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this post was submitted on 28 May 2025
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Not necessary but some countries have a deductible. Like in the Netherlands hospitals will charge you up to €380 and only claim the costs above that amount from your insurer. So cheaper to get travel insurance.
If that's all you're worried about then paying a insurance 20-80€ a year to insure a risk of 380€ would be a pretty stupid idea, and on average certainly not cheaper
You don't have to pay every year if you are not going on holiday every year. Also not everything will be covered by your normal health insurance, like if you need to get air lifted back home.