To compare travel insurance you first need to decide if your policy needs to cover you for the UK, or for Europe, or the USA, Canada and Caribbean. You’ll need extra cover if you’re going to the USA, Canada or Caribbean, and if you’re going further than that we’ll ask you to name the countries as part of our quote journey.
Some people think that they don’t need travel insurance if they have a European Health Insurance Card (EHIC). If you’re travelling and need medical treatment, in many European countries the EHIC means you can get treatment just like people who live in that country. However, it will be on the basis you get taken to a public not private hospital. In the event of an emergency you will be taken to the nearest hospital.
But the EHIC isn’t a substitute for travel cover – it wouldn’t get you home or pay for other costs linked to your emergency. And outside the EU of course there’s no EHIC, so it can be more expensive again to get medical support. They are also date-specific, so check the expiry on your card before you travel. Be aware too, that not all European countries recognise the EHIC. Also some policies will waive the excess you may have if you have an EHIC card.
By the way, your travel insurance won’t cover you if you are travelling to a country that the Foreign & Commonwealth Office (FCO) doesn’t consider to be safe. If you’re not sure, check the FCO website.