European Health Insurance Card
If you’re a member of the European Union, the European Economic Area or from Switzerland, we advise that you get a European Health Insurance Card (EHIC). This card replaces the E111 form and may entitle you to free emergency treatment in a public hospital.
The EHIC is not a substitute for proper travel insurance provided by a reputable insurer. It doesn’t cover medical repatriation, ongoing medical treatment or treatment of a non-urgent nature. Also, some private hospitals may not accept the EHIC so you should check with the hospital administrator beforehand.
Getting your backpacker insurance, do you really need it? Well yes, you do and though it’s tempting to skip this bit, it won’t seem so dull if you need rescuing off an island of west Mayo, or loose your cash.
Your policy should cover:
– All medical care abroad, including evacuation by air ambulance, or other emergency procedures, and any other costs associated with an unexpected longer stay
– Your entire trip, from departure to return. Consider an annual multi-trip policy if you’re making more than one trip in the year
– 24-hour emergency service and assistance
– Personal liability cover (in case you’re sued for causing injury or damaging property)
– Lost and stolen possessions
– Cancellation and curtailment
– Activities that are often excluded from standard policies (eg water sport activities such as jet skiing or other extreme sports)