Millions of holidaymakers are being urged to check a crucial travel document ahead of summer trips, after new figures revealed more than two million cards are due to expire. Consumer site MoneySavingExpert, founded by Martin Lewis, has warned travellers to ensure their European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) is still valid before heading abroad.
A Freedom of Information request submitted by the site found that more than 1.2 million GHICs and around 900,000 EHICs are set to expire in 2026. Without a valid card, travellers could face significant medical costs if they require treatment while overseas. Under the post-Brexit agreement between the UK and the European Union, British travellers remain entitled to access state-provided healthcare in EU countries during temporary stays, including holidays, study or business trips. This includes treatment for pre-existing or chronic conditions.
What You Need to Know
According to GOV.UK, the scheme means patients are typically treated on the same basis as local residents, often reducing or eliminating costs that uninsured travellers might otherwise face. Both EHICs and GHICs are issued free of charge and provide access to state-run hospitals and GP services across much of Europe. However, EHICs are being phased out and while some remain valid, many are now reaching their expiry date. Once expired, travellers must apply for a GHIC, which is typically valid for up to five years, to maintain cover.
The NHS said the GHIC allows people to receive 'necessary state healthcare in the European Economic Area (EEA) and some other countries, on the same basis as a resident of that country', which may be free or charged at a local rate. MoneySavingExpert stressed the importance of checking expiry dates well in advance of travel, warning: “These cards give access to state-run hospitals or GPs in EU countries for the same price as a local - so if it’s free for them, it’s free for you.” However, the site also emphasised that the card should not replace travel insurance. Travellers are still advised to take out comprehensive cover, as GHICs and EHICs do not cover all medical costs, such as private healthcare or repatriation.
How to Apply
A UK GHIC can be applied for free via the NHS website and officials have warned holidaymakers to avoid unofficial third-party sites that may charge unnecessary fees. New cards can be requested up to nine months before the current one expires.
