Best Travel Insurance for Guernsey in 2025
- The best travel insurance plans for Guernsey
- Is It Currently Safe to Travel to Guernsey?
- Is travel insurance required to enter Guernsey?
- Why take out travel insurance for Guernsey?
- Travel Insurance Coverage for Guernsey
- The cost of travel insurance for Guernsey
- How to pay less for your travel insurance to Guernsey
- Can I rely on my current insurance to cover me in Guernsey?
- FAQ
Travel insurance for Guernsey: key takeaways
1. Definition: Travel insurance for Guernsey covers medical emergencies, trip cancellation, and lost luggage during your visit.
2. Key protection: Insurance is not required for entry, but it covers healthcare costs not covered for US citizens.
3. Healthcare cost: Healthcare is expensive; a hospital night can cost over $1,000 for non-resident visitors.
4. Price: A one-week travel insurance policy for Guernsey typically costs between $25 and $50.
5. Good to know: Guernsey is not part of the UK's NHS; US visitors must pay for all medical care.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Guernsey.
The best travel insurance plans for Guernsey
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | A top choice for travel to Guernsey. - high medical reimbursement - repatriation covered - wide range of services |
| Cap Assistance 24/24 | $1.1M | Suitable for short stays and emergencies in Guernsey. - 24/7 medical support - cancellation covered - no deductible |
| Tourist Card | $540K | Practical coverage for vacationers. - solid medical protection - emergency assistance - attractive cost |
| Travel Pass Monde | $750K | Balanced plan for most travelers to Guernsey. - hospital costs included - repatriation - covers most needs |
| Globe Partner | $325K | Simple and reliable for extended stays. - overseas medical cover - repatriation - civil liability included |
| Globe Traveller | $540K | Good value for low-risk, short trips to Guernsey. - basic medical cover - fast reimbursement - modest ceiling |
- high medical reimbursement
- repatriation covered
- wide range of services
- 24/7 medical support
- cancellation covered
- no deductible
- solid medical protection
- emergency assistance
- attractive cost
- hospital costs included
- repatriation
- covers most needs
- overseas medical cover
- repatriation
- civil liability included
- basic medical cover
- fast reimbursement
- modest ceiling
Is It Currently Safe to Travel to Guernsey?
As of June 2025, the US Department of State advises travelers to exercise increased caution in Guernsey, primarily due to the general global terrorism threat, but there are no specific warnings against travel to the island.
Here are their four main recommendations.
- Security risks: the main concern is terrorism, which targets crowded places and tourist areas across Europe. In Guernsey, extra caution is advised in busy locations such as the St Peter Port harbor during major events.
- Health risks: routine vaccinations such as MMR and flu are strongly recommended, and a polio booster should be considered due to cases detected in the UK. For those planning to visit smaller towns or eat street food, Hepatitis A vaccination is also advised.
- Legal requirements: travelers must show a valid US passport on arrival, and a visa is not needed for stays under six months. Always respect local regulations, especially regarding quarantine rules if public health alerts are in effect.
- Cultural norms: Guernsey hosts many public festivals where large crowds are common, and travelers are advised to stay aware of their belongings at all times. Public transport and pedestrian areas are generally safe but can become quite busy in summer months.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Guernsey.
Is travel insurance required to enter Guernsey?
No, travel insurance is not mandatory for US citizens to travel to Guernsey.
However, it is strongly recommended to have travel insurance, as medical expenses and emergency evacuation costs can be significant if unexpected health issues arise during your stay.
According to our data, 50% of travelers purchase travel insurance before going to Guernsey. This is mainly due to the high cost of healthcare and the need for reliable emergency support abroad.
Why take out travel insurance for Guernsey?
It is an essential financial and medical protection for anyone going to Guernsey.
Foreign visitors in Guernsey must pay in full for all medical services, as there is no public system available for tourists and access is only provided through private clinics and the Princess Elizabeth Hospital in St Peter Port. Hospitalization, emergency care, and even simple treatments can result in significant expenses.
Travel insurance covers medical fees, hospitalization, medication, ambulance transportation, and emergency repatriation to the US if necessary.
