We derive an effective field theory model for magnetic topological insulators and predict that a magnetic electronic gap persists on the surface for temperatures above the ordering temperature of the bulk. Our analysis also applies to interfaces of h
eterostructures consisting of a ferromagnetic and a topological insulator. In order to make quantitative predictions for MnBi$_2$Te$_4$, and for EuS-Bi$_2$Se$_3$ heterostructures, we combine the effective field theory method with density functional theory and Monte Carlo simulations. For MnBi$_2$Te$_4$ we predict an upwards Neel temperature shift at the surface up to $15 %$, while the EuS-Bi$_2$Se$_3$ interface exhibits a smaller relative shift. The effective theory also predicts induced Dzyaloshinskii-Moriya interactions and a topological magnetoelectric effect, both of which feature a finite temperature and chemical potential dependence.
