Do You Need Health Insurance To Travel To Europe? | moneyfacts.co.uk

Derin Clark

Derin Clark

Online Reporter
Published: 06/01/2021

Although all regions of the UK are currently under much tighter travel restrictions, many people will be hoping that the vaccine rollout means they will be able to head abroad for a holiday this summer.

For those thinking about travelling to Europe, the UK leaving the EU means that for the first time holidaymakers will have to ensure they are covered in case they get ill or require medical treatment.

Prior to leaving the EU , UK citizens were entitled to free medical care in all EU countries, as well as Switzerland, Norway, Iceland and Liechtenstein if they became ill or had an accident through their European Health Insurance Card (EHIC).

Although the EHIC cards are currently being phased out, those with a card should still be entitled to free medical care if they travel to Europe this summer. The Government has announced that it is planning to replace the cards with a new version that will be called the UK Global Health Insurance Card (GHIC).

While those with an EHIC should still be able to receive treatment while abroad, the Government has advised travellers to buy travel insurance with healthcare cover before they go on holiday to ensure that they are protected.

How to choose the best travel insurance with healthcare cover

Having travel insurance with healthcare cover will not only ensure travellers’ medical care is covered in Europe, but, depending on the policy, outside of Europe as well.

When choosing travel insurance, holidaymakers should look carefully at what is covered in the policy to ensure healthcare is covered and what medical conditions are included. Those with pre-existing medical conditions, for example, need to make sure that they will be covered should they need medical care while on holiday.

In addition to this, holidaymakers should also make sure that accidents are covered within their travel insurance. This is especially important for travellers who are planning on doing risky activities while on holiday such as skiing, climbing, or water sports.

Another factor to consider when choosing travel insurance is how long the policy will last. Holidaymakers planning for just a two-week break in the summer can opt for insurance that covers a single holiday, but those who will be making regular trips should consider choosing insurance that will cover multiple trips and making sure it covers all the destinations they plan to visit.

As having the right travel insurance is a vital part of enjoying a stress-free holiday, at Moneyfacts.co.uk we have carefully selected the best travel insurance providers currently available on the market, which can be found on our Best Travel Insurance page, to make it easier for consumers to see all the best travel insurance providers in one place.

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