Getting ill or injured abroad is stressful enough. Without travel insurance, it can also be very expensive. Here’s what can happen and what help is available.
You may have to pay upfront
In many countries, particularly outside Europe, hospitals and clinics expect payment, or proof of insurance, before or soon after treatment. Without it, you may be asked to pay in full, sometimes by card at the time. Private hospitals can be very expensive, and costs in the USA can be extremely high.
What the GHIC covers
In some countries, a GHIC gives access to state-provided healthcare on the same terms as local residents. It doesn’t cover private treatment, repatriation or the costs of changing travel plans, and it isn’t valid everywhere. See GHIC vs travel insurance.
What the embassy or consulate can do
British consular staff can give practical help, such as providing a list of local doctors or hospitals, contacting family and friends, and giving advice. But they can’t pay medical bills, arrange or pay for repatriation or act as your insurer.
What to do if you’re ill abroad without insurance
- Get emergency help. Call the local emergency number first.
- Contact family or friends who can help with money or arrangements.
- Contact the nearest British embassy or consulate for advice.
- Check if any other cover applies, such as a packaged bank account or credit card. See bank account travel insurance.
- Ask for itemised bills and keep all documents.
- Ask about payment options with the hospital, which may allow instalments.
Repatriation is costly
If you need to be brought home for medical reasons, the cost can be very high, and you’d have to pay it yourself. See repatriation cover explained.
Can you buy insurance after you travel?
Usually not. Most insurers require you to buy before you leave the UK, and won’t cover problems that already exist.
The best protection
Buy cover before you go. It’s usually a small cost compared with potential bills. See what travel insurance covers and how to choose the best travel insurance.
Frequently asked questions
Will the British embassy pay my hospital bills?
No. Consular staff can give practical help but can’t pay medical bills or repatriation costs.
Is the GHIC enough?
It helps with state healthcare in some countries but doesn’t cover private care, repatriation or cancellation.
Can I buy travel insurance once I’m abroad?
Usually not, as most policies must be bought before you leave and exclude existing problems.
What if I can’t afford the bill?
Contact the hospital about payment options, speak to family, and ask the embassy for advice.
Related travel insurance guides
- How to Use the MoneyHelper Travel Insurance Directory
- Travel Insurance After Cancer: How to Find Cover
- Travel Insurance With Asthma or COPD
- What Does Travel Insurance Cover? A Plain-English UK Guide
- How Much Does Travel Insurance Cost in the UK in 2026?
This article is general information, not financial or insurance advice. Always read the policy documents before you buy.
