european travel medical card

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UK launches Global Health Insurance Card

New agreement ensures the rights of UK residents to access emergency and medically necessary care when travelling in the EU will continue.

UK’s new Global Health Insurance Card ( GHIC ) launched as part of UK–EU deal

Global Health Insurance Card ( GHIC ) will gradually replace existing European Health Insurance Cards ( EHIC )

UK residents will now be able to apply for a UK Global Health Insurance Card ( GHIC ), the government announced today.

Under Britain’s new agreement with the EU, UK residents’ rights to emergency and medically necessary healthcare will continue when travelling in the EU. This includes medically necessary treatment for a pre-existing or chronic condition.

Current European Health Insurance Cards ( EHIC ) are valid as long as they are in date and people can continue to use these when travelling to the EU.

The public only need to apply for their new GHIC when their current EHIC expires. Both cards will offer equivalent protection for emergency and medically necessary healthcare needs when in the EU on a temporary stay, which includes holiday, study and business travel.

The new GHIC card is free to obtain from the official GHIC website . People should apply at least 2 weeks before they plan to travel to ensure their card arrives on time.

Minister for Health Edward Argar said:

Our deal with the EU ensures the right for our citizens to access necessary healthcare on their holidays and travels to countries in the EU will continue. The GHIC is a key element of the UK’s future relationship with the EU and will provide certainty and security for all UK residents.

Cover for emergency and medically necessary healthcare is part of a wider healthcare agreement struck with the EU that will see continued cooperation on healthcare for UK residents.

If a UK resident is travelling without a card, they are still entitled to necessary healthcare and should contact the NHS Business Services Authority ( NHS BSA ) (which covers the whole of the UK), who can arrange for payment should they require treatment when abroad.

EU member state EHICs will continue to be accepted by the NHS.

Alongside the deal with the EU, the UK is open to agreeing further reciprocal healthcare arrangements that can support UK residents when they travel.

The government always advises that anyone travelling overseas, whether to the EU or elsewhere in the world, should take out comprehensive travel insurance. 

Background information

All UK residents are eligible to apply for a GHIC which will be valid and recognised in the EU.

GHIC is free via the official website . Any sites which include a charging fee are in no way affiliated with the official NHSBSA GHIC service.

The government recognises sensitivities around flags in Northern Ireland. As such, residents in Northern Ireland will be provided with an option to choose an alternative version of the GHIC card, which they will be able to apply for shortly. Keep checking  www.nhs.uk/ GHIC  for updates.

Under existing Common Travel Area arrangements with Ireland, UK residents will continue to be able to access necessary healthcare in Ireland by showing proof of residency documentation (such as a UK driving licence, a biometric residence permit, or a Northern Irish medical card) or EHIC or GHIC as used elsewhere in the EU.

The GHIC covers medically necessary state-provided healthcare at a reduced cost or, in many cases, free of charge, until your planned return home.

A temporary stay is a period during which you are staying in a place other than the one where you usually live and you do not move your ‘centre of interest’ there. For example, this can include holiday, study and business travel.

Necessary healthcare means healthcare that becomes medically necessary during your stay and for which you cannot reasonably wait until you’re back in the UK to get. This includes medically necessary treatment for a pre-existing or chronic condition. Some treatments will need to be pre-arranged with the relevant healthcare provider in the country you’re visiting, for example kidney dialysis or chemotherapy.

Necessary healthcare does not include healthcare that you travel specifically to receive, although individuals who want to seek planned treatment in a member state may be covered under the broader healthcare arrangements with the EU. Read more information on planned treatments .

If a UK resident requires emergency or medically necessary treatment while in the EU, and doesn’t have a GHIC or EHIC , a Provisional Replacement Certificate ( PRC ) can be obtained which will provide the same coverage for healthcare as GHIC or EHIC . The PRC can only be requested at the point of requiring care; it’s not possible to request a PRC in advance of a trip. UK nationals can contact NHSBSA on +44 (0)191 218 1999 should a PRC be required.

UK nationals living in the EU, EEA and Switzerland and EU, EEA and Swiss nationals living in the UK, who are eligible under the Citizens’ Rights Agreement for reciprocal healthcare based on current EU regulations, can continue to apply for an EHIC .

The UK is seeking to conclude new, comprehensive agreements on social security coordination, including reciprocal healthcare, with the EEA EFTA States and with Switzerland.

Until a new agreement is in place, the UK and Norway will apply, on a temporary basis, an amended version of the 1991 Convention on Social Security and Protocol on Medical Treatment between the governments of the UK and Norway. This includes necessary healthcare.

The rest-of-the-world (RoW) countries we currently have reciprocal healthcare agreements with are Australia, New Zealand, some Crown Dependencies and overseas territories (such as Isle of Mann, Jersey, Gibraltar), and some Balkan states (Bosnia, Serbia, Montenegro, Kosovo). Different proofs of eligibility are required under these agreement. Read more travel advice information .

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The European Health Insurance Card

What is the european health insurance card, can i get a european health insurance card, where can i use it, what does it cover, how to apply, how do i renew my card, if you are visiting ireland and need health care.

The European Health Insurance Card (EHIC) allows you to access public healthcare in another EU/EEA state for free or at a reduced rate. You can use it when you are travelling abroad or when you are staying temporarily in another EU State.

Essential points about the card

• Each family member needs their own card.
• It lasts for up to 4 years.
• You will need to apply to renew your card and you can renew online .
• When abroad, always carry your EHIC with you.
• It will not cover you for healthcare outside of the EU, other than Iceland, Norway and Liechtenstein (EEA) and Switzerland.
• It does not cover private healthcare.
• It used to be called the E111 form.

