GHIC Does Not Cover the USA or Canada
This is the number one error made by UK travellers to North America. The Global Health Insurance Card (GHIC) โ the post-Brexit replacement for the EHIC โ covers NHS-equivalent healthcare in EU member states and a small number of partner countries. It has no validity in the USA, Canada, or Mexico.
US healthcare costs are among the highest in the world. A single night in a US hospital can cost ยฃ10,000โยฃ30,000 without insurance. An emergency medical evacuation home can cost six figures. Comprehensive travel insurance is not optional for any North America trip.
What your travel insurance must cover for USA travel:
- Medical expenses: minimum ยฃ2 million (most reputable policies offer ยฃ5โ10 million)
- Emergency medical evacuation and repatriation
- Personal liability
- Cancellation and curtailment
- Lost or stolen documents (including passport and match tickets)
Buy insurance the moment you book your flights. This ensures cancellation cover applies from the booking date โ not just from the date you purchase the policy.
Canada's healthcare is lower cost than the USA but still significant for foreign visitors. Mexico's costs are lower again. A single comprehensive policy typically covers all three countries.