Cruising the Waterways: Spontaneous Moments and Cultural Experiences

Cruising the Waterways: Spontaneous Moments and Cultural Experiences

For the uninitiated, the idea of a barge holiday may seem like an odd way to see a country. However, ask anyone who has travelled the waterways of Europe and they will explain with gusto the beauty of cruising through foreign landscapes, tasting gourmet food and wine and learning about local culture and customs.
A barge holiday offers an intimate and immersive way to explore a new place. Not only will you get a novel perspective of the landscape from your position on the water, you will gain inimitable insights from experiences catered to your own tastes and interests.

 

Spontaneous Moments

Though a barge holiday with European Waterways is always meticulously planned, the gentle rhythm of travel allows plenty of time to become acquainted with some of the more unusual aspects of a country or region. Of course, we enjoy showing guests iconic architecture and famous landmarks, we know that they equally appreciate unplanned, authentic moments where they can truly connect to people and places.

This is what we call an ‘insider experience’: an experience possibly unique to the small group of people travelling on your hotel barge creating a memory you will cherish forever.

We love spontaneous moments in which our guests can form relationships with people they meet along the journey. For example, one memorable afternoon our guests were treated to a private tour of a Burgundian lock-keeper’s immaculate garden and cottage before being asked to share a glass of Pastis. They bravely joined him in a game of boules and though our guests played valiantly they were thoroughly beaten by the locals! In the past, our holiday-makers have received a tour of the beautifully tended grounds of a Scottish castle and given a knowledgeable talk by the head gardener.

As many of our guests are wine connoisseurs, we often seek out interesting wine-related adventures. One fortunate group were shown round a beautiful Renaissance castle by the owner himself. The count then took his fascinated visitors down into his excellent wine cellar – we were all very envious! There is also a certain wooden boat on the River Loire well-known to our guests. The hospitable owner is very happy to share a carafe of crisp white wine with his passengers.

Cultural Experiences

We try and lead our guests away from the typical tourist haunts and introduce them to locals whenever possible. From master clockmakers in Holland to builders in a Thames-side boatyard, these craftsmen always have stories to tell and are a fantastic way to tap into the rich history of the waterways. We encourage an appreciation of traditional values and skills – whether the job is the manoeuvring of delicate cogwheels or the creation of an entire vessel, you’ll be impressed! Meeting and learning from locals is one of the best ways to gain a comprehensive cultural knowledge of a region that a guide book just couldn’t deliver.

If you crave a real understanding of the places you visit then maybe a barge holiday is just what you’re looking for.

Paul Newman is the Marketing and E-Systems Executive for European Waterways, the UK’s most respected provider of all-inclusive, luxury barge holiday itineraries. Part of a team of experienced barging aficionados, Paul is first in line to endorse the perks of a slow-paced barge cruise to anyone looking for a unique holiday experience.

Do not overleap electrical inspections energy audits

Do not overleap electrical inspections energy audits

Ignoring your electrical installations may represent your safety hazard as their setbacks are unavoidable from time to time and their impacts may be disastrous. If the electrical or wiring connection in your home is not secured properly, you may experience a short circuit that could damage your equipment or even worse, causing a fire to destroy your property altogether. Usually, situations like this can surprise you because it is caused by unfavorable weather conditions such as rain. Shocks are also a concern and often occur. Of course, everyone can relate to a situation like this: You touch an electronic device and suddenly you feel the impact of an electric current flowing through your body. The resulting sensation can certainly be classified as a surprise. A thorough examination aims to find and avoid the possibility of danger with serious consequences.
You have two main options in terms of electrical inspection: you can take the risk and start a personal examination or you can seek the help of trained and trained specialists. The first scenario can end with a positive note which means that you will have the opportunity to observe certain irregularities and take immediate action. For security precautions, you should not touch the exposed parts of the electrical system and call a professional. It seems that the second option is still fundamental, which is not really a bad thing. Consult someone who has the right knowledge and be able to handle the dangers that may only improve the condition of your home.

Do not overleap electrical inspections energy audits

Energy audits for homes are as important as their goal is to help you save energy and, of course, money. In this case you can apply the same procedure as above. Start carefully checking the various areas and equipment, lighting, ventilation, isolation to find out which ones are causing major energy losses. Record the problems found so that you can tell the experts about the situation and together build the necessary changes. Clearly, the whole process demanded by energy audits is more complicated and requires many procedures that will help you receive answers about energy loss in your home, how to cope with these situations and costs. You should also have an existing energy bill as they represent a clue that will help your auditor find out where to check to find the reason for causing energy loss.

