Which countries are covered by European travel insurance?

Which countries are covered by European travel insurance depends on insurer's definition of Europe, but generally European travel insurance covers all European Union EU countries, plus often UK, EEA and some extra countries. For Australian travel insurance policies that have Europe region, Europe typically includes 44 to 50 countries including Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, plus UK, Norway, Iceland, Liechtenstein, Switzerland, Turkey, and sometimes Russia west of Urals, and sometimes Morocco, Tunisia and Egypt as extension. For European Health Insurance Card EHIC and UK Global Health Insurance Card GHIC, coverage is EU 27 plus Iceland, Liechtenstein, Norway, Switzerland and UK, total 32 countries, covering medically necessary public healthcare. For Schengen travel insurance required for Schengen visa, you need cover for all 29 Schengen states including Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland. Always check your insurer's PDS for exact country list, because some budget European policies exclude Turkey, Russia or non-EU Balkans like Albania and Serbia unless you buy Worldwide.