After reading the following article it is a wise precaution to buy travel insurance even if you have a European Health Insurance Card. http://www.bbc.co.uk/news/world-europe-22714147 Most travel insurance policies are not expensive compared with other types of insurance such as motor insurance. I wonder if the FCA will state that independent financial advisors should advise clients not to rely on the European Health Insurance Card?rnrnThis information is intended to provide a general review of certain topics and its purpose is to inform but not to recommend or support any specific investment or course of action. The tips may not apply, or be suitable, to everyone and you should contact us for advice if you are unsure whether this is the case.rn