How Brexit will affect your travel insurance

As we move into a new relationship with our neighbours, and changes as to how we travel in the EU come into place, we've put together this guide to answer some pressing questions you might have about your travel insurance.

Frequently asked questions

The transition period between the UK and the EU ended on 31st December 2020.

The new deal means that existing EHIC’s will remain valid until their expiry in the large majority of European countries. For up to date information please visit www.gov.uk/visit-europe-1-january-2021 where you’ll find the latest details.

For customers who don’t currently have an EHIC or need to renew their EHIC, this can be done by applying for the new ‘Global Healthcare Insurance Card’.

You can do this at www.nhs.uk/using-the-nhs/healthcare-abroad/apply-for-a-free-ehic-european-health-insurance-card .

Yes, Travel Delay and Trip Abandonment cover will apply in line with the current terms and conditions.

Your policy won’t provide cover if you booked trips or (opened an account / purchased travel insurance) after any travel delays were made known.

You’re not covered if you miss your departure because you haven’t left sufficient time to travel to your departure point. For example, if your planned route would usually take 2 hours and it is publicised in the media, or you are advised by your travel provider, that the same journey is taking 4 hours, you need to allow the extra time to travel.

It’s important you make yourself aware of any potential delays to your planned route in the days before your trip.

Our Guidance:

As there is the potential for travel delays, please plan accordingly. We advise customers to:

  1. Allow plenty of time to get to and travel through railway stations, airports or ports when travelling to the European Union (EU) and check with your travel provider to see their latest advice on how early you need to arrive at your departure point.

  2. Ensure that any travel documentation, such as passports, have adequate time remaining on them. You can check at passport checker.

  3. You will also only be allowed inside the Schengen Area for a maximum of 90 days in any 180-day period unless you apply for a visa. There’s more information on that here.

  4. You should sign up for specific country advice via the Foreign Commonwealth and Development Office.

You can check whether you need to renew your passport at passport checker.

If your passport was issued prior to 1st June 2011, or has less than 6 months remaining on it, then it will need to be renewed to travel to the EU after 1st January 2021.

You can find further information on travelling after Brexit on the government website.