Do I need an GHIC card if I have travel insurance?

The Global Health Insurance Card (GHIC) has replaced the European Health Insurance Card (EHIC). This card means you'll receive emergency and necessary state healthcare in EU countries as though you were a local citizen.

However, the GHIC isn’t a substitute for travel insurance. It doesn't cover you for:

  • the costs of rescue and repatriation (an air ambulance from Spain back to the UK costs £10,000 or more)
  • lost or stolen property such as passports, baggage or precious items
  • losses from trip cancellation, curtailment and interruption
  • extra travel and accommodation costs due to illness
  • any medical treatment needed outside of the EU

Updated

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