What is EHIC Cover in Estonia

What is EHIC Cover in Estonia

Emerging from the shadow of the Soviet government, Estonia entered into itself as a popular holiday destination. Despite having a Russian connection, Estonia shares geographically and historically with Latvia and Lithuania. Europe has embraced the newly confident Estonian and has fallen in love with the stunning cities and stunning countryside.
If you are planning a trip to this unique part of the world, along with your passport remember to pack your European Health Insurance Card (EHIC). Since Estonia is in the EU, it has reciprocal agreements with the UK on health care, but just like every other EU country has different rules about what health care is, then Estonia. That’s why, even if you have a valid EHIC, it’s best to get insurance as well. While traveling with family, family travel policy is definitely recommended.

What is EHIC Cover in Estonia

What is EHIC Cover?

Only private insurance, whether it be individual or family travel policy, will cover private medical care in Estonia. If you are relying on your EHIC, you must access a contracted practitioner to the Estonian Health Insurance Fund (EHIF). EHIF has a phone number that you can call from the UK before you travel for more information (00372669663), and there is an excellent EHIF site that provides information in English.

Visit a Doctor or Dentist

If you visit a family doctor or general practitioner in Estonia, you will receive your consultation for free. However, if you or your family members need special care, you need a referral and will be asked to pay some maintenance fees. This is non-refundable if you only have an EHIC. If you have an adequate family travel policy that guarantees you comprehensively, you should be able to reclaim the money you have paid.

Home visits from GP will cost you a small fee, usually up to 5 euros, although this may vary. This fee can not be refunded with your EHIC. For regular dental care there is a fee, but if in an emergency, the treatment is free. And, good news for families traveling with children is a child under the age of 19 receiving free dental care, whatever it is. What is EHIC Cover in Estonia

What about hospital visits?

While on vacation with your family, ending up in a hospital is something you do not want to think about too much, but keep in mind just in case. Hospitalization in state-funded hospitals in Estonia is charged 2.50 euros per day up to 10 days, even if you have an EHIC, but there is no fee for treatment under 18, pregnancy or childbirth, or intensive care. The cost of maintaining a private hospital for family members can only be changed if you have a good family travel policy.

Although health care is very good in Estonia and you deserve it with a valid EHIC, it is always recommended that you issue a good insurance policy as well, especially if you are traveling with children.

Patrick Chong is the Managing Director of InsureMore, an award-winning team of specialists in one global journey, annual travel insurance and family. 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. What is EHIC Cover in Estonia

Life on Galapagos: The Invertebrates

Life on Galapagos: The Invertebrates

 

The unique flora and fauna of the Galapagos Archipelago attract nature lovers from all over the world to explore the region. The best way to do it is on a Galapagos wildlife cruise, which affords participants the opportunity to experience the astounding diversity of the island’s habitats and encounter a wide range of animals.
The mammals, reptiles, birds and marine animals of the archipelago are fairly well known by visitors, and many of the high-profile species can be seen on a Galapagos wildlife cruise. Surprisingly, though, the largest group of organisms is often overlooked.

 

The Invertebrates

Invertebrates have no backbone and are officially classified as animals that “neither possess nor develop a vertebral column”. They include insects, spiders, snails, worms, centipedes and many others. Like all the wildlife, this group had to arrive at the islands either on the ocean currents, with birds, or attached to vegetation or driftwood washed up on the shoreline.

The terrestrial invertebrates exist in every habitat and account for around 51% of the archipelago’s total biodiversity. While they may be small in size, they are absolutely crucial to the delicate balance of the ecosystem. Not only do they act as pollinators, they contribute to the formation of soils by recycling organic matter, and they also feature as an important link in the food chain as part of the diet for birds and small mammals.

The marine invertebrates include the molluscs, sponges, annelids (segmented marine worms), cnidarians (including corals), echinoderms (sea cucumbers and urchins) and many others.

Unique and Imbalanced

While many are still identical to their ancestors on the South American mainland, due to the remoteness of the region and the diversity of habitat just as many have adapted in order to survive. It’s estimated that around 52% of them are endemic. This means that some groups are represented in greater proportion than others, so they are considered to be “imbalanced”.

It is not known exactly how many invertebrate species are found throughout the archipelago, although in 2001 the number was estimated to be well over 2,000 (just for terrestrial ones), with the insects the most diverse and numerous. Some of the insects that may be seen on a Galapagos wildlife cruise include butterflies, dragonflies, moths, wasps, grasshoppers, spiders and flies.

Giant Snails and Colourful Crabs

The giant land snails are a distinctive group comprising around 60 species. They are similar to Darwin’s Finches in that they appear to have made specific adaptations to survive in particular habitats.

