When planning their annual holiday many people think that, they do not need to purchase holiday insurance/travel insurance. But you should always take out adequate holiday insurance cover. Why. Because then you will be fully covered if anything goes wrong.
People who do not bother to take out travel insurance will often say, if I need to see a doctor I can use my EHIC card (european health insurance card) And if the airline lose my suitcases I can claim from the airline at the airport, or if the travel company goes bust, I am covered by ATOL (Air Transport Organisers Licencing scheme)
All of the above are true, but they are not the whole truth.
Your EHIC card will not cover everything, as the level of care varies between each european country,so you might still have to pay for some services. and the card only covers medical treatment that may become necessary on your holiday, because of either illness or accident. and will not include many things that you would expect to get free on the NHS. If you were to be badly injured you would not be covered, to be flown home in an emergency. I am not saying that you should not take your EHIC card,but not everything is covered by your EHIC card. So you still need full holiday insurance too.
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