How do you know if your insurance covers Europe depends on whether you mean Australian travel insurance, Australian health insurance, or car insurance, but for travel insurance the way to check is to look at your Product Disclosure Statement under geographical limits and country list. For Australian travel insurance policies from Cover-More, Allianz, 1Cover, Southern Cross and World Nomads, Europe is included under Worldwide or Europe region, but you must check that your policy includes all Schengen countries you plan to visit, and that medical cover is at least €30,000 as required for Schengen visa, though unlimited or $1M+ is recommended. Look in PDS for definition of Europe or Worldwide, which should list UK, EU, Turkey, Russia and sometimes include Morocco and Egypt. Check that your policy covers medical, hospital, evacuation and repatriation in Europe, and that it is valid for entire duration. For Australian private health insurance like Bupa, Medibank, HCF, it generally does not cover you in Europe except limited overseas emergency via some extras, so you need separate travel insurance. For car insurance, Australian comprehensive does not cover Europe. For European Health Insurance Card EHIC, it covers EU plus EEA and Switzerland but not Australia. To confirm cover for Europe, check your certificate of insurance for destination, call insurer to confirm countries, ensure pre-existing conditions declared, and check if adventure activities like skiing in Alps need extra cover. Always carry printed certificate for border.
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