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Making a claim and getting help

Nobody wants to have to use their travel insurance. If you have travel insurance and something does happen before you go away or while you are away, your travel insurer or their emergency assistance company is on hand to help.
FAQ

Will my travel insurance cover me for the healthcare currently under EHIC?

Travel insurance policies will cover emergency medical treatment costs as standard that could have been reclaimed through the EHIC, although some routine treatments would not be covered. Travel insurance policies will also continue to cover emergency medical expenses incurred in countries outside of the European Economic Area (EEA - all EU countries, plus Norway, Iceland, Liechtenstein).

Be aware that there is a small number of policies in the market that state they will only provide cover if you have and use an EHIC. Customers in this position should check their policy and contact their insurer.
FAQ

What is the EHIC?

An EHIC (European Health Insurance Card) gives you access to state-provided healthcare available to a resident. You can get it for free from the NHS. However, it is not a substitute for having travel insurance as it will not cover all medical costs, or the cost of emergency repatriation back to the UK.
FAQ

Will my travel insurance policy become more expensive?

Claims costs within Europe are currently reduced due to the presence of the EHIC, which covers some or all state-provided medical costs in most EEA countries. In the absence of the EHIC or similar reciprocal health agreement, insurers will inevitably see an increase in claims costs – this could have a direct impact on the prices charged to consumers. This will vary depending on the provider.
Sun, sea, sand and Covid

12/05/2021

Travelling overseas will feel very different when it resumes albeit in a very limited way from 17 May. But one thing has not changed – for anyone travelling overseas (in compliance with FCDO advice) travel insurance will remain essential to have.
Covid-19: the facts about how travel insurers are supporting customers

30/11/2020

Sarah Brodie, Policy Adviser for travel insurance, sets out the facts on how travel insurers have been helping customers during this unprecedented time.
FAQ

What is GHIC?

The new GHIC (Global Health Insurance Card) provides you with the same medically necessary state-provided healthcare that you were able to access with an EHIC when travelling to the EU. Necessary healthcare includes 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. It does not include healthcare that you travel specifically to receive.

GHIC is not a replacement for travel insurance as it will not cover you for all medical costs or the cost of emergency repatriation back to the UK.

All UK residents are eligible to apply for a GHIC, and it is valid in all EU countries.
FAQ

I have retired/am planning to retire in France. What access to healthcare will I get?

Travel insurance will only cover temporary stays abroad, for periods not exceeding the trip duration you have chosen. It does not cover those who are living abroad on a permanent or semi-permanent basis and most travel policies require that, to be eligible for cover, customers have their main home in the UK and are registered with a doctor in the UK.
FAQ

I have retired/am planning to retire in France. What access to healthcare will I get?

Travel insurance will only cover temporary stays abroad, for periods not exceeding the trip duration you have chosen. It does not cover those who are living abroad on a permanent or semi-permanent basis and most travel policies require that, to be eligible for cover, customers have their main home in the UK and are registered with a doctor in the UK.
FAQ

I have a pre-existing condition. Will I still be able to afford to travel in Europe?

Most travel insurance policies already require customers to declare any pre-existing medical conditions and, depending upon the type and severity of conditions, cover is often still available. This process already applies to countries where there are no reciprocal health agreements and will continue to apply for trips within Europe should the EHIC be discontinued. As insurers will incur increased claims costs for treatment received within Europe this could have a direct impact on the prices charged to consumers. This will vary depending on the provider.

Without the EHIC protection, it will be even more important to ensure that you have travel insurance that is adequate for your needs and this may involve paying more to protect yourself against significant medical costs when previously you may have chosen to rely upon the EHIC.