E111 form instead of travel insurance?

C

CD2005

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Hi

I have a yearly VHI insurance and going away again to europe in a few days. Do i need an E111 form or will my travel insurance cover what i need..... I was away earlier this year and didn't apply for it but everyone keeps talking about it....

Thanks
 
EHIC & E111 were never intended to replace travel insurance. Any half-decent travel insurance policy will cover a lot more than the basic access to public hospitals that is guaranteed by the EHIC.
 
E111 form instead of travel insurance?
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CD2005 said:
Do i need an E111 form or will my travel insurance cover what i need.....
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These are two different questions! EHIC is not a substitute for more general insurance (e.g. via your private health/travel insurance policy). Whether or not your private health/travel insurance covers the same things as the EHIC depends on the policy.
 
ClubMan said:
These are two different questions! EHIC is not a substitute for more general insurance (e.g. via your private health/travel insurance policy). Whether or not your private health/travel insurance covers the same things as the EHIC depends on the policy.
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Ok so basically the EHIC form is only good for the things that my private insurance doesnt cover?
 
Not necessarily - they are usually different horses for different courses. EHIC is for free public health care. Private travel/health insurance may cover more than just that. Read the details of the EHIC, private health insurance and travel insurance to check what each covers.
 
I believe essentially that the EHIC / E111 covers you for whatever public health care is available to citizens any other EU country in their own country.

What the EHIC/E111 will not cover you for would be repatration costs etc. in the event of a serious accident.

Also it obviously wouldn't cover you for things like delays/ cancellation / baggage that travel insurance would typically cover.
 
As the EHIC is free and takes very little effort to obtain, you should get one. I have heard anecdotal evidence that if you need to go to A&E in a EU country, the EHIC can make life very easy. Private travel insurance is also a very good idea , but who wants to have a hospital administrator look for evidence of what exactly you are covered for in the middle of an emergency.
 
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