You can apply:

• In person : at any local health office except, Cork South Lee, Dublin North West, Dublin South, Kildare and West Wicklow.
• By post : Print out an application form and post it to your local health office along with any documents required.
• Online: Apply through the HSE website if you have a medical card or drug payment scheme card and you live in Ireland.

You can only apply for a European Health Insurance Card:

• If you live in Ireland
• If you live in another European Union (EU), European Economic Area (EEA) member state, or Switzerland

If you live in Ireland but you are linked to another EU/EEA State's Social Security System, contact the health authorities in that country for more information.

If you live in Northern Ireland but are employed in Ireland, you can get an Irish-issued EHIC.

Frontier workers (or cross-border workers ) can get an Irish-issued EHIC because they make social security contributions in Ireland. They must return home at least once a week to qualify.

Student dependants of frontier workers can get an Irish-issued EHIC. They must be aged 18 to 23 years, studying in the EU/EEA or Switzerland and have a completed School or College Details form (pdf) .

If you live in another EU/EEA member state or Switzerland

If you live in the EU, EEA or Switzerland, you are entitled to an Irish-issued EHIC if any of the following apply.

• You receive a state pension from Ireland and have an Irish-issued E Form/S1 form (certificate of entitlement) registered in your country of residence.
• You work for an Irish employer and are posted to work in another EU/EEA country or Switzerland.
• You are a frontier worker (cross-border worker) living in the EU/EEA and working in Ireland.
• You are a family member of a posted worker of someone working in Ireland, and you are not covered in your own right by the EU/EEA country you live in.

If you are resident in another EU/EEA member state , you will need to complete a different application form online , by email or by post.

If you are not eligible for an Irish-issued EHIC, you should see if you are eligible for an EHIC in the country you are currently living in.

EU and Europe

You can use your European Health Insurance Card in any European Union or European Economic Area (EEA) country and in Switzerland. Currently, the EEA comprises of the 27 member states of the European Union together with Iceland, Norway, and Liechtenstein.

As Andorra and Monaco are not part of the EU or EEA, your EHIC is not accepted there. You should get private health insurance instead.

Find out where you can use your EHIC and how to access healthcare abroad .

If you are an Irish citizen, you have access to healthcare under the Common Travel Area while visiting the UK. However, other EU citizens should continue to use the EHIC, which is still accepted in the UK.

Outside the EU

If you are travelling outside the EU/EEA, you should get private health insurance instead.

Will I have to pay anything for healthcare with my EHIC?

In some EU member states you may have to make some payment towards the cost of the services you receive, just as people in that state do. You will not receive a re-fund for this or for private healthcare.

How can I get a refund from the HSE if I paid for healthcare while abroad?

You may be able to get a refund if you had to pay because you did not have your EHIC card with you or because the healthcare providers charged you by mistake.

Apply for a refund by email. Send your receipts to [email protected] . Or email them to [email protected] if you live in Dublin, Wicklow or Kildare.

The HSE will send an E126 form to the health authorities in the other state to find out:

• If you used a public health service
• How much of a refund is due

When the HSE receive the completed E126 form from the other state, the HSE can see if a refund is due or not. Further information is available on the HSE website .

What if I don't have my EHIC before I travel?

If you don't have your European Health Insurance Card for any reason, you can get a Temporary Replacement Certificate. This Certificate gives you the same entitlement as the Card, but for a shorter period.

You can apply online for this Certificate, in-person or by post to your Local Health Office. You can only receive a Temporary Replacement Certificate for yourself.

Should I get private travel insurance too?

You should consider it. Your EHIC just covers medical costs. Travel insurance can cover you for cancellation and lost or stolen luggage and extras like winter sports cover.

How much does a European Health Insurance Card cost?

There is no fee for the European Health Insurance Card or a Temporary Replacement Certificate. Renewing a European Health Insurance Card is also free.

Before you travel, apply for an EHIC well in advance of your trip.

If you are living in Ireland

• If you are an Irish citizen, an Irish pensioner or an EU citizen living in Ireland you can apply for an EHIC:
• In person at your local health office
• Online - if you have a medical card or drug payment scheme card and you live in Ireland

You will be asked for proof that you live in Ireland. Your card will be posted out to you within approximately 10 working days.

Apply by post

There are two steps :

• Download and complete the European Health Insurance Card application form (pdf) .
• Send the completed form to your Local Health Office. If you can’t download the form, you can get an application from your Local Health Office . You should send your application well in advance of your trip.

You must apply to renew your Card as they are not reissued automatically when they expire. You will need your old EHIC number and your PPS number.

If you have changed your address or your name, you will need to contact your Local Health Office . You should apply well in advance of the date you plan to travel.

Apply to renew your European Health Insurance Card online .

• Select Renew Current Card at the top of the screen.
• Enter the 10-digit ID number on your expired Card. This number is on the front of the card at the bottom left.
• Confirm the address to which the Card will be sent. It should confirm that your application is successful and that a card is being sent out to you.

If you have an EHIC and are visiting Ireland, you can:

• Receive necessary family doctor (GP) services
• Receive emergency dental treatment for the relief of pain and urgent dental repairs

You can call the emergency services on 999 or 112 free of charge.

Go to the HSE website for more information.

Related documents

• Hepatitis C and the Health Amendment Act Card Services that are available to people who contracted Hepatitis C through the use of Human Immunoglobulin-Anti-D or through receiving blood products or blood transfusions in Ireland. 1531.5206
• Returning to Ireland and buying private health insurance Outlines things you should consider when buying private health insurance as a returning Irish emigrant. Covers waiting periods, pre-existing conditions, age-related loading and maternity related claims. 1472.3883
• Private health insurance Introduction to private health insurance and the rules that apply to insurance providers. 1403.3313

If you have a question about this topic you can contact the Citizens Information Phone Service on 0818 07 4000 (Monday to Friday, 9am to 8pm).

You can also contact your local Citizens Information Centre .

