Compare travel insurance for Europe

And even though you're in Europe, medical costs can still hit the roof if you're not properly insured. Claims for skiing accidents can reach as high as £90,000, and an air ambulance can add further £10,000 to the bill.

So, while it makes sense to get a free EHIC card for travelling in Europe, travel insurance could give you the extra protection you need, and more comprehensive cover should the worst happen.

What could European travel insurance cover?

• Medical coverage – check your policy carefully as the level of cover in standard polices tends to differ between different insurance providers, depending on your circumstances and intended activities. If you're pregnant, have a pre-existing medical condition, or want specific sports cover, it may be worth asking your insurance provider about extra cover or seeking out specialist travel insurance to ensure you're properly covered
• Belongings – check to see if your policy covers loss, theft or damage of your luggage. Ensure the level is high enough to cover the cost of valuables such as your phone or laptop
• Travel issues – cancelled flights, missed flights and delays. Check the conditions carefully as only valid reasons set by the insurance provider are covered
• Personal liability – cover in case you injure someone else and they sue you for damages