Stupid question but do I need travel insurance for a day trip?

[FannyFeatures]

Taking train mad ds on a day trip to France on the Eurostar in June.

Should I have travel insurance for this?

Apologies for the stupid question I've only ever done a proper holiday abroad once and travel insurance was something I worried over but obviously that was a longer trip!

Yes

www.nhs.uk/using-the-nhs/healthcare-abroad/apply-for-a-free-ehic-european-health-insurance-card/

I'd just get an ehic card for a one day trip.

It's up to you. I probably wouldn't bother for one day as we are still part of the EU so you can get the ehic. If you go regularly it may be worth getting an annual policy.

Yes. Think about bag getting stolen or lost too. You may be covered on your home insurance for belongings away from home. An annual multi-trip policy only costs £50.

I would, because unfortunately you can have an accident any time. And even though EHIC covers you for health (on same terms as a national of that country) it does not cover things like repatriation, or additional costs associated with a longer stay if you are not fit to travel immediately.

If you are in normal health, consider getting an annual policy covering all of Europe. Perhaps more than you need right now, but widely available and very cheap

We do have EHIC cards already :)

I would get it...sorry to be morbid but it would cover you for things an ehic will not e.g repatriation if you broke a leg and could not easily travel.

Cost will be minute.

Get it from compare the market and you can benefit from cheap cinema for a year.

it would cover you for things an ehic will not e.g repatriation if you broke a leg and could not easily travel so would booking the trip on a credit card

I would. Here’s why: it will hardly cost anything, so hoping all goes well, it’s a small extra expense.

But let’s say something unlikely but really shit happens. You step awkwardly and break your ankle. Someone nicks your bag and you end up having to stay longer to organise travel documents. Travel insurance will cover your additional costs.

The EHIC is all well and good but it won’t pay for new tickets home/hotel costs when you’ve had medical treatment but are not yet fit to travel.

Is all of this extremely unlikely? Yes. But so is the chance of my house burning down on any given day. I wouldn’t want to risk being uninsured though

Buy an annual policy so you are covered for other trips as well. We have cover as part of our bank account.

it would cover you for things an ehic will not e.g repatriation if you broke a leg and could not easily travel so would booking the trip on a credit card

Willing to be proven wrong but I simply don’t believe this.

Twisted, you've pretty much sums up what I thought so will get it sorted :)

We live in the Highlands do this is a BIG trip for him, it's tied in with a week in London as he's always wanted to visit and after a tough year I decided we'd go for it as it's a big birthday.

Just want to make sure everything is done right to make it as easy as possible, thanks all :o

If you got an annual policy you'd be covered for the week in London too. A holiday in the uk is still a holiday!

Oh I never thought of that!

I stupidly assumed that UK would be fine :/

We’ve had an annual policy for a few years now & pay a bit extra to remove the excess. Haven’t had to claim, fortunately! We’re both over 65 & ours cost £80 this year; it covers us travelling separately as well as together. Less than £1 a week each - bargain!

I’m generally more concerned about things like loss/theft of bag/passport/money/phone etc, which can happen anywhere - also travel delays, like missing booked travel due to traffic holdups, car breakdown, whatever.

Also means if you go away for a couple of days on a whim you’re covered without thinking about it.

If you buy a single day insurance from the company with the singing rodents. Don't want to give names you get access to the buy one get one free cinema offer plus their meals offer

We have done the mini cruises and usually get insurance, just in case. It doesn't cost a lot and as a bonus we get the meerkat 2 for 1 for a year.

I don't think meercats are rodents? //completely irrelevant

It's very cheap - DS went to Amsterdam for 3 days & it cost a couple of £, but meant his belongings, camera etc were covered.

We have travel insurance with our bank account. I think I assumed (possibly wrongly) that any losses incurred on a UK based holiday would be claimable against your home contents insurance, I'm sure our policy includes certain things. A Europe policy for one day will be very cheap and if you go through compare the market then you will get the meerkat meals and movies card thingy which might help for some meals out while you are staying in London.

I stupidly assumed that UK would be fine :/

Most things might be covered if you have enough personal possessions outside the home cover on your house insurance, and with the good old nhs, there's no medical concerns. Just stuff like messed up travel plans, lost hotel costs if holiday has to be cancelled etc.. and anything not covered by your home contents insurance. If you've got enough cover for your possessions on your house insurance and the hotels are easily cancellable etc, Maybe don't bother for uk bit, but just the day abroad.

Cheapest I've found for single trips is www.direct-travel.co.uk

Just because you're only there for a day doesn't mean the risk of robbery, injury, etc is any less (per day). If anything the insurance could be even more important, if you might have less spare finances available.

If you fell ill and had to cancel the holiday travel insurance would cover it whether it was UK or abroad.