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European Health Insurance Card – EHIC

What is the european health insurance card.

Who Is Eligible and Where Can You Use It?

32 countries participate in the European Health Insurance Card program. That’s 28 member states of the European Union, 4 member states of the European Free Trade Association, and Switzerland.

You do not have to be an EU citizen to use the EHIC. If you are a legal resident and covered by European social security you are also covered by the EHIC in most countries. However, even if you successfully receive the EHIC as a legal resident expat, you cannot use it in Denmark, Iceland, Liechtenstein, Norway, and Switzerland.

The EHIC is applicable to all French overseas territories that are part of the European Economic Area (EEA), including Martinique, Guadeloupe, Reunion, and French Guiana. However, non-EEA dependent territories such as Jersey, the Isle of Man, Aruba, the Channel Islands, and French Polynesia are excluded

However, there are exceptions to every rule. There are agreements in place for the use of the EHIC in the Faroe Islands and Greenland, despite not being in the EEA.

Finally, the EHIC boasts coverage for all Europeans, all across Europe, but there is one notable exception. Croatians are not eligible to use the EHIC in Switzerland.

What Does the EHIC Cover?

The European Health Insurance Card provides coverage for necessary and unplanned care. Examples include breaking an arm, developing a chest infection, or needing care after a car accident. It also provides care in the event of an ongoing serious medical condition, like diabetes or asthma.

It’s important to look at what the EHIC does not cover. The EHIC does not cover non-urgent care. The intention of the EHIC is that European residents can continue with their business or personal travels without needing to return home for pressing medical care. As such, a complication from ongoing asthma would be covered. But being irritated by seasonal allergies can wait until your return. As well, a serious ankle sprain would be considered an urgent need but aching knees after a long day of sightseeing would not.

Planned treatments are also not covered. If you routinely get a dental check-up every August, you can’t receive it in the country you’re visiting just because it’s more convenient. You also can’t use the EHIC to ‘shop’ for specialists – ie visiting different countries just to use the services of their renowned specialists.

How Do You Apply for a European Health Insurance Card?

The best thing about the European Health Insurance Card is that it’s FREE! There are legitimately no costs associated with it whatsoever. However, some less than reputable firms have advertised their services as third-party administrative coordinators. For a big fee, they will take care of the application process on your behalf. While such services might be helpful when it comes to getting travel visas, they’re completely unnecessary for the EHIC.

Can I Apply Online for the EHIC?

Yes. An online application is available for the European Health Insurance Card. For both new applications as well as renewals, you can apply online using the official EHIC online application form. This is free of charge. There are no costs for your application although some private companies or agencies will charge a fee if you use their services. The EHIC is free – there are no costs for applying.

Apply Online for EHIC: Apply Online for the EHIC (EHIC.org.uk)

How Much Does the EHIC Cost?

The cards are provided free to legal residents of participating countries who are covered through public healthcare insurance. Each individual country is responsible for the distribution of the EHIC to its own citizens. For some lucky people, the EHIC comes automatically with their national health insurance card. However, for most people, you do have to apply for the EHIC . It’s usually a simple form. You must prove your identity, citizenship, address, and so on. You have to be part of your country’s social security system to be eligible. That means contributing to the economy through taxes or other deductions or being part of a group that has an exemption. Every family member needs to apply individually for their own card.

There are some interesting rules which govern EHIC use for Romanians. Romania is the only participating country where not all permanent residents are covered by health insurance. And those who are insured have to maintain that coverage for five years in order to apply for an EHIC. Rules regarding residency and insurance have typically discriminated against the Roma people of Romania. As such, many in this community have neither state healthcare coverage nor an EHIC.

European Health Insurance Card Renewal

How do you renew your European Health Insurance Card? European Health Insurance Cards are usually valid for five years but it’s up to each country to determine the validity period. You can start the EHIC renewal process up to 6 months before your card expires. Applying to renewal is even easier than your initial coverage application. In many countries, it’s a simple online procedure. You can learn more about the EHIC renewal process here .

Do You Still Need Other Kinds Of Insurance?

The European Health Insurance Card in no way replaces travel insurance . There’s a world of difference between the coverage provided by an EHIC versus a European travel insurance policy . The EHIC does nothing to help with lost luggage, medical evacuations, or protecting travel plans.

As well, the EHIC program only offers care through public medical facilities. You’re treated just like a citizen of the country you’re visiting. You will wait in their public hospitals and clinics just as they would. If you normally reside in a country with exceptional public health facilities standards but you’re traveling to a member country where the public system is more modest, private health insurance will enhance your comfort and privacy.

Related: Schengen Visa Insurance Advice and Travel Insurance Applications

Travel Insurance for US Citizens Abroad

How do you use the card.

If you need to see a doctor, show your European Health Insurance Card to the staff. In some countries, state healthcare is absolutely free – which means it’s free for all EHIC participants as well. Typically, however, you pay upfront and then reclaim the costs after the fact. How much you pay and what is reimbursable depends on each individual country’s healthcare policy.

Remember, the system focuses on being covered for the same things that a local resident would be covered for. If there are costs that aren’t included in the local healthcare system, such as prescription drugs, you won’t be reimbursed for them. If the country you’re visiting has a co-pay for doctor’s visits, you will have to pay for them. That cost is usually not reimbursable either.

Don’t forget to ask for receipts and any other paperwork which will help you complete your future claim. And don’t be surprised if you’re asked to produce photo identification along with the European Health Insurance Card itself. The cards don’t have photos on them and thus your identity might be confirmed by other means.

For long term foreigners living in Europe, here are a few suggested articles on health insurance:

• German Health Insurance for Expats in Germany
• French Medical Insurance for Internationals Living in France
• Italian Health Insurance for Foreigners
• UK Health Insurance Plans for Expatriates and Internationals

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Get healthcare cover for travelling abroad

There is no deadline to apply for a UK Global Health Insurance Card or a UK European Health Insurance Card. If you have an existing European Health Insurance Card, you can continue to use it until it expires.

