Whether it’s a business trip or a family holiday to the sun, it is a big part of many people’s lives these days. It’s a good idea for everyone to take out travel insurance, and when you have a bleeding disorder, it’s essential to make sure you’re covered.
To save you time, we’ve made a list of travel insurers that provide cover for bleeding disorders and related conditions, some known to us and others recommended by members. You can see the complete list of insurers in our travel fact sheet, together with pointers such as –
- What your travel insurance policy should cover
- About your travel insurance policy
- Important requirements for treatment and travel
- Healthcare insurance and medical matters
- Foreign Travel Advice
- Useful tips about travel
Global Health Insurance Card (GHIC)
The EHIC covers medically necessary state-provided healthcare at a reduced cost or, in many cases, free of charge until your planned return home. This includes treatment of a chronic or pre-existing medical condition that becomes necessary during your visit.
If you apply for a card now, you’ll get the new UK Global Health Insurance Card (GHIC) instead of a European Health Insurance Card (EHIC).
Your EHIC is valid in the EU until it expires. You do not need to apply for a GHIC. If you already have an EHIC. Once your EHIC has expired, you’ll be able to replace it with a GHIC.
Beware of unofficial websites, which may charge if you apply through them. An EHIC or GHIC is free of charge. Apply for your new GHIC card. GHICs only cover you in EU countries. They do not cover you in Norway, Iceland, Liechtenstein or Switzerland.
EHICs issued by other European countries are not affected.
An EHIC is not a substitute for travel insurance. Take out travel insurance before your trip.
Brexit: New rules apply to things like travel and doing business with Europe.
Reciprocal Health Agreement
The UK has reciprocal healthcare agreements with some non-EU countries. Within these countries, you’ll often be treated as if you were a resident of the country you’re visiting – UK reciprocal healthcare agreements with non-EU countries.
Isle of Man – Residents visiting the UK will continue to receive free healthcare, should the need arise, and vice versa, for UK residents visiting the Isle of Man, apart from statutory charges which Isle of Man residents have to pay, such as prescription charges.
Jersey – Jersey and the UK have a Reciprocal Health Agreement which means that if you qualify for free healthcare in Jersey and require emergency treatment when visiting the UK, or vice versa, you won’t have to pay certain healthcare charges. The reciprocal health agreements only cover you if your visit was intended to last for less than three months and you don’t intend to move countries permanently.
The agreement doesn’t cover all costs, e.g. certain types of follow on treatment or travel costs. Patient travel and related charges policy
Guernsey does not currently have a reciprocal health agreement with the UK or Europe, as it is independent of both the NHS and those holding European Health Insurance Cards (EHIC). Currently, there is no reciprocal health agreement with the UK. If you require medical or hospital treatment while you are in the UK (England, Scotland and Wales) and do not have private medical insurance, you will be responsible for paying the full cost for the care you have received from the NHS Trust that has provided this treatment.
Centres around the world
Having a bleeding disorder should never stop you from travelling around the world and experiencing new cultures; however, you should always be prepared.
As well as making sure you have the right visas, bug repellent, enough treatment and of course, the right travel insurance to cover all your medical needs, it’s also essential to make sure you know:
- where the nearest haemophilia centre is to where you will be traveling to, and
- the organisation in that area that may be able to help you if you do need any extra support.
Global Treatment Centre Directory
The World Federation of Hemophilia has a dedicated search engine to enable you to find this information and take it with you while you are away. It is a useful resource for people travelling to other countries and as a directory of haemophilia treaters around the world. Check out the World Federation of Hemophilia’s Global Treatment Centre Directory for a list of all the centres worldwide – find an address or a person.
European Haemophilia Network (EUHANET) also have a list of 84 centres from 26 countries. Click the link to find your nearest 5 European Haemophilia Centres.
And remember to take the information with you just in case you need it!
Whatever happens, make sure you have a great trip and don’t forget your treatment!