Planning a trip to Europe? Here's why it's important to understand the difference between your EHIC and travel insurance.

Whether you're heading to Spain, Portugal, France or anywhere else in Europe this summer, it's easy to assume your European Health Insurance Card (EHIC) provides all the protection you need.

While the EHIC is a valuable card to carry, it isn't a substitute for travel insurance. Understanding what each provides can help you travel with greater confidence and avoid unexpected costs if something goes wrong.

When the unexpected happens while you are abroad, like the current conflict in the Gulf Region and Middle East, it is important to stay calm and remember that your travel insurer is there to help you.

You should make contact with them as soon as possible to understand what’s covered under your policy.

Before your next trip, take a few minutes to understand what travel insurance covers and make sure it’s in place early. It could save you a lot of stress, and ultimately money, in the long run.