Is ehic still valid?

Why EHIC validity matters for UK travellers

Understanding whether your EHIC is still valid is crucial for avoiding unexpected medical bills while holidaying in Europe. Under the UK's withdrawal agreement from the EU, existing cards remain functional until they expire, providing access to state-provided healthcare at the same cost as a local resident. However, relying solely on an EHIC can be risky. It is not a replacement for travel insurance, as it does not cover mountain rescue, private medical costs, or the significant expense of being flown back to the UK in an emergency. Checking your card now ensures you are not left without basic cover during your next trip.

• Check the expiry date in the bottom right corner of your card
• Ensure the card is used only in participating EU countries
• Understand that EHIC does not cover private clinic fees
• Verify your residency status if you are a non-UK national
• Keep the card on your person at all times during travel

What is covered by a valid EHIC or GHIC

A valid EHIC or its successor, the GHIC, covers 'necessary healthcare' from state providers in EU countries. This includes emergency treatment and visits to A&E, as well as routine maternity care and renal dialysis, provided these are not the primary reason for your travel. The goal is to allow you to continue your stay without having to return home early for treatment. It is important to remember that 'state-provided' varies by country; in some nations, patients are expected to pay a percentage of the costs upfront, which may be non-refundable.

• Emergency room treatment and ambulance services
• Treatment for chronic or pre-existing conditions
• Routine medical care for symptoms arising during the trip
• Oxygen therapy and chemotherapy with prior arrangement
• State-provided GP consultations and hospital stays

What is not covered by the card

Many UK travellers mistakenly believe that a valid EHIC provides comprehensive protection similar to a private insurance policy. In reality, the card has significant limitations. It will not cover the cost of repatriation - the medical transport required to fly you back to a UK hospital - which can cost tens of thousands of pounds. Furthermore, it does not provide any cover for non-medical issues such as cancelled flights, lost baggage, or legal liabilities. If you require treatment in a private facility, which is common in many European holiday resorts, the EHIC will be declined entirely.

Typical costs and insurance pricing factors

While the GHIC and EHIC are free to obtain via official NHS channels, they should be paired with a robust travel insurance policy. For a typical one-week trip to Spain or France in 2026, a basic insurance policy for a healthy adult might cost between £12 and £25. Prices fluctuate based on your age, the specific European destination, and any pre-existing medical conditions you declare. Insurers often waive the policy excess for medical claims if you have used your EHIC or GHIC to reduce the cost of your treatment, making the card a valuable tool for saving money even when insured.

Choosing between EHIC and GHIC for your destination

When your EHIC expires, most UK residents will automatically be issued a GHIC. While the names differ, the level of cover in the EU is largely the same. However, the geographic scope has changed since Brexit. The GHIC is generally valid in EU countries only and does not cover Iceland, Liechtenstein, or Switzerland, whereas some specific groups of people, such as certain pensioners living abroad or students, may still be eligible for a 'new' UK EHIC that retains broader geographic coverage. Always check the FCDO website for the specific requirements of your destination.

• GHIC is valid in all 27 EU member states
• EHIC may still be required for Switzerland for specific users
• Norway accepts UK passports for emergency medical care
• Iceland and Liechtenstein typically require private insurance
• Neither card is valid in Turkey or Northern Cyprus

Evidence and the claims process

If you need to use your card abroad, you must present it at the time of treatment at a state-run hospital or clinic. If you do not have your card with you, or if it expires while you are away, you can apply for a Provisional Replacement Certificate (PRC) by contacting NHS Overseas Healthcare Services. This certificate provides the same cover as the card and can be emailed directly to the medical facility. If you are also claiming through your travel insurance, ensure you keep all receipts, medical reports, and a copy of the PRC to provide as evidence to your insurer.

Regulatory context and FCDO advice

The Foreign, Commonwealth and Development Office (FCDO) strongly advises all UK travellers to hold both a valid EHIC or GHIC and a comprehensive travel insurance policy. This dual-layered approach is supported by the Association of British Insurers (ABI), which notes that the cards help keep insurance premiums stable by offsetting costs to the state system. The Financial Conduct Authority (FCA) ensures that insurers clearly communicate what is and isn't covered, but it remains the traveller's responsibility to ensure their card is in date before departure.

Practical checklist for your next trip

Preparation is key to ensuring you are not caught out by medical expenses in Europe. Before you head to the airport, take a few minutes to verify your documents and understand the local healthcare landscape. Remember that the GHIC application is always free; avoid third-party websites that charge a fee for this service. If your card expires within the next six months, you can apply for a renewal immediately to ensure continuous cover for your upcoming travels.