Totally understand this is the best possible option. I hope things eventually progress to a stable point where multiple large instances are employing anti-spam and moderation while being connected to each other. At the moment the Lemmyverse is becoming quite fragmented and it’ll confuse users when they can’t participate in certain communities because of it.
The EHIC doesn’t cover things like a mountain rescue or being flown back to the your home country i.e. the most expensive and potentially life-ruining things, so travel insurance is still a good idea.