Here are some examples of healthcare costs in Guernsey.
| Example of medical treatment | Cost at Princess Elizabeth Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | £2,500 (approx. $3,200) | Up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | £900 (approx. $1,150) | Up to 100% |
| I need to be repatriated | £18,000 (approx. $23,000) | Up to 100% |
| I have appendicitis (consultation and surgery) | £7,500 (approx. $9,600) | Up to 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
Travel Insurance Coverage for Guernsey
Here is a summary table of the main coverages you should look for in a travel insurance policy for Guernsey.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor's fees, hospital stays, and surgery if you are sick or injured. We recommend a reimbursement limit of at least $150,000 for Guernsey. |
| ✈️ Emergency evacuation | Pays for transportation to the nearest suitable hospital or to the US in case of a major medical issue. Choose a policy offering at least $200,000 in evacuation coverage. |
| 🚑 Repatriation | Covers transport of remains or for medical repatriation in serious cases. Minimum recommended: $30,000. |
| 🎒 Baggage and personal effects | Protects lost, stolen, or damaged luggage and belongings during your trip. Recommended limit: $2,000–$3,000. |
| 💰 Trip cancellation & interruption | Reimburses non-refundable costs if you must cancel or cut short your trip for valid reasons. Recommended minimum: $5,000. |
| 🏛️ Personal liability | Covers injury or damage you unintentionally cause to a third party abroad. Suggested minimum: $50,000. |
| 💉 Pre-existing medical conditions | Covers emergency treatment for existing health issues, if accepted by the insurer. Check that your coverage amount matches recommended limits for standard medical expenses. |
| 📞 24/7 Assistance services | Provides emergency support, medical advice, and help with formalities at all times. This service should be included with every quality policy. |
We recommend a reimbursement limit of at least $150,000 for Guernsey.
Choose a policy offering at least $200,000 in evacuation coverage.
Minimum recommended: $30,000.
Recommended limit: $2,000–$3,000.
Recommended minimum: $5,000.
Suggested minimum: $50,000.
Check that your coverage amount matches recommended limits for standard medical expenses.
This service should be included with every quality policy.
Travel insurance offered by your bank card or a local provider is often limited, with low coverage limits and multiple exclusions. Prefer a reliable insurer with full benefits. Compare top options on HelloSafe and subscribe online for instant proof of coverage.
The cost of travel insurance for Guernsey
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $32 |
| 2 weeks | 45 years old | $46 |
| 1 month | 35 years old | $70 |
| 1 month | 70 years old | $150 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your travel insurance is determined by several key details: your age, trip length, destination, coverage amount, and any selected add-ons like a cancellation option. It's important to keep these factors in mind to select the right policy that fits your needs and budget for your trip.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Guernsey
Here are some suggestions to optimize the cost of your travel insurance to Guernsey while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🧳 Trip duration | Shorter trips reduce risk exposure and premium. Insurers base quotes on the total length of stay. | Buy insurance only for actual travel dates and avoid overlapping extra days. |
| 🗺️ Level of coverage | Guernsey’s public health system may charge non-residents. Over-insuring with high limits can increase cost. | Choose coverage for medical expenses and evacuation only up to $100,000 if possible. |
| 👥 Number of travelers | More people increase the total premium, but family/group policies may lower individual rates. | Select a family plan or group policy to get discounts when traveling together. |
| 🏥 Deductible amount | Higher deductibles mean lower premiums if you can pay more out of pocket for minor claims. | Opt for a higher deductible if you can manage possible minor costs yourself. |
| 🌍 Multi-trip vs single | Buying a policy for several trips may be cheaper than single-insurance for each journey. | If you plan multiple trips to Europe within a year, compare annual multi-trip options. |
| 👶 Traveler’s age | Age significantly impacts the rate for travel insurance, especially for seniors. | For older travelers, the insurer Heymondo does not increase its prices for people over 62. |
| 💳 Payment method | Some credit cards may offer basic overseas travel insurance. | Check your credit card benefits before buying, but verify limits before you rely solely on it. |
Important
Always check all policy documents for excluded activities and specific sub-limits, especially regarding medical evacuation and treatment in the United Kingdom or Channel Islands.
Can I rely on my current insurance to cover me in Guernsey?
It is completely legitimate to wonder whether your current coverage, such as credit card insurance or your public health insurance, will cover you during a trip to Guernsey. Unfortunately, this coverage is often limited or insufficient. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Guernsey? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance | No, never | No coverage for doctor visits, hospital stay, repatriation, or emergencies | Travel insurance covers over $100,000 in medical care and emergency repatriation |
| Private health insurance | Yes, partly | Some emergency care abroad (up to $10,000), no repatriation or trip cancelation | Travel insurance includes over $100,000, trip cancellation, and 24/7 assistance |
| Classic credit card (Chase Freedom, Citi Double Cash, Wells Fargo Platinum) | Yes, partly | Medical emergencies under $2,500, no cancellation or lost luggage coverage | Travel insurance covers over $100,000, luggage, and trip cancellation |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige) | Yes, partly | Medical up to $25,000, limited trip delay/luggage loss ($1,000) | Travel insurance covers over $100,000, higher limits on baggage and delays |
Example
While cliff walking in Guernsey, Sarah fell, fracturing her ankle. The surgery and hospital stay cost $25,000. Her Chase Sapphire card's travel benefit only covered $2,000, and her US health plan deemed the hospital 'out-of-network,' leaving her with a staggering $23,000 bill for what she thought was a simple hike.
