On 31 January 2020, the United Kingdom withdrew from the European Union, following the approval of the Brexit agreement by the European Parliament.
One of the consequences of Brexit concerns the British National Health Service, previously available to all European citizens and now accessible only to British citizens.
Travel insurance is not compulsory for travelling to the United Kingdom but is highly recommended.
Since the United Kingdom left the European Union, the European Health Insurance Card (EHIC) no longer provides the same cover as before.
Medical care in the United Kingdom is provided primarily through the National Health Service (NHS), but access for European tourists has changed. Whilst previously we could rely on virtually complete access to healthcare services, today the limitations are more significant and potential costs in the event of medical emergencies can be considerable.
Without adequate insurance cover, costs could be substantial:
These costs are merely indicative and can vary considerably, but they give you an idea of how costly a medical emergency can be without insurance.
It’s not just medical emergencies that can spoil a trip. A sudden transport strike could cause the cancellation of your outbound or return flight. Travel insurance in such cases could reimburse the extra costs you may be forced to incur for additional accommodation or a new flight, expenses you would otherwise have to bear entirely yourself.
Airlines may offer refunds in the event of cancellations, but these often don’t cover all ancillary expenses, such as hotels, alternative transport or pre-booked activities that cannot be refunded.
Don’t forget that travel insurance often also includes legal assistance. If you hire a car and are unfortunately involved in an accident or other situations requiring legal support, having insurance that includes this type of assistance can make all the difference.
This is the most important cover. Make sure the policy offers:
The ability to call an emergency number with assistance in your language makes managing the situation far easier during a stressful moment.
We strongly recommend including trip cancellation cover, especially if you book well in advance or your itinerary includes multiple stops. This cover should ideally include:
Baggage cover should include:
If you accidentally cause damage to people or property during your stay, good public liability cover can protect you from potentially costly compensation claims. This is particularly important if you:
It’s important to check not only what the insurance covers, but also how much it covers, what limitations apply and the level of excesses:
If you travel frequently, even just 2-3 times a year, it may be worthwhile taking out an annual multi-trip policy. This option is not only more economical in the long run, but also saves you the time of having to search for and take out a new policy for each trip.