Do I need annual cover if I have a GHIC or valid EHIC?
Having a free Global Health Insurance Card (GHIC) or a valid European Health Insurance Card (EHIC) is useful if you’re travelling around Europe (excluding Norway, Iceland, Liechtenstein and Switzerland).
In fact, it’s a condition of our travel insurance that you take a GHIC or valid EHIC with you if you’re travelling to European countries.
But an EHIC or GHIC is not a replacement for good holiday insurance. It won’t be able to cover cancellations, loss of baggage or other medical-related claims such as emergency transport home.
If you’ve had to use your GHIC or EHIC when travelling and need to claim, we’ll waive the excess that you’d normally have to pay on medical claims.