Use this service to:

• check if you're eligible and apply for cover
• replace a lost, stolen, or damaged card

If you're eligible, you'll receive a card that can be used to get cover for emergency treatment abroad. This will be either a:

• UK Global Health Insurance Card (GHIC)
• UK European Health Insurance Card (new UK EHIC), if you have rights under the Withdrawal Agreement

We'll let you know what you're entitled to during your application.

What these cover

Both cards give you access to state-provided healthcare abroad for things like:

• emergency treatment
• visits to A&E
• routine maternity care, unless you're going abroad to give birth (opens in a new tab)

Both cards provide the same cover but the countries they are valid in can change. Check our website to see where you can use each card (opens in a new tab) .

A UK EHIC or UK GHIC is not a substitute for travel insurance. It may not cover all health costs and never covers repatriation costs. You should make sure that you have travel insurance as well as a UK EHIC or UK GHIC.

Applying for cover

Most people can apply for cover using our online service, but you may need to contact us depending on your circumstances. Find out who can apply for cover (opens in a new tab) .

Your card will remain valid until its expiry date. When your current card expires, you'll need to apply for a new one.

You can apply for a new card up to 9 months before your current card expires.

If you do not have a UK GHIC or UK EHIC and need emergency treatment abroad, you can still get help with paying for your treatment.

A Provisional Replacement Certificate (PRC) will entitle you to the same level of cover as a UK GHIC or UK EHIC, even if you do not have your card with you. This also covers you if you applied for a UK GHIC or UK EHIC and it has not arrived yet.

You can only apply for a PRC from the time you need treatment. A PRC can provide cover for treatment that has already taken place, but one cannot be issued in advance.

Check our website for more information and how to apply for a PRC (opens in a new tab) .

Before you start

You'll need:

• your National Insurance number
• the National Insurance numbers of any other people, including your partner, you're applying for who are 16 years old or over

Depending on your circumstances we may also ask for your NHS number, if you have one.

Important: Timeout warning

Your session will time out after 30 minutes of inactivity.

To process your application, we may share your information (where appropriate) with:

• Indesser, Equifax, and LexisNexis, who are third party data providers acting on our behalf who will make a UK residency check
• NHS Digital to validate EU Settlement Scheme status

For more information about how we use your information, read our privacy notice (opens in a new tab) .

Healthcare abroad

Advice about healthcare if you're planning to visit or move to another country.

Get healthcare cover abroad with a UK GHIC or UK EHIC

Find out if you’re eligible to apply for a new UK EHIC or UK Global Health Insurance Card (GHIC)

Going abroad for treatment

Things to consider if you want or need medical treatment in Europe

Moving abroad

Advice about planning your healthcare if you're going to move or study abroad

Government advice about healthcare abroad

• GOV.UK: Healthcare for UK nationals visiting the EU
• GOV.UK: Healthcare agreements with non-EU countries

Where you can use your card

There are 2 types of cards available for healthcare cover when you’re travelling abroad. You can apply for either: 

• a UK Global Health Insurance Card (GHIC)
• a UK European Health Insurance Card (EHIC)

These both provide the same cover, but the countries they are valid in can change.

If you need temporary cover for emergency treatment abroad and do not have one of these cards, you can apply for a Provisional Replacement Certificate (PRC) . A PRC gives you the same cover as a UK GHIC or UK EHIC would entitle you to, but you cannot apply for this in advance.

The following French Overseas Territories also accept UK GHICs and UK EHICs:

• French Guiana
• Saint-Martin

For more information on what is covered in the country you're visiting, check the guidance on the GOV.UK website . 

A UK EHIC or UK GHIC is not a substitute for travel insurance. It may not cover all health costs and never covers repatriation costs. Make sure you have travel insurance as well as a UK EHIC or UK GHIC.

Which countries are in the EU

The EU countries are:

• Republic of Cyprus
• Czech Republic
• Netherlands

Using your card in Switzerland

You can only use your card in Switzerland if you're a:

• UK national
• Swiss national
• citizen of an EU country
• stateless person
• family member, dependant, or survivor of someone who holds one of these nationalities or statuses

You may be asked for proof of your nationality or your status when using your card in Switzerland.

Information for overseas students

If you’re a student studying in the EU or Switzerland:

• both a UK GHIC and a new UK EHIC will cover you for necessary state-provided healthcare within the EU and Switzerland, including your country of study
• you will not be able to use either card for treatment in Iceland, Liechtenstein, or Norway

If you’re a student studying in Iceland, Liechtenstein, or Norway:

• a new UK EHIC will cover you for necessary state-provided healthcare in your country of study and when visiting EU countries or Switzerland
• a UK GHIC will cover you for necessary state-provided healthcare when visiting the EU or Switzerland - you will not be able to use your card for treatment in your country of study

If you’re a national of a European Economic Area (EEA) country and lived in the UK before 31 December 2020, a UK EHIC will cover necessary state-funded healthcare in all EEA countries.

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European Health Insurance Card (EHIC)

Free or reduced cost healthcare when travelling in Europe

• Apply for an EHIC in Ireland
• Renew or replace an EHIC
• Contact an EHIC office
• Get treatment with an EHIC

Get Your Schengen Insurance

• Hospitalisation expenses up to 30,000€
• Assistance in the event of illness/injury and death
• Coverage in the Schengen area

Extend Your Coverage

• Hospitalisation expenses up to 60,000€
• Assistance in the event of illness/injury and death
• Coverage in the Schengen area + European Union
• Return/relocation and lodging expenses of a companion

Before traveling, please check the guidelines provided by the World Health Organization, the European Union and your local government. Important restrictions are applied to the Schengen Area and visas are likely to be limited to specific travels only. Our travel insurance policies are made to protect you against unforeseeable events, such as sudden illnesses or accidental bodily injuries. We remind you that epidemics and/or infectious diseases such as CoVid 19 are excluded from our policies.

