October 10th, 2011 | 
Author: Unexpected illnesses and injuries on holiday can be terrifying. Not only is it daunting to be treated in an unfamiliar country, but it can also be incredibly expensive, which is why it is essential for your travel insurance to adequately cover medical procedures.
When booking your holiday, it is worthwhile to research the medical care available to British tourists in the country you plan to visit. European holidaymakers fill out European health insurance cards—previously E111 forms—that entitle travellers free or reduced medical care in every country in the EEA. The UK also has reciprocal agreements with some other countries outside of Europe. In the case that a British tourist requires healthcare, they will be treated in the same way as a resident of that country.
This does not mean travel insurance should be completely forgotten when travelling in these countries. Healthcare may vary compared to the NHS, and certain treatments or procedures may not be free as they are in Britain. However, adequate travel insurance can cover these extra costs. Furthermore, unplanned travel back to the UK can be incredibly expensive, and these costs can be covered by the right insurance.
Be aware that America does not have any reciprocal agreement in place with the UK, so travel insurance is essential for a stateside visit. Moreover, an American hospital can refuse to treat you if you do not have sufficient cover; therefore, the right health insurance can not only save money, but also save unnecessary financial stress and worry.
It is recommended that insurance should cover up to £1 million for European holidays and £2 million for international travel.
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