It is worth noting that you can travel without travel insurance, although it would mean you will need to take care of all potential expenses yourself. This would include medical emergencies, which can easily reach thousands of pounds.
If you’re travelling, it’s important that you purchase the right travel insurance for your needs. Although you might have travel insurance included with your bank account, tour operator, or even just alongside your flights, the cover may not be enough in the event of a medical emergency. For this kind of cover, especially in relation to pre-existing conditions, medical travel insurance is essential.
While some countries have reciprocal health agreements with the UK - such as the EHIC/GHIC, or Medicare - there might still be additional charges or fees. Appropriate travel insurance can help take care of those, as well as all the necessary cancellation, baggage, and travel delay benefits.