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Medical care abroad - EHIC
The E111 has been replaced
From 1 January 2006 the E111 form is no longer valid it has been replaced by the European Health Insurance Card or "EHIC" so if you are a UK resident, you can apply for an EHIC by any of the means shown below.
An EHIC entitles UK residents to reduced cost, sometimes free, healthcare which becomes necessary whilst visiting another country in the European Economic Area (EEA). Simply present your EHIC to the hospital or doctor who is treating you and you will be entitled to state-provided medical treatment if you fall ill or have an accident while visiting any country in the European Economic Area (EEA) on the same basis as a resident of the country you are visiting.
Please note that an EHIC is not a substitute for comprehensive travel insurance.
How to apply
Supposing My Luggage Is Lost?
If your luggage is lost or damaged while in someone
else's care (for example the Airline baggage handlers)
you will be able to claim compensation. You do not need
insurance for this. You will however need to tell the
company concerned as soon as you notice the loss or
damage. There is usually a desk in the baggage reclaim
area of most airports for this specific purpose. You
will be given a Property Irregularity Report (PIR) form
or a computer generated receipt. Make sure you obtain
this as it is the proof of loss or damage and also
contains full details claiming compensation. Provided
you follow the instructions exactly and provide all the
paperwork requested (e.g. baggage check tags, flight
tickets, PIR form) the claim should be settled within a
Credit Card Insurance
Many expensive items (cameras, binoculars, etc) bought
with a credit card are covered for loss, theft, or
damage. This cover is free and normally lasts for a
specified time following purchase. If your valuables are
relatively new and were paid for by credit card they may
already be covered. Phone your card provider to ask.
Why Do People Tell Me I Need Insurance?
Travel Agents, Tour Operators, Insurance Brokers, etc all make a lot of money selling Holiday Insurance. Don't be persuaded by someone with a vested interest; make up your own mind.
Types of Insurance
If you decide you do need insurance then consider how
much you need. Do you just want basic medical cover to
ensure you can be flown home if you get really ill? This
is likely to be much cheaper than full Holiday Insurance
that covers a whole range of things. Do you want
insurance to compensate you should you have to cancel
your holiday? If so check the cover carefully before you
pay. Often the situations in which you are entitled to
claim are so exacting (for example, if you or a close
relative dies) that you will rarely be able to claim. In
most cases the situations in which you will be able to
make a claim are likely to be personally devastating
scenarios and you will be so upset that the last thing
on your mind will be claiming a refund of your holiday.
The insurance company will almost certainly NOT pay out
because you "change your mind" about going on holiday,
have a bad cold, or the dog dies!
The best deals for Holiday or Travel Insurance are almost certainly not available from your Travel Agent or Tour Operator. Search the advertisements in the travel section of the Sunday papers, try the yellow pages, and try the Internet. Consider an annual policy if you go on holidays more than three times per year. Some of the best bargains for both single trip holidays and annual policies can be found on the World Wide Web. Check out http://www.gosure.com which recently offered a holiday insurance policy for five people for one week in Spain for as little as £20. Another Travel Agent quoted £60 for a similar policy.
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Happy travelling Villa Amarilla awaits your arrival!