Insure a great Autumn City Break

With summer well and truly over for the UK, and the winter blues set to kick in soon, Brits may be thinking of booking one or two short European city breaks to brighten up their autumn. Whether planning a trip for weeks ahead, or booking a last minute deal, Mondial Assistance in the UK is urging holidaymakers to ensure they have adequate travel insurance and do not rely exclusively on their European Health Insurance Card (EHIC).

“While this summer started off as another staycation season for the UK, the number of people travelling abroad later in the summer did pick up,* and short city breaks in Europe could prove popular with many in the autumn and winter,” commented Ben Smart, Director of Travel at Mondial Assistance UK, a leading provider of travel insurance and assistance around the world. “Unfortunately, five years after its launch, there are still some common misconceptions regarding the EHIC, with many believing it is effectively free travel insurance. This could be a very costly misunderstanding.

“As the NHS explains on its Healthcare Abroad website, the EHIC gives you access to the medical treatment at the same cost as a resident of the country – this does not always mean it is free. EHIC cover is by no means comprehensive, and will not cover many of the circumstances and events covered by good travel insurance – travel delays, cancellations, mountain rescue, loss or theft of personal belongings, or repatriation to the UK – to name a few key examples.

“To make matters slightly more confusing, some personal belongings will be covered by a home insurance policy when travelling, but this could only apply to the less valuable items and exclude things such as smartphones and laptops when taken out of the home. We are encouraging travellers visiting Europe to look closely at what is or isn’t covered on their home insurance and the EHIC, and to take out appropriate travel insurance to cover other costs. Those who do not know the Ts and Cs could risk finding themselves facing an unexpected bill.”