Travel insurance, country by country

Safe on Travel designs travel insurance for the people who live in each country: in their language, under their country's rules and with 24/7 assistance wherever they travel. Choose where you live to see the cover available to you.

Choose your country

or find out what travel insurance covers

Travel insurance protects you from what can go wrong away from home: a medical emergency, an accident, lost or stolen luggage, or having to cancel the trip before you set off. Outside your own country, a single visit to an emergency department can cost hundreds of euros, and a hospital stay or a medical flight home can run into tens of thousands.

Safe on Travel is a travel insurance brand that sells online, one country at a time. Each country has its own website, in its own language, where the people who live there can compare cover and buy their policy in a few minutes.

Where we sell travel insurance

We currently sell travel insurance in one country. Choose the country where you live:

Spain · España Travel insurance for people who live in Spain. Website and 24/7 assistance in Spanish. Go to Safe on Travel Spain →

Each website only sells policies to residents of its country, because the cover, the prices and the legal conditions depend on where you live. Where you are travelling to does not matter: from any of our countries you can insure a trip anywhere in the world.

YOUR COUNTRY IS NOT LISTED?

We are preparing new countries, and they will appear here as soon as they open. Until then we can only insure people who live in Spain. If you live somewhere else, look for a policy sold in your country of residence.

What Safe on Travel does

We design and sell travel insurance online. In every country where we operate, you can:

Insure one trip or a whole year: a single-trip policy for your holiday, or an annual policy that covers every trip you take in twelve months.
Add cancellation cover: get back what you have paid if a covered reason, such as an illness, stops you from travelling.
Match the policy to how you travel: families, groups, backpackers, long stays, students, business trips, cruises, sport and adventure activities, and Schengen visa applications.
Call for help at any hour: 24/7 assistance by phone, in your language, to find a doctor, arrange payment with the hospital or organise your return home.
Prepare your trip: destination guides with entry requirements, healthcare, risks and the cover worth having. The Spanish site already has 138 destination guides, written in Spanish.

Why we sell travel insurance country by country

A good travel insurance policy starts from where you live, not only from where you are going. That is why each country has its own Safe on Travel website:

Your public healthcare What your health system covers abroad depends on your country. EU residents, for example, can use the European Health Insurance Card in public hospitals across Europe, and the policy is designed to fill the gaps it leaves.

Your country's rules The contract, your rights as a consumer and the way to make a complaint follow the rules of the country where the policy is sold.

Your language The website, the policy documents and, above all, the emergency phone line are in the language you speak at home.

Your trips Prices, limits and destination guides are adapted to the currency of your country and to the trips people usually take from there.

What travel insurance covers

Every policy has its own limits and conditions, but good travel insurance should include at least the following cover:

Emergency medical expenses Doctors, emergency care, hospital stays, tests and medicines for an illness or an accident during the trip. Ideally, the insurer pays the hospital directly.

Medical repatriation Your journey home, or a transfer to a better-equipped hospital, when the medical team decides it is needed, with a companion if necessary.

24/7 assistance A phone number you can call at any time to be told where to go, get a payment guarantee and have help organised for you.

Baggage Loss, theft or damage to your luggage, and essential purchases if it arrives late.

Trip cancellation A refund of the non-refundable costs if you cancel before leaving for a covered reason. In many policies it is optional cover.

Early return and curtailment Your trip home if a close relative dies or is seriously ill, and the unused days of the trip.

Personal liability Damage you accidentally cause to other people or their belongings, for example in a hotel or while playing sport.

Delays and missed connections Extra costs caused by transport delays or a missed connection, as set out in each policy.

WHAT IS USUALLY EXCLUDED

Pre-existing medical conditions you have not declared, incidents under the influence of alcohol or drugs, high-risk sports you have not added to the policy, trips to areas your government advises against, and treatment arranged without calling the assistance line when the policy requires it. Always read the policy wording before you buy.

How to choose travel insurance: five checks

The medical limit: make sure it is high enough for your destination. A week in Portugal is not the same as a week in the United States, where healthcare is among the most expensive in the world.
Direct payment: check that the insurer pays the hospital, so you do not have to pay upfront and claim later.
The exclusions: pre-existing conditions, sports, pregnancy, age limits and destinations that are not covered.
The excess: the part of each claim you pay yourself even when it is covered.
The dates: the policy should last for the whole trip and, if it includes cancellation, be bought within the deadline set in the policy.

Travel insurance: frequently asked questions

What is travel insurance?

It is a policy that protects you during a trip against the unexpected: an illness, an accident, lost luggage or having to come home early. Depending on the cover you choose, it can also refund what you lose if you have to cancel before you leave.

In which countries does Safe on Travel sell travel insurance?

At the moment we sell travel insurance in Spain. Each country has its own website, in its own language, and new countries are added to this page as they open.

Can I buy Safe on Travel insurance if I live in another country?

Only if you live in a country where we operate, currently Spain. Each website sells policies to residents of its own country, because cover, prices and legal conditions depend on where you live. If your country is not listed yet, look for a policy sold in your country of residence.

Is travel insurance mandatory?

For most trips it is not, but some destinations ask for proof of medical insurance to let you in, such as Cuba or the Galápagos Islands. It is also compulsory if you need a Schengen visa: the policy must cover at least 30,000 euros for emergency medical care and repatriation, be valid in every Schengen country and last for your whole stay.

When should I buy travel insurance?

Always before you leave home. If you want cancellation cover, buy it as soon as you book, ideally the same day: many policies only cover cancellation if you take them out within a few days of booking, and never for a cause you already knew about.

Is the European Health Insurance Card enough?

No, although it helps. If you live in the EU, the card gives you access to public healthcare in the EU, the EEA, Switzerland and the United Kingdom on the same terms as local residents. It does not pay for private clinics, medical repatriation, cancellation or lost luggage, and it is not valid outside those countries.

What is the difference between single-trip and annual travel insurance?

A single-trip policy covers one journey, from the day you leave until you return. An annual policy covers every trip you take in twelve months, usually with a maximum length per trip, and tends to be cheaper if you travel two or three times a year or more.