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Surely, if you become ill/accident etc, near to the time limited 90 days, and there is a likelihood of you going over your allowed 90 days, the travel insurance would be obliged to repatriate you.Unfortunately it's not the same as it is now time limited...
Thus should you become ill and go over the three month stay out of every six months in an EU/EEA country it does not cover you...
If you are a dual national, and a national of the country, the 90 days limit would not apply, surely?