Whether you want to get an assessment of your electrical system and to improve the efficiency of your energy system or you need an energy audit, you should conduct a thorough inspection conducted by a professional inspector authorized by the government. Finding the right energy auditor may require some research on different companies and organizations that provide this type of service, their certification and referrals. Contact various clients and ask their opinion to see if there is a possible complaint. Once you find an experienced energy auditor, you must accompany him throughout the process and communicate all the problems found in your home. His professional equipment will soon detect the source of energy loss. Do not overleap electrical inspections energy audits

A Time Line To Create Wealth

A Time Line To Create Wealth

PALOS VERDES, CA- Our investment philosophy is based on an individual’s chronological time line, which consists of three periods: (1) asset accumulation, (2) wealth building, and (3) asset conservation and how they are used to create wealth
The Playing Field is not level

 

The financial journey through life’s time line starts at different levels, depending on whether you were born with a plastic or a silver spoon in your mouth. As you travel through your time line, your in-vestment options change. Knowing where you are and what options are available will help you make the right choices.

A Winning Financial Plan up to Age 35 A Time Line To Create Wealth

The first chronological period of your life—mid-twenties to mid-thirties—should be devoted to accumulating assets and acquiring basic necessities. When you’re just starting out, your assets are usually limited and the major portion of your income goes for the basic needs—food, clothing, and shelter.

This is the time to save, save, save! Amass as many investment dollars as possible. Your approach to investing during this period should be through tax-deferred plans at work or Individual Retirement Accounts (IRAs). Your degree of risk should be moderate. Investments included in this category are high quality corporate bonds, blue chip stocks, and growth-oriented no-load mutual funds.

Every effort should be made to purchase a home now. The advantages, from tax savings and equity buildup, historically outweigh the short-term benefits of lower monthly rent payments.

Be careful when sheltering yourself and your family from liability. Only pay for protection when you’re purchasing life insurance. Purchase whole life insurance if it will yield a higher rate of return than other investments. After reading the chapter on asset protection, you might seriously consider reducing your liability coverage.

Remember, your main financial goal during this time is tax-deferred accumulation of capital. Don’t take risks with your investments. Save as much as you can so that when you enter the next phase of the time line you’ll be ready to move forward. A Time Line To Create Wealth

Investing between the Ages of 35 and 50

After earnings have increased, assets have been accumulated, and necessities are under control, it’s time to move on. Ready or not, you must face the challenges during this aggressive investment period of your life, when you are between your mid-thirties and early fifties.

The Best Financial Plan for You

Your best financial plan is to create the maximum wealth during this aggressive investment period of your life. Build financial security yourself. Don’t rely on others to do it for you. Many people who relied on major banks and insurance companies for financial security ended up short when these institutions failed. The social security system will not do much better.

You should be careful not to over diversify your assets or adopt a “hold-back” attitude. You must concentrate your assets into one or two aggressive investments rather than spreading them out. Diversification often leads to ineffectiveness.

What if you fail during this period? What is your down side? If you consider your ability to bounce back because of your age, the political influence of your generation, taxes, and inflation, the real risk is minimized. Make your aggressive investments now. As you get older, your ability to rebound declines. If you do not try at this stage in your in-vestment time line, you probably will never do it, and more importantly, you will never know whether you could have made it.

Control Risks A Time Line To Create Wealth

Becoming wealthy requires taking “controlled” risks. If anyone tells you that they became wealthy without taking any risks, they inherited wealth or they won the lottery. Years ago, I discovered that real estate was the best investment to control risk and to create wealth. The Real Estate Digest reports that seven out of ten millionaires made their money in real estate, and Forbes Magazine states that there is a three times greater chance of becoming wealthy through real estate than with any other type of investment.

Real estate allows you to control your risk because you can actively participate in the decision-making process. Passive investments such as stocks don’t give you this opportunity. Movements in real estate values are less erratic than in the stock market. Most people don’t understand the economic forces influencing the market. Since real estate is less volatile, it’s easier to control and to understand. Real estate is tangible. You can touch it, you’ve been exposed to it all your life, and you can identify with it. As a result of this familiarity, you are better able to understand it.

3 Rugged Travel Cameras for Adventure Lovers

3 Rugged Travel Cameras for Adventure Lovers

Whether you love hanging out underwater or exploring the Amazonian jungle, in this day and age, we all want to record our experiences for posterity. Unfortunately, even the fanciest smartphone just doesn’t have what it takes to make it in the desert, or survive a dive into the depths of the ocean.
Why should you compromise on quality images, portability, or special features? Good news: you don’t have to! There are loads of brilliant travel cameras on the market specifically designed to survive challenging environments – as well as connect to WiFi, record stunning 4K videos and more.

