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Channel Islands Resident Travel Insurance

JS Travel Insurance provides policies for Residents 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 Travel Insurance policy before you leave your home. The Channel Islands are a British Crown Dependencies, the United Kingdom is responsible for their defense and…

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JS Travel Insurance provides policies for Residents 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 Travel Insurance policy before you leave your home.

The Channel Islands are a British Crown Dependencies, the United Kingdom is responsible for their defense and foreign policies, 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 0800 047 5065 (FREEPHONE) or 01273 773 017 info@jsinsurance.co.uk

JS Travel Insurance can now provide cover for your Gadgets, such as Mobile Phones, Tablets and Computer Game Consoles. You will be able to select this cover on the quote page of our website.

Summary of Cover

Section & Cover Silver Gold Platinum
Cancellation or Curtailment £1,000 £3,000 £7,500
Medical and Repatriation £10,000,000 £10,000,000 £10,000,000
Personal Liability £2,000,000 £2,000,000 £2,000,000
Personal Baggage £1,000 £1,500 £2,500
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
Scheduled Airline Failure £1,500 £1,500 £1,500

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. If you want to get a quote online, you can go to our dedicated website for pre existing medical conditions. For a quote and policy details: CLICK HERE

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 Residents of the Channel Islands. This basically means that Residents 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 islands.

While there still is somewhat of a Reciprocal 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 enjoy emergency health treatment when visiting the United Kingdom, in case an accident happens or they get 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.

Residents of the Channel Islands do not qualify for a European Health Insurance Card (EHIC), nor is travel to the islands by Foreigners covered by that card. Just like Channels Islands Residents are responsible for arranging additional health coverage when travelling abroad, foreign visitors to the island are too.

It is strongly recommended that 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 EU.

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. More information can be obtained at your Local Government Office.

The Channel Islands can be reached by either plane or boat. 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.

It is important to purchase Travel Insurance policy before you leave the country. If it’s just going to be one trip, you will be all set with our Single Trip Travel Insurance policy. Those who plan to do more than one trip a year, you might want to look at the Annual Multi Trip Travel Insurance policy.

Important Information

If you are taking part in any Activity or Sport you should make sure that you are adequately supervised, that appropriate safety equipment (such as protective headwear etc.) are worn at all times and you do not participate in any Sports or Activities for more than 90 days in any one Period of Insurance.

Any Sports or Activities online do not provide Accidental Death & Disability Benefit or Personal Liability cover.

This Travel Insurance is underwritten by Travel Insurance Facilities and Insured by Union Reiseversicherung AG, UK. Travel Insurance Facilities are authorised and regulated by the Financial Conduct Authority. Union Reiseversicherung AG are authorised by BaFin and subject to limited regulation by the Financial Conduct Authority.


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