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The Money Saving Expert says one thing that is 'totally free' could save holidaymakers loads of money

Heading to Europe this summer? Before you jet off, Money Saving Expert says there's one free card every holidaymaker should have in their wallet - and it could save them money.

The Money Saving Expert has issued a reminder to travellers to get the UK Global Health Insurance Card (GHIC) just in case of an emergency. It can help you access state healthcare in many European countries, however he stresses this shouldn't be a replacement for travel insurance.

Speaking as part of the National Money Assembly held at St Charles 6th Form College in London, Lewis urged anyone heading to the continent to apply for a GHIC before leaving the UK. He explained how the card is "totally free", and warned people to never pay a third-party website to apply for one.

"First of all, if you're going to Europe, you always get your GHIC card, your Global Health Insurance Card," he said. "That's totally free, never pay for it. This gives you treatment in a state-run hospital in a European Union country or equivalent at the same cost as a local - so if it's free for them, it's free for you.

"If you need to go and see the doctor when you're abroad and local people don't pay for the GP, you can go to the GP with your GHIC card. So you should make sure that you have one of those."

The NHS says the GHIC covers medically necessary healthcare during a temporary stay in the EU and certain other countries. However, it does not cover private medical treatment, mountain rescue, being flown back to the UK or costs such as lost or stolen belongings.

For that reason, Martin Lewis says holidaymakers should never rely on the GHIC alone. He urged travellers to arrange travel insurance as soon as they book a holiday, explaining that it protects them both before and during their trip.

He said basic travel insurance for a young person spending a week in Europe can often cost as little as £7 to £10. Martin added: "If you can afford the holiday, you can afford travel insurance."

His long-standing rule is to buy travel insurance "ASAB" – as soon as you book. That's because policies can protect you if illness, injury or another unforeseen event forces you to cancel your holiday before you even leave home.

Applications for a GHIC are free through the official NHS website, and most people can apply online. Anyone using a website that charges a fee is paying for a service they do not need, as the card itself is available free of charge.

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