Friday, July 1, 2022

Do Uk Citizens Need Travel Insurance For Europe

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Some people think that they dont need travel insurance because nothing ever happens to them, and by cutting out travel insurance is a good way to save a few pounds. And we all want to save money on flights and hotels, but dont fool yourself into thinking you can not get your travel insurance because you just might regret it! Regardless of where youre heading, its always a good idea to have travel insurance. Besides health, there are many other things to worry about including car accidents, flight cancellations, misplaced or stolen luggage. So dont delay, buy your travel insurance today!

What Rights Does The Card Grant The Holder

The European Health Insurance Card only entitles you to medically necessary healthcare from a hospital and/or doctor affiliated with the state-provided health service in the country in which you are staying. You are entitled to coverage on the same terms as the country’s nationals and you must pay the same user fees as the country’s nationals.

Be aware that the standard of treatment may vary from one country to the next. You cannot automatically expect to receive the same treatment as you would in Norway.

Determination of what constitutes medically necessary treatment, and your entitlements under the European Health Insurance Card, must take into account what type of healthcare service is required and how long you are intending to stay in the country. You are entitled to the healthcare services that are deemed necessary from a medical perspective for you to continue your stay in the country you are visiting.

A European Health Insurance Card may entitle you to certain necessary nursing and care services in accordance with the rules in the country you travel to. You will need to contact the authorities in the country you are travelling to or staying in for information about the rules that apply.

Your healthcare entitlements under the EEA agreement are limited. It is therefore important to hold private travel insurance in addition to the European Health Insurance Card.

Does Uk Travel Insurance Cover Jersey

Unfortunately UK travel insurance does not cover your trip to the Island of Jersey. Visitors to the Island have to pay cash for medical treatments and prescription medicines unless of course youve taken an adequate travel insurance policy. But also remember that travel insurance doesnt just cover injury, its to protect you against hotel cancellations or travel disruptions.

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What Else Does Travel Insurance Cover

As well as medical costs, travel insurance policies may also cover:

  • cancellation of a pre-booked holiday due to unforeseen circumstances
  • missed flights, cancellations and delays
  • repatriation if its medically necessary
  • loss, theft or damage of baggage and personal items
  • 24/7 assistance

In 2018, £145 million was paid out on 167,000 claims for cancelled holidays, says the ABI. Cancellations and delays will only be covered for valid reasons specified in your policy. If an airline offers compensation, most travel insurance providers wont pay out. And those that do will only usually cover the difference on top of the airlines compensation. Another reason to check the small print carefully.

Standard travel insurance can differ between providers, so always read their terms and conditions carefully before committing to a policy to ensure you have the level of cover you want.

If youre planning a more adventurous holiday, you may need to add extra cover to your policy, or even look for a specialist insurance provider who covers more extreme activities.

Also, be aware that if youre travelling to a country that the FCO advises against, your travel insurance policy may be invalid. Check their relevant country travel advice pages for updates on your chosen destination.

Weve made finding and comparing travel insurance quick and easy. Compare policies in minutes and see if you could save money by finding the right cover to suit your holiday needs.

Do You Need Travel Insurance For Uk Holidays

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You dont need UK travel insurance for medical cover, because your treatments free with the NHS. But it could compensate you for other unexpected problems with your trip, including:

  • Cancellation and curtailment
  • Lost, stolen or damaged luggage

To help you decide whether you need travel insurance for a UK trip, think about what youre taking with you and what activities youll be doing, as well as how much youve spent on travel and accommodation in advance.

If youre driving to stay with a relative and bringing nothing of great value, it might not be worth it.

But if youre flying to Scotland with your snowboard, tablet and camera equipment, its definitely something you should consider.

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Uk Drivers Will No Longer Need Insurance Green Card In Eu

Brexit requirement to be dropped for UK-registered vehicles, including those from Northern Ireland

Millions of UK motorists will no longer have to obtain an insurance green card before taking their car to EU countries after the requirement for extra Brexit-related paperwork was dropped.

The European Commission announced it had waived the obligation when it unveiled several other concessions designed to defuse tension around the implementation of the Northern Ireland protocol.

Since leaving the bloc drivers of UK-registered vehicles, including those from Northern Ireland, have been required to carry a green card when visiting another EU country, including the Republic of Ireland.

A green card is an internationally recognised document issued which demonstrates to law enforcement agencies that valid motor insurance is in place. They typically last for up to 90 days. Drivers had been told that they would need to apply for one before trips to the EU in their own vehicle.

Before the Covid-19 pandemic, UK residents made an estimated 12.6m visits a year to EU countries via seaports and the Channel tunnel.

