Same here. But then we never do package holidays and generally travel on the cheap. Bit of a scare last year when Al ended up in a&e in France. All covered on EHIC card - out of pocket by about £100 for antibiotics and injections. Could have been worse so perhaps we are not young and invincible any more. Was intending getting travel insurance this year for medical emergencies rather than for cancellations
Yes, sounds familiar. We (usually) travel "independently", in UK and mainland Europe, by car or motorhome. Over past 30 years, have had cause to use medical services (via EHIC) twice. Once, when wife fell off bicycle in France, and, broke tooth, dental services (crown required) were cheaper than same services in UK, so we actually scored on that one. On another occasion I was hospitalised in southern Spain with suspected heart problem. Spent day having various medication and tests. No charges levied at all. On that occasion, I did not actually have my EHIC card on my person, they accepted my Photocard driving licence as proof of entitlement to treatment. The biggest problem on that occasion, was having to find our way back to where ambulance had picked me up, and, find our way back to bus station
All of this may well change now of course, which, given our medical history, will probably mean, no more travelling, sadly.
visiting south of France and Spain . Hope it’s ok 
