Will Brexit Affect My Travel Insurance?
Deal or No Deal?
The UK leaving the EU, with or without a deal, will change the way Brits travel to and from the UK. What does Brexit mean for our holidays? And how will it affect travel insurance? What will Brexit hold for upcoming days ahead? Concerns such as potential delays at borders, changes to entry requirements, medical provision in the EU and the possibility of losing the European Health Insurance Card (EHIC).
Here’s some points that address the issues we know so far:
Travel insurance will still be valid. Your cover will be the same and you will get exactly the same levels of service and care if you need emergency medical treatment while you are in an EU country.
Longer queues at border control will be expected in general although as long queues are expected, you should make sure you take potential delays in to account and leave enough time in your travel plans.
European Health Insurance Card (EHIC)
If the UK leaves the EU without a deal, then it’s quite likely the European Health Insurance Card (EHIC) will not be valid. If the EHIC is no longer valid, you will have to pay an additional £95.00 on each medical expense claim.
Swapping Passports for Visas
If you are travelling after we leave (if or when…), then the government is recommending that UK travellers make sure their passports are valid for at least six months from the date of arrival in an EU country.
Compensation From Airlines
According to the CAA, the rights to compensation under the EU Flight Compensation Regulation will continue to apply to passengers departing from the United Kingdom to an airport situated in the territory of an EU member state, as long as the airline has an operating licence granted by an EU member state.
If Brexit were to disrupt travel arrangements, then it’s the airlines and travel companies that take primary responsibility for offering alternative transport or refunds. If anything does happen customers should always contact their travel providers first.
Whatever happens in the future, be sure you’re prepared for Brexit this year by checking with your travel provider. Remember, travel insurance is paramount so please do not go without.
At Healthcare International, we provide a diverse and varied range of insurance products for travellers to countries all over the globe, including travel, medical and life policies, all designed with an international lifestyle in mind. To find a policy suitable for you, please get in touch today.