ehic travel insurance with medical conditions

Get healthcare cover abroad with a UK GHIC or UK EHIC

The UK Global Health Insurance Card (GHIC) lets you get necessary state healthcare in the European Economic Area (EEA), and some other countries, on the same basis as a resident of that country. This may be free or it may require a payment equivalent to that which a local resident would pay.

The UK GHIC has replaced the existing European Health Insurance Card (EHIC). If you have an existing EHIC you can continue to use it until the expiry date on the card. Once it expires, you'll need to apply for a UK GHIC to replace it.

You can apply for a new card up to 9 months before your current card expires.

A UK GHIC is free and lasts for up to 5 years. Apply for your new card through the NHS website. Avoid unofficial websites – they may charge you a fee to apply.

If you have rights under the Withdrawal Agreement, you can choose to apply for a new UK EHIC instead.

The UK GHIC is not a replacement for travel insurance. We advise you to have private travel and medical insurance for the duration of your trip.

We also recommend you check FCDO travel advice on GOV.UK for the country you're visiting.

You can apply for a UK GHIC if you're a resident in the UK. You can also add your family members to your application when you apply.

You'll need to provide your:

• date of birth
• National Insurance number
• Health and Care number (if you're from Northern Ireland)

Applying for family members

Every member of your family needs their own card. You can add your spouse, civil partner and children to your application when you apply. You must enter your own details first and apply for any additional cards when prompted.

If you've already completed your application and want to add additional family members contact NHS Overseas Healthcare Services . You'll need to give us your reference number, name, date of birth and address so we can access your record.

After you apply

After you've submitted your application, we'll email you within 24 hours to let you know whether it has been approved or not (if you don't get a reply, check your junk folder). We may need to see additional information or documents before approving it.

Once your application has been approved, you should receive your new card within 15 working days. It will be sent to you by post.

If you do not receive it before you travel, and need medically necessary treatment during your visit, you can apply for a Provisional Replacement Certificate (PRC) to get temporary cover. For more information, see "If you don't have your card with you" towards the end of this page.

If you have rights under the Withdrawal Agreement

If you have rights under the Withdrawal Agreement, you can choose to apply for a new UK EHIC rather than a UK GHIC. Like the UK GHIC, it's free and lasts up to 5 years. You can find out if you have rights under the Withdrawal Agreement on GOV.UK .

What your card covers

You can use your card to get state healthcare that cannot reasonably wait until you come back to the UK (sometimes called "medically necessary healthcare"). This includes things like:

• emergency treatment and visits to A&E
• treatment or routine medical care for long-term or pre-existing medical conditions
• routine maternity care, as long as you're not going abroad to give birth

You'll need to pre-arrange some treatments with the relevant healthcare provider in the country you're visiting – for example, kidney dialysis or chemotherapy – as it's not guaranteed that local healthcare providers will always have the capacity to provide this care.

Whether treatment is medically necessary is decided by the healthcare provider in the country you're visiting.

Not all state healthcare is free outside of the UK. You may have to pay for treatment that you would get for free on the NHS, if a local resident would be expected to pay in the country you're visiting.

Before travelling, you should check the state-provided healthcare services in the country you're visiting and any potential charges you may face.

Check the relevant country guide on GOV.UK for information on how to access treatment in the country you're visiting

What your card does not cover

A UK GHIC (or UK EHIC) does not replace travel and medical insurance or cover services like:

• being flown back to the UK (medical repatriation)
• treatment in a private medical facility
• ski or mountain rescue

We advise that you have a UK GHIC (or UK EHIC) and private travel and medical insurance for the duration of your trip.

Where you can use your card

You can use a UK GHIC when you're visiting:

• a country in the European Economic Area (EEA) – see a list of EEA countries on GOV.UK
• Jersey, Guernsey and the Isle of Man
• St Helena, Tristan and Ascension

You can use a UK GHIC in Switzerland if you're one of the following:

• a British national
• a Swiss national
• an EU citizen
• a stateless person
• a family member of someone who holds one of the above nationalities or statuses

The UK government is negotiating with other countries to expand the use of the UK GHIC, so always check coverage before you travel.

You can use a UK EHIC when you're visiting:

• Switzerland

Visiting Montenegro

You can get free emergency treatment in Montenegro but you'll have to pay for your prescribed medicines and for other medical treatment.

If you're a UK national, your UK passport will give you access to emergency healthcare in Montenegro.

If you're a UK resident but not a UK national you'll need your passport and a UK GHIC (or UK EHIC) to get emergency healthcare.

Getting healthcare in other countries

You'll have to pay for treatment unless the UK has a healthcare agreement with that country .

Check if you're eligible for a UK GHIC

You'll be entitled to a UK GHIC if both of these things apply:

• you're ordinarily and legally resident in the UK
• you do not have healthcare cover provided by an EEA country or Switzerland

There is information about what "ordinarily resident" means on GOV.UK

You may also be entitled to a UK GHIC if you're:

• living in the EEA or Switzerland with a registered S1 form
• living in the EEA or Switzerland with an A1 document issued by the UK
• a family member or dependant of an entitled individual already listed

Check if you're eligible for a UK EHIC

You may be eligible for a new UK EHIC if you meet one of the following criteria:

• you're living in the EEA or Switzerland and have been since before 1 January 2021 with a registered S1, E121, E106 or E109 form issued by the UK
• you're living in the EEA or Switzerland since before 1 January 2021 with an A1 issued by the UK
• you're a national of the EEA or Switzerland who has legally resided in the UK since before 1 January 2021 and are covered under the Withdrawal Agreement – you may not be covered if you are also a UK national or if you were born in the UK
• you're a family member or dependant of an entitled individual already listed

If your circumstances change and you no longer meet one of the above criteria, you may not be entitled to continue using the card and should contact NHS Overseas Healthcare Services .

You must be entitled to use your UK GHIC or UK EHIC at the time of the treatment. If you use it to access healthcare that you're not entitled to, you may be liable for the full cost of all treatment received or face prosecution.

Applying for a UK Student EHIC or UK GHIC

To apply for a UK Student EHIC or UK GHIC, you'll need a letter from your university or college showing:

• the name and address of the UK educational institution if you're travelling as part of your course
• the address of where you're studying in the EEA or Switzerland
• details of the qualification you're studying for
• the dates your study period in the EEA or Switzerland started and is due to finish
• your permanent residential address in the UK

If the letter from your university or college does not include your permanent residential address in the UK, you'll be asked to provide further evidence to confirm this.

This is in addition to the information set out in "How to apply" above.

Students studying in the EEA or Switzerland applying for a UK Student EHIC or UK GHIC

If you normally live in the UK and have been studying in the EEA or Switzerland since before 1 January 2021, you may be eligible for a new UK Student EHIC for use in the EEA, Switzerland and your country of study.

If you started your course after 1 January 2021, or you're planning to study in an EEA country or Switzerland, you'll need to apply for a UK Student GHIC.

Using a UK GHIC (or UK EHIC) when abroad

You should take your UK GHIC (or UK EHIC) with you when you travel abroad. If you need medically necessary treatment, you'll need to present the card to the hospital (or other service provider) that is treating you – make sure that you are being treated at a public health provider and not a private one. Keep all receipts and paperwork.

Depending on the country you visit you may be expected to pay all or part of your bill upfront and then claim a refund afterwards.

Some countries ask patients to pay a contribution towards the cost of their care. This is known as a co-payment or patient share. You can claim back the difference between the total bill and the co-payment, but the actual co-payment is not refundable.

Your UK GHIC or UK EHIC will not cover costs that a local resident would have to pay.

If you don't have your card with you

If you need emergency treatment when you're in another country and do not have your UK GHIC (or UK EHIC) with you, you can apply for a Provisional Replacement Certificate (PRC). A PRC gives you the same level of cover as a UK GHIC or UK EHIC.

A PRC also covers you if you've applied for a UK GHIC or UK EHIC and it has not arrived yet.

Find out more about PRCs and how to apply for one

You'll need to pay in full for treatment if you do not have a UK GHIC, UK EHIC or PRC. You should ask for a copy of your invoice and obtain a receipt.

How to claim a refund

To claim a refund for healthcare covered by your UK GHIC or UK EHIC, you'll need to download and fill in a refund claim form and send it to NHS Overseas Healthcare Services. You should include receipts and any supporting documents with your claim form.

Find out how to claim a refund for healthcare covered by your UK GHIC or UK EHIC

Incorrect charges for treatment

If you think you've been incorrectly charged for medical treatment, contact NHS Overseas Healthcare Services .

Keep all documents relating to your treatment. You may need to provide more information to confirm your eligibility and the cost of the treatment you had. This could include:

• receipts or invoices relating to treatment
• confirmation that the treatment was state-provided
• confirmation of payments made to healthcare institutions
• documents relating to insurance cover if your insurer paid for treatment
• discharge documents

NHS Overseas Healthcare Services will look at your claim to decide whether you were charged when you should have been covered. If they determine that your treatment should have been covered by the UK GHIC or UK EHIC, they'll reimburse you or your insurer for the costs of treatment that are covered by your card.

If you suspect GHIC or EHIC fraud

If you suspect that somebody has fraudulently applied for or used a UK GHIC or UK EHIC they are not entitled to, you can report this to the NHS Counter Fraud Authority .

Alternatively, you can email your concern to [email protected] Only emails about the misuse of GHIC or EHIC will be responded to.

Page last reviewed: 12 December 2023 Next review due: 12 December 2026

Guide to GHIC, EHIC & Travel Insurance

Dr Sarah Jarvis is the Clinical Director of the Patient Platform, an active medical writer, broadcaster, and the resident doctor for BBC Radio 2.

If you’re heading off on holiday, the last thing you want is to get ill while you’re away. But accidents and medical emergencies do happen, and they can cause long-term financial disaster as well as short-term stress. By taking precautions in advance, you can relax and enjoy your well-earned rest – or set off with confidence on a new adventure.

In this guide, we'll explore the safety nets available to travellers, namely the Global Health Insurance Card (GHIC), the European Health Insurance Card (EHIC), and comprehensive travel insurance. These tools are your best allies in mitigating the financial strain of unexpected illnesses or Understanding the protection each of these options offers is key to ensuring peace of mind during your travels.

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What is the difference between GHIC and EHIC?

On 11 th January 2021, the government announced that UK citizens would be able to apply for a Global Health Insurance Card, launched as part of a UK/EU deal.

Before the UK left the EU, you could apply for a European Health Insurance Card (EHIC). The UK Global Health Insurance Card (GHIC) has now replaced the EHIC. However, if you have an existing EHIC that hasn’t expired, you can keep using it until the expiry date. Once it reaches that date, you’ll need a GHIC instead – like the old EHIC, these are valid for 5 years. You can apply for your new card up to 9 months before your current card expires.

Confusingly, the list of countries you can use a GHIC in is slightly different from the countries you’re eligible under an EHIC. So if you’re travelling outside the EU, it’s worth checking if you need to apply for a GHIC even if you have an EHIC.

More confusingly still, the rules are slightly different in some countries if you’re not both a UK national and a UK resident. So the rest of this article assumes that you’re both. If you aren’t, you can find out more from the NHS website .

If you have a GHIC, you can use it in:

• Any EU country
• Montenegro (emergency treatment is free but you’ll need to pay for other treatment)
• Jersey, Guernsey and the Isle of Man
• St Helena, Tristan and Ascension
• Switzerland

If you’re visiting Norway, you can get medically necessary treatment by showing your UK passport, as long as you’re living in the UK.

If you have a UK EHIC, you can use it in:

• An EU country
• Liechtenstein

Do I always need travel insurance?

The short answer is yes , absolutely .

