"If you're spending a couple of grand or more (or less tbh) on a holiday, just get travel insurance cos you never know when you might need it and it isn't that expensive - single trip or annual is still a fraction of the cost of that "must have" holiday abroard."
Agreed - just investigate foreign health care costs and the cost of repatriation - it's truly frightening. Tho a family member had a heart attack in Italy (pre-Brexit) and the treatment couldn't have been better and it was free - tho' they required a fax from the DHSS in Newcastle (which came in 12 hours) to confirm UK coverage.