If you're travelling in Europe, whether a frequent traveller for business or you're planning a Summer holiday with your family you'll want to have peace of mind that you'll be looked after if something should go wrong.
ICovering yourself with a European Travel Insurance policy will cover you in the likelihood of lost luggage, delayed flights, holiday cancellation and will cover medical costs if you should fall ill or become injured whilst in Europe.
The European Health Insurance Card (EHIC) will cover you for certain medical treatments abroad but is not meant as a replacement for European Travel Insurance.
The EHIC entitles you to the same level of treatment as a resident of the European country you are travelling to - however do not expect this to cover everything that is covered by the NHS, as some countries may have more limitations on what they offer.
The EHIC does not usually cover such items such as medical repatriation if you were seriously ill or injured whilst abroad, which could cost thousands of pounds so if you want to make sure you are fully protected in all circumstances, you'd be wise to consider European Travel Insurance as well as the EHIC.
Don't forget too that the EHIC only covers medical treatment - without European Travel Insurance you would not be protected against theft or damage of your belongings, nor would you be able to claim against delayed flights or cancellation.