The impact of Brexit on your travel plans

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The impact of Brexit on your travel plans


From 1st January 2021 access to healthcare in some European countries using a UK-issued EHIC is changing. If you’re travelling to Switzerland, Norway, Iceland or Liechtenstein, your EHIC will be valid up to 31st December 2020. If you’re on a trip to any of these countries that starts before 1st January, you will be able to keep using your UK-issued EHIC until the trip ends. Please note, in Norway you can use a UK passport to get medically necessary healthcare (for example emergency treatment, or to treat a pre-existing condition).

Your current EHIC will continue to be valid until the expiry date stated on the card if you’re travelling countries in the EU, excluding those stated above. A small number of people can apply for a new UK EHIC that they can continue to use from 1st January 2021.


If you have travel insurance included as part of your home insurance policy (Signature policies) or have opted to add travel insurance on to your home insurance policy, the following text replaces the “Health Agreements” paragraph on page 55 of your policy booklet from 00.01 on 1st January 2021. 

Reciprocal Health Agreements

If you are travelling to countries within the European Union (EU), European Economic Area (EEA) or Switzerland and you hold an European Health Insurance Card (EHIC) issued before the end of 2020, it will be valid until their expiry date (on the front of your card), entitling you to reduced cost or Free State healthcare within the EU countries that you visit. Your travel insurance will cover you for other medical costs, which are not covered under the EHIC arrangement or alternative reciprocal health agreement, subject to the terms and conditions of your policy.

This text replaces the Health Agreements paragraph on page 55 of your policy booklet.

Your Consumer Rights

Your rights as a passenger will remain the same from 1st January 2021. Before travelling keep up with the latest Government advice.

  • If you book your package holiday with an Association of British Travel Agents (ABTA) member, your rights will be unaffected from 1 January 2021.
  • The UK Air Travel Organisers’ Licence (ATOL) scheme provides protection for travellers who book a holiday which includes a flight. Your rights will be unaffected from 1st January 2021.