Writing in his latest Money Saving Expert subscriber newsletter, the personal finance guru stresses the importance of sorting out your insurance early and not leaving it until the last minute or letting it be completely neglected.
He told his readers, “Every spring someone asks me a heart-wrenching question.” “Usually they are diagnosed with cancer or some other serious condition that requires long-term treatment, and they will not be able to go on their summer vacation.
“Yet the airline will not refund them – within their rights as the ticket is not defective.
“I say, ‘that’s what travel insurance is for’. Sometimes, though, they tell me they haven’t gotten around to getting it yet.
“My heart sank as I had to tell them there was no recourse. Half the point of cover is to protect you if things happen that prevent you from leaving, so get it ASAP – as soon as you book.
He also advised his fans to ensure they had a valid European Health Insurance Card (EHIC) or its replacement, the Global Health Insurance Card (GHIC), before departing, as these permits allow you to enter state-run hospitals. and make them eligible for medical treatment at the GP. Practices all over Europe for the same price as local.
GHIC was a last-minute element of the Brexit trade deal To continue reciprocal healthcare between the UK and the EU.
The deal covers medically necessary treatments such as kidney dialysis, oxygen therapy and chemotherapy – allowing those with chronic conditions to continue traveling.
But instead of continuing membership of the Ehic scheme, the UK opting out of the EU means British travelers will only have access to free or reduced-rate medical treatment in the EU27 – not in the respective countries of Iceland, Liechtenstein and Switzerland.
A separate agreement has been made with Norway.
Anyone who has a valid Ehic does not need to apply for a new card, as the European document will remain in effect until its expiry date. Both cards will provide equal protection for emergency and medically necessary health care, including for leave, study and business travel, while on temporary stay in the EU.
The card is available free of charge by phone (0300 330 1350) or nhs.uk/Ghic,
Following the Christmas break after topping the festive charts with a charity single recorded with Ladbaby, Martin Lewis is back on his customary media blitz, recently advising his audience on various platforms how to save money cinema tickets, broadband And water bills,