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.
See GHIC explained and compare travel insurance guide.
Primary source: gov.uk/guidance/foreign-travel-insurance
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