As a UK national and resident, some costs may be covered in some countries if you have a European Health Insurance Card (EHIC) or UK Global Health Insurance Card (GHIC). But the important word here is ‘some’. Government websites advise that even if you’re eligible for EHIC/GHIC cover:

• You should also have travel insurance with healthcare cover.
• An EHIC or GHIC is not a replacement for travel insurance. Make sure you have both before you travel.
• If you have a health condition, you should buy travel insurance with cover for your pre-existing medical condition .

Why do I need travel insurance if I have a GHIC or EHIC?

Even if you’re able to use a GHIC or EHIC, the care you get may not be free as it is on the NHS. For instance, it only covers “medically necessary healthcare” – that’s emergency treatment, or treatment that can’t wait until you get back to the UK. Even then, you can only get the treatment in a limited number of healthcare facilities which provide state-run services.

The country you’re in will decide whether the treatment you need is “medically necessary”. For instance, if you want routine follow-up for a long-term health condition, they may decide that it could wait until you got back to the UK – in that case, it wouldn’t be classed as medically necessary while you’re abroad.

If you have conditions which require regular treatment – such as kidney dialysis, chemotherapy or routine maternity care – you may only be able to access them if you’ve made arrangements in advance. This can usually be done through your hospital team in the UK.

You can check the individual country you’re visiting on the government website to see what they do cover and how you can access them.

What does an EHIC or GHIC not cover?

Even if you’re visiting a country covered by your EHIC or GHIC, you’ll still have to pay for:

• Medical repatriation to the UK. If you can’t get the care you need in the country you’re in, or if you need special arrangements because of your illness, you may require medical repatriation. This might include the cost of a specially equipped aircraft which can fly at higher altitude to reduce turbulence. You may need medical staff to accompany you. You could need ambulance transport to and from the airport. As you can imagine, the cost of all of these can be enormous.
• Ski or mountain rescue . Specially trained teams can bring you back if you have an accident on the slopes or in the mountains – but all these services are private.
• Treatment in a private medical facility . Your GHIC/EHIC only covers you for state-provided healthcare facilities – and the amenities here may be very different to what you’d expect in the UK.
• Costs local residents would pay . In many countries, local patients are expected to cover some of the cost of treatment, or only some treatments are covered, or treatment is covered but medication is not. All these costs would need to be paid back by your insurance company – or you’d have to cover them yourself if you’re not insured.
• Giving birth if you’ve gone abroad in order to give birth.

What about other countries?

The UK has ‘reciprocal healthcare agreements’ with several other countries. The type of treatment, and the proportion of the costs covered, vary from country to country.

You can find out more details by checking the list on the gov.uk website .

How do you get a GHIC card?

You can find out more about the GHIC card requirements from the NHS website and apply for free through there too. You'll need to provide your:

• Date of Birth
• National Insurance or NHS number (England and Wales)
• CHI number (Scotland)
• Health and Care number (Northern Ireland)

You'll need to apply at least two weeks before you plan to travel to ensure your card arrives on time. It makes sense to check your EHIC card now and apply for a GHIC card as soon as possible if your EHIC has expired.

What if I don’t have a GHIC or EHIC?

If you’ve applied for a GHIC but haven’t received it – or if you have an EHIC/GHIC but don’t have it with you - you can apply for a Provisional Replacement Certificate (PRC ).

If you don’t have any of these with you, you’ll need to pay for your treatment in full at the time. You may be able to claim some of your costs back by applying to the NHS Business Services Authority – so do make sure you keep all your original invoices, proof of all payments you’ve made and any other paperwork.

How long does it take to get a GHIC card?

It usually takes between 10 and 14 days for a GHIC application to be processed; once the application has been processed and approved, your card should be in the post within 2-3 working days. It is always worth applying for a GHIC card at least 3 weeks before travelling to allow for any complications or delays in your application.

What do you need to look out for in a travel insurance policy now the UK has left the EU?

It will be more important than ever to make sure your travel insurance also provides medical cover, especially if you have any health conditions which you need to disclose. Healthcare costs can be eye-wateringly expensive in certain countries and having protection against these costs will be worth it in the long run.

You may also want to consider taking out a policy which includes  Scheduled Airline Failure  cover (sometimes known as SAFI) or Supplier Failure cover. These will help protect you should your airline, travel provider or accommodation provider get into difficulty and are no longer able to offer their services for your trip.

Will the rules change about which medicines you can and cannot bring into Europe?

The medicines you're allowed to bring into a given country depend on the laws of that individual country. This is unchanged by Brexit.

Each country makes its own rules about which medicines you can bring into the country and the maximum quantity you can carry. You can find out more about travelling with drugs to any country, including those in Europe, from our article and video on  travelling with medication .

While the drugs most often prohibited are 'controlled drugs' such as powerful painkillers, there are some surprising exclusions. That's why it's always worth checking with the  embassy of the country you're visiting before you travel if you're planning to take any medication with you.

How do state-run services abroad compare with the NHS?

That very much depends where in the world you’re going. In most parts of Europe, as well as in Australia, medical services and hospital facilities are of high quality. However, I’ve visited many hospitals further afield in my career as a doctor. I can confirm that in more far-flung countries, they vary enormously. I’ve seen facilities with water running down the walls, cockroaches on the floor and limited hygiene.

You may find yourself in an area where you’re expected to provide your own food, or your family is expected to carry out nursing and personal hygiene tasks. In some countries, access to single-use sterilised equipment can’t be taken for granted.

In these situations, it’s even more important to have an emergency insurance number to call to get advice on recommended facilities. But wherever you go, travel insurance with a specialist provider who can give guaranteed cover for your medical condition is a must for peace of mind.

Will I need to show physical proof of travel insurance?

Whether you will be denied treatment if you don't have proof of travel insurance will depend on the treatment and the country you're visiting. The last thing you need, if you’re unwell, is to be fretting about whether you can get treatment.

So, you should always take a copy of your travel insurance with you when you travel. If possible, we recommend keeping a paper copy and a backup online copy in case your belongings are lost. We also advise them to keep a note of the emergency number of their travel insurer and to leave a copy with someone who isn't travelling in case they lose their records.

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If you don't travel much then a single trip cover is perfect as you can cover specific dates suited to your trip. If you have cancellation cover, you'll also benefit from this as soon as you buy your policy.

If you travel 2 or more times a year, it may be cheaper for you to go for an annual multi-trip cover. It's best to start your annual trip cover as soon as possible, as if you have cancellation cover, you'll only benefit from this from your policy start date.

It is simple and quick to do! After you've told us about your trip details and answered some medical history questions you can add your pre-existing conditions, one by one, for each traveller. You'll only need to enter your details once, it's all online and there's no need to call, or provide details of your conditions in writing.

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The ultimate guide to ehic and ghic cards: what you need to know.

Weronika Popiolek

Marketing & PR Coordinator

The free EHIC and GHIC cards serve as a bridge to peace of mind for travelers within Europe, granting them access to state-provided healthcare during temporary stays. This access can range from emergency medical care to treatment for chronic conditions or routine maternity care, ensuring that your health is never a barrier to exploring the cultural riches of Europe. Moreover, holding an EHIC or GHIC could potentially save travelers substantial expenses, as these cards often allow for reduced costs or free services that would otherwise be out-of-pocket. It is important to note, however, that with the transition from the EHIC to the GHIC due to changes in the UK’s relationship with the EU, understanding which card you need and how to apply becomes all the more crucial.

Always keep in mind that while EHIC and GHIC provide significant health coverage, they do not replace comprehensive  travel insurance , making it critical to secure both for well-rounded protection against unforeseen events.

What is an EHIC card?

The European Health Insurance Card (EHIC) is a free card that gives you the right to access state-provided healthcare during a temporary stay in any of the 27 EU countries, along with Iceland, Liechtenstein, Norway, and Switzerland, under the same conditions and at the same cost (free or reduced-cost) as people insured in that country. Cards are issued by your national health insurance provider.

• Indispensable for Travelers: The card is essential for business travelers, tourists, and students who are looking to stay in Europe temporarily and want the peace of mind that they won't face substantial medical bills should they fall ill or have an accident.
• Covers Pre-existing Medical Conditions: Unlike some travel insurance policies, the EHIC includes coverage for pre-existing medical conditions.
• Ease of Use: When you go to a hospital or doctor that's part of the public health system in the country you're visiting, you typically only need to show your EHIC to receive medical treatment at reduced costs or sometimes for free.
• Valid for Several Years: The card is not a one-time use item; it usually has a validity period of several years (often up to 5 years) before it needs to be renewed.

Limitations of the EHIC:

It’s important to note that the EHIC is not an alternative to travel insurance. It won’t cover any private medical healthcare or costs such as a return flight to your home country or lost/stolen property, and it does not guarantee free services. As each country’s healthcare system is different services that cost nothing at home might not be free in another country.

GHIC – The Global Health Insurance Card:

Following the United Kingdom’s departure from the European Union, the new Global Health Insurance Card, or GHIC, has been introduced to replace the UK’s EHIC for those who are eligible. UK residents can apply for a GHIC for free, and like the EHIC, it entitles travelers to state-provided medical treatment in EU countries. However, GHIC is not valid in Norway, Iceland, Liechtenstein or Switzerland.

Key Features of the GHIC:

• Post-Brexit Solution: The GHIC ensures that UK residents can still access healthcare in Europe post-Brexit.
• Broad Coverage: It includes treatments that become medically necessary during your visit, due to either illness or an accident.
• Application is Free: There is no fee associated with the application for a GHIC, and it should only be obtained through official channels to avoid potential scams.
• Reciprocal Healthcare Agreements: The UK is working on establishing bilateral agreements with the remaining EEA nations (Norway, Iceland, Liechtenstein) and Switzerland to secure healthcare provisions for UK travelers.

Remember, in some countries medical care is free, and in some you’ll pay, but only the same as a local. Ensure you show your card before treatment, and keep any receipts.

Here’s a list of links to the relevant European Commission pages:

• Czech Republic
• Netherlands

The GHIC is not valid in these countries. But you can use your EHIC if it hasn’t expired:

• Liechtenstein
• Switzerland

If I have an EHIC/GHIC, do I need travel insurance when traveling in Europe?

Carrying an EHIC or GHIC serves as a safety net for travelers. The importance of these cards cannot be overstated. They can drastically reduce the costs associated with receiving medical attention abroad, which can be incredibly high, especially for tourists. Healthcare costs in different countries are often much higher for individuals without insurance or an EHIC/GHIC.

For instance, something as seemingly simple as a broken limb or a severe cold could translate to hundreds, if not thousands, of euros in medical fees. With an EHIC or a GHIC, the cost would be significantly lowered, and in some cases, the treatment might be free. This can ensure that you do not find yourself in a financial crisis due to unforeseen medical expenses during your European travels.

Moreover, in some European locations, being able to show your EHIC or GHIC might be necessary to access any state healthcare at all. This means the difference between getting immediate help or going through the stress and hassle of paying upfront or seeking private healthcare options.

In case of an emergency, always carry your EHIC/GHIC card with you. You should contact the emergency services number of the country you are in and show them your card. The EHIC/GHIC card covers essential medical care at a reduced cost or sometimes for free. However, it is not a substitute for travel insurance and does not cover non-medical costs, such as lost or stolen property, cancelled flights or accommodation, amongst others. Find out more about our  Travel Insurance  and what cover options may be available to you.

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Do I need travel insurance if I have the GHIC or EHIC?

There are benefits to having travel insurance even if you have a valid European Health Insurance Card (most commonly referred to as the EHIC) or Global Health Insurance Card (GHIC). Understand what the EHIC and GHIC are, and how they might come in handy if you become unexpectedly ill when you’re travelling.

What is a GHIC?

