We immediately then took out Insurance for the UK, as our Europe policy that we do yearly does not cover for this country, so for those of you that think you are covered may I please suggest you recheck your policy!
We used to have Annual Insurance which covered all our holidays but when I had cancer three years ago I have had to get each holiday insured.
a couple of things to check
do you have travel insurance through your bank account, as this would probably cover you for missing/cancelled trains etc , but probably not pre-existing medical conditions
does your household policy cover you for articles taken out of the home. most do, and so you would be covered for your clothes/suitcase etc should they get lost/stolen
you can work out how much a medical problem will cost you in lost deposits/costs and then weigh that up with the cost of extra insurance, but bear in mind that most insurance policies have an excess, and that plus the premium could make it financially unviable if you have some sort of other insurance as above.
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