 

Of course, not all travel cameras are created equal! Here are three of the best that will perfectly capture the moment allowing you to share your adventures with friends and family and create hundreds of jealousy-inducing social media posts!

TRAVELLER’S TIP: Just as essential as the gear is the gadget travel insurance to protect it. Check out Let’s Go Insure’s independent and super cheap gadget travel insurance to bag the best deal.

GoPro HERO5

The GoPro HERO5 is a seriously practical camera – the perfect all-rounder. Easy to slip into a pocket, the gadget is portable and light so it won’t slow you down. Though it has a one-touch record facility (super useful by the way!),an additional feature is voice command. With just a word you can begin filming instantaneously and you won’t miss a thing. This is also handy if the camera is mounted in a less accessible place, such as at the front of a helmet or the handlebars of a mountain bike! The rugged little camera is happy at depths of up to 33ft and records video in a sharp 4K.

Nikon COOLPIX W300

The Nikon COOLPIX W300 is particularly handy for those who love diving beneath the waves and want to capture what they see down there. It is waterproof to an impressive 100ft and its sleek design means it won’t hold you back during dives. The COOLPIX has a great vibration reduction feature allowing you to capture smoother video and sharper photographs. If you do fancy filming any marine wildlife, you won’t be disappointed by the footage as the camera shoots in 4K and Full HD. The COOLPIX W300 is a hardy gadget and is shock proof from over 2 metres.

Olympus Tough TG-5

This travel camera should appeal to the photography enthusiasts out there as there are a whole range of accessories and add-ons available. From cases to extra lenses, you can build your perfect camera and travel with a range of gear to suit the challenges of different environments. From lenses that increase the zoom up to 7 times to an F2.0 aperture lens for shooting on the go, this action gadget is a one-stop-shop for all your needs.

PHOTOGRAPHER’S TIP: Make sure to make the most of the Olympus Tough TG-5’s microscopic modes. These modes enable you to get up close and personal with nature and capture unique images in breath-taking detail.

With these inspiring travel cameras your holiday snaps will never again be dull – it’s time to get creative! And with Let’s Go Insure’s gadget travel insurance you’ll pay the minimum price for optimal cover of your precious purchase. Bon voyage!

Private Montego Bay Airport Transfers

Private Montego Bay Airport Transfers

Your vacation is taking you to the beautiful island of Jamaica, and you are arriving at the Montego Bay airport; the perfect option for ground transportation is Private Airport Transfer. More and more travelers are opting for private transportation; they describe it as the best way to save precious vacation time and put control in their hands.
The evolution of technology has afforded travelers even more power to choose. Access to past visitors’ reviews allow for informed decisions when choosing a company; with just a smart phone anyone could stay half way around the world and choose the best private airport transportation. Potential passengers are able to choose the best rates and even make special request prior to arriving.

 

You are no doubt a smart traveler, so you would never leave your ground transportation to chance. After all, you did spend a lot of time planning your trip – carefully choosing your hotel, looking over menu, assessing the weather patterns and you have conditioned your mind for a great adventure during your stay. When you choose to pre-book your Montego Bay Airport Transfer, you will have the chance to research the taxi company beforehand, even choose your driver so that you are guaranteed a personable, patient and jovial person to enhance your trip.

Private taxi is by far your best transportation solution in Jamaica. This is true for airport transfers as well as tours and excursions. The experience with Private Transfers is more like renting a vehicle that comes with a personal operator. You are basically in charge, and without the risk of mistakenly driving on the right side of the road.

Any visit to Jamaica without some kind of island tour would be an injustice to a visitor; there is so much to see that you can’t afford to miss; going out of the resort for at least a day is the icing on a “Jamaican Vacation Cake. Don’t leave without experiencing a beautiful country with warm and friendly people who greet you with an infectious smile.

There is a great deal awaiting all travelers; so many excursions just beckoning for your attention. The country is loaded with beautiful waterfalls, beaches, excursions such as river tubing, rafting, horse-back riding, zip line, ATV, Dune buggy and much more. Whatever your interests are, there is something in Jamaica for you.