Schengen travel insurance

Europ Assistance makes it easy for you to select and purchase your travel insurance online. Your insurance will be ready in a matter of minutes and our insurance certificates are recognized by embassies, consulates and visa centers around the world , which helps you acquire a Schengen visa for your next trip to Europe. You will immediately receive the certificate and you will be able to download it at any time in any of our six languages : English, French, Spanish, German, Russian or Chinese.

Which countries are in the Schengen area?

The Schengen area is made up of 26 countries (and 3 microstates) where travelers and residents can move freely from state to state without a passport, as there is no longer common border control between Schengen states. Travel insurance is highly suggested for all travelers, and for most countries is mandatory , as it is needed to obtain the visa to enter the Schengen area. You can obtain your visa application form from the country you plan to enter through first or the one you plan to spend the most time in. ​

The leading Schengen travel insurance provider

When you choose Europ Assistance as your Schengen visa travel insurance provider, you also get the support and expertise of 750,000 partners . If something goes wrong, not only will your medical expenses be properly reimbursed, but you will also get help from competent medical professionals at qualified medical centers, no matter where you are. During stressful situations or emergencies abroad, communicating in your native language can be a source of comfort. When such a situation occurs, you can trust that Europ Assistance will be there to help you 24/7 .

If you wish to subscribe for more than 20 people, please contact us

Travel dates

• Country of residence All travellers are from the same country of residence : Yes No

A Schengen visa is not required for your trip, however, you should still consider purchasing travel insurance. You can travel with peace of mind and are covered throughout the European Union with our Schengen Plus cover.

• Hospitalisation expenses up to  60,000€
• Coverage in the Schengen area +  European Union

What Is Schengen Travel Insurance?

Quick answer.

S chengen travel insurance is a specific type of travel insurance policy tailored to meet the travel medical coverage requirements set by the 27 (soon to be 29) European destinations within the Schengen Area. Travelers must present proof of sufficient coverage as part of the Schengen visa application process.

Schengen member countries have abolished their internal borders, allowing more accessible travel within the area. While this is incredibly convenient, some travelers may need a visa to visit Schengen countries. And one of the requirements to obtain that visa is to purchase sufficient travel medical insurance coverage.

Read on to learn more about Schengen visa travel insurance requirements and find the best travel insurance policy for your upcoming trip.

Table of contents

What is schengen travel insurance, schengen countries, visa and travel insurance requirements for the schengen area, key coverages in schengen travel insurance, how to get schengen travel insurance, schengen travel insurance faqs, summary of money’s guide to schengen travel insurance.

Schengen travel insurance is designed for travelers entering the Schengen zone, which comprises 27 (soon to be 29) European nations that have abolished internal borders.

Many visitors, including citizens from non-EU countries like India and China, must obtain a travel visa to enter the Schengen Area. And a requirement for a Schengen Visa is to have insurance covering at least €30,000 (around $32,720) in medical costs.

However, there are exemptions. For example, U.S. citizens and residents of countries such as Canada, Brazil and Mexico don’t need a Schengen visa or travel insurance for stays of up to 90 days within a 180-day period.

The Schengen Area consists of a diverse tapestry of countries. Among the member nations are some of the best places to visit in Europe , including France, Italy, Germany, Spain, Greece and the Netherlands.

Here’s the complete list:

Ireland and Cyprus are the only E.U. member states not currently part of the Schengen Agreement.

Having a valid U.S. passport allows you to spend up to 90 days within a 180-day period in the Schengen Area, whether for tourism or business purposes.

Once officially admitted, you can travel freely within the member countries without passing through customs each time. Stays under 90 days don’t require a visa for U.S. nationals, but your passport should be valid for at least six months past your travel dates.

Short stays don’t require travel medical insurance either, though travel insurance may still be worth it . That could be especially true if you plan to participate in adventure sports or other high-risk activities.

Travel insurance generally also covers cancellations and delays. Purchasing a policy could pay off if you’ve booked expensive, non-refundable flights or accommodations and didn’t purchase them with one of the best travel credit cards that offer insurance.

European Travel Information and Authorisation System (ETIAS)

Travel requirements for European Union countries are projected to change by mid-2025. Visa-exempt travelers to all 27 (soon to be 29) Schengen countries and Cyprus will need an ETIAS authorization.

Here’s what you need to know:

• You must complete an online application and pay a small fee for an ETIAS authorization.
• The authorization is tied to your passport and is valid for three years or until your passport expires.
• With a valid travel authorization, you can enter 30 European countries for short stays of up to 90 days within a 180-day period.
• ETIAS authorization does not guarantee entry into any of these countries. You still have to present your passport and documents at the border.
• The above applies to people from the U.S., Canada and dozens of other countries, so check the E.U.’s official travel website or your country’s embassy for more information. An ETIAS is not a visa and doesn’t mandate travel medical insurance.

Schengen visa requirements

You’ll need a visa if you’re from a visa-exempt country, like the U.S., and planning to stay in the Schengen Area beyond the 90-day threshold. Regardless of the length of the stay, nationals traveling from certain countries always require a visa.

Determine which Schengen country you’ll spend most of your time in and check with their official tourism or embassy website for instructions on applying for a visa. The embassy will inform you about the required documentation and instructions to meet their regulations.

Schengen visa processing time can vary depending on your country of origin and your destination country, so be sure to start the process as early as possible.

