you’ll be provided with the lounge access option at the "Select Your Benefit" stage. If you have selected this option and a qualifying delay is met, we'll send an SMS text and email message with a PDF voucher attached, so you'll need a mobile device with you that can accept them. These messages are sent if:

• You register the flight online at least 24 hours before its scheduled departure time
• There's an announcement about a minimum one-hour delay (either a single delay or an accumulation of multiple shorter delays amounting to two or more hours)
• You selected lounge as your benefit option

How will I receive free LoungeKey access?

You'll need a mobile device that can receive SMS texts and emails with PDF attachments. If your flight's delayed by one hours or more, we'll automatically send you:

• A text notification, which includes a link to your PDF LoungeKey voucher
• An email with a PDF attachment containing your free LoungeKey voucher
• The SMS and emails will also contain the vouchers for any other passengers you registered

Please see our  terms of use .

How do I find the lounge at the airport?

We'll let you know how to locate your lounge when we email your access information. The voucher itself will also contain a link to the lounge finder and access information.

Other lounge access questions

Are children welcome in the lounges.

Not all lounges are open to younger passengers. You can check out the lounge policies at  your departure airport .

Why can't I gain access to a lounge?

There are a number of reasons why you might not be able to access a lounge, even if you have a valid voucher:

• If the lounge is closed when the delay occurs – during the night, for instance
• If the lounge is at full capacity
• If the passenger names on the boarding passes don't exactly match those on the LoungeKey voucher
• If you or a member of your group doesn't meet the lounge terms and conditions, such as dress code or minimum age

How can I find out about lounge policies and other services?

Although lounges at different airports have their own policies and services, most have free Wi-Fi. Discover more about the lounge at your departure airport.

About PayPal

What is paypal.

PayPal is a payment platform for payments and money transfer. It’s a secure way to send and receive money online.

PayPal allows any individual with an email address to securely send and receive payments online without having to enter your financial details.

You can use PayPal to shop online, or to send money quickly to anyone with an email address or transfer money to your bank account. You can also use PayPal on the high street where the number of shops accepting PayPal is growing.

Once you’ve linked your card or bank account to your PayPal account, you won’t need to provide all of your card details every time you shop online. PayPal remembers all your financial details, so you don’t have to, and they do not share them with sellers.

PayPal is available worldwide and in all major currencies.

How does PayPal work?

If you’ve selected PayPal as your benefit during the registration journey, in the event that you experience a qualifying flight delay, we’ll compensate you with a PayPal payout to use at your leisure.

We’ll pass your email address to PayPal, who will then instantly credit your wallet with your compensation.

If you don’t have a PayPal account linked to the email address you used for registration, PayPal will send you a link to register for an account.

Do I need to have an existing PayPal account?

You don’t need to have an existing PayPal account. A wallet will be credited with your compensation and an email will be sent to you with a link to PayPal to register and create an account. Your PayPal account will need to be linked to the email address you used to register your flight.

How can I get in contact with PayPal?

You can contact PayPal by text, email, on the phone or via the PayPal help page .

About PayPal payouts

How much will i receive.

We’ll provide a compensation payment of £25 per passenger into your PayPal account.

Will additional passengers receive a payout?

All eligible additional passengers that were registered will also receive a PayPal payout, but the payout will be made to the main customer.

Will I be notified before the PayPal payout is sent to me?

Yes, we’ll send you an email and SMS to let you know the PayPal payout has been issued.

What we share with PayPal

When will my information be shared with paypal.

We’ll pass your email address to PayPal when we trigger the PayPal payout request. 

What information will be shared with PayPal?

We’ll send PayPal the email address you used to register your flight. They will use your email address as the account to credit with the payout. PayPal will also send out communications to this address to confirm the payout.

Do you cover mobile or smart phones within a travel insurance policy?

Mobile and smartphones are covered under the personal possessions of our travel insurance policies up to £100.

If you need more cover for your phone, you could add our gadget cover add on for an extra premium and increase the cover up to £1,000 per policy for theft, damage or loss during your trip

Cover for mobile phones is now up to the single-article limit:

Economy: £150

Standard: £250

Premier: £400

If you need more cover for your phone, you could add our gadget cover add on for an extra premium and increase the cover up to £2,000 per person per policy for theft, damage, or loss during your trip.

What gadgets do you cover within the gadget cover extension?

