# How much medical cover do I need on travel insurance?

> Quick answer · Last updated 5 July 2026

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## In short

At least £2 million medical cover for Europe and £5 million for worldwide including USA — repatriation should be included, not optional.

USA hospital bills can exceed £100,000 quickly — under-insurance leaves you personally liable.

Repatriation by air ambulance is expensive — verify it is within the medical section limit.

GHIC helps in the EU but does not replace travel insurance for private care or repatriation.

See GHIC explained and compare travel insurance guide.

## Related

- [Compare travel insurance](https://moneyguide.org.uk/insurance/compare-travel-insurance-guide/)
- [Travel insurance essentials](https://moneyguide.org.uk/insurance/travel-insurance-essentials/)
- [GHIC explained](https://moneyguide.org.uk/insurance/ghic-ehic-explained/)

## Primary source

gov.uk/guidance/foreign-travel-insurance

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