make sure in europe you have your E111 (got a new name now????) that gives you some medical cover.... But the post office do cover at reasonable prices.
i have shopped and found the best overall to be the caravan club including breakdown cover and personal cover. The covers are high and if you declare existing medical conditions they rarely load you.
Thanks.. I could not remember the new name .. as said it is EHIC... to lazy to go and get the passport folder and Ehic from the safe when I did the post.
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