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The cost of your travel insurance will vary according to the area of the world you intend to travel to. If you’re only going to be travelling within the UK you are unlikely to need holiday insurance, exception possibly cancellation cover in case you need to cancel a prebooked holiday. Otherwise, policies usually offer European cover (check for exceptions), or worldwide cover. If choosing Worldwide cover, make sure your policy includes the USA and Canada, if required.
Form E111
If you are a national of the UK or of a European Community country, or Austria, Finland, Iceland, Norway or Sweden, and are travelling in those countries, you should obtain a E111 certificate and take it with you when you travel.
The certificate entitles you to state emergency treatment in those countries, though you may still have to pay some additional charges. It is not a substitute for medical travel insurance which gives far wider cover. Most insurers may not give a discount if you have E111, but it does help to keep the level of premiums down.
In the UK, Application forms for E111 are available from Post Offices
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