Besides the application form, the following are required to obtain a Schengen visa:

• Valid passport: Your passport must be valid for at least three months after departure.
• Passport photo: You must submit a picture of yourself that complies with the International Civil Aviation Organisation (ICAO) standards.
• Travel medical insurance: You must carry at least €30,000 (approximately $32,720) in coverage for medical emergencies, hospitalization and repatriation that’s valid in the entire Schengen Area for the duration of your stay.
• Documentation: You must provide evidence of the purpose of your visit through supporting documentation, demonstrate you have the financial means to cover expenses and accommodations and show intent to return to your home country after the stay.
• Fingerprints: Most, but not all, applicants will be required to submit their fingerprints along with their application.

Consulates of particular countries may require additional documentation.

Understanding what travel insurance covers can help you plan a worry-free journey. While plans and coverage options vary by company, here’s a breakdown of what Schengen travel insurance generally covers.

• Medical expenses: Travel medical insurance covers the cost of treating unexpected illnesses or injuries you suffer during your trip, up to your policy limits. These include the cost of medications, hospitalization and other essential medical treatments.
• Medical repatriation: Some travel medical policies also include emergency medical evacuation or repatriation, which covers some of the costs of transporting you back home or to a different medical facility to receive necessary medical treatment.
• Repatriation of remains: As the name suggests, this coverage will pay (up to your policy limits) for expenses related to transporting your body or cremated remains to your home country or point of origin.
• 24/7 Travel Assistance: Travel insurance companies generally offer round-the-clock assistance services, including language support, help recovering lost passports or prescriptions and even booking accommodations and medical transportation.

Note that some companies may require you to meet a deductible for the travel medical plan to start paying out.

Other travel-related coverage options

Most travel insurers sell policies covering medical emergencies and travel-related inconveniences such as delays, cancellations, lost luggage, and more. While you don’t need these coverage options to obtain a Schengen visa, you may still find them worthwhile.

• Trip cancellation and trip interruption: Covers non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events like illness or accidents.
• Baggage loss or delay: Helps cover the cost of replacing essential items if your baggage is lost or delayed by a specified number of hours.
• Delayed flights and missed connections: Provides compensation for additional expenses caused by inconveniences such as delays or missed connections.

It’s easy to buy travel insurance for your Schengen Area trip. Many providers offer policies that fulfill the visa requirement and include additional coverage that can be tailored to your needs.

Here are some steps to help you get the right coverage.

1. Research reputable travel insurance providers

Most travel insurers bundle travel medical insurance coverage with trip cancellation, interruption, and other coverage options. If you only want to satisfy Schengen visa requirements, look for a provider that explicitly markets Schengen travel insurance or offers stand-alone travel medical coverage.

2. Select a plan that meets your needs and get a quote

Remember that you may not need trip insurance beyond the €30,000 in travel medical coverage required for a Schengen visa, so read plan details carefully to avoid buying unnecessary coverage.

It also pays to shop around and get quotes from several insurers, as travel insurance costs between 3% and 14% of the total cost of your trip, depending on the company and policy you choose.

3. Read your policy details

When shopping for travel insurance online, you’ll typically find that most companies include a policy summary or schedule. This document outlines critical details such as the policy’s coverage limits and exclusions. Carefully reading it can help you avoid surprises and frustration if you ever need to file a claim.

If you still have questions after reading the policy summary, contact the insurer before finalizing your purchase.

4. Get to know the claims process

Similarly, reading about your insurance provider’s claims process can save you time and energy in an emergency. Your policy summary should include a list of documents you’ll be required to provide as part of the claims process, which may include receipts and medical bills.

After a covered incident, contact your insurer through the company’s website or mobile app as soon as possible. Most insurers also offer travel assistance services around the clock.

5. Purchase and safeguard your policy

You will need proof of your travel medical insurance plan to apply for a Schengen visa. Keep your insurance certificate in a secure yet accessible location, whether a digital version on your smartphone or a physical printout in your travel folder.

It may also be a good idea to share a copy of your policy with a trusted friend or family member back home so they can contact your insurance provider if you cannot request medical assistance due to an emergency.

Should I get travel insurance for Europe?

Travel insurance, especially within the Schengen Area, is not just recommended but often mandatory. To obtain a visa to visit the Schengen zone, you must show proof of having sufficient travel medical insurance.

How much travel insurance do I need for Europe?

What countries does europe travel insurance cover.

• The first step before you travel to any Schengen country is to determine whether you need a visa and, therefore, mandatory travel medical insurance for a Schengen visa.
• Check with your country’s embassy, Department of Foreign Affairs or the tourism website of the country you plan to visit for specifics about medical travel insurance for Schengen visa requirements.
• You don’t need a visa or international travel insurance if you have a valid U.S. passport and are visiting the Schengen zone for less than 90 days in a 180-day period.
• If you’re a U.S. national planning to visit the Schengen Area for more than 90 days, you must apply for a visa and secure adequate travel health insurance (at least €30,000 in travel medical and repatriation coverage).

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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Healthcare in Moscow – Personal and Family Medicine

Emergency : 112 or 103

Obstetric & gynecologic : +7 495 620-41-70

About medical services in Moscow

Moscow polyclinic

Emergency medical care is provided free to all foreign nationals in case of life-threatening conditions that require immediate medical treatment. You will be given first aid and emergency surgery when necessary in all public health care facilities. Any further treatment will be free only to people with a Compulsory Medical Insurance, or you will need to pay for medical services. Public health care is provided in federal and local care facilities. These include 1. Urban polyclinics with specialists in different areas that offer general medical care. 2. Ambulatory and hospitals that provide a full range of services, including emergency care. 3. Emergency stations opened 24 hours a day, can be visited in a case of a non-life-threatening injury. It is often hard to find English-speaking staff in state facilities, except the largest city hospitals, so you will need a Russian-speaking interpreter to accompany your visit to a free doctor or hospital. If medical assistance is required, the insurance company should be contacted before visiting a medical facility for treatment, except emergency cases. Make sure that you have enough money to pay any necessary fees that may be charged.