Cruising the Highlands in Style: The Caledonian Canal

Cruising the Highlands in Style: The Caledonian Canal

There’s no beauty in the world quite like that of the Scottish Highlands. The rugged landscape will take your breath away and make you eager to see more. One of the best ways to explore the wild side of Scotland is by water, and the Caledonian Canal is the finest route of all.
At 60 miles long, this waterway features 29 lochs, 10 bridges, 4 aqueducts and more incredible scenes of nature than you can count. The route connects the south-east of the country to the north-west, reaching from the charming town of Fort William all the way to Inverness. There’s plenty to do and see when you cruise Scotland: the awe-inspiring castles and famous whisky distilleries are sure to catch your attention.

 

You can sail in the shadow of royalty here. In 1873, Queen Victoria travelled on the canal, which has been extremely popular ever since. The canal’s stunning route makes it easy to see why Queen Victoria loved to cruise Scotland so much!

Thanks to James Watt, the inventor of the Watt steam engine, the idea of constructing the Caledonian Canal first surfaced in 1773. It aimed to connect the eastern and western sides of Scotland, providing work for locals and reducing the need to make a dangerous journey around the coast. The canal would enable all key lochs of the Great Glen could be connected, including Loch Ness, Loch Lochy and Loch Oich.

30 years later, the project was approved by the Scottish government and was led by Thomas Telford, a Scottish engineer. It was designed to run in an incredibly straight line along a geographical fault, and was supposedly a master class in engineering. However, the project missed its deadline by 12 years, taking 19 years to build in total, and also exceeded its budget.

This caused problems for ships that were previously designed to navigate the canal: by the time that it was finished, the ships’ designs were outdated and unsuitable. Although steamer ships with iron hulls were capable of sailing around the Scottish coast, these were too big for the waterway. As a result, while the project was visually impressive, it wasn’t quite the huge success that designers had hoped for.

Despite this, cruising along the Caledonian Canal is an amazing experience from start to finish. Among its many highlights is Neptune’s Staircase: as the longest stair lock in the UK, it takes an impressive 90 minutes for a barge to travel the distance of 500 yards, passing through 8 different locks and rising 70 feet in the process.

If rugged natural beauty, astounding industrial skill and authentic local history sounds like your idea of the perfect cruise, Scotland is the destination for you.

Paul Newman is the Marketing and E-Systems Executive for European Waterways, the UK’s most respected provider of all-inclusive, luxury canal holidays across Europe. Part of a team of experienced barging aficionados, Paul is first in line to endorse the perks of a slow-paced barge holiday, whether you’re looking to cruise Scotland, France or Italy.

3 Things to Consider When Choosing a Professional Office

3 Things to Consider When Choosing a Professional Office

The importance of a properly painted office should not be ignored. It may be easy to suppose that nobody really notices a half-hearted paint job in your office, but the fact is that it does have an effect – however subtle – in your workplace atmosphere and how people perceive your business. If your office looks less good, clients and candidates alike can be prevented from associating with your company.

So, with the above thoughts, what are some factors you should consider while supervising Professional Actors in areas like Milton Keynes?

3 Things to Consider When Choosing a Professional Office

1. How Experienced Are They?

When we say ‘experienced’, we not only refer to the number of years in which corporate or individual painters may have been active, but also how experienced they are in providing all relevant services and using all relevant paintings. technique. Is the company you are considering also painting a variety of offices, both inside and outside?

All staff at the Professional Painters MK, for example, are fully examined, have worked in various Government facilities and sensitive environments. This, coupled with high levels of training and supervision, ensures minimal disruption while providing highly cost-effective and professional paint jobs.

2. Do they offer services outside of working hours?

Offices tend to be a hotbed of intense activity from 9am to 5pm daily, so it makes sense to look for a company that is proud to offer a complete working hour service. Professional office painters – such as Professional Painter MK – who can do work all night or on weekends will serve your business purpose by minimizing disruption to your daily operations.

Choose a Professional Painter MK, and before working out of business hours, you’ll meet a dedicated project manager, who will ensure that the entire project goes as smoothly as possible. As well as attending and overseeing the work, the project manager will make regular contacts during normal business hours to keep you informed of our team’s progress and discuss certain requirements to fit your business everyday.

3. Work Preparation What They Do?

If you want your office to accomplish the best, work must be done to ensure the removal of debris, dust, oil or paint off right now on the wall of your workplace before the actual painting work begins. A truly professional office painter will not ignore this important process, whether it requires some simple suction or more robust methods such as sandblasting.

We can talk about other issues that might dictate to your professional office painter – such as their geographic proximity to your business, whether they can offer free offers and whether they leave the office in a clean and tidy condition after completing their work. .