Motorists travelling this month will not be freed of the obligation, as the rule change will only come into effect 20 days after it is published in the Official Journal, a step which should take place in the next few days.

Enhanced Coronavirus Cover For Europe

2020 was an unprecedented year but we know that, even during the Coronavirus pandemic, many of you still wanted to travel. Confidence to travel in 2021 in Europe is growing. In our annual survey, AllClear CEO Chris Rolland discussed the impact of COVID-19 and the confident feeling going forward, stating that early promise of a vaccine gives grounds to believe the travel sector will recover strongly in 2021.

So its important that you have travel insurance that gives you complete peace of mind. We offer enhanced Covid-19 cover with our travel insurance including medical emergency expenses of up to £15 million.

Travel insurance from AllClear also covers you for cancellation and curtailment up to £25,000, and personal belongings up to £3,000.

Europe is the most popular travel destination for UK residents, with a host of locations in over 40 countries.

No matter where you go on holiday, you will need to take out European travel insurance if you want to cover against cancellations and lost luggage. Whether you are travelling to Paris, Stockholm or Athens, finding yourself without any personal possessions or no way to get home in a foreign country is not a position anyone ever wants to find themselves in.

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Does My Travel Insurance Cease To Be Valid

Many travel insurance policies specify that the EHIC must be used in Europe. But the Association of British Insurers tells us: The primary role of travel insurance is to provide emergency medical care for people overseas, and this will continue. Travel insurance is not obligatory, but is recommended.

Does Travel Insurance Protect My Possessions Too

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The right policy can also cover theft, loss or damage to your baggage and personal possessions.

Your baggage can go astray when youre travelling, and if you lose your passport, cards and phone, then its a relief to have an insurance provider on hand to provide 24-hour assistance.

Check to see if your insurance provider includes baggage protection in their standard travel insurance policy. If not, ask if you can get extra cover added. Alternatively, you could consider separate baggage insurance cover.

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What Are The Insurance Options For Non

If you are a non-UK citizen who needs a visa to go to Europe, you must get Schengen travel insurance even if you are living in Britain at the time. If you are also contributing to the NHS for example, you work or study in the UK you can get a GHIC as well.

Schengen travel insurance refers to the type of insurance you need when you apply for a Schengen visa. In order for the Consulate or Embassy to accept it, your Schengen visa insurance must meet the following criteria:

  • Must cover a minimum of 30,000 on medical bills and repatriation.
  • Must be valid for the entire duration of your trip.
  • Must be valid in the entire Schengen Zone.

Those who do not need a Schengen visa dont have to get travel insurance which necessarily meets the requirements set by the Schengen countries.

If You Live In Another Eu/eea Member State Or Switzerland

If you live in the EU, EEA or Switzerland, you are entitled to anIrish-issued EHIC if you any of the following apply.

  • You receive a state pension from Ireland and have an Irish-issued E Form/S1 form registered in your country of residence.
  • You work for an Irish employer and are posted to work in another EEA country or Switzerland.
  • You are a frontier worker living in the EEA and working in Ireland.
  • You are a family member of a posted worker or of someone working in Ireland and you are not covered in your own right by the EEA country you live in.

If you are resident in another EU/EEAmember state, you will need to complete a differentapplication form online, by email or post.

If you are not eligible for an Irish-issued EHIC, you should see if you areeligible for an EHIC in the country you are currently living in.

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Travelling With A Health Condition

Buy travel insurance with healthcare cover for your condition. Your EHIC or GHIC will cover medically necessary treatment.

Read the Money and Pensions Advice Service guidance for buying travel insurance for people with pre-existing medical conditions.

If you need to have treatment while youre abroad, you may need to pre-arrange it. For example, if you need dialysis or oxygen treatment. Speak to your doctor in the UK for advice before you travel.

You cannot take some products prescribed for health conditions with you into the EU. These include special food required for medical reasons containing meat or dairy. There are some exemptions. Read more about taking animal products, food or plants with you into the EU on the Your Europe website.

UK prescriptions can be used in Ireland and Spain. You cannot use a UK prescription elsewhere in the EU.

What Has Changed For Individuals When Travelling To Europe

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UK passport holders travelling to the EU need to ensure their passport has at least six months validity remaining and is less than 10 years old. This may mean individuals need to renew their passport or they will be unable to travel to most EU countries.

UK passport holders can still make visa free visits to the passport free Schengen zone for 90 days in any 180 day period. By the end of 2022, UK passport holders will also need to apply for a European Travel Information and Authorisation System visa waiver when making short term visits to the EU. A visa waiver is expected to cost around £7 and will be valid for 3 years.

These rules do not apply to travel to Ireland, as Common Travel Area rules on travel documents will not change.

