Travelling to the Isle of Man for the 2025 TT races without suitable travel insurance could lead to hefty medical bills, Manx Care has warned.
The island’s healthcare provider said that although most medical treatment for UK residents is covered under a reciprocal health agreement, the arrangement does not cover all scenarios. Crucially, it does not include the cost of repatriation to the UK.
Qualifying for the world-famous motorcycle races begins Monday, with the event set to end on 7 June with the Senior TT. The TT attracts thousands of fans each year to the island’s 37.73-mile (60km) Mountain Course, which requires the closure of public roads for the races.
Oliver Radford, executive director of health services at Manx Care, said it’s vital for all visitors to check their insurance policies carefully.
“The agreement with the UK doesn’t cover everything,” Radford explained. “If you become ill or injured and need care, it can be very costly—especially if you don’t have any insurance at all.”
While urgent treatment will always be provided, only UK visitors are covered for some of that care. Those from outside the UK are entitled to emergency treatment for free, but must pay for any further care, including hospital stays, diagnostic tests, and medications.
Even UK visitors may face costs if their care goes beyond what’s covered. Manx Care is urging all visitors to ensure their insurance includes repatriation, as this is not part of the UK-Isle of Man health agreement.
Importantly, Radford stressed that insurance status will not delay or prevent emergency care. “Immediately necessary or urgent treatment will always be given,” he said.
Visitors from abroad will be asked to provide proof of insurance or cover the cost of non-urgent care themselves. Manx Care also reminded travellers to bring enough prescription and other medication for their entire stay.
“We want all visitors to enjoy the TT safely and without worry,” Radford said.
UK residents staying on the island for more than 24 hours but under three months can temporarily register with a local GP.
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