Quote by kabundi
Presently travel insurance for Europe seems to be split into two zones, one that covers most countries but excludes a few countries like Spain, Cyprus etc. This seems to be referred to as Europe 1.
The second zone covers all countries including those excluded from Europe 1. This all inclusive zone seems to be referred or as Europe 2 and is more expensive than Europe 1. When I queried this I was told it was because health care in the excluded countries was more expensive.
I've never come across that and I've been buying holiday insurance on and off for over 30 years and have had reason to use medical facilities in France and Spain. Although there may be 'cheap' policies which do have Europe split in two for the reasons you mentioned.
I've only ever seen three options, Europe, Worldwide excluding US & Canada and Worldwide including US & Canada