Do I need travel insurance if I’m travelling around Europe?
If you’re heading off to Europe, you can apply for a free European Health Insurance Card, which will cover emergency medical treatment, just like the NHS. UK residents can use their EHIC during the Brexit negotiations, until the UK is scheduled to leave the EU on 31 January 2020. The UK Government has proposed a scheme similar to the EHIC in the event that the UK leaves the EU without a deal, and consequently the EHIC no longer being usable. However, the implementation of that scheme is subject to EU countries agreeing to that proposal.
However, the Foreign and Commonwealth Office recommends having travel insurance as well as an EHIC card. It is useful, but it won’t cover:
- treatment if you’re taken to a private hospital
- repatriation if you need to be flown home
- mountain rescues
The right gap year insurance policy could also cover these costs.