Do you still need travel insurance if you have a European Health Insurance Card (EHIC)?
With an EHIC (formerly E111) you get the same level of state-provided medical care as someone who lives in the country you’re visiting.
It’s valid in all European Economic Area countries and Switzerland.
The downside is that the local level of care may not be the same as what you’d get in your own country. You will also need to pay for part of your bills, if that’s how the local system works.
EHIC will not cover the costs of repatriation – getting you back home – after a medical emergency on holiday could be very costly.
If you use an EHIC to get medical care, some insurers won’t ask you to pay the excess on your medical claims.
While it’s worth getting an EHIC, it’s not enough on its own. You should still get travel insurance that includes medical and repatriation cover.
The EHIC does not cover:
Extra accommodation costs
These additional costs can often become very expensive, so it’s important to make sure you have travel insurance as well as your EHIC.