Travel Insurance and Brexit – What will be the situation with travel ?
A Brexit deal has been done !! AGAIN !!!
The other European Countries who are part of the European Union have agreed an extension, until 31st January 2020.
The General Election is now confirmed for 12th December 2019 !
It is ESSENTIAL that you have Travel Insurance in place and protect yourself and travel companions whilst travelling in Europe.
At the moment there seems to be no lack of holidays being booked for 2019 in Europe by UK Residents.
As the extension has been agreed until 31st January 2020, nothing will change and travel to Europe will remain the same as it is at the moment.
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 on and after the new extension date.
In respect of ensuring that customers are treated fairly, we recommend that all travellers check Government advise and holiday / airline providers terms and conditions before traveling.
Any policy already issued for travel post BREXIT will remain in place and cover will continue as per the contract at the time of sale.
If there is no Brexit deal and the individual (s) are already in Europe:
- If a customer is abroad, we will automatically extend their cover with no additional premium, if for example air traffic is grounded.
- If a customer has a policy in place and is unable to travel, we will offer a full refund or the option to change their travel dates within the usual terms of a policy.
Important Information regarding your Passport
In the event of a no deal Brexit, 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.
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 next summer, Brexit might be a reality by then or not !! 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 after BREXIT, is Spain and Ireland. All other countries will not confirm if the EHIC card will continue to be valid.
An article on the BBC News website published on 10th October 2019. Sets out the situation regarding use of the EHIC card and Travel Insurance requirements.
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.
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.
Get a quote online and we are here to help if you have any questions.
0800 047 5065