Medical travel insurance Europe
It is important to make sure that you have comprehensive medical travel insurance, that includes your existing medical conditions, when you go on holiday in Europe.
Even if you have a European Health Insurance Card (EHIC), you’re not fully covered and should still take out medical travel insurance for Spain or Cyprus or whatever country you’re visiting. This is based on official guidance from the FCO.
The key benefits you can get
- Medical expenses covered up to £15,000,000.
- Cancellation and Curtailment covered up to £5,000.
- Personal Belongings covered up to £3,000.
- Any age. Any medical condition. Any destination.
Why do you need comprehensive travel insurance as well as an EHIC?
An EHIC does not mean you are insured. Basically, there are restrictions on the treatment available with an EHIC:
- Few EU countries pay the full cost of medical treatment, even under the European Union’s healthcare arrangements. You still need sufficient travel insurance to cover healthcare costs.
- In some countries, like Greece, the health service only covers medical treatment, and will not extend to feeding and personal care. But if you have travel insurance, this part of your healthcare will be covered by your travel insurance.
- If you need an air ambulance home or you can’t travel home on your booked ticket, you could still face a bill of thousands. Just a simple broken ankle, for example, can often mean a medical escort home (usually required by the airline in case of complications in flight) and a first class seat for extra leg room.
- You may not be covered if you need extra accommodation to stay with a sick relative.
- Healthcare costs are rising in Europe so ensuring you have adequate medical travel insurance for Europe travel is more important than ever. AllClear provides medical travel insurance for Europe, so you can travel with complete peace of mind.