Better to be safe, than sorry!

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Better to be safe, than sorry!

When you’re jetting off on holiday, the last thing on your mind is the possibility that something may go wrong. Of course, you’re busy dreaming of beautiful beaches, exciting nights out, excursions, and fun things to see and do, but the reality of the matter is that you’re still living your life, and that can mean that the occasional hiccup can get in the way.

Of course, the easy way around all of this is to try and minimise any damage before it even happens, and thankfully when it comes to travel, you can do this in two ways.

European Health Insurance Card (EHIC)

You might have heard of this before but have no idea what it is! Basically, the EHIC is your little piece of a safety blanket, in case you need medical attention overseas. There are some restrictions, i.e. this has to be within a country which has the reciprocal agreement, but this is very wide-reaching, and as long as your visiting country is within the EU, generally speaking you’re covered. This entitles you to the same standard of medical attention you would get back home, without having to worry about paying for the treatment at the time.

The EHIC is free, you simply head online and apply, and it comes within a week or so. You will need a card for every member of your travelling party, including children. If you already have a card from years ago, check its validity, and if it’s run out, simply head online and do an EHIC card renewal ahead of time. Simple!

Travel insurance

The fact you have an EHIC does not mean you don’t need travel insurance! Never attempt to travel without adequate travel insurance, because this not only covers you for medical problems, but it also covers you for loss of luggage, cancellation, etc, provided you check the small print of your particular policy.

The only thing to remember when looking for an adequate policy for your needs is that you need to declare any pre-existing medical conditions at the time of applying, because if you don’t and you need medical attention, you could find that your policy is null and void, simply for missing out a few minor details! It’s also worth shopping around to see if you can find a lower cost for your policy, as well as a lower excess cost in the event of a claim.

These two safety nets will mean you have peace of mind for your travels, and that frees you up to start the countdown to your break, and plan what you’re going to do whilst you’re away. If you are planning on doing any extreme sports, do check that your travel insurance policy covers you for those, but there are many add-ons you can buy, to cover you for every eventuality that you are planning on enjoying. For instance, ski holidays may need a specific ski add-on – simply check with your particular company.

Happy, healthy, and safe holidays!

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