This is another ‘you’ll-probably-never-need-this-but-thank-god-you-had-it-when-you-did’ addition. Insurance is great for getting you covered, but there are lots of situations where you would still have to pay up front for medical bills and then claim it back on insurance if you get yourself injured.

If you’re in a European country and you have your European Health Insurance Card (EHIC) though, you’ll get to pay significantly, significantly less. And did we mention the card is free? Even if you don’t know it, you’ve probably got one stashed away in a cupboard somewhere.

An EHIC allows you to access state-provided healthcare in European Economic Area countries and Switzerland at a reduced cost, and sometimes even makes it free. It’s sure saved us a lot of money in the past few years…