People are being urged to check theirs as soon as possible before peak season
An alert has been issued by money specialists, as an important document is expected to expire for millions of people in the UK this year. It is raising concerns that large numbers of British travellers could be caught out just as the holiday season reaches its peak.
More than 1.2 million UK Global Health Insurance Cards (GHICs) are due to expire in 2026. Nearly 800,000 are expected to run out during the peak summer holiday months of July to September, according to new Freedom of Information data accessed by PayingTooMuch, a travel insurance comparison site.
The NHS says a GHIC lets you get necessary state healthcare in the European Economic Area (EEA) and in some other countries on the same basis as a resident of those countries. This may be free, or it may require a payment equivalent to that which a local resident would pay.
On the NHS website, it states: “A UK GHIC is free and lasts for up to five years. Apply for your new card through the NHS website. Avoid unofficial websites – they may charge you a fee to apply. The UK GHIC is not a replacement for travel insurance. We advise you to have private travel and medical insurance for the duration of your trip.”
The FOI sent to NHS Business Services Authority also highlights a significant rise in expiring cards this summer. The data shows that more than 290,000 GHICs are due to run out in August alone, coinciding with the busiest period for overseas travel.
In response, a money specialist warns that thousands of travellers could unknowingly head abroad with expired GHICs this summer. While this is a small detail often missed amid holiday planning, it’s one that could lead to serious consequences.
Hannah Mayfield (DipFA), founder of What Is Wealth, says the sheer volume of 2026 expiries could leave many people caught out. She said: “If you fall ill or face a medical emergency, discovering too late that your GHIC is no longer valid only adds stress at the worst possible moment.
“With such a high number of GHICs expiring this year, particularly during the busy summer holiday period, it’s vital that travellers check their card well in advance. It is an easy detail to overlook, but one that could leave you seriously exposed once you are already overseas.”
Mayfield warns that the risks do not stop at travelling with an expired card. The FOI data also shows how expensive medical treatment abroad can become, even when state support is accessible. The highest GHIC/EHIC claim last year exceeded £340,000, while the second highest topped £226,000.
“That is the part many travellers may not fully realise,” explains Mayfield. “While a GHIC can help to access basic state-provided healthcare, it is not designed to cover the full range of issues travellers commonly encounter – from private treatment costs if needed to flight cancellations, lost bags or emergency repatriation to bring you home.”
A GHIC is accepted in most EU countries, plus a few additional countries with reciprocal healthcare agreements. It can reduce your medical costs abroad if you need treatment, but it doesn’t make treatment completely free or cover everything.
You might still have to pay for your treatment upfront and buy prescriptions, which you can then claim back through your travel insurance. If you use your GHIC to pay medical fees abroad and make a medical claim through your travel insurance, some providers waive the policy excess on the medical claim, ultimately saving you money.
Mayfield reminds holidaymakers that travel insurance is an essential part of holiday planning, as a good policy provides protection in areas that the GHIC does not. When choosing a policy, she advises checking that cancellation cover matches the full cost of your holiday and ensuring it is tailored to your health needs, destination, and excursions. Comparing travel insurance is a good way to find cover that suits you and the type of trip you are taking, especially if you have with pre-existing health conditions.”
With so many GHICs expiring this year, experts recommend travellers check their card and travel insurance at the same time they book the trip. Renewing early is particularly important if your card expires within six months of your trip, as leaving it too late can lead to complications if treatment is needed overseas.
“You can apply for a free GHIC directly from the official UK government website. All family members should have one in their name. You’ll need your UK address and some basic personal details and usually it will arrive within 7-10 working days.
“Be wary of bogus sites asking you to pay for a GHIC as you don’t need to, they are free,” she adds. Mayfield urges travellers to “check their GHIC now, don’t wait until the airport to discover it has expired.”
