Many rely on the E111 card you can get which is an agreement with certain European countries to exchange free medical treatment. You need to be aware though that following an accident, the ambulance will take you to the nearest hospital, which could be private. In this case your E111 card will have no value.
Be careful when you are offered free travel insurance, either from holiday operators of even some banks for using their financial circumstances. Make sure you read what is covered and values associated with claims, before you use this as a policy to travel with.
It is possible that what appears like a harmless bit of fun may not be covered under certain annual holiday direct line travel insurance policies. Activities such as being pulled along on a banana boat, or hiring a cycle on certain roads, may not be covered. The only way to be sure is to read all the conditions and exclusions of your policy. This may the reason why you saved money this time.