This is the UK Global Health Insurance Card, which gives you access to state healthcare in the EU if you need it. The GHIC is the post-Brexit alternative to the EHIC.

More information about the GHIC and any restrictions and limitations on it can be found on the NHS website .

What is the EHIC?

EHIC is short for the European Health Insurance Card. It’s a card that lets you benefit from the health care arrangements that exist between countries within the European Union (EU) and Switzerland. Since Brexit, EHIC holders can continue to use the card until it expires.

More information about the EHIC can be found on the UK government website .

What do the GHIC and EHIC cover?

Both cards cover emergency or necessary medical care through a state healthcare system, such as routine medical care for pre-existing conditions. It lets you get treatment for the same cost as someone who lives in the country you’re visiting. Treatment might be free or it might come with a cost, but it will be much cheaper than it would be without the card.

The cards don’t cover elective or private medical treatment. More information about what the cards cover can be found on the UK government website .

What restrictions are there on the GHIC and EHIC?

The EHIC and GHIC may not be valid in every European country, and there may be restrictions on what it can be used for in some places like Switzerland. More information can be found on the UK government website .

Tips for travelling with a health condition

The EHIC and GHIC are useful whether you have an existing medical condition or not. Both cards cover emergency or necessary medical care, such as routine medical care for pre-existing conditions. This might include dialysis, oxygen treatment or routine maternity care or check ups for pre-existing medical conditions. Whether the treatment is necessary is decided by the healthcare provider in the country you’re visiting.

If you’re likely to need access to treatment for a pre-existing medical condition while you’re away, such as dialysis or oxygen therapy, be sure to talk to your doctor in the UK before you travel. You may be required to pre-arrange appointments.

If you’re planning to travel with medications, you might need a letter to show at the airport or customs if your medicine includes a ‘controlled drug’. If this is the case, your doctor will be able to help. Where possible and with the agreement of your medical practitioner, you should travel with plenty of extra medication in case of travel delays.

The NHS website offers additional information how to use your card, and where you can or cannot use it.

For a little more help when it comes to choosing your policy, have a look at our guide to taking out travel insurance when you have a pre-existing medical condition .

Do I need travel insurance if I hold an EHIC/GHIC?

The EHIC and GHIC are not replacements for travel insurance, and bear in mind that they can only be used in certain countries. You may end up with medical expenses that aren’t covered by the EHIC/GHIC arrangement, and having a travel insurance policy could help cover those unexpected costs.

Travel insurance also offers cover for more than costs of medical treatments. It may also pay for next of kin to fly out and stay with you if you're seriously ill, or repatriation to get you home. Depending on your level of cover, it can help with things like breakages, lost luggage, travel disruption and cancellation. Find out more about our Travel Insurance and what cover options may be available to you.

If you’re travelling outside of the EU, your destination might have a reciprocal healthcare agreement with the UK. Find out more information on the UK government website .

Confused by all the technical terms? Check out our travel insurance glossary .

Looking for some more information?

Key product information.

Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A.

Important information

The content on this page aims to offer an informative introduction to the subject matter but does not constitute expert financial advice specific to your own situation. All facts and figures were correct at time of publication and were compiled using a range of sources.

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UK launches Global Health Insurance Card

New agreement ensures the rights of UK residents to access emergency and medically necessary care when travelling in the EU will continue.

UK’s new Global Health Insurance Card ( GHIC ) launched as part of UK–EU deal

Global Health Insurance Card ( GHIC ) will gradually replace existing European Health Insurance Cards ( EHIC )

UK residents will now be able to apply for a UK Global Health Insurance Card ( GHIC ), the government announced today.

Under Britain’s new agreement with the EU, UK residents’ rights to emergency and medically necessary healthcare will continue when travelling in the EU. This includes medically necessary treatment for a pre-existing or chronic condition.

Current European Health Insurance Cards ( EHIC ) are valid as long as they are in date and people can continue to use these when travelling to the EU.

The public only need to apply for their new GHIC when their current EHIC expires. Both cards will offer equivalent protection for emergency and medically necessary healthcare needs when in the EU on a temporary stay, which includes holiday, study and business travel.

The new GHIC card is free to obtain from the official GHIC website . People should apply at least 2 weeks before they plan to travel to ensure their card arrives on time.

Minister for Health Edward Argar said:

Our deal with the EU ensures the right for our citizens to access necessary healthcare on their holidays and travels to countries in the EU will continue. The GHIC is a key element of the UK’s future relationship with the EU and will provide certainty and security for all UK residents.

Cover for emergency and medically necessary healthcare is part of a wider healthcare agreement struck with the EU that will see continued cooperation on healthcare for UK residents.

If a UK resident is travelling without a card, they are still entitled to necessary healthcare and should contact the NHS Business Services Authority ( NHS BSA ) (which covers the whole of the UK), who can arrange for payment should they require treatment when abroad.

EU member state EHICs will continue to be accepted by the NHS.

Alongside the deal with the EU, the UK is open to agreeing further reciprocal healthcare arrangements that can support UK residents when they travel.

The government always advises that anyone travelling overseas, whether to the EU or elsewhere in the world, should take out comprehensive travel insurance. 

Background information

All UK residents are eligible to apply for a GHIC which will be valid and recognised in the EU.

GHIC is free via the official website . Any sites which include a charging fee are in no way affiliated with the official NHSBSA GHIC service.

The government recognises sensitivities around flags in Northern Ireland. As such, residents in Northern Ireland will be provided with an option to choose an alternative version of the GHIC card, which they will be able to apply for shortly. Keep checking  www.nhs.uk/ GHIC  for updates.

Under existing Common Travel Area arrangements with Ireland, UK residents will continue to be able to access necessary healthcare in Ireland by showing proof of residency documentation (such as a UK driving licence, a biometric residence permit, or a Northern Irish medical card) or EHIC or GHIC as used elsewhere in the EU.

The GHIC covers medically necessary state-provided healthcare at a reduced cost or, in many cases, free of charge, until your planned return home.

A temporary stay is a period during which you are staying in a place other than the one where you usually live and you do not move your ‘centre of interest’ there. For example, this can include holiday, study and business travel.

Necessary healthcare means healthcare that becomes medically necessary during your stay and for which you cannot reasonably wait until you’re back in the UK to get. This includes medically necessary treatment for a pre-existing or chronic condition. Some treatments will need to be pre-arranged with the relevant healthcare provider in the country you’re visiting, for example kidney dialysis or chemotherapy.

Necessary healthcare does not include healthcare that you travel specifically to receive, although individuals who want to seek planned treatment in a member state may be covered under the broader healthcare arrangements with the EU. Read more information on planned treatments .

If a UK resident requires emergency or medically necessary treatment while in the EU, and doesn’t have a GHIC or EHIC , a Provisional Replacement Certificate ( PRC ) can be obtained which will provide the same coverage for healthcare as GHIC or EHIC . The PRC can only be requested at the point of requiring care; it’s not possible to request a PRC in advance of a trip. UK nationals can contact NHSBSA on +44 (0)191 218 1999 should a PRC be required.

UK nationals living in the EU, EEA and Switzerland and EU, EEA and Swiss nationals living in the UK, who are eligible under the Citizens’ Rights Agreement for reciprocal healthcare based on current EU regulations, can continue to apply for an EHIC .

The UK is seeking to conclude new, comprehensive agreements on social security coordination, including reciprocal healthcare, with the EEA EFTA States and with Switzerland.

Until a new agreement is in place, the UK and Norway will apply, on a temporary basis, an amended version of the 1991 Convention on Social Security and Protocol on Medical Treatment between the governments of the UK and Norway. This includes necessary healthcare.

The rest-of-the-world (RoW) countries we currently have reciprocal healthcare agreements with are Australia, New Zealand, some Crown Dependencies and overseas territories (such as Isle of Mann, Jersey, Gibraltar), and some Balkan states (Bosnia, Serbia, Montenegro, Kosovo). Different proofs of eligibility are required under these agreement. Read more travel advice information .

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Useful Pages

The complete guide to the ehic card.

EHIC is a free health insurance card for European citizens that provides the same free or low-cost healthcare as local residents. In this guide you will find information on how to apply, renew or replace an EHIC card, and a comprehensive list of countries which accept the EHIC.

What is an EHIC card?

Is ehic card a substitute for travel insurance, how do you apply for an ehic card, how do you renew an expired ehic card, how do you replace a lost or damaged ehic card, is there an ehic card for children.

• EHIC: country-by-country information

EHIC stands for European Health Insurance Card. It’s free and if you live in the UK, you’re eligible to get one. The EHIC replaced the E111 form in 2005. In brief:

• An EHIC card allows you to get medically necessary healthcare throughout Europe on the same terms as nationals, which is often free or low-cost. This includes treatment of pre-existing conditions and maternity care.

There’s been concern over how Brexit might affect the EHIC. Although it’s unclear what will happen, there’s a possibility the EHIC could remain for UK citizens. What we know at the moment is that the UK and the EU agreed that there should be a transition period between Brexit day one on 29th March 2019 and 31st December 2020, during which UK citizens would keep same rights and guarantees as before, including the European Health Insurance Card. However, the period of implementation will only come into play if the withdrawal agreement is ratified by both the EU and the UK.

If it is withdrawn, the government has indicated it may provide a replacement scheme. Find out more about the impact of Brexit on European travel here .

The EHIC card has lots of benefits as it means you can get low-cost or free healthcare in Europe. However, it isn’t a substitute for travel insurance for several reasons:

• It doesn’t guarantee free treatment as each country has its own national health system. Something that’s free in one country might be payable in another.
• It doesn’t cover things like repatriation. Should you need to come home you’ll have to pay those costs, which can be substantial.
• The EHIC card only covers healthcare that is medically necessary, so it’s not valid if you’re travelling for the express purpose of receiving medical treatment.
• If it’s not possible to access a public healthcare facility, you’ll have to pay for private treatment.
• The EHIC only covers healthcare, so things like delays and lost luggage will only be covered by travel insurance .

It’s easy to apply for an EHIC card, and it’s free. Visit the official government website and create an account. Then apply for yourself, partner and dependent children by providing:

• Date of birth
• NI, NHS, CHI or Health and Care number

Go to the official government website to apply for a free EHIC card here.

An EHIC card is valid for five years and you can renew it up to six months before it expires so there’s no gap. You renew an EHIC in the same way as applying for a new one.

Go to the official government website to renew your EHIC card here.

If you lose your EHIC card or it becomes damaged, you cannot apply for a replacement via the government website. Instead, you must email the EHIC department directly.

Email the EHIC department to replace a lost or damaged EHIC card here .

If an EHIC card is required for a child under 16, the parent or guardian must register on the government website as the main applicant.

They should enter their details first and follow the prompts to apply for other cards .The child will receive his or her own EHIC card and does not need to be with their parent or guardian for it to be valid.

Go to the official government website to get an EHIC card for a child here.

EHIC: country-by-country

The EHIC is valid in over 30 countries. With each having its own national healthcare system, what’s free and what’s not varies.

