Your own travel insurance is highly reccomended, many tour operators insist on their customers having comprehensive travel insurance. These days a lot of people build their own holiday by combining cheap flights & hotels but forget to purchase travel insurance.
Even if you have an EHIC card travel insurance is still vital. It's your peace of mind in case your luggage gets lost, your flights are hot by a delay or if someone in your family unfortunately becomes unwell or has an accident.
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