It appears it is an obvious decision to ensure you have travel insurance when travelling to countries such as the America, Far East, and Caribbean etc. Countries where there is a history of high medical costs, if treatment is needed. But as travelling to another country becomes the equivalent to travelling to another big city 15 years ago, more and more people are becoming more complacent about the need for travel insurance. This is more apparent in European countries where there is a national health service, of which there is an agreement with the European community to treat other Europeans free of charge.

Take Spain for example which is part of the European community and will offer free health care say to a UK citizen on holiday or living there. There are certain conditions, first of all you must have a UK E111 form, if you don