Travel Insurance

Do I need travel insurance?

Yes, adequate arrangements are deemed essential and we do not advise travelling to the islands without cover. In order to provide you with full cover, insurance should be taken out at the time of booking your holiday. Such insurance should provide you with a wide range of cover which should include benefits for cancellation charges, medical expenses* arising whilst on holiday, loss of luggage or money and personal liability.  *Make sure you're covered for specialised medical transport home (repatriation) and medical transfers for treatment. These are often the most expensive charges when you need overseas treatment.

Click here for a direct link to receive a no-obligation holiday insurance quotation.

​​​​Jersey and Guernsey have a Reciprocal Health Agreement (JHA) with the United Kingdom which means that if you qualify for free healthcare and require emergency treatment when visiting the UK, or vice versa, you won't have to pay certain healthcare charges. 

The agreement doesn't cover all costs, eg. certain types of follow on treatment or travel costs.

​Jersey and UK Reciprocal Health Agreement​ 

Guernsey and UK Reciprocal Health Agreement

If you do require treatment you're not covered for non-urgent conditions and will have to pay for them.

You won't get free treatmen​t for urgent conditions when treatment can be scheduled for a future date.

If you need  emergency treatment that can't be provided locally, the hospital may arrange  for you to be transferred overseas. In such cases, you won't able to choose the hospital you're transferred to and all transfers relating to non-emergency treatment will be charged for.​

​You will also have to pay for:​

  • GP treatment
  • prescriptions
  • some types of medical equipment and supplies
  • certain travel arrangements (eg repatriation)
  • on-going services for an existing treatment plan (eg holiday dialysis)
  • treatment for pre-existing conditions you're awaiting treatment (eg surgery) unless there is a major deterioration in that condition while you're visiting