Why not take a closer look at what our professional office painters here at Professional Painters MK can do your office based business in Milton Keynes, Aylesbury, Bedford or Luton?

3 Things to Consider When Choosing a Professional Office

Introduce Young Learners to the Opal Coast

Introduce Young Learners to the Opal Coast

For teachers planning school trips to France, a clearer option such as Paris certainly holds much appeal in terms of their historical depth, culture and accessibility. However, this is not the only objective to consider: The beautiful Opal Beach, which covers the region from Picardy to the Belgian border, provides some excellent options for school trips to France with a focus on subjects such as history, language, or science. Introduce Young Learners to the Opal Coast
The Value of Education for Getting to Beaten the Ticket

There is much to say to bring students to destinations that have not been so touched by modern tourism traps. Exploring Opal Beach will allow deeper levels of intimacy with people and cultures, and expose students to languages ​​and cultures at a comfortable pace. The beauty, tradition and authenticity of the Opal Coast make it an absolute gem for groups of all ages.

Come out in Nature

In addition to its historical and cultural cache, Opal Beach is an area of ​​outstanding natural beauty. For young students on a school trip to France, the opportunity to get out into the coastal environment can offer a warm welcome and help build a profound appreciation of the flora, fauna and spectacular scenery that determines this beautiful region.

To find a different side to nature, a visit to the impressive French National Marine Life Center, also known as Nausicaa, provides an introduction to the diverse marine life. Nausicaa is the largest aquarium in Europe and provides an interactive and highly entertaining experience for children. Introduce Young Learners to the Opal Coast

Engage in history

This coastal region has been an important history for centuries – not only to France but also to the rest of the world. From this coast Julius Caesar invaded England in 55 BC, and the area also played an important role in the second battle of the world war. There are many relics that continue to bring past lives for young students, including the 1916 Somme Museum in Albert, Hitler’s podium rocket at La Coupole, and the Mimoyecques Fortress in Calais.

Find the Authenticity

Not just history students who can benefit from traveling to this area on a school trip to France. The small traditional fishing town that forms the shoreline is an ideal situation for young people to discover their first taste of French language, culture and cuisine. In this relaxed and less touristy atmosphere, the experience is often more authentic and generally less intimidating. Students can practice their beginner language skills with local market vendors, and friendly and always positive responses help them grow in confidence to interact more. It is also an opportunity to expand their appetite to include some regional delicacies to the source.

Though less well known than the larger tourist towns, the Opal Coast is no less important for students in terms of native cultural experience. His ability to facilitate curriculum-based curriculum learning opportunities across a range of subjects provides tremendous educational value potential.

John Gardiner is Managing Director of The School Travel Company, a tour operator specializing in travel for school trips to France and educational tours for school and youth groups to the UK, Europe and beyond. As a father and avid traveler, John is keen to provide students with a valuable and exciting learning experience outside the classroom. By sharing expert advice with teachers, he allows them to inspire their students and continue their studies into life. Introduce Young Learners to the Opal Coast

Best Vehicle Insurance Rate in Florida

Best Vehicle Insurance Rate in Florida

Florida, a country of nearly 20 million inhabitants, is a major destination in the south. Low tax rates and warm warmth are key factors for this population concentration in the Sunshine State. These millions of people must move, no wonder why the country has millions of cars in its path. Owners and drivers of vehicles in the state must be insured and comply with lawsuits as regulated by the judiciary. Most Floridians, regardless of their personal budget, have this common question on their lips “which company in Florida has the cheapest vehicle insurance?” Now, let’s start by checking out some average.

Best Vehicle Insurance Rate in Florida

Recently, a summer survey released samples from several insurance companies in Florida and found that residents pay a premium of about $ 1,100 per month, this exceeds the national average of about $ 900, but below the average of such large countries California. Florida Farm Bureaus Insurance Company has a very low premium of around $ 400 in a recent study. This low premium makes Florida Farm Bureau the cheapest among high insurance companies like State Farm and Geico. If this is your first time buying coverage or you are looking for a more suitable plan, you can check-up for the online rate with Good to Go Insurance. Ignore any denial you might have made in the past and an online policy within minutes.

Obtain Low Cost Auto Insurance in Florida Best Vehicle Insurance Rate in Florida

Finding cheap vehicle insurance in Florida involves several factors; some of which you can control; Others are out of your control. Insurance companies use certain formulas in assessing risk to determine premium interest rates. Key elements in the risk assessment formula include:

• Vehicle type

• Your sex

• Your age

• Your Marital Status

• Your credit rating

• Your mailing address

• The type of vehicle coverage you want and the appropriate amount

The factor that you can control in the search for cheap car insurance is the amount of coverage you buy. Florida Insurance has several laws that you should recognize. Here are some basic rules.

