Are there different types of travel insurance?

A good travel insurance policy gives you peace of mind, whether it's for a single trip or to cover your annual travel insurance. Whilst buying an annual insurance policy can be more expensive than a single trip policy, it does mean that you don't have to worry about organising travel insurance each time you travel. The other advantage to annual insurance is that if you have multiple trips, it can work out cheaper in the long run.

Does an annual travel insurance policy have restrictions?

In most cases annual insurance policies will limit the total number of days you can travel. However, this is usually more than sufficient for the average person. The number of days ranges from around 20 days to 90 days in more generous policies. But remember, if you don't need this many, don't choose this option as it may be more expensive.

Travel Insurance EHIC or E111

The E111 has now changed its name to the European Health Insurance Card (EHIC). It is usually valid for 3 to 5 years and it covers any medical treatment required on your trip. The EHIC travel card gives access to each country's state provided medical treatment. You may have to make a contribution to the cost of your care. Remember that the EHIC won't cover you if getting medical treatment is the main purpose of your trip. The EHIC covers you for medical treatment that becomes necessary while you're in an European Economic Area (EEA) country or Switzerland.

The EEA consists of the European Union (EU) countries plus Iceland, Liechtenstein and Norway. Switzerland applies the EHIC arrangements through an agreement with the EU. The EHIC is valid in the following countries:

• Austria
• Belgium
• Cyprus (but not Northern Cyprus)
• Czech Republic
• Denmark
• Estonia
• Finland
• France
• Germany
• Greece
• Hungary
• Iceland
• Ireland
• Italy
• Latvia
• Liechtenstein
• Lithuania
• Luxembourg
• Malta
• Netherlands
• Norway
• Poland
• Portugal
• Slovakia
• Slovenia
• Spain
• Sweden
• Switzerland

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