Mobile phones, smart phones, tablets, computers, laptops, smart watches, drones, games (including handheld) consoles, all accessories of these items, plus wearable activity trackers. Cover is up to £1,000 per policy.

Mobile phones, smart phones, laptops (including custom-built), tablets, digital cameras, games consoles, video cameras, camera lenses, Bluetooth headsets and speakers, satellite navigation devices, e-readers, head/earphones, smart watches and wrist-worn health and fitness trackers. Cover is up to £2,000 per person, per policy.

Claims and emergency medical assistance

How do i make a claim on my travel insurance policy.

The easiest way is to make a claim online . It’s secure and available 24/7. There’s a handy checklist of everything you’ll need. And, for some claims, you’ll get a decision straight away. You can also call us 0333 333 9702 (1).

What should I do if I need emergency medical assistance while on a trip my policy covers?

Please call the emergency medical assistance line that’s correct for your policy as soon as possible. It’s open 24/7. The number to call is 0203 865 3074 .

How do I renew or cancel the renewal of my Travel Insurance policy?

When you buy an annual multi-trip policy, it’s your reassurance of continuous cover for all the trips you’ll take in a year. For reassurance that extends beyond that, your policy can be renewed automatically or manually. You can also make sure your policy doesn’t renew if you don’t need it to. Whatever you choose, we’ll write to you around 28 days before your current policy’s end date with details of any changes we’ll make should you wish to renew it and a quote for the next year’s cover.

Automatic renewal: if you buy an annual multi-trip policy, it will be set to renew automatically at the end of its term to keep you covered. If you prefer to opt out of this, you can do so then or any time during the policy. You can also turn auto renewal on later. Just call our contact centre. If you’ve declared medical conditions for anyone listed on the policy, it can’t be set to auto renew.

Manual renewal: if you’ve opted out of auto renewal, you can opt in manually later, such as when we send your renewal reminder or by calling our contact centre to set this up. It’s easy to renew through your online account or by calling our contact centre. If you miss the renewal date, you can still take out a new policy later. You’ll need to start a new quote, as the renewal quote is only valid until your current policy’s expiry date. This may also mean a gap in your cover until the new policy starts.

Turning off auto-renewal: if your policy’s set to renew automatically but you change your mind later, you can turn it off at any point during the life of the policy. You can do this yourself in your online account or call our contact centre team. If you’re within the last 8 days of your policy, you’ll need to call our contact centre to do so. The later you do this the greater the chance a renewal payment will be taken by the bank. If this happens before your renewal cancellation is processed, we’ll make sure your payment is refunded.

What if I have a complaint about my travel insurance?

For complaints about the sales literature or information about your policy, how it was sold to you on the phone or online, or the Medical Screening Service, please call 0330 123 1382 (1), e-mail [email protected] or write to:

Post Office Travel Insurance 67 Hope Street Glasgow G2 3AE

Please head any written correspondence 'COMPLAINT' and include copies of supporting material.

For complaints about a claim or assistance you received while travelling, please email [email protected] or write to:

Quality Department Collinson Insurance Services Limited Sussex House Perrymount Road Haywards Heath West Sussex RH16 1DN

If you’re still not satisfied or don’t get a final answer from us within eight weeks of us receiving your complaint, you may have the right to refer your complaint to the Financial Ombudsman Service (FOS) for consideration. You can contact the FOS here:

Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR

Call: 0800 0234 567 or 0300 1239 123 (1) Email: [email protected]

• Other sections:

Need more help and support with travel insurance?

If you didn’t find what you need these other pages may help.

For emergency assistance, to make a claim, complaint or manage your policy online: Visit our travel insurance support page

For questions about the coronavirus cover on our policies: Visit our travel insurance Covid-19 FAQs page

(1) Calls to 03 numbers will cost no more than calling a standard geographic number starting with 01 or 02 from your fixed line or mobile and may be included in your call package dependent on your service provider. Calls may be monitored or recorded for training and compliance purposes.

