Remember This Essential Holiday Item

If you're planning a holiday in Europe, here's one piece of plastic that could save you thousands (and no, it's not a credit card).

When it comes to packing your bags and jetting off on holiday, one of the most important things you should get before going away is travel insurance.

However, as well as deciding whether you'll need extras such as winter sports and cruise cover, there is also one often-overlooked type of insurance I believe is essential for all travellers.

What's more, it's absolutely free.

EHI Free

The European Health Insurance Card (EHIC) replaced the old E111 back in January 2006 and entitles you to free or subsidised state-provided medical costs in any European Economic Area (EEA) country or Switzerland.

You can apply for the card online, over the telephone (0845 606 2030) or by picking up a form at the Post Office. Once active, cards are valid for up to five years.

But how useful is the EHIC? After all, I've travelled to Europe for years, and always assumed my standard travel insurance policy provided sufficient protection. Besides, if I'm already covered, surely there's no need to doubly protect myself?

Well, it's true that the card only covers you for the basics, and it can't be used to travel abroad specifically to receive medical care.

However, there are some vital elements the EHIC does encompass, with facilities such as maternity care and managing the symptoms of pre-existing or chronic conditions that arise while abroad all covered by the EHIC.

Another important benefit is the impact the EHIC can have on other travel insurance claims. Several companies such as Axa, Churchill and Saga will waive the excess if you use the EHIC to reduce the costs related to emergency medical and associated expenses.

Banishing bureaucracy

For those worried about having to answer endless questions on everything from your full medical history to your father's blood type, fear not. 

The process takes less than five minutes, and you only need a few personal details such as your name, address and National Insurance number in order to get one. After that, all you have to do is sit back and wait for it to arrive.

A word of warning

Despite the benefits of the EHIC, it's also vital to remember that the card should always be taken in addition to, not instead of comprehensive travel insurance.

The EHIC only covers basic medical costs, and won't pay for extras such as repatriation or an air ambulance.

However, with the card so simple to apply for - and free, I recommend anyone going to Europe gets one. You may feel like you're doubling up on insurance, but go on holiday without it, and you could be landed with a hefty bill.

After all, as the old cliché goes - it's better to be safe than sorry.

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