We are always surprised to hear that people are relying on their bank account, credit card, or ‘off the shelf’ style travel insurance policies whilst on board a boat.
We tend to find that these types of policies can be restrictive, if they provide cover whilst on the water at all! We would strongly recommend that you check your insurance policy covers you fully before your next trip.
Often people also rely on their European Health Insurance Cards (EHIC) to provide reciprocal health care arrangements whilst in European countries; believing, incorrectly, that the EHIC is an adequate replacement for travel insurance. The EHIC is not a satisfactory replacement for insurance as you are not able to use the card in some parts of the EEA, or anywhere that state-provided healthcare is not available (if it is available it is also important to remember that there is every possibility it will not be at the same standard as we receive in the UK). The EHIC will not cover any private medical healthcare or costs, such as airlift from a vessel, mountain rescue in ski resorts, or repatriation following a medical emergency (including repatriation of remains, following a fatality).
This makes it important to have both an EHIC and a valid private travel insurance policy. Don’t forget too that if you are traveling to/from the Channel Islands you are not covered by the EHIC - making travel insurance even more of an essential.
You would not go on a boat or travel in a car without insurance, make sure your personal travel insurance covers you for all of your travels.