Local elections live: Local election drubbing laid at the feet of Sunak by former minister as minister to defend results

Trevor Phillips will be speaking to Transport Secretary Mark Harper and shadow chancellor of the Duchy of Lancaster Pat McFadden this morning. Suella Braverman has blamed Rishi Sunak for her party's performance in the polls

Sunday 5 May 2024 07:48, UK

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• Minister to defend Tory election defeats on Sunday Morning with Trevor Phillips
• Braverman lays blame for electoral drubbing at Sunak's feet
• Labour wins West Midlands mayoral election
• 'Devastated' Street refuses to blame Sunak for loss
• Tory MP says 'awful' results should be 'massive wake-up call' in WhatsApps leaked to Sky News
• Khan heckled by losing candidate as he's declared winner of London mayoral election
• Darren McCaffrey:  London loss asks bigger questions of the Conservatives
• Andy Burnham re-elected as Greater Manchester mayor
• Lib Dems win more council seats than Tories in England
• Sam Coates:  Tory MPs sad but not mutinous
• Vote 2024:   Council results in full  |  Mayoral results in full
• Live reporting by  Tim Baker

In a blistering article in the Daily Telegraph, former home secretary Suella Braverman has laid the blame for the Conservative's poor showing in the local elections at the feet of Rishi Sunak.

But she says it would be wrong to replace him.

Ms Braverman writes: "Let me cut to the chase so no one wastes time overanalysing this: we must not change our leader.

"Changing leader now won't work: the time to do so came and went.

"The hole to dig us out is the PM's, and it's time for him to start shovelling."

She goes on to say that victories for councillors in her constituency, and the win for Ben Houchen in the Tees Valley mayoral race, were with "with no thanks to the national Conservative 'brand'".

She goes on to call for action from the government on a variety of issues, including tax, migration, small boats and law and order - adding that she wants to see "strong leadership, not managerialism".

Not changing course will mean the party has "no one else to blame when this week's political earthquake is made to look like a mere tremor come the general election night".

 Welcome back to the Politics Hub.

It's Sunday morning - which means Trevor Phillips will be interviewing politicians and looking forward to the week ahead. 

A must-watch every week, today it carries extra weight in the aftermath of the local elections.

Transport Secretary Mark Harper is out to bat for the government after the Conservatives lost hundreds of council seats and managed to win only one mayoral election.

He will be looking to steady the ship - with potential rebels against Rishi Sunak waiting in the wings when MPs return to Westminster.

Pat McFadden , the shadow chancellor of the Duchy of Lancaster, will have an easier job as Labour's representative on the airwaves this morning.

The party clinched the West Midlands mayoralty last night by 1,508 votes, ousting Conservative incumbent Andy Street - after also romping home in London and a swathe of other contests.

Trevor will be speaking to John Swinney , who is eyeing a return to the top of the Scottish National Party after Humza Yousaf's resignation.

Elsewhere, the deputy director of the European Broadcasting Union - Jean Philip de Tender - will be speaking to Trevor about Eurovision and political row over Israel.

Joining us for the panel discussions throughout will be Boris Johnson's former Downing Street communications chief Guto Harri , the ex-FT editor Lionel Barber , and Miranda Green - a former Lib Dem adviser and FT columnist. 

Watch  Sunday Morning with Trevor Phillips  from 8.30am on Sky channel 501, Virgin channel 602, Freeview channel 233, on the  Sky News website  and  app  or on  YouTube .

Thanks for joining us for another extremely busy day of local election news. You can join us tomorrow morning for a special election episode of Sunday Morning with Trevor Phillips.

Until then, here are today's headlines:

• Tory incumbent Andy Street has suffered a shock loss to Labour in the West Midlands mayoral race in a major blow to the prime minister;
• Labour leader Sir Keir Starmer has heralded the win as a "significant piece of political history";
• Sadiq Khan has won a historic third term as London mayor;
• Andy Burnham was re-elected as Greater Manchester mayor for a third term with more than 60% of the vote;
• Labour also won mayoral races in West Yorkshire, South Yorkshire, Liverpool City Region and Salford ;
• The results mean Labour has won all but one of the mayoral races they were contesting, losing Tees Valley to the Tory incumbent;
• The Conservatives have lost 473 seats and control of 12 councils;
• Labour has gained eight councils and 185 seats;
• The results mean the  Liberal Democrats  have won more council seats than the Conservatives;
• The  Green Party  has netted an extra 74 seats, making serious gains in places like Bristol.

Richard Parker has pulled off a surprise victory in the West Midlands mayoral election.

The Labour candidate unseated Andy Street, winning by just 1,508 votes, to end the Tory's seven-year term.

Here's what you need to know about the relatively unknown politician.

