Travel insurance myth 4: I don't need travel insurance, I have an EHIC

Watch our animation to find out why the treatment you're entitled to with an EHIC varies and why you should have travel insurance every time you travel abroad.

Please note: Even though the UK has now left the EU, the EHIC will still be valid until the end of the transition period.

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Travel insurance myth 4: I don't need travel insurance, I have an EHIC: The transcript

If you want to find out you need travel insurance as well as an EHIC, but don't want to, or can't watch the video we have reproduced the transcript below

Myth: I don't need travel insurance I have a European Health Insurance Card (EHIC)

An EHIC will not cover all of your medical costs

It is a common myth that if you have a European Health Insurance Card (EHIC) there is no need to buy travel insurance for your trip.

This is not true.

Carrying an EHIC ensures your right to state provided healthcare within the European Economic Area and Switzerland.

An EHIC entitles you to the same healthcare as a local resident, but it's not necessarily free of charge.

With an EHIC the level of healthcare you would receive and it's cost will vary from country to country.

In contrast, buying appropriate travel insurance ensures you are fully covered for emergency medical expenses whilst you are away, as well as repatriation back the UK by air ambulance if necessary.

You will also have the support of an English speaking 24 hour emergency medical assistance team who will help you get the treatment you need quickly.

The Foreign and Commonwealth Office recommend that you buy comprehensive travel insurance every time you travel abroad.