Britons are being advised by travel insurance specialists to verify a crucial document before embarking on trips abroad to avoid facing hefty expenses. Mirror Switch and Save, in collaboration with Quotezone.co.uk, offers a platform to compare travel insurance policies for overseas protection. However, experts emphasize the importance of ensuring the possession of a valid European Health Insurance Card (EHIC) in case of emergencies while on vacation.
The EHIC grants access to emergency and essential healthcare services within the EU and select other nations like Australia. Despite the introduction of the Global Health Insurance Card (GHIC) in 2020, EHIC cards continue to be valid until their expiration. With EHICs lasting for five years, a surge in travelers needing GHICs is anticipated in 2025, potentially catching some off guard.
To prevent any unforeseen issues, travel insiders urge Britons to check the expiry date on their EHIC. GHIC applications can be made up to nine months before EHIC expiration, free of charge on the NHS website.
Failure to do so could result in British travelers facing substantial medical bills, even if they had obtained travel insurance beforehand. For instance, a broken leg in Spain could amount to over £25,000 in expenses, while an accident in Greece necessitating surgery and medical evacuation could exceed £80,000 for Britons.
It is important to note that the travel card does not cover additional costs incurred during medical treatments abroad, such as return journey expenses for extended treatments, personal contributions to treatment costs, or special assistance for repatriation. However, comprehensive travel insurance policies covering these risks are available.
Disclosing any pre-existing medical conditions to the insurance provider is crucial to avoid policy invalidation.
Greg Wilson, CEO and travel insurance expert at Quotezone.co.uk, emphasized the significance of staying informed about travel requirements this year. He highlighted that while valid EHICs can be used within European countries until expiry, travelers approaching expiration or misplacing their cards should apply for the new GHIC. Wilson stressed the importance of having a suitable insurance policy to safeguard against unforeseen medical needs, especially for those with pre-existing conditions.
Wilson reiterated that travel insurance is indispensable for any trip, offering peace of mind and essential coverage beyond what EHIC or GHIC provides. He encouraged Britons to check their EHIC expiration dates before spring or summer travels to mitigate vulnerability in case of emergencies abroad.
For those seeking travel insurance, Mirror Switch and Save, in conjunction with Quotezone.co.uk, facilitates the comparison of various travel insurance quotes from reputable UK providers.