Travel Insurance for Europe

The NHS recommends that British holidaymakers carry a GHIC (UK Global Health Insurance Card), which now replaces the EHIC (European Health Insurance Card), as well as a valid travel insurance policy when travelling in Europe. There are limits to what the GHIC covers - they are not a replacement for quality travel insurance.

Carrying a GHIC entitles you to free or reduced cost medical care and treatment when travelling within the EU.

It's a condition of our insurance that when you travel to Europe you do take a GHIC, or if you’re still eligible an EHIC with you.

This means we can waive your travel insurance excess if you need to make a medical claim. (This could amount to £100 per person on a Basic Travel Insurance policy and £65 per person for Comprehensive Travel Insurance policies.)

Travellers should also be aware that the GHIC is not accepted in the following places:

• Iceland
• Liechtenstein
• Norway
• Switzerland
• The Channel Islands, including Guernsey, Alderney and Sark
• The Isle of Man
• Monaco
• San Marino
• The Vatican

We offer two types of policy to suit you and your family’s travel plans in Europe:

Single Trip Travel Insurance is ideal if you're going for a one-off holiday or trip. A weekend break in Amsterdam? A city break in Austria? A couple of weeks in Spain? You'll be covered with a Single Trip policy.

It's flexible too. You can add in as many destinations as you want within the trip, and your trip can last for up to 104 days.

Annual Travel Insurance may be a better fit for you if you're planning on taking more than one holiday within a year. It can cover all of your trips in Europe in that time and even further afield if you choose worldwide cover. Also, if you're under 70, you'll be able to stay for up to 50 days in any one trip, up to a total of 183 days.

Thinking of an even longer trip? If you're under the age of 76, our long stay plan means you'll be covered for up to 366 days away for any single trip.

When you’re travelling in Europe, you’ll want to enjoy your holiday comfortably, confident that you’re well covered by your travel insurance if you have a medical emergency.

You can declare your medical condition through our online medical screening process, which is a straightforward set of questions for us to understand how your medical conditions affect you. Or, if you prefer, you can complete the medical screening over the phone.

It’s important that all pre-existing conditions are declared on your policy. This will avoid large medical bills if you need treatment in another country. Failure to disclose any pre-existing medical conditions may affect the validity of your policy should you need to claim.