Holiday warning: What new Brexit changes mean for your EHIC and what you must do

“But without insurance, making use of those facilities may come with a – sometimes considerable – fee, so getting insured before you go is a wise precaution.”

The expert shared his advice when it comes to picking a holiday insurance policy.

“In terms of choosing travel insurance, you need to do your own research and pick a policy that’s right for you,” he said.

McCauley shared the following pointers:

– Policies are often limited to specific countries, so even if you have an annual policy make sure it covers you for your next trip

– Winter sports and other riskier activities often require additional or specialist cover, If for example you’re skiing or diving, make sure you have the cover you need

– Travellers with pre-existing medical conditions normally need specialist insurance

– Check what the process is for emergencies or making a claim. Is there a convenient number for someone to call in the UK who can help?