Here’s a summary of the benefits in each of the EHIC countries – click on the name of a country to see full details on the NHS website:

• Austria You can get free emergency treatment at public hospitals. However, if you need to be admitted there’s a daily fee. You’ll be charged reduced costs for dental treatment and prescriptions.
• Belgium Ambulances, hospital stays and prescriptions are payable but you can claim up to 80% back for emergency treatment. You can agree partial payment with some dentists on presentation of your EHIC.
• Bulgaria Emergency treatment is free through state healthcare providers. There is a small charge to see a doctor or dentist, and medicines are free or low-cost.
• Croatia Compulsory patient contributions apply, plus you’ll have to pay a daily fee if you’re admitted to hospital. There’s a small charge to visit a doctor or dentist or get a prescription.
• Cyprus The EHIC is not valid in the northern part of the country. In southern Cyprus, there are small fees for emergency hospital treatment, visits to doctors and prescriptions. Pensioners are exempt from the emergency hospital treatment fee.
• Czech Republic You’ll be charged small fees for all medical and dental treatment, although ambulances are free. There is a single prescription charge that covers all items on the prescription.
• Denmark Emergency hospital treatment and doctors’ appointments are free if they’re through public health service providers. Dental treatment is charged at a reduced rate to adults and is free for anyone under the age of 18. You’ll be billed in full for prescriptions.
• Estonia It’s free to visit a doctor but you’ll be charged a small fee for any treatment. Dental treatment is free for those aged under 19 and in some emergency cases. There’s a small daily fee for hospital stays and you’ll have to pay for prescriptions.
• Finland Some medical services are free but you’ll have to pay for most treatment. There’s also a fee for missed doctors’ appointments. Prescriptions are payable upfront and then you can claim reimbursement.
• France You’ll be charged for treatment and prescriptions but can claim up to 70% back. For hospital stays, there’s a 20% patient contribution and daily fee.
• Germany You’ll be billed for most healthcare services and medicine. Prescriptions have a maximum charge of €10. Medical care, dental treatment and prescriptions are free for under-18s.
• Greece You can get free or low-cost medical treatment at public healthcare centres. Prescriptions are payable and must be purchased within five days of issue.
• Hungary Emergency medical and dental treatment is free through state healthcare providers. Prescriptions are billed at a reduced rate.
• Iceland You’ll need to contribute for most healthcare services, although inpatient hospital treatment is usually free. Those aged under 18, over 66 or receiving invalidity benefits can claim a partial refund for dental treatment.
• Ireland You can get free emergency treatment through registered healthcare providers. Prescriptions must be paid for but there is a cap of €25 per family per month.
• Italy Treatment and prescriptions are normally low-cost and sometimes free. There are some circumstances which provide exemption from patient contributions, like age, low income or disability. You can confirm your eligibility at the local health authority.
• Latvia There are compulsory patient contributions for medical care and prescriptions. These fees are normally under €10 but are often expected to be paid in cash. Dental treatment is not covered by state healthcare and so is fully payable.
• Liechtenstein If you need medical treatment, you’ll have to pay for one month’s health insurance and a portion of the costs. The health insurance fee is around £50. This is reduced to £25 for pensioners and is free for those aged under 20. Dentistry is not covered by state healthcare.
• Lithuania Treatment is free through registered healthcare providers. If you have dental treatment, you may be billed for materials. Prescriptions are available at reduced cost.
• Luxembourg You’ll be billed for treatment and prescriptions but can claim all or part of it back. Hospital stays incur a daily fee, although under 18s are exempt.
• Malta Healthcare and emergency dental treatment is free and available at public hospitals and health centres. Unless you’re treated as an inpatient, you’ll have to pay for prescriptions.
• Netherlands Emergency treatment is free, however, you’ll have to pay in full or part for general medical care.
• Norway You can get free emergency care at public hospitals but for all other treatment there’s mandatory patient contribution. There’s a fee to see a GP and no subsidy on dental treatment.
• Poland You can get free medical and dental care through state healthcare providers. Prescriptions are payable at a reduced cost and are free during inpatient hospital stays.
• Portugal You must normally pay a contribution although some medical care is free. You’ll be charged for prescriptions at a reduced price. Your EHIC does cover dental care but waiting lists are long.
• Romania You’ll need to pay a contribution upfront for general medical and dental treatment. You can claim some of this back later. Emergency care is free and prescriptions are low-cost.
• Slovakia You won’t be billed for emergency care or dental treatment. Most healthcare is covered by the EHIC, however, there are substantial fees for complex medical procedures. Mountain rescue isn’t covered so you’ll be billed if you need this service.
• Slovenia You can get free emergency treatment in public hospitals. Other healthcare and prescriptions must be paid for.
• Spain Most medical treatment and emergency dental treatment is free through public healthcare providers. For prescriptions, adults are billed a reduced rate of 50% while pensioners only pay 10%.
• Sweden There’s mandatory patient contribution so you’ll be billed for most healthcare. The exception is inpatient hospital treatment, which is free but has a small daily fee.
• Switzerland You can get reduced-cost treatment through public healthcare providers, although routine dental care is not covered. If you need an ambulance, you’ll have to pay at least half the cost.

The following European countries do not accept the EHIC:

• The Isle of Man
• The Channel Islands
• The Vatican
• Carry your EHIC with you and if you need medical or dental treatment, show it as soon as possible.
• Some healthcare providers offer public and private services, and it is up to you to tell them which you want. Always clarify you want state-funded healthcare and never sign any paperwork you don’t understand.
• You don’t have to give your travel insurance details unless you want to.

The EHIC card is a great way to protect yourself from expensive medical bills when travelling in Europe. By giving you the same benefits as nationals, you can get free or reduced-cost healthcare.

It is not a substitute for travel insurance but should be acquired as an additional safeguard. Before your trip, apply for an EHIC card and take out a comprehensive insurance policy that meets your specific travel needs.

All this information is correct as of 22 May 2018

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Using the EHIC and GHIC in Europe

Article contents.

Carys Frampton

21 March 2023 | Updated 18 April 2024 | 4 minute read

You need to make sure you can access medical care when travelling around Europe – that’s where a Global Health Insurance Card (GHIC) or your old European Health Insurance Card (EHIC) helps.

Below, we discuss what an EHIC/GHIC is, why you need it and how to get it. 

What’s the GHIC?

You require a GHIC if you need medical treatment or assistance when on a trip to Europe . 

It serves as proof that you’re a UK resident eligible for treatment in a European facility that’s in a reciprocal health agreement with the UK.

It officially replaced the EHIC when we left the EU, although you can still use your old EHIC if it hasn’t expired yet.

What’s the EHIC?

The EHIC was first introduced in 2004, replacing the old E111 system for tourists. It’s a free card for residents in the European Economic Area (EEA) (except Iceland, Liechtenstein, Norway and Switzerland, where the EHIC hasn’t been valid since 2020).

Where is the GHIC/EHIC valid?

The GHIC and EHIC are valid in medical facilities located in the following countries: 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, and the UK.

Why do I need an EHIC/GHIC?

Owning an EHIC or the new GHIC means you can receive medical treatment at an approved facility when you're abroad in one of these European countries. 

The card tells foreign medical professionals about your identity and medical history. It also reduces the cost of medical expenses or makes them free of charge, depending on the country and facility.

How do I get a GHIC?

You can apply for a GHIC through the NHS website . The GHIC is free, so you should avoid any websites that ask for payment.

It’ll take 10 days for your card to arrive in the post.

How do I know if my EHIC/GHIC is expired? 

Your EHIC card will have an expiry date on the bottom right-hand side. When your EHIC expires, you must apply for a GHIC.

Your GHIC card will also have an expiry date clearly marked. It's valid for five years; after that date, you'll need to renew it. 

Can I use the GHIC for private medical treatment at home or abroad?

You can’t use the GHIC or old EHIC for private medical treatment in the UK or abroad and you're not permitted to use them for any planned medical treatment abroad, such as giving birth. 

Also, you're not permitted to use the card if you are relocating to work or study in the EEA or Switzerland.

Do I still need travel insurance?

Having the GHIC or old EHIC isn't a replacement for travel insurance.

You should still buy a policy to make sure you're covered in the event of emergency and non-emergency medical treatment, and for other incidents like theft of belongings or cancellations.

The GHIC or EHIC works as a faster ticket to effective and safe treatment and reduces its cost. 

If you require medical treatment when travelling on the continent, whether for a new or pre-existing medical condition , we advise that you seek out a facility that accepts the GHIC or EHIC. 

If you don't get treatment from one of these facilities, you'll have to pay excess on medical costs abroad.

If you're a UK resident and are planning a trip, make sure you have a valid GHIC or EHIC as well as a  comprehensive travel insurance policy and European cover .  

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Get healthcare cover for travelling abroad

There is no deadline to apply for a UK Global Health Insurance Card or a UK European Health Insurance Card. If you have an existing European Health Insurance Card, you can continue to use it until it expires.

Use this service to:

• check if you're eligible and apply for cover
• replace a lost, stolen, or damaged card

If you're eligible, you'll receive a card that can be used to get cover for emergency treatment abroad. This will be either a:

• UK Global Health Insurance Card (GHIC)
• UK European Health Insurance Card (new UK EHIC), if you have rights under the Withdrawal Agreement

We'll let you know what you're entitled to during your application.

What these cover

Both cards give you access to state-provided healthcare abroad for things like:

• emergency treatment
• visits to A&E
• routine maternity care, unless you're going abroad to give birth (opens in a new tab)

Both cards provide the same cover but the countries they are valid in can change. Check our website to see where you can use each card (opens in a new tab) .

A UK EHIC or UK GHIC is not a substitute for travel insurance. It may not cover all health costs and never covers repatriation costs. You should make sure that you have travel insurance as well as a UK EHIC or UK GHIC.

Applying for cover

Most people can apply for cover using our online service, but you may need to contact us depending on your circumstances. Find out who can apply for cover (opens in a new tab) .

Your card will remain valid until its expiry date. When your current card expires, you'll need to apply for a new one.

You can apply for a new card up to 9 months before your current card expires.

If you do not have a UK GHIC or UK EHIC and need emergency treatment abroad, you can still get help with paying for your treatment.

A Provisional Replacement Certificate (PRC) will entitle you to the same level of cover as a UK GHIC or UK EHIC, even if you do not have your card with you. This also covers you if you applied for a UK GHIC or UK EHIC and it has not arrived yet.

You can only apply for a PRC from the time you need treatment. A PRC can provide cover for treatment that has already taken place, but one cannot be issued in advance.

Check our website for more information and how to apply for a PRC (opens in a new tab) .

Before you start

You'll need:

• your National Insurance number
• the National Insurance numbers of any other people, including your partner, you're applying for who are 16 years old or over

Depending on your circumstances we may also ask for your NHS number, if you have one.

Important: Timeout warning

Your session will time out after 30 minutes of inactivity.

To process your application, we may share your information (where appropriate) with:

• Indesser, Equifax, and LexisNexis, who are third party data providers acting on our behalf who will make a UK residency check
• NHS Digital to validate EU Settlement Scheme status

For more information about how we use your information, read our privacy notice (opens in a new tab) .

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European Health Insurance Card – EHIC

What is the european health insurance card.

Who Is Eligible and Where Can You Use It?

32 countries participate in the European Health Insurance Card program. That’s 28 member states of the European Union, 4 member states of the European Free Trade Association, and Switzerland.

You do not have to be an EU citizen to use the EHIC. If you are a legal resident and covered by European social security you are also covered by the EHIC in most countries. However, even if you successfully receive the EHIC as a legal resident expat, you cannot use it in Denmark, Iceland, Liechtenstein, Norway, and Switzerland.

The EHIC is applicable to all French overseas territories that are part of the European Economic Area (EEA), including Martinique, Guadeloupe, Reunion, and French Guiana. However, non-EEA dependent territories such as Jersey, the Isle of Man, Aruba, the Channel Islands, and French Polynesia are excluded

However, there are exceptions to every rule. There are agreements in place for the use of the EHIC in the Faroe Islands and Greenland, despite not being in the EEA.

Finally, the EHIC boasts coverage for all Europeans, all across Europe, but there is one notable exception. Croatians are not eligible to use the EHIC in Switzerland.

What Does the EHIC Cover?

The European Health Insurance Card provides coverage for necessary and unplanned care. Examples include breaking an arm, developing a chest infection, or needing care after a car accident. It also provides care in the event of an ongoing serious medical condition, like diabetes or asthma.

