# Does GHIC replace travel insurance?

> Quick answer · Last updated 4 July 2026

Canonical HTML: https://moneyguide.org.uk/answers/does-ghic-replace-travel-insurance/
Markdown mirror: https://moneyguide.org.uk/answers/does-ghic-replace-travel-insurance.md

## In short

No. GHIC covers medically necessary state treatment in participating countries — not private hospitals, repatriation, cancelled trips, lost baggage or liability. Travel insurance fills those gaps.

Many insurers reduce medical excess if you hold a valid GHIC.

USA, Canada and most non-European destinations need full travel insurance — GHIC does not apply.

See travel insurance how to buy guide.

## Related

- [GHIC explained](https://moneyguide.org.uk/insurance/ghic-ehic-explained/)
- [Travel insurance how to buy](https://moneyguide.org.uk/insurance/travel-insurance-how-to-buy/)

## Primary source

nhs.uk/using-the-nhs/healthcare-abroad

---

Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.