Do I Need Trip Insurance If I Have an EHIC or GHIC Card? UK Guide 2025
Many UK travellers wonder if having an EHIC (European Health Insurance Card) or GHIC (Global Health Insurance Card) means they don’t need trip insurance. Here’s what you should know in 2025.
What Are EHIC and GHIC?
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EHIC/GHIC cards provide access to state healthcare in certain countries
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Useful for emergency medical treatment during temporary stays in the EU and some other countries
What EHIC/GHIC Does NOT Cover
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Private medical treatment or repatriation
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Trip cancellation, lost luggage, or travel delays
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Many countries outside the EU and specific travel risks
Why You Still Need Trip Insurance
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Covers emergency evacuation and repatriation costs
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Protection against trip cancellation, interruption, or delays
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Covers lost, stolen, or delayed baggage
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Personal liability protection
When EHIC/GHIC May Help
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Reduces some medical costs in eligible countries
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Useful as a supplement but not a replacement for travel insurance
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