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Channel Islands Resident Travel Insurance
JS Travel Insurance provides policies for residents of The Channel Islands. If you live on one of the Islands and travel to the United Kingdom, Europe or Worldwide, purchasing a policy before leaving your home is essential. The Channel Islands are British Crown Dependencies; the United Kingdom is responsible for their defence and foreign policy, but otherwise, they…
JS Travel Insurance provides policies for residents of The Channel Islands. If you live on one of the Islands and travel to the United Kingdom, Europe or Worldwide, purchasing a policy before leaving your home is essential.
The Channel Islands are British Crown Dependencies; the United Kingdom is responsible for their defence and foreign policy, but otherwise, they are entirely self-governing.
They are not part of the United Kingdom or a member of the European Union.
To get a quote by telephone or email, contact us at + 44 (0)1273 092 757 support@jsinsurance.co.uk
- Summary of Cover
- Reciprocal Health Agreement
- Travel from The Channel Islands
- Pre-Existing Medical Conditions
- Useful Websites
Summary of Cover (per person)
| Section & Cover | Silver | Gold | Platinum |
|---|---|---|---|
| Emergency Medical and Repatriation* | £5,000,000 | £5,000,000 | £5,000,000 |
| Personal Liability | - | £2,000,000 | £2,000,000 |
| Cancellation or Curtailment* | - | £3,000 | £7,500 |
| Personal Baggage* | £500 | £2,500 | £3,500 |
| Activity Equipment | £1,500 | £1,500 | £1,500 |
| Valuables* | £250 | £250 | £500 |
| Loss of Passport* | - | £300 | £500 |
| Travel Delay | - | £300 | £1,000 |
| Trip Abandonment* | - | £3,000 | £7,500 |
| Missed Departure / Connection | - | £500 | £500 |
| Legal Expenses* | - | £25,000 | £50,000 |
*Excess payables vary depending on the claim benefit.
Please read the Policy Wording for the complete list of Benefits.
Healix Insurance Services Lt,d on behalf of Hamilton Insurance DAC, arranges this Travel Insurance policy for Jade Stanley Ltd. Healix Insurance Ltd is registered in England and Wales under No. 5484190 and authorised and regulated by the Financial Conduct Authority under No. 437248. Hamilton Insurance DAC is registered in Ireland No. 484148, authorised by the Central Bank of Ireland, and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in connection with their UK branch. Jade Stanley Ltd is registered in England and Wales under No. 03570857 and authorised and regulated by the Financial Conduct Authority under No. 306205.
Reciprocal Health Agreement
The Department of Health modified the Reciprocal Health Agreement between the United Kingdom and The Channel Islands in 2009.
Suppose British Tourists fall ill or are injured in The Channel Islands. In that case, they will not be automatically covered for all medical expenses, and vice versa for Channel Islands residents.
This means that a Resident of The Channel Islands does not have the same benefits as health coverage in the United Kingdom, Europe and the Rest of the World as they do on their home island.
While there still exists a somewhat Reciprocal Health Agreement concerning health care between The Channel Islands and the United Kingdom, travellers should be aware of several exceptions.
A Resident of The Channel Islands qualifies for free health care at home and can also get emergency health treatment when visiting the United Kingdom in case an accident happens or they are taken ill.
This agreement requires visitors to stay in the United Kingdom for at least two nights and only covers visitors for stays of a maximum of three months. People who visit shorter or longer are fully responsible for their healthcare costs.
Additionally, and this is quite important, Repatriation costs are not covered, which means that if you need to be transported back to your home in The Channel Islands, you will have to pay the expenses. So, it is essential to have a Travel Insurance policy covering Repatriation.
The agreement also doesn't cover any medical treatments for non-urgent conditions or treatment that can be scheduled later.
Just as Channels Islands Residents are responsible for arranging additional health coverage when travelling abroad, foreign visitors are, too.
It is strongly recommended that The Channel Islanders planning on travelling abroad contact their respective Social Security Department with any health and Travel Insurance questions.
Because of all these exceptions, any Resident of The Channel Islands who wants to visit the United Kingdom (and all other parts of the world, for that matter) is strongly encouraged to purchase additional Travel Insurance.
Residents of The Channel Islands can live and work in the United Kingdom and do not require a passport to travel around the United Kingdom and Ireland.
British passports are issued to residents of the Channels Islands, people born on the islands, and their parents carried on the islands.
Channel Islanders' British passports are not the same as regular British passports. Channel Islanders with no connection to mainland Britain have an Islander Status and possibly an additional endorsement in their passports, limiting their ability to travel freely.
Travel from The Channel Islands
Guernsey Airport and Jersey Airport are the two main airports on the islands, connecting them with Liverpool, Manchester, Southampton, London, Glasgow, Birmingham, the Isle of Man and France.
Ferry connections are abundant and connect the Channel Islands with Northern France, Portsmouth and Poole.
Pre-Existing Medical Conditions
If you have pre-existing medical conditions and are a Resident of the Channel Islands, we can provide you with a policy.
