Only public hospitals abroad in participating countries can accept your E111 card. Private hospitals or clinics will still expect you to pay for any treatment. You may not be able to find a public hospital near where you are based abroad.
Travel insurance is not just for leisure but for business too. If you are regularly away on business, it makes sense to have over 65 go travel travel insurance to cover you for those unforeseen circumstances. You can be covered for possessions lost or stolen or even severely delayed flights. If your flight is cancelled you can buy another, at least knowing your cost will be covered.
Most annual policies only allow you to travel for a certain amount of days per trip, normally 30 days. If you intend to travel for a longer period, even if it is well within your policy dates, you should buy a policy that allows extended travel periods. This may cost a bit more.
If a child were to become ill, most travel insurance polices will only cover the child and one parent to stay in the resort to look after the child. Everyone else would either need to go back home as normal or fund the rest of the group to stay also.
The USA is not renown for offering free or cheap medical treatment. Many Americans would not consider ever not having health insurance, so it makes sense to never travel to the USA without over 65 go travel travel insurance. Even the smallest of treatments can cost more than your holiday did.
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