Prepare to get burnt if you don't pack the right cover

There's no protection with an E111. You need an EHIC and a travel policy for your holiday

The summer holidays are here and foreign shores beckon. But while you're busy picking out bargain flights along with the beachwear and sun-block, make sure you put the same energy into your holiday cover.

If you simply reach for your old E111 form and the "free" travel insurance on your current account at the bank, you could come a cropper: one no longer exists and the other is often less than comprehensive.

More than two-thirds of Britons have no idea that the E111 is no longer valid and was replaced, on 1 January this year, by the European Health Insurance Card (EHIC).

Phased in by the Department of Health from August 2005, the card is now available to all British travellers and provides free or reduced-cost emergency medical treatment in all European Union countries, plus Iceland, Liechtenstein, Norway and Switzerland.

It is valid for three to five years and covers any treatment you may need during a trip, such as the cost of medicines or hospital attention for a sprained wrist. The more serious and complicated your injury, the more likely it is that you will have to make some financial contribution yourself.

And unlike the E111, which covered the whole family, every family member must now hold their own EHIC card.

Some travel insurers won't pay out on a claim if you don't hold one, warns Richard Mason at price-comparison service "Even basic medical treatment in mainland Europe does not come cheap, so this replacement card could save you a lot of unexpected financial pain."

The EHIC provides access to state-provided medical assistance only, and people will be treated on the same basis as an "insured" person living in the country they are visiting.

That said, with the EHIC, you may not be covered for all the things you would expect to get free of charge from the NHS in the UK, such as painkilling drugs, and you may have to make a contribution to the cost of a period in hospital.

You can obtain the card by visiting, phoning 0845 606 2030 or by posting a form available from post offices.

There is a common misconception that if you hold an EHIC card, this eliminates the need to take out any extra cover. To dispel this, the Department of Health is now urging holidaymakers to take out travel insurance for visits to all countries - regardless of whether they are covered by the EHIC.

"As well as offering much more comprehensive cover for medical treatment [such as the cost of flying you home if you suffer a serious injury], travel insurance protects you financially for lost or stolen possessions, holiday cancellation, personal liability and a range of other costly eventualities," says Mr Mason.

At the same time, travel insurance won't pay out on routine treatments and so does not negate the need for an EHIC; the two should be carried in tandem.

The golden rule with this type of insurance still holds: don't buy it from a travel agent as part of a package. Cover sold this way is often expensive and, warns new research from the consumer body Which?, may be sold without the right questions being asked. For example, customers with pre-existing medical conditions, or ones who will be doing dangerous sports, may find their claims are turned down because of policy exclusions that weren't highlighted at the outset.

Since banks and insurers are regulated by the Financial Services Authority, the City watchdog, people sold an unsuitable travel policy by these companies can go to the Financial Ombudsman Service for redress. At present, this is not the case with travel agents.

Always check that your travel policy is right for your trip, and shop around on price. "Some insurers will even waive your excess if you tell them you hold an EHIC," Mr Mason adds.

Whatever you do, don't join the ranks of the 2.5 million Britons who, reports online insurer, travelled without insurance last year - the medical bills could be daunting.

Many people ignore travel policies because they think they have adequate cover elsewhere - on their home insurance, current account or credit card.

But Robin Reames of Swiftcover warns that household policies do not always cover medical expenses while abroad; won't pay out for a cancelled trip; and don't always cover loss or theft of personal possessions.

"Even with an 'all risks' level of cover on a household policy - where it is possible to claim for items that are lost, stolen or damaged abroad - this often affects the no-claims discount."

The cover provided by banks, he adds, can be limited, covering medical expenses only. And while some credit cards now offer "free" travel insurance, customers usually have to pay a card fee elsewhere for these additional services.