1. It is compulsory to have Liability Insurance in Florida and must have proof of full coverage

2. The required minimum amount of insurance required for all vehicle carriers in the state is:

• $ 10,000 Personal Injury Protection for every accident

• $ 10,000 of Property Damage Coverage Coverage for each accident.

In such a case an accident injures a second party and you can not compensate for any financial loss; You may be required to do a Heavy Liability Insurance, this will be done in conjunction with your mandatory PIP and PDL insurance.

In the event of such an event, your minimum rate is:

• Body Insurance Liability of $ 10,000 in addition to $ 20,000 for each accident

In Florida, People Charged with DUI and sentenced are required to obtain additional BIL insurance.

The legal limit will skyrocket when punished for DUI and will be at:

• $ 10,000 for PIP per accident

• $ 50,000 from PDL

• $ 100,000 per person and $ 300,000 per BIL accident

Increases and additions to a small BIL will increase your rates.

So, avoid drinking and driving if you’re looking for cheaper Florida car insurance. In addition to saving more money, you can also save lives. Call Good to Go Insurance Company today and reduce your premiums.

Florida No Fault Vehicle Coverage

Florida is one of many states under the Law of Indispensable Vehicle Insurance in the U.S. The reason for this law is to reduce insurance costs, facilitate the payment of claims, and to reduce the large amounts paid for lawsuits by limiting liability. This rule allows Vehicle insurance companies in Florida to provide cheaper prices than in some other places. California as a case study has a higher monthly premium than Florida. Many critics have appeared in the Florida no-fault rule, and they blame the limitation of the reckless driving increase and too fast, as it makes the vehicle operators pay less attention to court decisions that are financially draining. Get an online no-fault car insurance quote from Good to Go insurance and save more.

Using EHIC in Belgium: What is Covered

Using EHIC in Belgium: What is Covered

Each country has a different system in terms of health care, but in the EU, as long as you have a Safe European Health Insurance Card (EHIC), you are entitled to reciprocal medical treatment. While this is reassuring for regular travelers, it should be reiterated that reciprocal deals do not mean that you will receive the same treatment as you do with the NHS in the UK. Pay to do your research before you travel and always have one yearly travel or annual travel insurance.
Belgium is an EU country and a popular destination for weekend breaks. It is also in a place that people often drive through on their way to other destinations. With valid EHIC, health care can be accessed at low speed or even free depending on how urgent the treatment is. However there are certain things you should know if you need health care in Belgium.

Using EHIC in Belgium: What is Covered

What is EHIC Cover?

The majority of health professionals in Belgium work on a private and public basis, so when you access care, it is vital that you make sure you are seen by a state-funded general practitioner. Only one trip or an annual travel insurance policy that covers private health care. This is very important in case you ask your hotel or vacation representative to call the doctor for you so you make sure they call the general person. Costs incurred when using a personal doctor can not be replaced by EHIC.

If you need health care in Belgium, you may be asked to pay a fee directly to the doctor. You can then reclaim 75% of the cost while you are still in Belgium. You will need receipts to claim the money back as well as the official form, which can be obtained at the doctor or dentist you see. Of course, if you have annual travel insurance or even a single travel policy, you should be able to refund the entire cost.

What about hospitalization? Using EHIC in Belgium: What is Covered

Again, going to a hospital is not free in Belgium. There is a fixed daily charge of about fifteen euros with the cost of drugs on top of that. If you show your EHIC when you confess that you only need to pay the patient fee and avoid paying a down payment that can be refunded.

And Recipe … Using EHIC in Belgium: What is Covered

The recipes must be paid when purchased at the pharmacy but with EHIC you can reclaim 75% when you were in Belgium. With one trip or an annual travel insurance policy, you may be able to reclaim your full costs. Calling 090010500 takes you to the 24-hour pharmacy information line, telling you the location closest to the open one.

While EHIC is a useful part of the documentation, if you want peace of mind with respect to health care while traveling to Belgium, or indeed any other country, invest in insurance. Annual travel insurance is the best option if you plan on doing more than one trip a year.

Patrick Chong is the Managing Director of InsureMore, an award-winning specialist team in a single global travel and annual travel insurance policy. In addition to offering attractive offers for travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holiday.