Expert advice
Always review the terms, exclusions, and limits of your current coverage. Essential situations, like trip interruption due to a relative’s illness or death, are often excluded. Read your policy carefully to avoid surprises abroad. In all cases, it is safer and more reassuring to purchase dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Guernsey?
U.S. citizens do not need a visa for tourist stays in Guernsey for up to 6 months. You must have a valid U.S. passport with sufficient validity for your planned stay. Entry may be refused if your travel documents are not in order or if you cannot demonstrate the purpose of your visit.
How do I purchase travel insurance for Guernsey?
First, compare travel insurance plans using the HelloSafe travel insurance comparison tool for the best options. Next, carefully check what each policy covers and any exclusions, paying close attention to health coverage and specific risks in Guernsey. You can then purchase your selected plan online in just a few steps. Once complete, you will instantly receive your insurance certificate by email.
What should I look for in Guernsey travel insurance policies?
Look for coverage that includes at least $100,000 in medical expenses and medical evacuation, as private healthcare and evacuation can be costly. Make sure your policy covers COVID-19 related incidents, trip cancellation, and loss or theft of belongings. Confirm that adventure activities or driving a rental car are not excluded if you plan to do them.
Is medical care in Guernsey free for tourists?
No, medical care in Guernsey is not free for U.S. tourists. You will be expected to pay for any medical services or hospitalization at the time of treatment. Some private clinics may require a deposit or proof of coverage. Without travel insurance, costs for medical care or evacuation can exceed $50,000.
When should I buy travel insurance for Guernsey?
You should purchase your travel insurance as soon as you book your flights or accommodation. Buying early ensures you are protected for unexpected events that might require trip cancellation or interruption. Early purchase also avoids issues with pre-existing health conditions being excluded from coverage.
Can I extend my travel insurance if I stay longer in Guernsey?
Most insurers let you extend your travel insurance before your current policy expires, but you cannot extend it once your trip insurance has already ended. It is important to contact your insurer before your coverage runs out, and to confirm that the insurer allows policy extensions for stays in Guernsey. Additional premiums may apply, and some restrictions may be in place.
Do I need a visa to travel to Guernsey?
U.S. citizens do not need a visa for tourist stays in Guernsey for up to 6 months. You must have a valid U.S. passport with sufficient validity for your planned stay. Entry may be refused if your travel documents are not in order or if you cannot demonstrate the purpose of your visit.
How do I purchase travel insurance for Guernsey?
First, compare travel insurance plans using the HelloSafe travel insurance comparison tool for the best options. Next, carefully check what each policy covers and any exclusions, paying close attention to health coverage and specific risks in Guernsey. You can then purchase your selected plan online in just a few steps. Once complete, you will instantly receive your insurance certificate by email.
What should I look for in Guernsey travel insurance policies?
Look for coverage that includes at least $100,000 in medical expenses and medical evacuation, as private healthcare and evacuation can be costly. Make sure your policy covers COVID-19 related incidents, trip cancellation, and loss or theft of belongings. Confirm that adventure activities or driving a rental car are not excluded if you plan to do them.
Is medical care in Guernsey free for tourists?
No, medical care in Guernsey is not free for U.S. tourists. You will be expected to pay for any medical services or hospitalization at the time of treatment. Some private clinics may require a deposit or proof of coverage. Without travel insurance, costs for medical care or evacuation can exceed $50,000.
When should I buy travel insurance for Guernsey?
You should purchase your travel insurance as soon as you book your flights or accommodation. Buying early ensures you are protected for unexpected events that might require trip cancellation or interruption. Early purchase also avoids issues with pre-existing health conditions being excluded from coverage.
Can I extend my travel insurance if I stay longer in Guernsey?
Most insurers let you extend your travel insurance before your current policy expires, but you cannot extend it once your trip insurance has already ended. It is important to contact your insurer before your coverage runs out, and to confirm that the insurer allows policy extensions for stays in Guernsey. Additional premiums may apply, and some restrictions may be in place.
