Travel Insurance Tip No. 8 – If you’re travelling to Europe, get an EHIC

By , January 19, 2012 1:00 pm
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Tip number 8 in our top 10 travel insurance tips is: If you are travelling to Europe, get an EHIC, it could save you money!

The European Health Insurance Card or EHIC entitles you to low cost (and sometimes free) state provided healthcare in the European Economic Area countries and Switzerland.  You should remember that the level of state provided health card in other European countries is not necessarily comparative to the service provided by the NHS.

An EHIC shouldn’t be used instead of a comprehensive travel insurance policy, because it won’t cover all medical costs abroad and it doesn’t cover repatriation back to the UK, which could result in you being stuck on a foreign hospital for a long period of time if you do fall ill whilst you are away.

Despite the fact that an EHIC doesn’t take away the need to buy travel insurance every time you travel, there are still some good reasons for getting one if you are travelling to a country within the European Economic Area or Switzerland.

One good reason to get an EHIC is that it could save you money!

Many travel insurance providers will forego the excess payment on a medical travel insurance claim if you have used your EHIC card when you received treatment. This could save you money – depending on the terms of your travel insurance policy it could save you up to a few hundred pounds.

Remember, having an EHIC could save you money in the event that you need to make a claim on your travel insurance, but it doesn’t replace travel insurance.

There are many more things that travel insurance covers, which an EHIC won’t – not least a 24 hour English speaking emergency helpline to provide much needed support if you do find yourself needing medical treatment abroad. Travel insurance also provides cover for cancellation, your personal possessions and travel delay.

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