Why Canadians Shouldn’t Travel to Europe Without Insurance

If you’re heading to Europe anytime soon, travel insurance might not be the first thing on your mind, but honestly, it should be. Imagine being in Rome, enjoying gelato beside the Colosseum, when suddenly your wallet goes missing or you twist your ankle exploring a castle.

Medical bills and unexpected hiccups can ruin a trip, and trust us—they add up fast. Having travel insurance means you can relax and actually enjoy your vacation without stressing about “what ifs.” It covers everything from lost luggage to flight cancellations and is a tiny price to pay for peace of mind.

Europe is full of amazing experiences, and being covered lets you throw yourself into them—wander streets without a map, try new foods, and make memories that last. Really, it’s the kind of thing you don’t want to skip.

Honestly, yes. Even if you’re healthy and careful, accidents happen, and medical care abroad can be expensive. Travel insurance isn’t just for emergencies either—it also helps with lost luggage, delayed flights, or cancellations if life throws a curveball before your trip. For Canadians heading to Europe, it’s a small investment for peace of mind.

You should use your insurance as a safety net; you’ll enjoy your trip more knowing that if something unexpected happens, you’re covered. The last thing anyone wants is to come home with a huge medical bill or stress over replacing lost items from misplaced luggage. Travel insurance lets you focus on experiences, not “what ifs.”

Not every European country legally requires travel insurance, but some do—especially if you’re applying for a visa. For example, countries in the Schengen Area often require proof of coverage for medical emergencies if your stay exceeds 90 days. However, Canadians can travel to the EU visa-free for up to 90 days at a time.

Even when it’s not mandatory, having insurance is smart because European healthcare can be expensive for visitors. Some countries have public healthcare systems, but many will still charge tourists upfront—and without insurance, you’re paying out of pocket. For Canadians, it’s generally better to have coverage regardless of destination.

Consider the type of travel you’ll be doing, too. Adventurous activities like skiing, hiking, or cycling can increase your risk, while making insurance more valuable. So it’s not universally required—but it’s practically essential if you want a worry-free trip.

When traveling in Europe, you’ll likely take a lot of public transportation—including trains. Don’t throw away your ticket once you’re onboard. Conductors may check or scan tickets during the ride, and if you can’t show one, you can be fined even if you bought it. To train staff, no ticket means no payment—so always keep it handy.

Always keep a physical copy of your passport and store digital versions securely online. If it’s lost or stolen, having backups will save you time and stress. Embassies and consulates can issue replacements faster if you have ID copies ready.

Use secure payment methods whenever possible, but keep some cash for small purchases or areas that don’t take cards. Having multiple payment options gives flexibility and security—especially in markets, small towns, or while using public transit.

Pickpocketing is common in crowded tourist areas. A crossbody bag or money belt helps keep belongings safe. Stay alert in metros, train stations, and attractions—keeping valuables close prevents unnecessary stress.

Even a simple “hello” or “thank you” in the local language makes a big difference. It shows respect, makes interactions friendlier, and can help if you need assistance. Most Europeans speak English, but locals appreciate the effort.

Traveling to Europe is a bucket-list experience every Canadian should try at least once. But being prepared makes all the difference—and that’s where travel insurance comes in. No one plans for accidents, delays, or lost luggage, but these things happen more often than we’d like.

With the right coverage, you can handle those surprises without letting them derail your trip. Instead of worrying about medical bills or cancellations, focus on the good stuff: wandering cobblestone streets, discovering hidden cafés, and making unforgettable memories.