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I’m only going to France for a few days do I still need travel insurance?

Travelling to Europe has never been easier, with the Eurostar you can leave London be in France quicker than you can be in Manchester, and sometimes the cost can be similar too.  With Easter coming up and the plethora of Bank holidays in April many people are thinking of long weekend breaks in France.  The ease of the train journey to France can make you forget you are actually going abroad, and you either don’t think to buy travel insurance or think you will be fine without it. 
Travel insurance should be a must buy for any trip abroad, no matter how short.  Many people think that their European Health Insurance Card (EHIC) will fully cover them for any medical treatment if they are travelling to a European Union State, but there are many things the EHIC won’t cover.  For example travelling to France your (EHIC) will enable you to access state provided healthcare at a reduced cost or sometimes free. It will cover you for treatment that is needed in order to allow you to continue your stay until your planned return. It also covers you for routine maternity care provided the reason for your visit is not specifically to give birth.  However if you do need treatment in France you must make sure that you go to a state run medical facility, hotels and tour operators tend to refer people to private medical facilities, so be aware of this.  Even with an EHIC you may still be asked to pay a contribution to your medical care for example a 20% co-payment towards your treatment, although sometimes it will be free. Inpatients will have to pay a daily hospital charge of 16 Euros. If you are admitted to hospital and receive any major medical treatment, you will be charged a flat-rate contribution of 18 Euros in addition to the daily hospital charge or the 20% co-payment. These charges are non-refundable in France but you may be able to seek reimbursement when you are back in the UK.
If you have any medical conditions it is always advisable to buy pre existing medical conditions travel insurance making sure to declare all of your medical conditions.  If you are buying travel Insurance for pre existing medical conditions it is always advisable to use specialist travel insurance for medical conditions provider, like Insurancewith, who have specially designed travel insurance for existing medical conditions policies With 15 years of experience they know what the risks are of travelling with a medical condition/s and Insurancewith are best placed to help you should you need medical treatment whilst abroad, they have a 24 hour Doctor led medical assistance company who will arrange your medical treatment and liaise with your treating doctors in the UK, and making sure any treatment you have is to your best benefit.   They will also repatriate  you and your family back to the UK if needs be.  With premiums for weekend breaks in France starting from £12.43, it does represent very good value for money.


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