How much medical cover do I need on travel insurance?
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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.
Last reviewed:
Reviewed by Kaiser Khan
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. TravelShifu: [GHIC vs travel insurance](travelshifu.com/guides/ghic-travel-insurance-europe).
See our GHIC explained and compare travel insurance guides.
Primary source: gov.uk/guidance/foreign-travel-insurance
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