I'm going to the Isle of Man next month, the NHS there is not part of the NHS in mainland UK, but there is a ""reciprocal agreement"" in place whereby patients from UK mainland will be treated free of charge (except where a charge would normally apply on the mainland, eg prescriptions) and vice versa. I've been before and because of this agreement I've never worried about health insurance before, my only worry would be if I were to miss my ferry back due to illness and didn't have insurance to pay for repatriation I could end up stranded.
With my asthma being so volatile and easily triggered at the moment I do have concerns that staying in a hotel and having other people preparing my food I have much less control over my environment and so there is a risk of me running into trouble. I already have an action plan and emergency prednisolone as part of that so I would hope that I would be able to manage things myself should anything happen. I've never had to go to hospital or call an ambulance yet but have had a few close calls, but currently manage several mild-moderate attacks a week at home (GP is aware, and I'm seeing a resp consultant tomorrow) and I'm also on my 3rd prednisolone course in 9 weeks at the moment.
Do you think I should get insurance (I have a quote for Â£25 for the whole trip with no excess if i did need treatment) or would I be wasting my money? What would you do?
EDIT: Just to add Â£14 of that Â£25 was the ""medical premium"" after declaring asthma and a few other things.