While most invertebrates don’t enjoy the glamorous status of some of the mammals and reptiles seen on a Galapagos wildlife cruise, one certainly attracts attention. The delightfully skittish Sally Lightfoot Crab can be seen scurrying between rocks on the shoreline, and its vibrant red and blue shell makes it a favourite with nature lovers.

While at first glance this group may not be as impressive as the Giant Tortoise or have the character of the quirky Blue-footed Booby, they are no less interesting and just as important to maintaining the status quo of archipelago’s ecosystem.

Feel the Thrill of a French Ryder Cup

Feel the Thrill of a French Ryder Cup

A Ryder Cup on the Continent is a rare thing. The last time the United States and Europe tussled on European soil was in 1997 at Valderrama Golf Club in Spain. That edition was a nail-biter, with the home team narrowly coming through by a margin of 14½ to 13½. Next year, however, the event will return to Europe once again: the Albatros Course of Le Golf National in Saint-Quentin-en-Yvelines will serve as the venue from 28 to 30 September.
To make the most of the upcoming Ryder Cup, 2018 will see European Waterways offering golf fans and Francophiles alike a wonderful opportunity: a chartered golf cruise through France and the chance to be at Le Golf National to watch the world’s best competing for the game’s most coveted trophy. Here’s hoping that the 42nd Ryder Cup will be just as exciting and dramatic the one in 1997!

 

Enhance your Game on the Renaissance

Whether you choose to embark before the tournament begins to get you in the mood or decide to join a charter after the final putt is made, the hotel barge Renaissance will make sure you have many opportunities to hone your own game. As Renaissance wends its way along the Loire, it will stop at a number of quintessentially Gallic courses, such as at Château Cely and Fontainebleau.

The Ryder Cup is always a special event, but we think that next year’s is going to be a particularly exceptional one. 2018 is going to be the year when our dedicated European golf cruise truly comes into its own.

Home Soil – A Home Win?

To get your appetite whetted in advance, here’s a preview of the Ryder Cup 2018. Having comfortably beaten the European contingent with 17 points to 11 at the Hazeltine National Golf Club in Minnesota in 2016, the Americans, led by Jim Furyk, will be hoping to retain the Cup for the first time since 1993. Under the captaincy of Danish golfer Thomas Bjørn, Europe will hope that playing on home soil and the backing of the crowd will spur them on to wrest back the Cup.

As for the venue, the 18-hole L’Albatros is certainly a course befitting of such an illustrious competition. British golfer Lee Westwood encapsulated the thoughts of many of his fellow players when stating that it is his “favourite course in Europe” and that it “would make a great Ryder Cup venue”. Finished in 1990, it has acquired something of a reputation for its final 4 holes. The various water challenges to be found here are sure to test the mettle of players from both sides throughout the Ryder Cup – 2018 could see a real classic. There’ll be no such challenges for spectators, though, as L’Albatros is widely considered to provide one of the best viewing experiences in the world.

Paul Newman is the Marketing and E-Systems Executive for European Waterways, the UK’s most respected provider of all-inclusive, luxury barge holidays, which can be booked to coincide with unmissable sporting events such as the Ryder Cup 2018 or the tennis French Open. 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.

How to Keep Marble Countertops Looking Great

How to Keep Marble Countertops Looking Great

When it comes to aesthetic beauty, marble tables for bathrooms and kitchens remain a favorite choice for many homeowners. However, marble countertops do require special care to preserve the original surface. Certain drinks and liquids can damage the marble table if not attended quickly. See how to protect the marble table in Sandy Springs, GA from this kind of damage.
Why Marble Can Be Damaged?

How to Keep Marble Countertops Looking Great

Marble is beautiful to look at, but has properties that make it vulnerable to damage from acidic drinks and spills. The porous marble nature allows the acidic substances, such as tomato juice, lemon juice, wine or milk to eat into the table, leaving permanent etching and scarring on your desk. Every spill should be cleaned up so they do not have time to erode the surface of your table.

Spray Sealant

You can be proactive in protecting your marble table by using a spray sealant on it at least once a month. Sealant provides a protective coating that will protect the little marble against stains and etching. However, you still have to clean up the spill at once to prevent damage. Fortunately, the sealant buys little time to prepare the right cleanser.

What’s Not Used?

There are a number of cleaners that work well on other surfaces that should not be used on the marble surface. Refrain from wiping vinegar or bleach on the surface of your marble, as this is an acidic substance that will definitely ruin your table. Also, do not use abrasive cleaners or pads. It can scratch the marble. If you’re worried you need a special cleanser for your desk, do not worry. Light soap and hot water are an effective cleanser for marble tables in Sandy Springs, GA. Then, clean the foam with a soft sponge or cloth.

