It is not difficult to get hold of travel insurance. Policies are sold in most Post Offices, banks, construction societies and travel agents. There are also many comparison website that you can check if you want to purchase online. If you are planning on going skiing or taking part in high risk activities like diving or climbing then you are likely to have to pay a higher premium. Check the small print to make sure you would be covered before buying your policy.
For citizens who live within the Eea (European Economic Area) - you are entitled to a degree of free curative care if travelling within the Eea area (also Switzerland), if you have a valid Ehic (European health insurance Card). The European health insurance Card (Ehic) should not be used as a substitute for purchasing a travel insurance policy. This narrative will elaborate what is covered by the Ehic, and how to apply for or to renew your card.
Health Check
If you or any of your dependants are suddenly taken ill or have an accident while visiting any Eu country (plus Iceland, Liechtenstein, Switzerland and Norway), free or reduced cost accident rehabilitation is available (in most cases) on output of a valid Ehic.
The Ehic substituted the E111 Card or form in 2006, so if you have an E111 stashed away in a drawer somewhere, it is invalid, so you need to throw it away and order your free Ehic (the application process is easy).
Remember that only state-provided accident rehabilitation is covered. The Ehic does not cover you for all curative costs or for repatriation, and so it is not an alternative to travel insurance (it most right on does not cover costs involved in cancellation or curtailment of your trip. It would also not cover things like lost luggage, money etc). Even though you are just travelling within Europe it is advisable to take out some travel insurance to cover all eventualities and peace of mind.
Few countries pay the full cost of curative rehabilitation even under reciprocal health assistance arrangements. It is therefore advisable to take out travel insurance and not to just rely on the European health insurance Card or Ehic.
Make sure you apply for your Ehic before travelling in Europe. To apply for a Card you are required to perfect a form in the booklet 'Health advice for Travellers' from Post Offices. If you have passage to the Internet then the easiest way is to apply online at http://www.dh.gov.uk/travellers.
If you already have an Ehic, remember to check it is still valid before you travel. It is free to apply for or renew, but they are only valid for five years and can literally be overlooked.
If you are renewing your Ehic, you can do so six months before the expiry of your current card.
Eligible travellers from the Uk are entitled to receive free or reduced-cost curative care in many European countries on output of an Ehic.
You are required to have a Ehic for each member of the house and all cards are valid for five years.
Your Ehic will not supply cover if you travel abroad with the intention of obtaining curative rehabilitation - perhaps to jump the Nhs queue in the Uk. European rules are continually changing, so it is best to check the division of health website or call them +44 (0)20 7210 4850 (Mon-Fri 9-5; Uk time)
What Is the European health guarnatee Card?
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