It’s important to look at what the EHIC does not cover. The EHIC does not cover non-urgent care. The intention of the EHIC is that European residents can continue with their business or personal travels without needing to return home for pressing medical care. As such, a complication from ongoing asthma would be covered. But being irritated by seasonal allergies can wait until your return. As well, a serious ankle sprain would be considered an urgent need but aching knees after a long day of sightseeing would not.

Planned treatments are also not covered. If you routinely get a dental check-up every August, you can’t receive it in the country you’re visiting just because it’s more convenient. You also can’t use the EHIC to ‘shop’ for specialists – ie visiting different countries just to use the services of their renowned specialists.

How Do You Apply for a European Health Insurance Card?

The best thing about the European Health Insurance Card is that it’s FREE! There are legitimately no costs associated with it whatsoever. However, some less than reputable firms have advertised their services as third-party administrative coordinators. For a big fee, they will take care of the application process on your behalf. While such services might be helpful when it comes to getting travel visas, they’re completely unnecessary for the EHIC.

Can I Apply Online for the EHIC?

Yes. An online application is available for the European Health Insurance Card. For both new applications as well as renewals, you can apply online using the official EHIC online application form. This is free of charge. There are no costs for your application although some private companies or agencies will charge a fee if you use their services. The EHIC is free – there are no costs for applying.

Apply Online for EHIC: Apply Online for the EHIC (EHIC.org.uk)

How Much Does the EHIC Cost?

The cards are provided free to legal residents of participating countries who are covered through public healthcare insurance. Each individual country is responsible for the distribution of the EHIC to its own citizens. For some lucky people, the EHIC comes automatically with their national health insurance card. However, for most people, you do have to apply for the EHIC . It’s usually a simple form. You must prove your identity, citizenship, address, and so on. You have to be part of your country’s social security system to be eligible. That means contributing to the economy through taxes or other deductions or being part of a group that has an exemption. Every family member needs to apply individually for their own card.

There are some interesting rules which govern EHIC use for Romanians. Romania is the only participating country where not all permanent residents are covered by health insurance. And those who are insured have to maintain that coverage for five years in order to apply for an EHIC. Rules regarding residency and insurance have typically discriminated against the Roma people of Romania. As such, many in this community have neither state healthcare coverage nor an EHIC.

European Health Insurance Card Renewal

How do you renew your European Health Insurance Card? European Health Insurance Cards are usually valid for five years but it’s up to each country to determine the validity period. You can start the EHIC renewal process up to 6 months before your card expires. Applying to renewal is even easier than your initial coverage application. In many countries, it’s a simple online procedure. You can learn more about the EHIC renewal process here .

Do You Still Need Other Kinds Of Insurance?

The European Health Insurance Card in no way replaces travel insurance . There’s a world of difference between the coverage provided by an EHIC versus a European travel insurance policy . The EHIC does nothing to help with lost luggage, medical evacuations, or protecting travel plans.

As well, the EHIC program only offers care through public medical facilities. You’re treated just like a citizen of the country you’re visiting. You will wait in their public hospitals and clinics just as they would. If you normally reside in a country with exceptional public health facilities standards but you’re traveling to a member country where the public system is more modest, private health insurance will enhance your comfort and privacy.

Related: Schengen Visa Insurance Advice and Travel Insurance Applications

Travel Insurance for US Citizens Abroad

How do you use the card.

If you need to see a doctor, show your European Health Insurance Card to the staff. In some countries, state healthcare is absolutely free – which means it’s free for all EHIC participants as well. Typically, however, you pay upfront and then reclaim the costs after the fact. How much you pay and what is reimbursable depends on each individual country’s healthcare policy.

Remember, the system focuses on being covered for the same things that a local resident would be covered for. If there are costs that aren’t included in the local healthcare system, such as prescription drugs, you won’t be reimbursed for them. If the country you’re visiting has a co-pay for doctor’s visits, you will have to pay for them. That cost is usually not reimbursable either.

Don’t forget to ask for receipts and any other paperwork which will help you complete your future claim. And don’t be surprised if you’re asked to produce photo identification along with the European Health Insurance Card itself. The cards don’t have photos on them and thus your identity might be confirmed by other means.

For long term foreigners living in Europe, here are a few suggested articles on health insurance:

• German Health Insurance for Expats in Germany
• French Medical Insurance for Internationals Living in France
• Italian Health Insurance for Foreigners
• UK Health Insurance Plans for Expatriates and Internationals

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Everything you need to know about the Ghic, the post-Brexit health insurance card

Holding this card – which does not cost anything – means british travellers to the european union get free or discounted medical treatment, article bookmarked.

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Since the EU referendum in 2016, there has been a great deal of uncertainty about whether the free healthcare on offer to British travellers to Europe will continue after the Brexit transition phase ends.

The free European Health Insurance Card (Ehic) is being phased out, replaced by the Global Health Insurance Card (Ghic) – which is also free. Those already holding Ehics can continue to use them as normal, as both cards entitle the holder to free or discounted medical care in EU countries and Switzerland (though stricter conditions apply for the latter). However, check your Ehic is still in date – millions are set to expire during 2023. If you don’t have an Ehic, you’ll need to apply for a Ghic.

A  brief history of the Ehic

British travellers have long benefited from free or very low-cost medical treatment in some other countries – initially through reciprocal agreements and later, after the UK joined the then-EEC in 1973, with a Europe-wide agreement.

For decades the document for travellers was known as the E111, and was available from social-security offices.

In 2004, the European Union introduced the Ehic as a card demonstrating entitlement to medical care on the same basis as local people. It is available free to EU citizens, including (after Brexit) those living in the UK.

What exactly has changed since Brexit?

Perhaps oddly: British travellers have lost reciprocity with three non-EU members – Norway, Iceland, and Liechtenstein – but not with the EU27 or Switzerland.  The UK and European Union will continue to offer “benefits in kind” to a citizen from the other side if those benefits “become necessary on medical grounds during their stay”. In other words: need health care? You’ve got it.

It’s important not to equate entitlement with possession of a valid European Health Insurance Card. The Ehic is simply an easy way to demonstrate that you qualify for treatment.

How do I get one?

Do not apply if you have a valid Ehic. 

You can apply for a UK Global Health Insurance Card (Ghic) on the NHS portal previously used for Ehic applications or by calling on 0300 330 1350.  The card is free. Do not use any third-party sites: they are likely to charge a fee.

Can I still apply for an Ehic renewal?

You can try and apply to renew it – but you’ll be redirected to apply for a Ghic, as that has now replaced the Ehics.

What do I if I have no valid card?

The EU says: “If the need arises, you will still receive the treatment necessary to enable you to continue your holiday without having to return home for treatment.”

If you have an existing Ehic, it will continue to be valid until its expiry date. If yours has run out, or you never had one, you are still entitled to care.

For treatment abroad, you are required to apply for a provisional replacement certificate (PRC). This is confirmation by the NHS that you are entitled to health care.

To get one, you, or a companion or family member, need to call NHS Overseas Healthcare Services on +44 191 218 1999 during working hours (Monday to Friday, 8am-6pm).

You must have your National Insurance number and the name of the hospital or other medical facility that is currently treating you. The certificate will then be emailed (or, quaintly, faxed) to the clinicians.

What treatment is covered? 

All emergency care, including issues arising from pregnancy – but not if you have gone abroad specifically to give birth.

In addition, pre-arranged medical treatment for specific conditions – notably kidney dialysis, oxygen therapy and chemotherapy – is covered, as before.

Note that only the EU27 countries and Switzerland are covered – ie not Norway, Iceland, and Liechtenstein, which are members of the Schengen Area but not the European Union.

Does the agreement cover medical repatriation?

No. It is solely for easier access to medical treatment. There is no provision for taking you home free of charge if you fall seriously ill or suffer a serious accident. Only travel insurance will cover that.

One additional benefit of the decision to continue reciprocal health care is that travel insurance premiums are unlikely to rise significantly.

Is Ghic an alternative to travel insurance?

Travel insurance offers far more benefits besides local health care, including cover for cancellations, loss or theft and, in extreme cases, medical evacuation. The government warns: “Ehic and Ghic do not replace travel insurance.”

Abta, the travel association, goes even further, warning: “Taking out travel insurance is crucial when you book your holiday, whether it’s a domestic break or overseas.”

But older travellers, particularly those with pre-existing medical conditions, might rationally decide not to insure for journeys to locations covered by the Ghic – if they are prepared to self-insure for other risks. Note that medical repatriation by air usually costs tens of thousands of pounds.

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Frequently asked questions

If you have any questions about travel insurance, we’re happy to help. You can find answers to our most frequently asked questions below. It’s often the fastest way to find help – including how to make changes to your policy, what’s covered and how to make a claim. If you can’t find the information you need below, please get in touch via email at [email protected] or call us on 0208 770 2752 (open Monday to Friday 9am – 5pm, closed on Saturday and Sunday).

Before You Go

What documents do i need to take on holiday with me .

Your policy documents were sent to you via email when you purchased. We also recommend taking printed copies of your Policy Certificate and Policy Wording with you when you go. They contain emergency phone numbers you might need while you’re away. Having printed documents can also help you with receiving fast medical treatment, as you may be asked to produce your insurance documents by medical practices or hospitals abroad.

Buying Your Policy

Can we travel separately on our couple or family travel insurance policy .

Each adult is covered to travel independently. Children are not covered to travel independently and are only covered if they’re travelling with one of the adults named on your policy.

How many children can I insure on a family policy?

You can insure up to six of your dependent, adopted or fostered children on your policy, provided they are aged under 18 and are either living with you or in full time education.

How many times can I travel on my annual multi-trip insurance?

Annual travel insurance gives you the flexibility to get away as often as you like – there’s no limit on the number of trips. It’s worth thinking about the maximum amount of time you’re likely to be away for each trip – the maximum trip duration is 31 days per trip (or 45 or 60, if you have purchased the additional policy option for longer trips). If you already have a policy and need to insure a longer trip, please get in touch at [email protected] or call us on 0208 770 2752.

I forgot to buy travel insurance before I left the UK can I still be covered?

Unfortunately, our policies will not cover you if you’ve already left the UK. For help with finding cover, the British Insurance Brokers Association can help you find local brokers who may be able to help with a tailored policy.

I'm not a UK national, can I be covered?

Policies are only available to residents of the United Kingdom who are registered with a General Practitioner in the United Kingdom.

What start date should I enter for an Annual Multi-Trip policy?

For Annual Multi-Trip policies, cancellation cover starts on the date you enter as your policy start date. So if you have already paid for part of your trip, start your policy today to make sure you have cancellation cover in place. We offer a 14-day cooling off period – so if you change your mind you can still cancel your policy and receive a refund, provided you don’t intend to make a claim and have not travelled on the policy.

What is a policy excess?

Most sections of the policy carry an excess. This is the first amount of any claim that you will have to pay, and applies per person, per section. When you make a claim, this will be deducted from the final amount we pay you – so there’s nothing to pay upfront.

The amount may vary depending on the level of cover you’ve chosen, and there are ways you can reduce your excess. For example, you can choose the Excess Waiver policy option when you buy your policy. . If you are able to make use of reciprocal health agreement whilst you are travelling this will reduce your medical bills and in return, we will waive your policy excess on your medical claim.

Am I covered to travel within the UK?

You are covered for trips in the UK providing you have at least one night’s pre-booked and pre-paid accommodation.

What is the maximum age you can insure up to?

The maximum age limit is 85 on Single Trip and Annual Multi-Trip policies. If you’re going on a ski trip, it’s worth noting that we offer winter sports cover up to and including age 69.

