Rudedog, I've always had holiday insurance, the EHIC is very basic cover for medical only. And it wouldn't cover the cost of repatriation, which can be massively expensive if special transport requirements due to a medical condition ( - I think you'd know more about that than me though!).
You also get cover for lost luggage, delays and other bits and pieces, and often a "helpline" you can call if you are having problems.
Either you don't holiday much or you've been lucky of you've never had any of those things happens to you.
Annual policies work out cheaper by far if you are doing more than one holiday. And as said above somewhere they are unlikely to cover you for covid, at least until it's more under control.
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