Start your day with The Independent, sign up for daily news emails
Have you tried new the Independent Digital Edition apps?
One father who couldn't get One Direction tickets for his daughters phoned in a fake bomb threat and served eight months in a federal prison
people... (and one very unlucky giraffe)
Arts and Entertainment
Sink the Pink's 2013 New Year's Eve party
musicFour of Britain's top DJs give their verdict on how to party into 2015
Arts and Entertainment
(L-R) Amanda Peet as Tina Morris, Melanie Lynskey as Michelle Pierson, Abby Ryder Fortson as Sophie Pierson, Mark Duplass as Brett Pierson and Steve Zissis as Alex Pappas in Togetherness
TV First US networks like HBO shook up drama - now it's comedy's turn
Pool with a view: the mMarina Bay Sands in Singapore
travel From Haiti and Alaska to Namibia and Iceland
The will of Helen Beatrix Heelis, better known as Beatrix Potter, was among those to be archived
Arts and Entertainment
The Plaza Theatre in Atlanta, Georgia was one of the 300 US cinemas screening
filmTim Walker settles down to watch the controversial gross-out satire
Nigel Farage: 'I don't know anybody in politics as poor as we are'
Finacial products from our partners
Property search
Latest stories from i100
Have you tried new the Independent Digital Edition apps?
Independent Dating

By clicking 'Search' you
are agreeing to our
Terms of Use.

ES Rentals

    iJobs Job Widget
    iJobs Money & Business

    Selby Jennings: VP/SVP Credit Quant- NY- Investment Bank

    Not specified: Selby Jennings: VP/SVP Credit Quant Top tier investment bank i...

    Selby Jennings: Quantitative Research | Equity | New York

    Not specified: Selby Jennings: Quantitative Research | Global Equity | New Yor...

    Selby Jennings: SVP Model Validation

    Not specified: Selby Jennings: SVP Model Validation This top tiered investment...

    Selby Jennings: Oil Operations

    Highly Competitive: Selby Jennings: Our client, a leading European Oil trading...

    Day In a Page

    Aren’t you glad you didn’t say that? The worst wince-and-look-away quotes of the year

    Aren’t you glad you didn’t say that?

    The worst wince-and-look-away quotes of the year
    Hollande's vanity project is on a high-speed track to the middle of nowhere

    Vanity project on a high-speed track to nowhere

    France’s TGV network has become mired in controversy
    Sports Quiz of the Year

    Sports Quiz of the Year

    So, how closely were you paying attention during 2014?
    Alexander Armstrong on insulting Mary Berry, his love of 'Bargain Hunt', and life as a llama farmer

    Alexander Armstrong on insulting Mary Berry and his love of 'Bargain Hunt'

    From Armstrong and Miller to Pointless
    Sanchez helps Gunners hold on after Giroud's moment of madness

    Sanchez helps Gunners hold on

    Olivier Giroud's moment of madness nearly costs them
    A Christmas without hope: Fears grow in Gaza that the conflict with Israel will soon reignite

    Christmas without hope

    Gaza fears grow that conflict with Israel will soon reignite
    After 150 years, you can finally visit the grisliest museum in the country

    The 'Black Museum'

    After 150 years, you can finally visit Britain's grisliest museum
    No ho-ho-hos with Nick Frost's badass Santa

    No ho-ho-hos with Nick Frost's badass Santa

    Doctor Who Christmas Special TV review
    Chilly Christmas: Swimmers take festive dip for charity

    Chilly Christmas

    Swimmers dive into freezing British waters for charity
    Veterans' hostel 'overwhelmed by kindness' for festive dinner

    Homeless Veterans appeal

    In 2010, Sgt Gary Jamieson stepped on an IED in Afghanistan and lost his legs and an arm. He reveals what, and who, helped him to make a remarkable recovery
    Isis in Iraq: Yazidi girls killing themselves to escape rape and imprisonment by militants

    'Jilan killed herself in the bathroom. She cut her wrists and hanged herself'

    Yazidi girls killing themselves to escape rape and imprisonment
    Ed Balls interview: 'If I think about the deficit when I'm playing the piano, it all goes wrong'

    Ed Balls interview

    'If I think about the deficit when I'm playing the piano, it all goes wrong'
    He's behind you, dude!

    US stars in UK panto

    From David Hasselhoff to Jerry Hall
    Grace Dent's Christmas Quiz: What are you – a festive curmudgeon or top of the tree?

    Grace Dent's Christmas Quiz

    What are you – a festive curmudgeon or top of the tree?
    Nasa planning to build cloud cities in airships above Venus

    Nasa planning to build cloud cities in airships above Venus

    Planet’s surface is inhospitable to humans but 30 miles above it is almost perfect