Do you cover pre-existing medical conditions?

You will not be covered under this policy for any claims arising directly or indirectly from a pre- existing medical condition. You can choose to exclude your medical condition, but this means you wouldn’t be covered to make a claim if anything happened which is either directly or indirectly related to it. If you require cover for pre-existing medical conditions then please visit our alternative European Travel Insurance policy website and declare relevant medical conditions. When you go through a quote online on the Europe Plus website, you’ll be taken through some questions about your medical conditions and can be screened for conditions you would like to be covered for. You may prefer to speak to a member of our team on 0208 770 2752 .

Can a child have their own policy?

Unfortunately, we aren’t able to provide cover for a child on their own policy. They would need to be included on a family policy and travelling with one of the adults named on the policy.

How do I make a claim?

Submit a claim online at  www.reactiveclaims.com or contact Reactive Claims on:

Tel: +44 (0) 1420 259 049 | Email: [email protected]

Coronavirus (Covid-19)

Does my policy cover me for coronavirus (covid-19) .

Please visit our COVID-19 information page by clicking here

Customer Service And Policy Admin

I haven't received my documents .

Your policy is sent to you automatically by email right after you buy your policy. It’s worth checking your junk or spam folder. If it’s not there, please email us at [email protected] . We’ll check your email address is correct and get it re-sent to you.

Can I upgrade my policy?

Yes, if you want to upgrade your level of cover or upgrade your Single Trip policy to Annual Multi-Trip cover, we can help you with that. If you need to change your policy to a different geographical limit, add winter sports cover, cruise cover or business cover, we can arrange that upon payment of additional premium subject to terms and conditions. Speak to a member of our team on 0208 770 2752 or email [email protected] . However once the policy has been purchased you are unable to downgrade cover.

What are my cancellation rights?

If you decide your policy isn’t right for you, you can cancel it within 14 days of purchase and receive a refund, provided there are no claims pending on the policy and you haven’t already travelled. This policy is subject to a cancellation fee of £5.00.

To cancel your policy, please contact us at [email protected] or on 0208 770 2752 quoting your policy number.

Can I update my details?

If you need to change names and/or your address, please contact us at [email protected] quoting your policy number.

Can I extend my policy whilst away?

Unfortunately, we can’t extend your policy for you whilst you are away. However, the policy automatically extends if you need to extend your trip due to unforeseen reasons such as your return flight being cancelled, or if you fall ill and have to stay in hospital (provided the illness or injury is covered by your policy).

How can I stop my annual multi-trip policy being automatically renewed?

If you would like to opt out of automatic renewal, please contact us at [email protected] quoting your policy number.

How can I cancel my insurance?

You may cancel your insurance policy within 14 days of purchase – we’ll provide a refund, provided you have not made a claim and you haven’t already travelled during the 14 days. This policy is subject to a cancellation fee of £5.00.

To cancel your policy, please contact us at [email protected] . You can choose to cancel your policy after this 14-day cooling-off period, but you will not receive a refund.

If I have a complaint, what should I do?

Here’s how to make sure your complaint goes to the right team: In the first instance please email [email protected] [email protected] or alternatively, send your complaint to: The Customer Service Manager, Expand Travel Insurance, Brookwood House, 2b West Street, Ewell Village, Epsom, Surrey, KT17 1UU.

For complaints about how an assistance case or claim has been handled please contact: International Medical Rescue, 15 Tollgate, Eastleigh, Hampshire, SO53 3TG or email: [email protected] .

If you are still unhappy about our service, you can contact the Financial Ombudsman Service: Financial Ombudsman Service Exchange Tower, Harbour Exchange Square, London, E14 9SR, or email: [email protected] or phone: 0800 023 4567.

How will my complaint be dealt with?

We aim to deal with any complaint within 24 hours of receiving it. However, we guarantee that you will be contacted by letter or telephone within 5 days. This will either be a response to your complaint or if we aren’t able to provide a full response right away, we’ll let you know why, and give you the details of who will be handling your complaint. If after 4 weeks, we are still unable to resolve your complaint you will receive a further letter to update you on our progress.

If we aren’t able to resolve your complaint after a further 4 weeks, you will receive a letter explaining why. We’ll provide an indication of when you can expect a resolution, and will provide details of your right to refer your complaint to The Financial Ombudsman Service.

Your statutory rights are not affected if you choose to follow any of the complaints procedures above. For further information about your statutory rights contact your local authority, Trading Standards Service or Citizens Advice Bureau.

Where do I enter a promo code on your website?

You can enter a promo code on the first screen when you get a quote - below the details provided. Just enter your code onto the Promotional code? field.

Do I have to declare my medical conditions?

No, but if you needed to make a claim for medical costs and your claim related in any way to a pre-existing medical condition, it wouldn’t be covered. You can choose to exclude your medical condition and still purchase this policy.

If you require cover for pre-existing medical conditions then please visit our alternative European Travel Insurance policy website and declare relevant medical conditions. When you go through a quote online on the Europe Plus website, you’ll be taken through some questions about your medical conditions and can be screened for conditions you would like to be covered for. Or if you prefer to speak to someone, just call on 0208 770 2752 (open 10am to 3pm Monday to Friday) and a member of our team will be happy to help.

What sports and activities are covered?

A full list of the sports and activities covered can be found in the policy wording here .

What does no cover for personal accident and personal liability mean?

Personal accident – This is a lump-sum payment made to you if you suffer a permanent disability or death as a result of an accident. It’s worth noting that you’ll still be covered for medical costs under the terms and conditions of your policy,

Personal liability – This is costs to cover you if you become liable for accidentally injuring someone, or causing accidental loss or damage to their property.

We recommend contacting the organiser to check what insurance they have in place. You may be covered by the organiser’s third party insurance, or it may be possible to find cover through a specialist provider for your particular sport.

Am I covered for scuba diving?

Yes, you are covered for scuba diving up to a depth of 18 metres at no extra cost on our policies if you’re with a qualified instructor.

What activities are covered for winter sports?

You can find a full list of the winter sports activities covered in the policy wording here .

What's the maximum age for a winter sports policy?

You can be covered for winter sports up to and including age 69 with our policies. Just add our Winter Sports option.

Am I covered for off-piste skiing?

Yes, when you add Winter Sports to your policy it will cover you both on-piste and off-piste, provided you’re within local ski patrol guidelines or within recognised and authorised areas.

Am I covered if my skis/snowboard go missing in transit?

Yes, if your ski or snowboard equipment is delayed by at least 12 hours, we’ll cover you for the cost of hiring replacements until yours turn up.

If you need to make a claim – contact your airline to obtain a property irregularity report , and keep all receipts from the rental shop. You can then submit your claim once you’re back in the UK.

Am I covered for piste closure, avalanche or landslide and loss or theft of my ski pass?

Yes, provided you have paid the additional winter sports premium you’ll be covered to the amounts outlined in your policy wording.

Can I add cover for extra sports and activities?

Yes, we offer cover for some sports and activities free with every policy – such as scuba diving up to 18 metres, snorkelling and surfing (on a non-competitive basis).

For a full list of the sports and activities covered, please take a look at the policy wording here .

Is my sports equipment covered?

If your sports equipment is lost, stolen or damaged, it’s covered up to the limit specified for personal possessions and baggage on your policy certificate. Please note that sports items are not covered while they’re in use.

A single item limit applies – which is the maximum you can claim for one item, set or collection. For example, golf clubs you bought as a set would count as one item.

It’s worth noting that we can’t provide any cover for bicycles – so if you’re planning to take them abroad with you, it’s worth checking your home insurance policy to see if they’re covered away from home. There are also many specialist bike insurance policies on the market.

Winter sports equipment is covered if you’ve added Winter Sports cover to your policy.

Terms and conditions apply, so please take a look at <a href =" /info/documents "> the policy wording here </a> .

Is my winter sports equipment covered?

If you’ve included cover for winter sports with your policy, we’ll insure lost stolen or damaged winter sports equipment including: skis (including bindings), ski boots, ski poles and snowboards. This includes items you have hired as well as any you own.

It’s also covered while it’s in use, provided it’s being used correctly. However, it’s important to note that it wouldn’t be covered if you leave it unattended – so if you leave them in a ski rack outside a bar or restaurant they wouldn’t be covered.

If your equipment is delayed at the airport, we’ll cover you for the cost of hiring replacement kit – so you don’t have to miss out on the fun. Just remember to get a Property Irregularity Report from your airline as proof.

There's no snow at my ski resort! Am I covered?

Yes, if weather conditions close access to the slopes for skiers and you’re unable to ski or snowboard for 24 hours, if winter sports option is selected we’ll cover you to travel to a similar ski area that’s open and cover the cost of your ski passes to get onto the slopes. If there isn’t anywhere available, we’ll pay a cash alternative.

This has to be within the ski season – when you’d expect there to be snow. That’s between 1st December and 31st March in the Northern Hemisphere.

Travel News

Is my european health insurance card (ehic) still valid after brexit .

Yes, your EHIC is valid until it runs out (even after Brexit). After it expires, you will be able to take out the replacement GHIC card here . These can be used in the same way as the EHIC in EU countries, however it does not entitle you to help in Norway, Switzerland, Iceland or Liechtenstein. Your UK passport may entitle you to necessary healthcare in Norway.

Government advice is to ensure you take out travel insurance as well as carry and EHIC or GHIC abroad. That’s because neither are a replacement for insurance – they won’t cover everything.

For example, not everywhere in Europe has healthcare that’s free at the point of use, and you can still be charged for treatments and services. EHIC also won’t provide cover for things like repatriation costs to get you back home, or mountain rescue.

What's covered if my tour operator or airline goes bust?

Unfortunately, there’s no cover if your airline declares insolvency. If this happens, the first thing to do is to find out if your tour operator or flight is ATOL protected. ATOL, or Air Travel Organiser's Licence, offers financial protection for travellers and can help you with getting a refund, as well as arranging flights home if the bankruptcy is announced while you’re abroad.

If you have paid for your holiday or flights by credit card, you may be able to get a refund through your card provider.

Does my policy cover terrorism?

Yes, if you’re caught up in an act of terrorism and you’re injured, we’ll cover your medical bills and get you back to the UK if needed. Personal accident cover may also apply in these circumstances, which provides a lump sum payout if you die or suffer a permanent disability.

If the event happens before you go and the Foreign, Commonwealth and Development Office (FCDO) advise against travelling to that country, get in touch with your tour operator or travel provider – as they should be able to help with offering a refund, changing your destination, or your travel dates.

My flight is cancelled / delayed due to extreme weather in the UK, what should I do?

To make a claim, you’ll need to get written confirmation of the delay from your airline. If your flight is cancelled, your airline should offer to either refund you or arrange travel on the next available flight. They have a duty of care to provide you with food and accommodation (including transfer) if necessary. If they don’t offer this, you’re within your rights to arrange all of this for yourself and claim it back through the airline later. Just remember to keep receipts and keep expenditure for food and accommodation within reason for your delay. For example, accommodation would usually be at the nearest reasonably-priced airport hotel with availability.

If you’re at the airport and a delay is announced of four hours or more, call the 24- hour lounge access phone number +44 (0)2380 177466 , and we’ll check if there’s space in an airport lounge available for you – so you can relax while you wait for your flight. Please note that the delay must be announced in one go rather than two consecutive two hour delays, for example.

If you haven’t claimed for an airport lounge and your delay exceeds 24 hours, you can claim for travel delay – to cover extra costs at the airport. Or, if you have to abandon your trip after a 24 hour delay, you can claim to abandon your trip – to recoup pre-paid costs for travel and accommodation. If you need to make a claim, you can read the full details of cover in the policy wording here .

