Even though the UK is still a part of the EU, travel and medical insurance when travelling to the EU are still essential. Unfortunately, the EU does not offer a level playing field with medical insurance and the importance of health cover insurance when travelling is still a priority. There is also the potential impact that Brexit may have on travel in the EU, including travel disruption, possible flight cancellations as well as accommodation issues. There has never been a more important time to ensure that you have a comprehensive travel policy.
Why is travel insurance so important?
Let’s be honest, it is a necessity that people never want to use. Having travel insurance covers a multitude of potential mishaps, some serious and some not so serious, but each of the eventualities that are covered by this in the EU can have consequences from unpleasant to very serious.
Most people think of medical insurance when considering travel insurance but the reality is that an effective travel policy covers a number of key areas:
- Flight cancellation insurance cover
- Insurance for missed flight
- Medical insurance whilst travelling in the EU
- Loss of luggage travel insurance
- Insurance against holiday company going out of business
- Personal loss insurance
- Getting home
- Personal liability
Do I Need Travel Insurance if I Have an EHIC Card?
An EHIC card (European Health Insurance Card) guarantees medical treatment in any EU country. However, the levels of medical care required may not be of the same standard as that of the UK, plus you may need to pay part of the costs upfront. Having full medical insurance will give you and any travel companions full peace of mind. Smaller accidents can be covered easily with medical insurance but more serious accidents or illnesses can be very costly – even in the EU.
Will Brexit Affect My Insurance?
Perhaps the most important consideration here is if the UK leaves the EU without a deal and travel plans are severely disrupted. There will be costs associated with cancelled flights potentially, as well as accommodation. Delay and disruption are key elements of travel insurance policies and care should be taken to ensure that adequate cover is provided.
Choose your policy with care. This is one time when it is important to read the small print to be certain exactly what the travel insurance actually covers and, more importantly, to establish what is not covered. Most policies will not declare what they do not cover so it is a good idea to write a list of minimum requirements and check the policy very carefully before purchasing.