[Beth_Disney]

I think that you should have BOTH travel insurance and an EHIC for European travel - the reasoning being that the travel insurance policy will only want to pay for treatment that is not covered by the EHIC.

Here's the wording from my policy -
European Health Insurance Card (EHIC) (Residents of England, Scotland, Wales and Northern Ireland only) If you are travelling to countries in the European Union, Iceland, Liechtenstein, Norway or Switzerland we strongly advise that you take an EHIC with you...This will allow you to benefit from the reciprocal health arrangements which exist with these countries. You should take reasonable steps to use these arrangements where possible.