Insurance in Russia

Travelers need to arrange private travel insurance before the journey. You would need the insurance when applying for the Russian visa. If you arrange the insurance outside Russia, it is important to make sure the insurer is licensed in Russia. Only licensed companies may be accepted under Russian law. Holders of a temporary residence permit or permanent residence permit (valid for three and five years respectively) should apply for «Compulsory Medical Policy». It covers state healthcare only. An employer usually deals with this. The issued health card is shown whenever medical attention is required. Compulsory Medical Policyholders can get basic health care, such as emergencies, consultations with doctors, necessary scans and tests free. For more complex healthcare every person (both Russian and foreign nationals) must pay extra, or take out additional medical insurance. Clearly, you will have to be prepared to wait in a queue to see a specialist in a public health care facility (Compulsory Medical Policyholders can set an appointment using EMIAS site or ATM). In case you are a UK citizen, free, limited medical treatment in state hospitals will be provided as a part of a reciprocal agreement between Russia and UK.

Some of the major Russian insurance companies are:

Ingosstrakh , Allianz , Reso , Sogaz , AlfaStrakhovanie . We recommend to avoid  Rosgosstrakh company due to high volume of denials.

Moscow pharmacies

A.v.e pharmacy in Moscow

Pharmacies can be found in many places around the city, many of them work 24 hours a day. Pharmaceutical kiosks operate in almost every big supermarket. However, only few have English-speaking staff, so it is advised that you know the generic (chemical) name of the medicines you think you are going to need. Many medications can be purchased here over the counter that would only be available by prescription in your home country.

Dental care in Moscow

Dentamix clinic in Moscow

Dental care is usually paid separately by both Russian and expatriate patients, and fees are often quite high. Dentists are well trained and educated. In most places, dental care is available 24 hours a day.

Moscow clinics

«OAO Medicina» clinic

It is standard practice for expats to visit private clinics and hospitals for check-ups, routine health care, and dental care, and only use public services in case of an emergency. Insurance companies can usually provide details of clinics and hospitals in the area speak English (or the language required) and would be the best to use. Investigate whether there are any emergency services or numbers, or any requirements to register with them. Providing copies of medical records is also advised.

Moscow hosts some Western medical clinics that can look after all of your family’s health needs. While most Russian state hospitals are not up to Western standards, Russian doctors are very good.

Some of the main Moscow private medical clinics are:

American Medical Center, European Medical Center , Intermed Center American Clinic ,  Medsi , Atlas Medical Center , OAO Medicina .

Several Russian hospitals in Moscow have special arrangements with GlavUPDK (foreign diplomatic corps administration in Moscow) and accept foreigners for checkups and treatments at more moderate prices that the Western medical clinics.

Medical emergency in Moscow

Moscow ambulance vehicle

In a case of a medical emergency, dial 112 and ask for the ambulance service (skoraya pomoshch). Staff on these lines most certainly will speak English, still it is always better to ask a Russian speaker to explain the problem and the exact location.

Ambulances come with a doctor and, depending on the case, immediate first aid treatment may be provided. If necessary, the patient is taken to the nearest emergency room or hospital, or to a private hospital if the holder’s insurance policy requires it.

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Top Travel Insurances For Russia You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

The world's largest country, Russia is known for its history and cultural heritage, with landmarks such as the Red Square, St. Petersburg, and the Hermitage Museum. Although travelling to Russia can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Russia and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Russia Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Russia:

Best Travel Insurances for Russia

• 01. Do I need travel insurance for Russia? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Russia scroll down

Heading to Russia soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Is Travel Insurance Mandatory in Russia?

No, there's currently no legal requirement to take out travel insurance for travel to or through Russia.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Russia or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Russia:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Russia, no matter whether you're planning to ice skate in Gorky Park in the winter or sunbathe in Sochi in the summer.

VisitorsCoverage lets you choose between various plans tailored to meet the specific needs of your trip to Russia, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Russia:

• Policy Names: Varies
• Medical Coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip Coverage: Excellent - but only available for US residents.
• Customer Support: FAQ, live chat and phone support
• Pricing Range: USD 25 to USD 150 /traveller /month
• Insurance Underwriter: Lloyd's, Petersen, and others
• Best For: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option for Russia, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy Names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical Coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip Coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer Support: FAQ, live chat, phone support
• Pricing Range: USD 80 to USD 420 /traveller /month
• Insurance Underwriter: David Shield Insurance Company Ltd.
• Best For: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads in Russia because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy Names: Nomad Insurance, Remote Health
• Medical Coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip Coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing Range: USD 45 to USD 160 /traveller /month
• Insurance Underwriter: Tokyo Marine HCC
• Best For: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Russia? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Russia

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Russia. However, we strongly encourage you to do so anyway, because the cost of healthcare in Russia can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Ukraine war latest updates: Ukrainian drone and rocket attack repelled, Russia says - as civilians flee after Kharkiv assault

Russia has said a Ukrainian attack overnight involving drones and rockets has been repelled. It follows a surprise offensive by Russia on Kharkiv on Friday morning, which killed at least two civilians and injured five others.

Saturday 11 May 2024 09:04, UK

• Civilians being evacuated in Vovchansk, in Kharkiv region, due to surprise attack by Putin's military 
• Ukraine says its forces are fighting to repel the attack
• Analysis:  Why has Russia opened up second front in war?
• Sky's Deborah Haynes witnesses terror in attacked town as evacuations under way
• Ukraine's president says forces were 'prepared' for assault
• Ed Conway :  Russian oil still seeping into UK - the reasons why sanctions are not working
• Live reporting by Jake Levison .

