Travel Insurance after Brexit | JS Insurance

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Travel Insurance after Brexit –  What will be the situation with travel ?

We have left the European Union and we have entered a period of transition until December 2020.

Travel will not change to Europe until a Trade Deal has been agreed and issues like the validity of the European Health Insurance Card have been agreed.

It is important that you have Travel Insurance in place to protect yourself and travel companions whilst travelling in Europe.


At the moment there seems to be no lack of holidays being booked for 2020 in Europe by UK Residents.

We are working with our Travel Insurance Providers in order that business continues as usual. We understand that there is much uncertainty around what will happen after we leave the European Union.

In respect of ensuring that customers are treated fairly, we recommend that all travellers check Government advice and holiday / airline providers terms and conditions before traveling.

Any policy already issued for travel will remain in place and cover will continue as per the contract at the time of sale.

Important Information regarding your Passport

You should make sure that you have at least 6 months left on your passport for travel in Europe. If this is not the case, you may need to check with the Foreign and Commonwealth Office as to your status regarding your passport.

It is always a good idea to check with each country you are visiting as they may have certain regulations in place for British Passport holders.

Driving in Europe

After the transition period, there may be a requiremment for UK drivers to have extra documentation such as an International Drivers Permit. This will not be the case in the Republic of Ireland.

Free Movement across Europe

There may be changes to entry into European countries. At the moment there will be no changes until the transition period ends at the end of 2020.

The biggest change will be that when arriving at Passport Control, UK Residents will not be able to use the EU Nationals speedy check lanes. This could mean a longer period of time entering an EU country.

Travel Compensation could be affected

At the moment United Kingdom Residents can make claims for travel delays, cancellations or abandonment of a trip. This is covered under specific EU Legislation.

European Health Insurance Card after Brexit

If you a planning a trip to Europe this year, you are probably thinking of taking your European Health Insurance Card (EHIC) with you on your trip.

This Card entitles you to State provided medical treatment should you need it when you are visiting most European countries.

As the Government continues with the BREXIT negotiations,  the future of the European Health Insurance Card is not certain.

The only countries that have confimed that the EHIC will continue to be valid are Spain and Ireland. All other countries will not confirm if the EHIC card will continue to be valid.

There was an article on the BBC News website published on 10th October 2019. This article sets out the situation regarding the use of the EHIC card and Travel Insurance requirements.

The European Health Insurance Card is not a substitute for Travel Insurance as it does not cover Repatriation back to the United Kingdom or cover some Pre Existing Medical Conditions.

This card will also not cover you whilst you are taking part in most Sports and Activities.

After Brexit

What is going to happen when the United Kingdom leaves the European Union ?

You should, as mentioned elsewhere in this article, purchase a Travel Insurance Policy.

We can provide cover on a Single Trip, or if you travel more than once a year a Annual Multi Trip policy or if you are planning a longer period of travel the Backpacker policy is available that will allow you piece of mind whilst travelling in Europe or elsewhere in the World.



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