What is the difference between Europe 1 and Europe 2?

The difference between Europe 1 and Europe 2 varies depending on the policy you have purchased, although not always massively:

Direct Travel or Allsafe (Allianz)
EUROPE 1 - Albania, Andorra, Austria, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands (Guernsey, Jersey, Alderney, and Sark), Corsica, Croatia, Czech Republic, Denmark (inc. Faroe Islands), Estonia, Finland, France, Germany, Gibraltar, Holland (Netherlands), Hungary, Italy, Kosovo, Latvia, Lithuania, Luxembourg, Moldova, Monaco, Montenegro, North Macedonia, Poland, Portugal (inc. Azores), Republic of Ireland, Romania, San Marino, Sardinia, Serbia, Slovakia, Slovenia, Sweden, Switzerland, Ukraine, and Vatican City.

EUROPE 2 - Those countries listed above in ‘EUROPE 1’, as well as: Cyprus, Greece (inc. Greek Islands), Iceland, Liechtenstein, Madeira, Malta, Norway, Russia (West of Urals), Spain (inc. Balearic and Canary Islands), and Turkey.

Fit2Travel (Arch)
EUROPE 1 - Aland Islands, Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Belgium, Bosnia, Bulgaria, Channel Islands, Corsica, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Germany, Gibraltar, Georgia, Greece, Greek Islands, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Sardinia, Serbia, Slovakia, Slovenia, Sweden, Switzerland, Tunisia, Vatican City.

EUROPE 2 - All countries listed in ‘EUROPE 1’, including Spain, the Balearics, the Canaries, and Madeira.

Direct2Insure (White Horse)
EUROPE 1 - Aland Islands, Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Belgium, Bosnia, Bulgaria, Channel Islands, Corsica, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Germany, Gibraltar, Georgia, Greece, Greek Islands, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Sardinia, Serbia, Slovakia, Slovenia, Sweden, Switzerland, Tunisia, Vatican City.

EUROPE 2 - All countries listed in ‘EUROPE 1’, including Spain, the Balearics, the Canaries, and Madeira.

Freespirit (Canopius)
EUROPE 1 - Austria, the Azores, Belgium, Bulgaria, Channel Islands, Corsica, Croatia, Czech Republic, Denmark (inc. Faroe Islands), Finland, France, Germany, Gibraltar, Hungary, Iceland, Ireland, Italy, Liechtenstein, Luxembourg, Madeira, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Russia (west of Urals), San Marino, Sicily, Slovak Republic, Slovenia, Sweden.

EUROPE 2 - All countries listed in ‘EUROPE 1’ and the remaining countries west of the Ural mountains, Andorra, Cyprus, Greece, Morocco, Spain (inc. Balearic and Canary Islands), Switzerland, Tunisia, Turkey.

Goodtogo (Red Sands)
EUROPE 1 - Albania, Andorra, Austria, Azores, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Corfu, Corsica, Crete, Croatia, Czech Republic, Denmark, Eire (Republic of Ireland), Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Holland (Netherlands), Hungary, Iceland, Italy, Kos (Greek Island), Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Moldova, Monaco, Montenegro, Morocco, Norway, Poland, Portugal, Rhodes, Romania, Russia (West of the Ural Mountains), San Marino, Sardinia, Serbia, Slovakia, Slovenia, Sweden, The Channel Islands, Tunisia, Ukraine, United Kingdom, Vatican City.

Excluding Spain, the Balearics, the Canaries, Turkey, Cyprus, Malta, Egypt, Israel, Jordan and Switzerland.

EUROPE 2 - All countries listed in ‘EUROPE 1’, including Spain, the Balearics, the Canaries, Turkey, Cyprus, Malta, and Switzerland.