Most countries do not require a tourist to have visitors medical insurance and so, the question of whether to purchase it does not arise. However, some countries in Europe require a visitor to have Europe travel insurance.

Some of these countries specify the minimum coverage that is acceptable. France, Germany, and Italy all require a tourist to show evidence of some insurance cover before issuing a valid visa. For insurance, to visit France, a tourist will need to furnish evidence of repatriation insurance. However, U.S. nationals are exempt from a visa for stays less than 90 days.

Typically, to visit Europe, a tourist will purchase a Schengen visa insurance that will satisfy the requirements of all the countries in the Schengen area. There is only one visa for countries that are party to the Schengen agreement. Great Britain is not party to the agreement, and requires a separate visa.

Europe travel insurance covers sudden medical conditions and accidents, and also provides coverage for emergency evacuation, repatriation, and accidental death and dismemberment benefits. Purchasing a travel insurance policy for Europe will help tourists visit several different countries without worrying about whether or not the plan is valid or sufficient in another country.