The European Health Insurance Card (EHIC) is free and will cover the cost of emergency treatment in any European Union country, plus Switzerland and Norway. Every family member, children included, will need their own EHIC card and it’s worth checking the date as EHICs are only valid for 5 years. You can apply for EHICs at www.ehic.org.uk or by calling the application line on 0044 300 3301350. The EHIC card covers the bearer for urgent and unforeseen treatment in an EEA country outside the country of residence. The EHIC card does not however, provide for air ambulances, private care or repatriation, nor will it cover lost baggage or cancellations. You will therefore still need your own personal insurance.
When searching for an insurance policy it is essential to check that it includes winter sports insurance cover and the level meets your particular needs. This could include, cancellation cover ie. the cost of your holiday and also that baggage cover will allow you to replace any lost possessions. Many people wrongly assume winter sports cover is included in their annual holiday insurance, so please make sure you check your policy. Finally, one that is easily missed, is that you ensure you are covered for any non standard sports you might fancy attempting like tobogganing whilst on holiday.