A couple of people have contacted us at HBBI of late asking this question, and the answer is a very clear 'YES.' An EHIC doesn't really cover you for all that much. Check out the Department of Health's section on the EHIC to find out full information, but basically the EHIC only gives you standard health cover for the country you are staying in, providing you are in the EU. You may still have to pay for extra expenses concerning your treatment, and legal expenses for when there's a third party involved won't be covered. Travel insurance shouldn't be viewed as an extra expense, instead it should be viewed as an essential requirement to giving you peace of mind on holiday. With most travel insurance policies you will get cover for cancellation of flights, curtailment, legal expenses (which are all things the EHIC doesn't cover) as well as medical expenses. You can also get cover for loss of belongings such as your passport and cash, which we recommend strongly. Furthermore, if you're outside of the EU, your EHIC covers nothing! Therefore it's absolutely essential you get travel insurance. Take a look at AA Travel for cheap travel insurance - this website has a number of different policies that will almost certainly be able to cover you for your trip. Be smart - don't go without.