Travelling abroad without insurance could be costly

Paying for medical care abroad is becoming more expensive, warns Direct Line Travel Insurance, and so cutting back on insurance cover could turn out to be a false economy.

The European Health Insurance Card (EHIC), formally know as the E111, is a must-have when travelling in Europe as it facilitates access to healthcare abroad.  However, it may not cover all that could be required, such as long-term treatment. Even less severe cases, such as having a broken leg may result in medical repatriation becoming necessary as airlines may not be able fully accommodate you with the extra room and expense required.

A spokesperson for Direct Line Travel Insurance said: "Making sure you have the right travel insurance might not seem like a priority when you're planning a honeymoon or other big holiday, but you'll be very glad to have the policy if you end up needing it.  The EHIC only provides a minimal amount of local medical care, while a good travel insurance policy will cover many other costs including medical repatriation, which can easily run into tens of thousands of pounds or more.

"Carrying an EHIC is a sensible way to ensure easy access to the local health service during a temporary stay in another European country, and it also provides additional benefits for healthcare providers and patients alike, such as simpler and faster procedures for obtaining healthcare and quick and easy reimbursement of expenses. However, it is not a travel insurance replacement.  We advise all holidaymakers to protect themselves by making sure they are insured against any losses in case the worst happens."