Cruises: Passengers who travel without this easy thing risk hefty costs off-ship

“As not all policies are the same, people should look for cover that meets their needs, rather than the cheapest option.”

Meanwhile, Britons have been warned they face huge health bills regardless, should the UK leave the EU with no Brexit deal.

Those travelling post October 31, when the UK is set to leave the EU, are currently in the dark as to what medical costs will await.

Currently EHIC, a card, which is of credit card size and blue in colour, is issued free of charge and allows residents of the UK to receive medical treatment in another member state free or at a reduced cost.

This will not be valid after Brexit in a no deal scenario yet it is unclear whether there will be a replacement.