Do I Need Trip Insurance If I Have an EHIC or GHIC Card? UK Guide 2025
Many UK travellers wonder if their EHIC (European Health Insurance Card) or GHIC (Global Health Insurance Card) is enough or if they still need trip insurance. This guide clears up the confusion for 2025.
What Are EHIC and GHIC?
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EHIC covers emergency healthcare during temporary stays in EU countries.
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GHIC replaced EHIC after Brexit and provides similar coverage in EU countries.
What Does EHIC/GHIC Cover?
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Emergency medical treatment on the same terms as residents of the country you’re visiting.
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Treatment for chronic or pre-existing conditions only if they become urgent.
What EHIC/GHIC Does NOT Cover
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Private healthcare or planned treatments
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Medical repatriation to the UK
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Trip cancellations, lost luggage, or personal liability
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Travel outside the EU or countries covered by the GHIC scheme
Why You Still Need Trip Insurance
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Trip insurance covers cancellations, delays, lost baggage, and other non-medical risks.
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It also covers private medical treatment and repatriation.
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Provides 24/7 emergency assistance and support.
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Offers financial protection beyond basic healthcare.
When EHIC/GHIC Alone Might Not Be Enough
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Travelling outside the EU or UK countries not covered by GHIC.
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Taking part in high-risk activities excluded by EHIC/GHIC.
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Wanting protection against trip cancellations or delays.
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Final Advice
Use your EHIC or GHIC card for emergency healthcare in the EU, but always buy comprehensive trip insurance for full protection and peace of mind.