Brexit & Travel Insurance
Last updated on 01/22/2020
How Will Brexit Affect Travel Insurance for US Travelers?
If you're an American citizen traveling to the UK and then onto the EU post-Brexit, you do not have to buy two separate travel insurance policies. Travel insurance will cover multiple destinations visited over the course of one trip. Brexit won't matter for your trip.
When Will Brexit Happen?
The current deadline for Brexit is January 31, 2020, but it's hard to say exactly when Brexit will happen. The deadline has already been postponed several times.
How Will Travel Insurance be Affected After Brexit?
It's hard to predict the impact on US travelers. Right now, we are recommending that those with upcoming travel plans to the UK or any other country in the EU consider a comprehensive travel insurance plan that offers travel delay coverage for any delay of a common carrier. This may help, in case of any flight delays. But, it could be business as usual. The overall travel impact of Brexit will become clearer once details are finalized and passengers should check with their airlines regarding any reimbursement options for travel delays and cancellations related to Brexit.
Those who may have concerns over the potential travel implications can also request a travel insurance plan that includes Cancel For Any Reason (CFAR). This is an optional travel insurance benefit available on some of the plans available from InsureMyTrip.
Bottom line: The industry is still waiting to see how Brexit will play out and how travel insurance coverage will be affected.
What Should UK Citizens Consider When Buying Travel Insurance?
British citizens may want to look at a travel medical plan in case their medical coverage will no longer cover treatment outside of their respective region.
UK-based travel insurance companies that are closely watching Brexit developments are regularly updating their websites with the latest information for travelers.
Some travel insurance companies in the UK have already responded. For example, AXA offers an optional "Brexit Travel Disruption" coverage, which aims to protect UK travelers if Brexit causes delays or cancellations to trains, flights, or other public transportation.
Will UK Citizens Need a Visa to Travel to the EU After Brexit?
Recently, the European Parliament confirmed that UK travelers will not require a visa for travel to the EU post-Brexit. However, this applies only to short-term business trips or leisure trips lasting up to 90 days and taking place within a 180-day period. Additionally, this will be true even if the UK leaves the EU without a deal.
How Will UK Passports Change After Brexit?
Although the design of British passports will change as a result of Brexit (regardless of whether the UK leaves with or without a deal), the rules for UK passports will also change. The changing passport rules are arguably more important to travelers. However due to the uncertainty surrounding Brexit, specific details have yet to be finalized.
With that said, the UK government recommends British citizens to first check the expiration date of their passport. If the UK leaves the EU without striking a deal, travelers should have at least six months of validity from the date they arrive in an EU country. However, this only applies to travel after the UK leaves the EU, so the window could change if the deadline is postponed.
Travelers should also find out when their passports were renewed. If a 10-year adult passport was renewed before it expired, extra months might have been added to the expiration date. However, these extra months beyond 10 years do not count towards the six months that must be remaining. The UK government recently created a tool to check passport validity under these rules.
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.