How to use the European Health Insurance Card (EHIC/Blue Card)
What additional private insurance may cover and how to claim expenses
- Coverage: Private travel insurance can cover emergency medical treatment abroad, oxygen use including portable oxygen concentrators, hospital care, lost or stolen oxygen equipment, and repatriation if needed. Some policies also cover cancellations or trip interruptions due to health reasons.
- Policy limitations: Many standard travel insurance policies exclude people currently prescribed home oxygen or with unstable conditions related to oxygen use. Specialist insurance policies designed for chronic respiratory patients offer better coverage but can have waiting or stability periods before travel.
Guidance on reimbursement and paperwork
- Claim process: To claim, you must declare your oxygen therapy and related health conditions upfront when buying insurance. Keep all medical documents, prescriptions, proof of oxygen use, and itemized bills from providers. Submit these with the completed claim forms to the insurer for reimbursement review.
- Consult your insurer before travel to clarify coverage details and any restrictions on oxygen equipment or providers. Maintain thorough records of all treatments and purchases related to oxygen use while traveling, as incomplete documentation can delay or prevent claims.
