Please do not ignore this . It can be seen as an unsavoury subject especially when we are talking about holidays and pleasant trips abroad. It is though a necessary evil and you should not consider leaving home without making sure you have some.
It doesn´t need to be overly expensive and through careful shopping around some reasonable discounts can be found. It is common to gert a choice of insurance depending on where you are going. For example if it is only Europe you intend to visit the premium will be less than if you were going outside of Europe as well. If you intend travelling abroad more than once in a year consider getting an annual arrangement. This can substantially reduce what you will pay overall.
This type of insurance is also worth considering if a) you will be hiring a vehicle on your trips and b) you will be travelling several times in a year. What it does is gives you protection against exhorbitant excess claims if you have an accident or there is damage to the hire car. The car hire company will give you an option to purchase their ´no excess´protection but this will work out to be an expensive add on to the overall cost. Buy purchasing Car Hire Excess Insurance you will be protected and if there are any claims you will pay and claim it back through your insurance policy.
The European Health Insurance Card (EHIC) is free and entitles the holder to medical treatment in state-run hospitals in any EU country - plus Iceland, Norway, Liechtenstein and Switzerland - at the same cost as a local. If it's free for them, it's free for you.
Every traveller to Europe - including children - should get one and keep it on them as a crucial emergency measure. If you're not holding it, it's not valid. For detailed information, including a country-by-country guide go to the EHIC website, or call 0845 606 2030 (UK only).
If you already hold one, check the expiry date on the front of the card. They last for up to five years, but, if it's nearing expiry, you can renew it online, or by telephone, up to six months before it expires.