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Channel Islands Resident Travel Insurance

JS Travel Insurance provides policies for a Resident of The Channel Islands. If you live on one of the Islands and you are travelling to the United Kingdom, Europe or Worldwide, it is important to purchase a policy before you leave your home. The Channel Islands are British Crown Dependencies, the United Kingdom is responsible for their defense and foreign policy,…

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JS Travel Insurance provides policies for a Resident of The Channel Islands. If you live on one of the Islands and you are travelling to the United Kingdom, Europe or Worldwide, it is important to purchase a policy before you leave your home.

The Channel Islands are British Crown Dependencies, the United Kingdom is responsible for their defense and foreign policy, but otherwise they are completely Self Governing.

They are not part of the United Kingdom, nor are they a Member of the European Union.

To get a quote by telephone or email, contact us on + 44 (0)1273 092 757 / support@jsinsurance.co.uk

Summary of Cover

Section & Cover Silver Gold Platinum
Cancellation or Curtailment £1,000 £3,000 £7,500
Medical Expenses and Repatriation £10,000,000 £10,000,000 £10,000,000
Personal Liability £2,000,000 £2,000,000 £2,000,000
Personal Property £1,000 £1,500 £4,000
Laptop Cover £500 £500 £500
Gadget Cover* £1,000 £1,000 £1,000
Personal Money £150 £500 £750
Delayed Departure £100 £1,000 £1,000
Missed Departure £250 £500 £1,000
Legal Expenses £25,000 £25,000 £25,000
Schedule Airline Failure £1,500 £1,500 £1,500
End Supplier Failure £1,500 £1,500 £1,500
Overseas Return Quarantine Included Included Included
Standard Excess** £100 £50 £35

*The Gadget Cover can be added on the quote page at an additional premium.

**The excess payable does vary depending on the claim benefit.

Please read the full Terms and Conditions of this policy provided by JS Travel Insurance.

This Travel Insurance policy is underwritten by Red Sands Insurance Company (Europe) Limited, registered in Gibraltar under number 87598, registered office at Level 3, Ocean Village Business Centre, 23 Ocean Village Promenade, Gibraltar. Licensed and regulated by the Gibraltar Financial Services Commission under the Financial Services Act 2019 of Gibraltar.

Reciprocal Health Agreement

The Department of Health modified the Reciprocal Health Agreement between the United Kingdom and The Channel Islands in 2009.

This means that if British Tourists fall ill or are injured whilst in The Channel Islands, they will not be automatically covered for all medical expenses and vice versa for a Resident of the Channel Islands.

This basically means that a Resident of The Channel Islands do not have the exact same benefits with regards to health coverage in the United Kingdom, Europe and the Rest of the World, than they do on their home Island.

While there still is somewhat of a Reciprocal Health Agreement concerning health care between The Channel Islands and the United Kingdom, there are a number of exceptions travellers should be aware of.

Residents of The Channel Islands qualify for free health care at home, while also being able to get emergency health treatment when visiting the United Kingdom, in case an accident happens or they are taken ill.

This agreement requires visitors to stay in the United Kingdom for a minimum of two nights and only covers visitors for stays of maximum three months. People who stay shorter or longer are fully responsible for their own health care costs.

Additionally and this is quite important, Repatriation costs are not covered, which means that if you need to be transported back to your home in The Channel Islands, you will have to pay the costs.

The agreement also doesn’t cover any medical treatments for non urgent conditions, nor does it cover treatment that can be scheduled on a later date.

Just like Channels Island Residents are responsible for arranging additional health coverage when travelling abroad, foreign visitors to the island are too.

It is strongly recommended that The Channel Islanders who are planning on travelling abroad get in touch with their respective Social Security Department with any questions concerning health and Travel Insurance that they may have.

Because of all these exceptions, any Resident of The Channel Islands who wants to visit the United Kingdom (and to all other parts of the world, for that matter) is strongly encouraged to purchase additional Travel Insurance.

Residents of The Channel Islands are allowed to live and work in the United Kingdom and do not require a passport to travel around the United Kingdom and Ireland, but they do not have the same rights as British citizens to live and work in all other countries in the European Union.

British passports are issued to Residents of the Channels Islands, people who were born on the islands and whose parents were born on the islands.

This British passport of Channel Islanders is not the same as a regular British passport. Channel Islanders who have no connection to mainland Britain have an Islander Status and possibly an additional endorsement in their passports limiting their ability to travel freely.

They are advised to always bring their passports when travelling abroad, for a regular ID card might not be enough to travel to mainland Europe. In practice, though, there won’t be a whole lot of inconveniences when travelling abroad.

Travel from The Channel Islands

Guernsey Airport and Jersey Airport are the two main airports on the islands, connecting them with places such as Liverpool, Manchester, Southampton, London, Glasgow, Birmingham, the Isle of Man and France.

Ferry connections are abundant and connect the Channel Islands with Northern France, Portsmouth and Poole.

Global Health Insurance Card

The GHIC (Global Health Insurance Card) replaced the EHIC (European Health Insurance Card) on the 1st January 2021.

You can use this card to access medical healthcare abroad. This includes state healthcare including emergency treatment, treatment for existing medical conditions, routine maternaty care, oxygen therapy, kidney treatment and many more healthcare requirements.

Please Note: This is not a substitute for Travel Insurance, as there are restrictions on cover and you might have to pay some costs. It is important to note that this card will not cover Repatriation.

Apply for a GHIC Card

Pre Existing Medical Conditions

If you have pre existing medical conditions and you are a Resident of the Channel Islands, we are able to provide you with a policy.

GET A QUOTE ONLINE

Please check the Policy Wording for any Restrictions or Exclusions.

Covid-19 / Coronavirus Cover

Our Travel Insurance can cover you to travel from the Channel Islands provided the Foreign, Commonwealth and Development Office (FCDO) is not advising against all, or all but essential travel to your destination and it is not on the red list.

All customers must follow the advice of the FCDO at the time of travel and for the duration of their trip. This includes returning to the UK if the FCDO changes their travel advice based on the risks presented at the time. https://www.gov.uk/foreign-travel-advice

  • Medical Expenses and Repatriation, when medically necessary, if you contract COVID-19 whilst abroad.
  • Cancellation if you are unable to travel because you contracted COVID-19 within 14 days of your departure date. This includes a positive pre-travel test.
  • Overseas Return Quarantine: Cover for additional accommodation & transport costs (limits apply) if you are unable to return home due to contracting Covid-19 and being told to self-isolate abroad.

Already Travelled to The Channel Islands

Already travelled to the Channel Islands? Forgotten to take cover? Travel Insurance has run out?

Globelink International offers a Single Trip policy if you have already travelled to the Channel Islands.

This policy is available for all UK and EU and EEA Residents including Residents of Iceland, Liechtenstein and Norway

GET A QUOTE ONLINE

Please check the Policy Wording for any Restrictions or Exclusions.

Useful Websites

Holiday Weather

Daily worldwide forecasts and weather averages for your holiday.

Foreign Travel Advice

Information on safety, local laws, entry requirements, and more.


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