If you are travelling to the EU, you can apply for a free Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC). If you already have an EHIC it will still be valid as long as it remains in date. A GHIC or EHIC gives you the right to access emergency state-provided healthcare during a temporary stay in those countries.

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If you are an EU Citizen resident in the UK then the UK Government is still issuing EU EHIC Cards. Check for the latest information on GHIC or EHIC online, or by phone on 0300 330 1350.

Remember that a GHIC or EHIC is not an alternative to travel insurance. It will not cover any private medical healthcare or costs, such as mountain rescue in ski resorts, being flown back to the UK, or lost or stolen property. EHIC is not valid on cruises.

You should make sure your travel insurance covers your healthcare needs.

When taking out travel insurance you should also check:

  • the level of healthcare cover it includes
  • the travel disruption cover it includes
  • the terms and conditions

Contact your insurer if you have any questions about your travel cover.   If you need Travel Insurance, Commercial Times can introduce you to an excellent broker [for which we may receive a small commission], to do so – please click this link

Travel to Iceland, Liechtenstein, Norway and Switzerland:

For Norway only, if you are ordinarily resident in the UK, you can use your UK passport to access state-provided medical treatment, if it becomes necessary during your trip.

If you’re travelling to Iceland, Liechtenstein, Norway or Switzerland, you cannot use a GHIC and most people also cannot use EHIC to get medical treatment. Check whether your card is valid.

Make sure you get appropriate travel insurance for your needs, including cover for emergency medical treatment and associated costs.

Check the latest foreign travel advice for those countries before you travel.

Overview of travel insurance:

Wherever you’re travelling, getting the right travel insurance is one of the most important things to do before you go. It could save you and your family a lot of money and difficulty if things go wrong before or during your trip.

Travel insurance policies are designed to provide cover for many eventualities, including medical expenses, a trip being cut short or cancelled, and loss or theft of possessions.

This guidance aims to help you understand the key features of travel insurance and choose a policy that will meet your needs.

It is recommended to take out an insurance policy as soon as possible after booking your trip, to make sure you’re covered in the event of any changes before you depart.

When you travel, make sure you take details of your insurance policy with you, including your policy number and the emergency assistance telephone number provided by your insurer. Give a copy of your policy details to the people you’re travelling with and friends or family back home, in case they need to contact your insurance company on your behalf.

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