Do I need to buy any insurance to replace the European Health Insurance Card (EHIC)?

You should consider buying travel insurance for a number of reasons. Medical costs are likely to be the main reason, even if you have a valid EHIC or GHIC. As long as your travel insurance claim is accepted, we’ll cover your emergency medical costs.

Even though the EHIC/GHIC may cover some or all emergency treatment costs, it won’t cover the cost of bringing you back to the UK for medical reasons.

If you do decide to buy travel insurance, it’s important that you understand your cover. If you have pre-existing medical conditions you should make sure that your medical declaration is up to date. As always, check your policy booklet and find out what you need to disclose. We’ll screen your medical conditions and confirm if they can be covered.