Am I covered if I get injured or sick while I’m abroad? You should check you have sufficient medical cover before you go cycling. Without a travel policy that covers the cost of emergency medical treatment, you could face a medical bill of thousands of pounds if you have an accident. If you have a valid European Health Insurance Card** (EHIC), and you’re visiting a country in the European Economic Area (EEA) or Switzerland, you could get medical care on the same terms as a local. This means you’d only need to pay for treatment if they do. However the EHIC isn’t a replacement for travel insurance, as our guide explains.
**The rules around the EHIC are likely to change after Brexit. If the UK leaves without a deal, the UK Government has proposed that a similar scheme will be available, but this is subject to EU countries agreeing to that proposal. This was correct as of 02 May 2019.