Moving away from the Russian offensive in Kharkiv for a moment.

Russia's defence ministry says it has repelled a string of Ukrainian attacks on its territory, using drones and rocket artillery.

In a statement posted on Telegram, the ministry said its forces had downed 21 rockets and 16 drones across Russia's Belgorod, Kursk and Volgograd regions.

Ukraine is yet to comment on the reported attack.

People living in Vovchansk say despite the conflict continuing for over two years they've never seen anything like the barrage from drones, missiles, and artillery fire.

Its population of 3,000 have been evacuating the town, and its mayor Tamaz Gambarashvili reiterated they "haven't seen such a level of shelling".

Speaking directly to the Russian military, he said: "Enough killing people, enough destruction… You need to stop this war."

Here are some images showing residents on their way out of town yesterday.

It was at around 5am yesterday that Russian forces sprung a surprise attack near Vovchansk - barely 10km from the neighbouring Belgorod Oblast. 

The defence ministry in Kyiv said Russia's attack used "guided aerial bombs and artillery".

It's been described as one of Russia's fiercest attacks since the war broke out more than two years ago, with two killed and at least five wounded in the onslaught.

Fighting has been taking place in parts of the northeastern region, and Ukrainian officials have claimed Russian troops have advanced by 1km. 

Hello and welcome back to our coverage of the war in Ukraine.

Yesterday morning Russia launched a surprise offensive in northeastern Ukraine, killing at least two civilians and injuring five others.

Ukrainian officials have been helping civilians evacuate the border town of Vovchansk due to the heavy shelling.

In last night's address, Volodymyr Zelenskyy said his top commander Oleksandr Syrskyi had reported to him that "heavy fighting" was taking place all along the more than 1,000-km (600-mile) frontline.

Before we press on with updates from today, here's a look at other major events from the past day:

The Ukrainian military launched a strike and triggered a fire near an oil storage depot in the occupied Luhansk region yesterday morning, with Russian officials saying three people were killed and seven others injured;

Ukraine officials say the country expects to receive the first US-made F-16 fighter jets this summer to help it counter Russian air threats;

Volodymyr Zelenskyy thanked Joe Biden after a $400m military aid package was announced by the US. 

We're pausing our coverage of the Ukraine war for today. 

We'll be back with any major updates overnight, and we'll resume our regular live updates tomorrow morning. 

Thanks for following along. 

In our previous post, we told you about a reported Ukrainian strike on the occupied region of Luhansk. 

Now, Russian news agencies have quoted officials as saying three people have been killed and seven others have been injured. 

According to Russian state media, the attack triggered a large fire at an oil storage depot in the region.

"The enemy opened fire on the peaceful city of Rovenky," Russia installed regional Governor Leonid Pasechnik wrote on Telegram. 

"Because of the shelling, the oil depot was engulfed by flames and nearby houses were damaged."

Ukrainian bloggers and Telegram channels reported the strike, saying the oil depot was directly hit. 

It was the second such attack in three days.

On Wednesday, an attack on an oil depot in the regional centre of Luhansk injured five people.

Mr Pasechnik reported at least one of the dead was an employee at the depot. 

The Ukrainian military has launched a strike and triggered a fire near an oil storage depot in the occupied Luhansk region, Russian state news agency TASS has reported. 

Ukrainian bloggers and Telegram channels said the depot in the town of Rovenky was hit. 

Several photos have emerged online appearing to show a large blaze, but these have not been verified by Sky News. 

In Vovchansk, Ukrainian officials have been helping civilians evacuate due to the heavy shelling.

The border town in the Kharkiv region came under intense attacks. 

In his evening address, Volodymyr Zelenskyy said his top commander Oleksandr Syrskyi had reported to him that "heavy fighting" was taking place all along the more than 1,000-km (600-mile) front line.

Ukraine chased Russian troops out of most of the Kharkiv region in 2022, following Russia's full-scale invasion in February of that year.

But after weathering a Ukrainian counteroffensive last year, Russian forces are back on the offensive and slowly advancing in the Donetsk region that lies further south. 

Volodymyr Zelenskyy has issued an updated statement on the situation in Kharkiv. 

In a post on  Telegram , the Ukrainian president said Russian troops have tried to expand their operations. 

But he added that Ukraine understands the "scope of the occupier's forces". 

"We see his plan," he said. "Our soldiers, our artillery, our drones respond to the occupier." 

He also said Ukrainian forces were adding their "strength" along the state border and the entire frontline near Kharkiv. 

"We will invariably destroy the occupier in such a way as to thwart any Russian offensive intentions," the 46-year-old leader wrote. 

"Everything depends on the stability of our soldiers, and everyone who holds a position now protects the position of all of Ukraine.

"It is important that partners support our soldiers and Ukrainian stability with timely supplies. Really timely. The package that really helps is the weapons brought to Ukraine, not just the announcement of the package." 

Volodymyr Zelenskyy has thanked Joe Biden after a $400m military aid package was announced by the US. 

The Ukrainian president said the assistance will "help save civilian lives" and strengthen troops on the frontline. 

"The United States maintains its leadership role in supporting Ukraine and this has historic significance," he added. 

This is the third tranche of aid for Ukraine since Congress passed supplemental funding in late April after months of gridlock.

The package includes: 

• High Mobility Artillery Rocket Systems and rockets for them
• Munitions for Patriot and National Advanced Surface-to-Air Missile Systems
• Anti-aircraft and anti-tank munitions
• An array of armoured vehicles, such as Bradley and Mine Resistant Ambush Protected vehicles
• Coastal and riverine patrol boats
• Demolition munitions
• High-speed anti-radiation missiles
• Protective gear, spare parts and other weapons and equipment

The weapons are being sent through presidential drawdown authority, which pulls systems and munitions from existing US stockpiles so they can go quickly to the war front. 

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