Originally from Bristol, Mr Parker's father was a dock worker and his mother a school secretary.

He left school aged 16 and went straight to work at a local port authority before getting an economics degree.

Mr Parker went to work for PwC in 1989, where he gained his accountancy qualifications and went on to become a partner, managing the accountancy firm's relationship with the Labour Party.

Mr Parker also worked with council leaders to set up the West Midlands Combined Authority in 2016 before leaving to set up his own company RP Strategy.

Read more here:

By Andy Hayes, news reporter

Tory incumbent Andy Street has suffered a shock defeat to Labour in the West Midlands mayoral election after a partial recount was ordered.

Labour's Richard Parker beat Mr Street by just 1,508 votes - 0.25% - to deliver a major blow to Rishi Sunak in the key electoral battleground after a hammering in the local elections.

With the race neck-and-neck, in the end it came down to the results in one borough - Labour-supporting Sandwell.

"This is the most important thing I will ever do," Mr Parker said in his acceptance speech.

"I promise you that I will deliver jobs," he added.

He told Sky News he would take buses "back into public control" and deliver the "largest programme of social housing we've had in this region for more than 40 years".

And he thanked his predecessor, who he said had "led this region through a number of great challenges and you deserve great credit for that".

Labour's win in the West Midlands has left Rishi Sunak with "just one man standing", Sky's  political editor Beth Rigby  says. 

The Conservatives have now lost all of the mayoral races in this election, with the exception of Tees Valley. 

Beth says one senior Labour figure has told her the West Midlands was the Tory scalp Labour really wanted - and were pulling resources from Tees Valley to make it happen.

"They were really fighting hard to take this Tory jewel from the crown," she says.

The "energy and the euphoria was palpable" within the Labour camp after victory was declared, Beth says .

"They were so wired, excited, euphoric about this win because for them it is huge."

She says you could feel among the Labour activists, and Sir Keir Starmer himself, that they are beginning to feel "they can really do this" in the general election.

Symbolically they can say "we took your crown jewel in the West Midlands and we are coming for those seats".

"It gives Starmer momentum and it will leave the Conservatives hugely deflated," she adds.

Labour's new mayor for the West Midlands Richard Parker tells Sky News he plans to "work really closely with a future Labour government".

"I think that's the best way for us to work together for the wider benefit of this region," he says.

Mr Parker defeated Tory incumbent Andy Street in a major blow to the Conservatives.

Labour's election success is a "vindication of the hard work that we've done to change the Labour Party," Sir Keir Starmer says.

He heralds the "phenomenal result" in the West Midlands, which saw Labour's Richard Parker defeat the Tory incumbent. 

But he says Labour is now stepping up again towards the general election "so that we can serve the working people once again as a new and changed party".

He is asked about the extent to which Labour's stance on the Gaza war has cost the party votes.

"Where we have not been able to persuade people who might otherwise have voted for Labour, it is important to acknowledge that - to say I have heard, I've listened and I am determined to meet the concerns they have and win back their trust and confidence."

"But nothing takes away from the significance of this victory here in the West Midlands," he says.

Labour's Richard Parker is appearing alongside Labour leader Sir Keir Starmer after winning the West Midlands mayoral race. 

"It's time for a fresh start ... we start on Monday," Mr Parker says to a loud applause.

Speaking next, Sir Keir declares: "What a way to end the local elections in 2024". 

"This is a significant piece of political history that we have made here today," he says.

Defeated Conservative mayor Andy Street tells Sky News he would advise against his party drifting to the right, saying his brand of "tolerant conservatism" has come "within an ace of beating the Labour Party".

"The thing everyone should take from Birmingham in the West Midlands tonight is this brand of moderate, inclusive, tolerant conservatism that gets on and delivered has come within an ace of beating the Labour Party in, what they considered to be their backyard," he says. 

"That's the message from here tonight."

Asked if he is worried the Conservative party is drifting to the right and over-emphasising the threat from Reform UK while "ignoring other voters", he said: "I would definitely not advise that drift.

"The psychology here is really very straight forward isn't it: this is the youngest, most diverse, one of the most urban places in Britain and we've done, many would say, extremely well over a consistent period.

"The message is clear: winning from that centre ground is what happens."

Mr Street lost to Labour's Richard Parker in the West Midlands mayoral race by a margin of 1,508 votes.

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