Health insurance

The deal agreed between the UK and EU includes reciprocal healthcare rights, which means that UK nationals travelling to the EU continue to have access to emergency or necessary state provided healthcare often for free.

Where the UK or an EU member state is responsible for the healthcare of an individual, they will be entitled to reciprocal healthcare cover akin to that provided by the European Health Insurance Card. This includes short term visitors , categories of cross-border workers and state pensioners who retire to the UK or to the EU.


Great Britain is Part 2 listed. This means that pet owners need to ensure their pet is microchipped and vaccinated against rabies at least 21 days before travel .

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Reciprocal Healthcare Agreements With Uk

The UK has a reciprocal health agreement with some overseas countries which gives UK citizens the right to access state-provided healthcare whilst visiting the reciprocal country.

The agreement generally covers medically necessary state-provided healthcare at a reduced cost or, in some cases, free of charge, until your planned return home. It does not cover all the things you expect to get free from the NHS, costs incurred during cruise travel, private medical care, or costs such as mountain rescue and repatriation home.

  • A reciprocal health agreement is not a comprehensive alternative to travel insurance you must also obtain valid travel insurance before your trip.

The European Health Insurance Card scheme is an example of a reciprocal health agreement existing between the UK and European Union countries.

The UK government has updated their guidance on accessing state health care for UK passport holders travelling to countries that are in the EU, Iceland, Liechtenstein, Norway or Switzerland.

UK-issued EHICs remain valid in the EU until they expire, and offer the same cover as the new UK Global Health Insurance Card . You can replace your expired EHIC by applying for a GHIC.

  • GHICs only provide cover when travelling in EU countries. They do not cover you in Norway, Iceland, Liechtenstein or Switzerland.
  • See NHS.UK website for further details on EHIC /GHIC and how to apply for a GHIC card.

Uk Citizens Travelling To Eu Member States After Brexit

In a post-Brexit European Union, the UK travelers will no longer be privileged as they currently are as EU citizens. They will need to join the lines of third-country nationals at airports, and present the following documents:

  • Valid passport. The passport must not be older than 10 years, and it must have at least 3 months of validity left on the day the traveler plans to leave the EU.
  • Health Insurance. Valid in the whole territory of the Schengen Area, with a coverage worth minimum 30,000 for health related incidents.
  • Proof of accommodation and financial means may also be required in several Schengen countries.

As of January 1, 2021, UK nationals traveling to the EU will also need an ETIAS, which is an online authorization to enter the Schengen Area.

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Can I Get A European Health Insurance Card

You can only apply for an European Health Insurance Card:

  • If you live in Ireland
  • If you live in another European Union , European Economic Area member state, or Switzerland

If you live in Ireland but you are linked to another EU/EEA State’s SocialSecurity System, contact the health authorities in that country for moreinformation.

Can I Drive In Europe With My Uk License

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Driving in EU countries has also become more complicated. Policies on driving vary from country to country, but in general British citizens are required to take their UK driving license and a V5C log book, as well as valid insurance documents.

UK travelers also have to check if they require an international driving permit or any other additional documents in their destination country if they plan to hire a car or drive there in their own vehicle.

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Warranties Of Europe Travel Axas Travel Insurance For Europe

Europe Travel also offers 4 essential advantages:

  • Immediate coverage. Your insurance covers you from the first day you need it.
  • No age restriction
  • No price variation because of nationality or age
  • No health questionnaire

If your Schengen visa application is denied, you can ask for your Europe Travel insurance to be refunded.

** Before paying any medical expenses, travellers must first contact AXA Assistance medical service.

This insurance does not cover the country of residence

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  • Schengen and U.E. countries covered

  • AXA #1 Global Insurance Brand

  • Extended protection

Restrictions On The Use Of The European Health Insurance Card

  • Nationals from non-EU countries cannot use their EHIC for medical treatment in Denmark, Iceland, Liechtenstein, Norway and Switzerland, unless they are refugees residing in an EU member state or are covered as family members of an EU citizen.
  • Iceland, Liechtenstein, Norway and Switzerland are counted as EU countries for the purposes of EU social security coordination rules
  • The EHIC will not help you with rescue and repatriation – if you need free transport back home after falling seriously ill or after having an accident while visiting another EU country, you will need
  • The EHIC does not cover you for private healthcare or the cost of planned treatment in another EU country

Sample story

Take out extra insurance for travel risks

Sven, a Swedish national, went to France on a skiing trip. On the second day of his holiday he hurt his knee skiing downhill and had to be rescued off the mountain by French rescue services. When he got home, he received a large bill for the cost of his rescue. Sven had to pay the bill in full, as search and rescue costs are not covered by the European Health Insurance Card.

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