Hello Nana

I do so agree with soppy. I have had two major incidents over the years, both of which concerned young  children. One in France and one in Spain. Both times we were required to produce evidence of insurance before treatment. One time required an air ambulance repatriation for a fractured femur. Pretty expensive.

Something else to watch out for is whether they have contact numbers 24/7.  Why not try to google for insurance and talk to their people. Losing a suitcase is nothing compared with a medical disaster. I know insurance is costly but I would never leave UK without it. Europe doesn't do NHS. EHIC in my experience is worthless.