Travel Insurance for UK Travellers
What British travellers need to know about travel insurance post-Brexit.
Post-Brexit travel insurance has become more important for UK travellers visiting Europe. The European Health Insurance Card (EHIC) has been replaced by the UK Global Health Insurance Card (GHIC), which provides access to state-provided medical treatment in EU countries but is not a substitute for comprehensive travel insurance — it does not cover repatriation, private treatment, or cancellation. Travel insurance in the UK is regulated by the FCA and covers medical emergencies, repatriation, trip cancellation, baggage loss, flight delays, personal liability, and legal expenses.
For European travel, minimum medical cover of £2 million is recommended. For worldwide travel including the US, minimum £5 million is advisable due to the extremely high cost of American healthcare. Leading UK travel insurance providers include Staysure, InsureandGo, Post Office Travel Insurance, Columbus Direct, and Aviva.
Annual multi-trip policies are cost-effective for those taking two or more trips per year, with premiums starting from £30-60 for European cover and £60-120 for worldwide. Winter sports cover is a common add-on — standard policies exclude skiing, snowboarding, and other winter activities. Adventure sports and activities like scuba diving, bungee jumping, and trekking above certain altitudes require specific add-ons.
Pre-existing medical conditions must be declared, and specialist providers like AllClear and Staysure cater to travellers with significant medical histories. Always buy travel insurance when you book your trip, not the day before departure, to maximise cancellation cover.
Disclaimer: This article is for educational purposes only. World Best Insurer does not provide personalized insurance advice. Please consult a licensed insurance advisor for recommendations specific to your situation. Data mentioned may change — verify with insurers directly.