Brits with holidays booked this year to Europe could risk facing issues entering Europe if they don’t check a number on their passport well in advance
Schools across the UK will close for the six-week summer holiday, and thousands of families will be taking the opportunity to spend time together abroad during the peak travel season. However, a travel insurance specialist has issued an alert urging people to check a specific number on their passports before they jet away to avoid risk of being refused entry to Europe.
Travellers with passports issued before 2018 are being warned that they could face issues entering Europe if they don’t check a specific number, thanks to a ’10-year passport rule’. New analysis from Saga Travel Insurance found that the EU and Schengen ’10-year passport rule’ was the most discussed passport concern among travellers on Reddit, with discussions amassing 35,417 upvotes across the platform.
The Schengen area is a group of 29 European countries where travellers can move between countries without routine passport checks. It includes popular holiday destinations such as France, Spain, Italy, Greece and Portugal.
Michelle Cooper, Director of Saga Travel Insurance, said: “EU and Schengen countries require passports to be less than 10 years old on the day of entry. While all new passports last exactly ten years, passports issued before 2018 remain valid for 10 years and nine months.
“If you have an older passport, make sure you check both the issue date and expiry date before travelling to avoid problems at the border.” Michelle warns that passengers travelling with these 10-year and nine-month passports may face issues travelling in Europe if they’re in the final nine months of their passport.”
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The analysis also found that more than three-quarters (80%) of holidaymakers are unaware that different countries have different passport validity requirements, according to Saga Travel Insurance’s survey. Meanwhile, half (50%) believe that every country requires a passport to have six months remaining before travel.
Michelle said: “It’s important to check the specific rules of the country you’re travelling to so that you know how long you need to keep your passport. Some destinations require three months remaining on your passport, while others require six months.
“If you travel to a country without enough time left on your passport, there is a possibility you’ll be denied entry into the country. This could be by your airline, before flying, or by border security, once you reach your destination. If you’re denied boarding or refused entry because your passport doesn’t meet those rules, travel insurance is unlikely to cover costs such as cancelled accommodation, missed flights or return travel expenses.
“This is because the responsibility typically sits with the traveller to ensure their passport meets the entry requirements of the country they’re visiting. That’s why checking your passport carefully before travelling is one of the most important things you can do before a holiday.”
Frequent flyers could be turned away for not having enough blank passport pages
Some countries require travellers to have a minimum number of blank pages remaining in their passports for stamps and visas. Michelle says: “People can sometimes focus entirely on expiry dates and forget to check how many blank pages they have left, but some destinations can refuse entry if there isn’t enough room for official stamps or visa documentation.
“If you’re a frequent traveller, you should regularly check how many blank pages you have remaining in your passport before booking a trip. You might also benefit from purchasing a passport with additional blank pages.
“As travel systems evolve, including the gradual rollout of digital border systems such as the EU’s Entry/Exit System (EES), physical passport stamping may become less common. But for now, requirements can still vary depending on destination and border process.”
What should you do if you lose your passport?
One in 20 (5%) Brits have needed an emergency replacement passport before travelling, according to Saga Travel Insurance’s survey. And, one in 25 (4%) have cancelled a holiday because they couldn’t find their passport before departure.
Michelle says: “If you lose your passport before travelling, you can apply for a one-week fast-track application. This is an in-person application that requires an appointment, so it’s important to factor in booking availability – as well as the additional cost. It’s £76 more than a standard passport but means you should still be able to go on holiday.
“If you lose your passport while abroad, you should report this to the HM Passport Office as soon as possible. You will also need to apply for an emergency travel document online so that you can travel home. You’ll typically need a valid digital passport photo, your phone number, an email address, and a debit or credit card to make the £125 payment.
“If the loss of your passport means that you need to delay or rearrange your journey home, travel insurance may be able to help with some of the associated costs depending on your policy. Check your insurance documents and contact your insurer as soon as possible to understand your next steps.”
Brits warned over new ETIAS travel checks for Europe
From late 2026, British travellers visiting most European countries will need to apply for a new European Travel Information and Authorisation System (ETIAS) before travelling. The new system is similar to the UK’s Electronic Travel Authorisation (ETA) scheme and will apply to visa-exempt travellers visiting 30 European countries for short stays of up to 90 days within a 180-day period.
Michelle says: “Travellers may not realise that visiting Europe will soon involve an additional pre-travel authorisation step. From late 2026, British holidaymakers will need to apply for ETIAS approval before travelling to many popular European destinations. The authorisation will be linked directly to your passport, meaning travellers could be denied boarding if their ETIAS details don’t match their travel document or if the authorisation has expired.
“Most ETIAS applications are expected to be processed within minutes, but it could take longer if additional checks are required. Holidaymakers should apply well in advance of departure to avoid last-minute disruptions.”
She added: “Similar systems already exist elsewhere. For example, UK travellers visiting the United States must apply for an Electronic System for Travel Authorisation (ESTA) before departure. These systems are becoming more common globally, so it’s important to check requirements for each destination well ahead of travel.
“As with passport validity rules, people are responsible for making sure they have the correct travel authorisation before they leave the country. If someone is unable to travel because they failed to obtain valid ETIAS or ESTA approval, travel insurance is unlikely to cover costs associated with denied boarding or cancelled trips.”
