Get ready for your trip

Travelling to Europe? Whether you’re off for a quick city break or a relaxing beach holiday, it’s a good idea to invest in travel insurance.

No one likes to think of the worst case scenario while planning the perfect trip, but sometimes it happens. Flights can be delayed, luggage goes missing, and people fall ill. With Sainsbury’s Bank Travel Insurance, we’ve got you covered, should anything like this happen to you.

Do you need travel insurance in Europe?

As a British citizen, you’re entitled to apply for a European Health Insurance Card (EHIC). This covers state-provided medical healthcare at a low cost or free of charge while you’re travelling in Europe.

The EHIC isn’t a replacement for European holiday insurance. Although it includes cover for chronic or pre-existing medical conditions, it won’t stretch to private medical care. It also doesn’t cover certain costs, such as help to get back home after a medical emergency, like insurance would.

It’s also worth bearing in mind that each country in Europe has a different healthcare system. That means the level of care may not be the same as you’d receive free of charge at home on the NHS.

Additionally, some European countries operate under a patient co-payment scheme, where patients are expected to contribute a percentage towards their medical care. If you only have an EHIC, and not travel insurance, you’ll have to pay that charge out of your own pocket.

How Brexit might affect the EHIC scheme

The future of the UK’s involvement in the EHIC scheme is uncertain. That means it’s now more important than ever that you’re covered by a comprehensive travel insurance policy. For now, the EHIC scheme will remain in place until 31 December 2020 – what happens beyond then is still to be decided.

Even with an EHIC, you’d still be liable to pay for the costs of other types of emergencies. For example, if you lose your passport while you’re on holiday, your travel insurance will cover the costs for you to get a temporary travel document. So, it could still be worth investing in.

Do you need travel insurance for the UK?

What about if you’re enjoying a staycation – do you still need to buy travel insurance? It could be a very good idea to do so, as accidents can happen anywhere. We offer both single trip and annual multi-trip policies for holidays within the UK only.

Types of European travel insurance

We offer three different travel insurance policies. What you need will depend on your holiday plans. And remember, if you’re staying within the UK it’s a choice between single trip and annual multi-trip.

Single Trip

Planning one special holiday somewhere in Europe? Consider our Single Trip policy

Annual Multi-trip

Ticking a few European countries off your bucket list? Our Multi-trip policy might work best

Extended Trip

Heading off on an extended trip around Europe? Get up to 548 days cover, depending on the level of cover you choose


Why choose Sainsbury’s Bank Travel Insurance?

We offer Silver, Gold and Platinum level cover for all our travel insurance policies, whether you’re holidaying in the UK or elsewhere in Europe.

Excesses may apply, please see the policy summary for full details.

Single Trip & Annual Multi-trip


Key benefits Silver Cover (up to) Gold Cover (up to) Platinum Cover (up to)
Medical emergency expenses £10 million £15 million ulimited
Cancellation or cutting short your trip £3,000 £5,000 £7,500
Personal baggage £1,250 £2,000 £3,000
Personal accident - £25,000 £50,000
Gadget cover £500 £750 £750
Personal money £400 £500 £750
Mugging cover - £250 £500
End supplier failure - £2,500 £2,500
Travel disruption (optional extra) - £5,000 £7,500

Extended Trip


Key benefits Silver Cover (up to) Gold Cover (up to) Platinum Cover (up to)
Medical emergency expenses £10 million £12.5 million £15 million
Cancellation or cutting short your trip £1,000 £3,000 £5,000
Personal baggage £1,000 £1,500 £2,000
Personal accident - £10,000 £15,000
Personal money £200 £300 £500
Scheduled airline failure - £2,500 £2,500
Travel disruption (optional extra) - £3,000 £5,000
Winter sports cover (optional extra) £500 £750 £1,000

Ready to get European travel insurance?

Wherever you’re off to, make sure you’ve got the right travel insurance in place before you go. Find out more about the countries we cover and get a quote for your European travel cover online today.

Get a quote


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Any questions?

Check out our FAQs about travel insurance. If you still need to talk to us, our friendly team will be happy to help.

Call 0345 305 2621.

Sales and service lines are open 9am-5pm Monday to Friday. Closed weekend and Bank Holidays. Calls may be monitored or recorded. Calls are charged at local rates from landlines and mobiles.

Helpful phone numbers.

Sainsbury’s Bank Travel Insurance is underwritten by Great Lakes Insurance SE (GLISE) a German insurance company. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ, company number SE000083. Authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority: register number 769884. Details about the extent of GLISE’s authorisation and regulation by the Prudential Regulation Authority, and regulation by the Financial Conduct Authority are available from the insurer on request.

Sainsbury’s Bank Travel Insurance is sold and administered by Hood Travel Limited, registered at Companies House 08318836. Hood Travel is authorised and regulated by the Financial Conduct Authority under registration number 597211. Hood Travel Limited’s registered address is at 1st Floor Maitland House, Warrior Square, Southend-on-Sea, Essex, SS1 2JY. Hood travel is an insurance intermediary providing a non-advised service. We act for and on behalf of the insurer.