My trip has been affected by hurricanes/extreme weather - what am I covered for?

If your outbound flight is delayed due to adverse weather, we’ll cover you for travel delay. This includes access to an airport lounge where available, if your delay is expected to be at least four hours, or travel delay costs after a 24 hour delay - to cover essentials at the airport. If you decide to abandon your trip after a 24 hour delay, you’ll be covered to claim for non-refundable pre-paid travel and accommodation costs.

If extreme weather hits your destination while you’re away, you’ll be covered for any medical costs if you suffer an injury. If you are on a cruise holiday and have added Cruise Cover to your policy, you’ll be covered to claim for missing your port departure if it’s as a result of adverse weather, and also be able to claim a benefit for each port or pre-paid excursion you miss due to adverse weather.

What's Covered

Am i covered if i'm pregnant .

Yes, you’ll be covered if complications arise while you’re away, as long as you haven’t suffered from the complications before and travel within the permitted timescale before the due date. There’s nothing you need to do – pregnancy doesn’t need to be declared on your travel insurance documents in the same way that an illness or pre-existing medical condition would.

A full list of the complications covered by the policy can be found under the of your policy wording titled ‘meaning of words’ . These include for example, gestational hypertension, pre-eclampsia, miscarriage, and premature births more than 8 weeks from your due date (16 weeks for multiples).

Am I covered if a family member or someone I'm travelling with falls ill and I need to cancel the trip

Yes, you’d be covered to claim for cancellations costs if a close relative or person you’re travelling with falls ill before you go, provided the illness wasn’t known about before you bought your policy or paid for your trip (whichever is the later).

What medical circumstances would be considered if you make a claim are detailed on your policy wording, but for example this would include any pending medical investigations, or anything they’ve received prescribed medication for within the 90 days before your period of insurance starts.

Are the policy benefits per person?

Yes – the benefits are all per person, per claim, unless otherwise stated on your Policy Certificate. For example, there’s a maximum limit you can claim per single item if you make a claim for your baggage, and travel delay claims have a set limit per day. You can check exactly what’s covered in the policy wording here .

What am I covered for if I'm admitted to hospital abroad?

We’ll cover your medical treatment under the ‘Emergency medical expenses and repatriation’ section of your policy.

We’ll also pay you a ‘hospital benefit’. This is an amount paid to you for each full 24 hours you’re in hospital. This is to cover any extra costs. For example, the public hospitals in some countries can charge for housekeeping services or food.

Please note that exclusions apply – for example any pre-existing medical condition that you haven’t let us know about.

While You're Away

I've lost my passport. .

Firstly, please check your Policy Certificate and Policy Wording to see what’s covered under the Loss of Passport benefit of your policy. You may be covered for the cost of obtaining an emergency travel document from the Foreign, Commonwealth and Development Office (FCDO), along with travel and accommodation costs if you need to travel to get them. Please note however, that you will not be covered for the cost of the document itself.

Here’s what to do:

Report the loss or theft of your passport to the local police as soon as possible. You will need to obtain the crime reference details they provide for the Lost or Stolen Passport Notification form. Next, to get the ball rolling with replacement documents, you will need to report your passport as lost or stolen on the FCDO website , or alternatively, give them a call on +44 (0) 20 7008 1500. They’ll let you know where your local FCDO office is to collect your emergency travel document and how long it’s likely to take. You will need to pay for the document and claim it back from us once you’re back in the UK. If you need to travel to collect your replacement document, remember to keep all receipts for travel and accommodation.

Once you’re home, please get in touch with our Claims team.

What happens if my bag is stolen with all my travel documents and money whilst I am travelling?

Firstly, check your Policy Certificate to see what’s covered, along with your Policy Wording. To make a claim for your bag and its contents, you’ll need to obtain a written report from the police or relevant authority within 24 hours of it happening. This is essential to make a claim – without it the claims team cannot make any payment to you.

If you’ve lost money, please also keep receipts for any cash withdrawal you’ve made following the loss. Once you’re back in the UK, please contact the Claims team.

What do I do in an emergency?

Please notify Mayday Assistance immediately about any illness or accident abroad and need medical treatment, or if you need to return home early. Please phone   + 44 (0)1273 071784 or email [email protected].

You, or someone on your behalf, must contact them before incurring costs over £500.

Before you call, it’s worth checking your policy documentation to see what’s covered.

How do I contact the Medical Assistance company?

If you have an emergency abroad, need medical treatment or have to return early from your trip, please contact  Mayday Assistance .

Tel: + 44 (0)1273 071784

They are open 24 hours a day, 365 days a year.

What happens if I am injured or fall ill abroad and need to be brought back to the UK (repatriated)?

Please contact our emergency medical company  Mayday Assistance  if you need medical treatment (someone else can do this on your behalf). They will be able to liaise with the treating medical practitioner to determine if repatriation back to the UK is both medically needed and possible. They’ll then make all the necessary travel arrangements.

You may be brought back on an accompanied medical flight or via a scheduled carrier, depending on your medical circumstances.

What can the Medical Assistance company help me with?

Our emergency medical assistance company is  Mayday Assistance . When you call, they’ll also confirm whether your policy will cover your medical costs and can help you find local healthcare providers. Their multi-lingual staff can liaise with medical practitioners on your behalf, help with arranging medical repatriation flights if needed and make payments for medical costs if your claim is covered. They can also liaise with your family if you’re in hospital.

Tel:+ 44 (0)1273 071784

What do I need to do if my belongings are lost or stolen?

Firstly, please check your policy certificate to see what’s covered. Please report any loss or theft to the police and obtain a crime reference number.

If your property has been lost while it’s checked in with your airline, you’ll need to obtain a Property Irregularity Report from them within 24 hours of the loss being discovered.

Once you’re back in the UK, you can request a claim form to be sent to you via email at www.reactiveclaims.com/ . You may be asked to support your claim with receipts, proof of purchase or other documents.

European Health Insurance Card USA - Is It Accepted?

No matter what you want to do in the USA, you should get travel insurance for the USA to protect yourself in case something goes wrong.

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Benefits offered in association with chronic or pre-existing conditions, pregnancy, and childbirth are only a few examples of the benefits that are covered. Your national health insurance provider issues the cards.

The European Health Insurance Card is crucial:

• It is not a substitute for travel insurance. If you are traveling specifically to receive medical treatment, it does not cover your costs.
• It also does not guarantee free treatments. It does not cover any private healthcare or costs like a trip back to your own country or lost or stolen belongings.
• Services that are free at home could not be free abroad because the healthcare systems in each country vary.

Please be advised that if you change your country of habitual residence, you should register with the S1 form rather than the EHIC in order to access medical care in your new country.

What Is Not Covered By European Health Insurance Card USA?

The European Health Insurance Card is not a private EU travel insurance, so it can't be used as one. Here is a list of costs and situations that the EU Health Insurance Card does not cover:

• Insurance from a private company
• In case of cancellation, return the ticket
• Costs of sending a body home
• Theft or loss of luggage or other personal items
• Services and treatments that aren't free in the traveler's home country can be found abroad.
• Costs of medical care when the trip was made for medical reasons only.
• If public health care is not free in the country where the EHIC holder is going, they will have to pay for medical care and attention just like people who live there.

Is European Health Insurance Card Accepted In USA?

It is possible that you will rack up enormous medical bills if you are visiting the United States and find that you require medical assistance.

Because this is a reciprocal arrangement that the UK only has with other European countries, even if you have an EHIC or GHIC card, you will not be covered if you go to the United States.

Many people who live in the United States have their very own private health insurance, which protects them financially in the event that they become ill or injured.

Because of this, if you do not have travel insurance in the United States, it can be quite expensive for you to receive care. Because of this, even a little fall or illness could wind up costing you a lot of money if you do not have travel insurance in the United States.

People Also Ask

How do i get an ehic.

If you match 1 of the following conditions, you may be eligible for a new UK EHIC: you have been living in the EU, Switzerland, Norway, Iceland, or Liechtenstein since before 1 January 2021 and have a registered S1, E121, E106, or E109 form that was granted by the UK.

What Does European Health Insurance Card Cover You For?

EHICs and GHICs only cover public healthcare; they do not pay for private treatment. If you have a European Health Insurance Card (EHIC) or a Global Health Insurance Card (GHIC), you will be able to receive necessary medical care at the same cost as a resident of the nation you are visiting. This indicates that you may be eligible to receive medical care at a reduced cost or at no cost at all.

Is EHIC Valid In The USA?

A European Health Insurance Card is not the same as travel insurance. It doesn't cover everything, like being flown back to the UK or being rescued from a mountain (medical repatriation). Make sure you have both of these things before you go.

Even though the American healthcare system is one of the most advanced in the world, it is also one of the most expensive. This is why it's important to have travel insurance for the USA. Without it, you might not get treatment, and if you do, it could cost you tens of thousands of pounds.

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Emergency Medical cover as part of your travel insurance

Falling ill or being involved in an accident whilst on holiday is something that we never want or expect to happen, which is why travel insurance with emergency medical expenses cover is so important to make sure you can get the treatment you need.

It is a key part of travel insurance which is there to protect you in the event that you fall ill or sustain injury whilst on holiday.

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What does emergency medical expenses cover protect against.

Fundamentally, your travel insurance covers the cost of emergency treatment you receive abroad, but you may also find cover that helps with some associated costs including;

• Repatriation : Returning you to your home or to a hospital or nursing home in your home country, if this is medically necessary.
• Transport and Accommodation: Reasonable extra transport and accommodation costs for you and one other person who stays with or travels with you, or travels to you from your home country, on medical advice.
• Search and Rescue: Mountain search and rescue services when medically necessary.
• Hospital inconvenience: Compensation paid for unused accommodation and other travel expenses you have lost.

Our policies provide the following levels of cover for emergency medical associated expenses:

Are medical expenses covered on my policy as standard?

Given that the medical expenses are one of the fundamental elements of travel insurance, almost all travel insurance policies cover medical expenses as standard. The levels of cover will differ as well as the precise elements of what is and is not covered so make sure you read the policy wording carefully so you know what you will and won’t be covered for and it provides the level of cover for the destination you’re heading to.

A good policy will provide £1m or more cover for Europe and £2m or more for the USA according to moneyhelper.org.uk

How much am I covered for?

The table below shows the cover that you can receive and the appicable limits under the emergency medical associated expenses section of our cover.

Search and Rescue, Transport and Accommodation, Hospital Inconvenience and Repatriation are benefits included within the overall Emergency Medical Associated expenses limit.

Swipe to view more

How much could medical treatment abroad cost without travel insurance?

Costs of medical treatment overseas can vary dramatically depending upon what treatment you need, where you are taken for treatment and the country you are travelling in.

The true value of travel insurance is evident when we look at the potential costs of treatment should you not have adequate cover.

In the USA, treatment for a broken leg could cost over £6,000 once x-rays, casts and hospital stays are taken into account.

The same treatment in Europe may be significantly cheaper if you are taken to a public hospital where treatment is likely to be covered under the EHIC or GHIC scheme. If however, you are taken to private hospital – where the GHIC or EHIC scheme does not cover private treatment - the average cost of treatment for a broken leg in Spain is £2,500.

What's not covered?

If you have chosen to take part in an activity that is not covered on your policy then any emergency medical expenses that occur as a result will not be covered. This extends to whether you have travelled to a destination against FCDO advice.

You should also be aware that medical expenses that have been caused whilst you have been under the influence of alcohol or non-prescription drugs or are a result of violent behaviour will also be unlikely to be covered.

Equally, any medical expenses which arise from a pre-existing condition that you fail to tell your insurer about or is not specifically covered, this includes terminal conditions. It also extends to any treatment that can wait until you return home, are by their nature not deemed as emergency treatment, therefore you wouldn’t be covered if it is possible to have these treated once you return to the UK. 

