*Discount applies to the base price only and is automatically applied to your quotes. Ends 04/12/23. T&Cs apply.

If you plan to visit Europe, you’re probably aware that you need to carry a GHIC (Global Health Insurance Card) with you. This has replaced the EHIC (European Health Insurance Card) for most travellers, but if you own a valid EHIC, you only need to replace it once it expires.

A view of a bay in Spain


If you have a medical emergency in the EU, the GHIC lets you access healthcare as if you were a citizen. The card means that the cost of treatment may be lower or even free in some countries. Nevertheless, you may still have to pay for certain services that would be free of charge under the NHS.

UK travellers can apply for the GHIC at no cost, and it can save money if you require medical treatment in the EU. If you’re making a medical claim on your travel insurance, using the card also means you won’t have to pay an excess.


The GHIC covers medically necessary treatment by giving you access to healthcare throughout the EU. This includes treatment that cannot wait until you return to the UK, such as a visit to A&E or complications arising from a pre-existing condition. 

However, you won’t be covered if you go abroad to seek treatment.


Despite providing access to state healthcare, the GHIC doesn’t cover all potential medical expenses. It also doesn’t safeguard against other losses that are usually covered by European travel insurance.

The GHIC won’t cover you for:

All InsureandGo policies come with access to a 24/7 emergency assistance team, who can ensure you get the right treatment while abroad and can speak directly to the medical staff helping you.


There are websites that try to charge you for a GHIC application. However, these should be avoided – the card is free and it’s not possible to fast-track your application. The easiest way to apply for a card is via the NHS website.

As part of the application, you’ll need to provide your:

You can also check the Gov.uk website for further information about the GHIC and what it offers travellers.

*With a purchase of an AllClear branded policy, you’ll automatically enter the £500 prize draw. Plus, you’ll get 20% off the base price of your policy. Discount does not apply to any premium generated to cover medical conditions and optional extras. This offer cannot be used in conjunction with any other offer. Offer ends at 23:59 on 4/12/23. T&Cs apply.

  1. Unlimited emergency medical expenses available on Black level policies.
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