Is extra cover needed for medical expenses arising from winter sports or pre-existing conditions?

Pre-existing medical conditions.

Around 1 in 3 UK travellers have some sort of existing condition that they look to get covered when heading away for a trip.

You should declare any pre-existing conditions to your insurer at the point you take out your policy, this way you will be aware of whether your condition can be covered and once confirmed, you will have peace of mind that should the condition flare up whilst you’re away that you are protected.

Covering an existing condition will increase the cost of your travel insurance policy you pay, but if you exclude a condition then you have a flare up this may result in you needing to pay for expensive medical treatment.

Find out more about pre-existing conditions travel insurance .

Skiing and winter sports

If you intend to go skiing, snowboarding or other winter sports then you will need to get covered specifically for this activity.

Naturally injuries are more likely to occur with more dangerous activities and therefore additional cover is needed. This will cost more to cover, but does provide the peace of mind should something go wrong whilst you’re on the slopes.

Find out more about our winter sport and ski cover .

Frequently Asked Questions

Knowing what to do if a medical emergency happens is vital. Whether it is you or a travelling companion requiring help, the following points can help ensure that you get the help in the timescale you need from medical services and your insurance company.

• Call your travel insurer as soon as possible or ask a relative/friend to call on your behalf, most travel insurance companies will have a medical emergency assistance team available 24/7 – keep this number in a safe place such as a wallet or phone. Our 24 hour emergency medical assistance contact details are:
• Phone : +44 20 8686 1666
• Email : [email protected]
• When speaking with your travel insurance company bear in mind the hospital may not offer any treatment until medical expenses cover has been confirmed.
• Smaller charges may need to be paid by you at the time of treatment and then your travel insurance company will reimburse any expenses when you return home.
• Larger medical bills will be settled by your travel insurance company, the medical emergency assistance team will arrange the guarantees for this.
• Be sure to keep a copy of all itemised bills for any medical expenses you pay, as your travel insurance company will request these when submitting a claim.

The EHIC and GHIC schemes are designed to help should you require emergency medical assistance when in Europe. With that being the case there are some areas where they will be unable to help, some such cases are:

• Private hospital treatment: The EHIC and GHIC only provide cover for state-run hospitals, if you choose treatment at a private hospital you will be liable for the full cost of treatment. It is important to note in a medical emergency you may have no control over the hospital you are taken to and the closest hospital may be private.
• Elective treatment: Cover is for emergency treatment only, so if you are heading to Europe specifically to get treatment for a medical condition then this may not be covered under the EHIC or GHIC card.
• If you have gone overseas specifically to give birth: Much like the reason above, if you have planned a trip to receive treatment including giving birth then you won’t be covered under the EHIC or GHIC. You will, however, be able to receive routine care related to your pregnancy.
• Repatriation to the UK: Should you want, or need, to come home to the UK to receive treatment then the costs of bringing you back to the UK is not covered under EHIC or GHIC. Nor will it be able to provide cover for a relative to stay or fly out to be with you.
• Non healthcare related issues: GHIC and EHIC cards are purely for healthcare so should you encounter any other travel related issues such as lost baggage, delays or cancellations you will not be covered.

The EHIC and GHIC are not substitutes for travel insurance, which offers altogether more comprehensive protection for travellers. EHIC and GHIC focus on emergency healthcare provided by the state, travel insurance can provide cover for private treatment and repatriation to the UK for further treatment if necessary and confirmed by the insurer.

Together with the medical assistance, travel insurance can also protect against other travel related issues such as cancellation, curtailment, lost baggage, delayed flights and much more.

Find out more about the EHIC and GHIC schemes  and what our travel insurance offers.

How to ensure you have the right cover

Does your bank or credit card company provide cover.

Many bank accounts and credit cards come with some level of travel insurance cover. While some may be comprehensive, they may not cover you for everything you have planned whilst you’re away, particularly if you have adventurous plans or unusual excursions booked. 

Make sure you look into the travel insurance policy that you have before every trip, to make sure it’s suitable for you and your plans.

Purchasing a holiday using a credit card means you are often protected by Consumer Protection cover. In most cases, it allows you to get your money returned to you if your provider defaults and you cannot travel.

Are you covered by ABTA or ATOL?

If you have booked a holiday through a tour operator or travel agent, it may be worth checking if you are covered by ABTA (Association of British Travel Agents) or ATOL (Air Travel Organiser’s License). This type of cover means that your package holiday is protected if, for example, the travel company providing your holiday arrangements or the travel agent themselves fail financially or close down.

Your travel agents will be able to tell you if your holiday is ABTA or ATOL protected. Alternatively, use the links provided to check your cover at home.

What is an EHIC or GHIC and what can it offer you?

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Policy documents.

• Best overall
• Best for cruises
• Best for reputation
• Best for preexisting conditions
• Best for digital nomads
• Best low-cost
• Best for road trips
• Best for adventure traveling
• How we reviewed travel insurance companies

Ultimate Guide to Choosing the Best Travel Insurance in July 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this guide to the best travel insurance, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Best Travel Insurance Companies of 2024 Summary

• Best Overall: Nationwide Travel Insurance
• Runner-Up: AXA Assistance USA
• Best for Cruises: Travel Guard
• Best Reputation:  C&F Travel Insured
• Best for Pre-existing Conditions:   Tin Leg Travel Insurance
• Best for Digital Nomads:   WorldTrips Travel Insurance
• Best Low-Cost Option:   Trawick International Travel Insurance
• Best for Road Trips: Travelex Travel Insurance
• Best for Adventure Sports :  World Nomads Travel Insurance

Top Travel Insurance Companies Comparison

The best travel insurance companies offer comprehensive coverage options for a wide range of people and needs. For this guide, we looked at coverage options, customizability, and the best companies for specific situations, such as pre-existing conditions.

Here are Business Insider's picks for the best travel insurance companies in 2024. 

Best Overall Travel Insurance

Nationwide travel insurance.

Nationwide is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Read our Nationwide Travel Insurance review .

Best Travel Insurance Runner-Up

Axa assistance usa.

AXA offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

Read our AXA Assistance USA Travel Insurance review .

Best Travel Insurance for Cruises

Travel guard.

AIG is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

Read our AIG Travel Guard review .

Best Travel Insurance for Reputation

C&f travel insured.

While every travel insurance company has negative reviews about its claims process, C&F Travel Insured 's claims process has a consistent stream of positive reviews. One customer wrote that C&F processed a claim within 48 hours. Additionally, C&F regularly responds to customer reviews within one business week, making reviews a consistent way to reach the company.

Additionally, in C&F's fine print, it mentions that any claims that take more than 30 days to pay out will begin to accrue interest at 9% APY.

C&F's reputation isn't the only thing to speak highly of. It offers an array of add-ons uncommon in the travel insurance industry, such as Interruption for Any Reason insurance and CFAR coverage for annual plans. C&F also offers discounts for children on its Protector Edge plan and free coverage on its Protector plan.  

Read our C&F Travel Insured review . 

Best Travel Insurance for Pre-Existing Conditions

Tin leg travel insurance.

Tin Leg is a great fit for travelers with medical issues in particular. Seven of Tin Leg's eight travel plans include coverage for pre-existing conditions as long as you purchase your policy within 15 days of your initial trip payment.

Thanks to coverage for pre-existing medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Read our Tin Leg Travel Insurance review .

Best Travel Insurance for Digital Nomads

Worldtrips travel insurance.

WorldTrips has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

Read our WorldTrips Travel Insurance review .

Best Travel Insurance for Affordability

Trawick international travel insurance.

Trawick is another insurance provider with robust medical travel insurance that can help higher-risk and anxious travelers find peace of mind while on the road. This company offers one of the most generous medical evacuation policies in the market, although travelers will need to remember to add on rental car coverage if they need it.

Read our Trawick Travel Insurance review .

Best Travel Insurance for Road Trips

Travelex travel insurance.

Travelex offers three plans:

• Travel Basic
• Travel Select
• Travel America

The Travelex America plan is meant for trips limited to the U.S., but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the U.S. for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Read our Travelex Travel Insurance review .

Best for Adventure Traveling

World nomads travel insurance.

World Nomads distinguishes itself from others by covering over 300 sports and activities, from skydiving to golf. Additionally, its one of the few travel insurance companies that allow you to purchase after departing for your destination. However, you'll have a 72-hour waiting period before coverage kicks in.

That said, World Nomads doesn't have the highest coverage limits compared to its competitors on this list. It also doesn't have the most customization, only providing two plans to choose from with no options for pre-existing condition coverage. Yet, World Nomads still stands out for its sports coverage and post-departure coverage.

Read our World Nomads review .

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about how much emergency medical care while traveling will cost, even in the most remote corners of the globe. This coverage will often come in tandem with emergency medical evacuation coverage.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short. You may also look for cancel for any reason and interruption for any reason options, which will reimburse you for a percentage of your nonrefundable fees, but expands the covered reasons you can cancel a trip. You can find our guide on the best CFAR travel insurance companies here.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away. Also, check websites that field customer reviews like Trustpilot, the Better Business Bureau, and InsureMyTrip , to see how well a company responds to customer requests.

Choosing the Best Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering. While the ratings are important, you should also look at whether or not a company responds to customer complaints.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy – what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared. 

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Keep important contacts and your policy details handy, and remember, your insurance provider is there to assist you.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own. 

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

How We Reviewed the Best Travel Insurance Companies

To come up with our list of the best travel insurance companies, we evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award five stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2023 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the U.S. Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read our full insurance rating methodology for even more details.

Best Travel Insurance FAQs

There isn't a one-size-fits-all solution for every traveler. Determine the benefits that are most important to you, like baggage delay coverage, medical coverage, and trip delay coverage, then look for a company with solid customer ratings, especially when it comes to processing claims.

Travel insurance will pay out if you experience a covered event, such as a travel delay or delayed or lost baggage. If you're looking to get travel insurance for a specific reason, such as needing to potentially cancel your trip due to work reasons, make sure your policy will cover you in that situation before purchasing it. You should also check customer reviews to see other travelers' claims experiences, as it varies wildly from company to company.

The average cost of travel insurance is 4% to 8% of your total trip cost, so it could vary widely depending on where you're traveling and the length of your trip. Your age, the number of people in your group, and other factors can also influence how much you'll pay.

Yes, travel insurance typically offers some coverage of canceled flights, but if this benefit is important to you, make sure you read the fine print of your policy to make sure it offers adequate reimbursement. If you think you may need to cancel your travel plans, you should consider purchasing cancel for any reason (CFAR) travel insurance .

For adventure sports coverage, you'll want to look at World Nomads , which covers over 300 sports.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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Zurich Insurance Buys AIG Travel Business in $600 Million Deal

FILE PHOTO: The AIG logo is seen at its building in New York's financial district March 19, 2015.REUTERS/Brendan McDermid/File Photo

By John Revill

ZURICH (Reuters) -Zurich Insurance on Wednesday announced a $600 million deal to buy AIG's global personal travel insurance and assistance business.

The business will be combined with Zurich's travel insurance provider Cover-More Group (Cover-More) and will expand its footprint in the United States, Zurich said.

The acquisition, which is expected to close before the end of 2024, will result in combined annual gross written premiums of approximately $2 billion for the enlarged Cover-More Group.

"Travel insurance is a priority for us," said Cara Morton, CEO Zurich Global Ventures.

"This transaction is a great strategic fit, which enhances Zurich's existing capabilities and makes us a leading travel insurance provider across all regions," she added.

(Editing by Ludwig Burger)

Copyright 2024 Thomson Reuters .

Tags: Switzerland , United States , Europe

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