Cleaning Solutions

There are several ways that you can successfully remove stains from your marble countertop. One way is to mix hydrogen peroxide and a little ammonia together and then rub the solution on the stain. Since ammonia is actually a weak acid, do not apply more than just a few drops of ammonia, or you will risk hurting your table. Stain paint can be scratched with a dull razor. If the stain persists, ask a professional to ask for help. How to Keep Marble Countertops Looking Great

Shipping Insurance Buying or Not Buying

Shipping Insurance Buying or Not Buying

Paying for the delivery of any item, big or small, can be more than enough even before you charge extra for insurance. But before you say no to insurance, read on to see why shipping insurance is more than just peace of mind.

Should Not Ruin the Bank

Shipping Insurance Buying or Not Buying

When you ship a package with a particular carrier, the same company may offer more delivery insurance than you pay to ship the actual package. But it does not have to be that expensive! Did you know that no matter which carrier can choose to send the package, can you choose insurance from a separate company at a big discount? The price can even be up to 85% lower than the cost of the operator!

Insurance Covers Over Damage

Damage in delivery happens probably more than you think. Insurance should be a no brainer under any circumstances, but it’s too easy to think that no horror shipping stories will happen to anything you send. But at a very affordable price, you can insure everything, including damage, loss, and flaws around the world. Shipping Insurance Buying or Not Buying

Easy Claiming Processing

Government offices are too famous for being slow. How many years in your life do you feel like losing in a DMV or post office? When you go with a separate insurance company, you can be sure that if you need to make a claim, the process will be quick and painless. Most of the claims are actually completed in less than 2 weeks!

Whether you are an individual or a business, sending large or small packages anywhere in the world, think twice before you say no to the shipping insurance. You can get a much better deal than you think, and that’s a small price to pay for the confidence you’ll get.

How to Plan a Trip Worldwide

How to Plan a Trip Worldwide

For most people, taking time away from the routine routine to travel the world is a dream come true. With cities all over the world wooing visitors with discounted rates for places to stay and things to do, airline ticket sales and low annual travel insurance rates, uninterrupted world travel has never been so affordable. So if you’re ready for the adventure of a lifetime, I’ve put together some tips to start your planning!
Where to go?

How to Plan a Trip Worldwide

The first step in planning a world tour is to decide where you want to go! What do you want to see? Make a list of all the places, take a map and start planning the trip path from one place to the next.

If you want to see as many places as possible in the time you have to go, count two nights per city. Anything shorter and you will not have enough time to see a lot from one place, plus you will be very tired, very quickly. If you want to spend more time to visit fewer destinations, determine the number of nights you want to spend in each area and this will determine the number of stops in the prescribed time you have. Budget

Your budget will make many of your decisions for you. This will determine where you go, what type of accommodation you order, and how often you will move from one city to the next. You should also consider adding travel fares such as renewing your passport, annual travel insurance, as well as any required visas or vaccinations – depending on where in the world you plan to travel to. Transport How to Plan a Trip Worldwide

Many airlines offer round-the-world rates, each with its own conditions and limits, so make sure you know the rules before placing an order. Compare these tickets to individual segment rates to ensure you get the most appropriate travel schedule for you and according to your budget. See also travel points, to see if any accumulated points you have will qualify for the flight.

If you plan to travel by train or bus during your round-the-world trips, research routes, fares and online itineraries to get an idea of ​​what will work best for your imagined trip.

Accommodation

It’s easy to research accommodation options lately, with online reviews available on many travel sites like Tripadvisor and Booking.com. Read the overall reviews to get more accurate picture of what staying at a particular property would be like. Like transportation, the travel points you collect can often be used to purchase hotel rooms around the world. How to Plan a Trip Worldwide

The helpful tip in designing a round-the-world trip is to post your plan and any questions you may have on an online travel board at sites like Fodors, Tripadvisor or Lonely Planet. Tourists who have been to the same destination will offer useful tips on various travel subjects, from transportation to annual travel insurance, to the best times of the year to travel to specific destinations.

Once your plan is in place, you can relax, knowing that you have arranged a well planned trip. Realize, too, that even the best plan may end up with a detour here and there, but it’s all part of the journey. Happy traveling! How to Plan a Trip Worldwide

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.

Making Magical Ski Memories with Children

Making Magical Ski Memories with Children

If your little ones are newbies to shredding powder then it is understandable that you will be preoccupied with making this a fun and memorable activity. I am a strong believer that the most important element in the equation is choosing the right resort.
Morzine is a superb choice as it is one of the few resorts with a Famille Plus status, which is awarded to those who demonstrate excellence services for families. It is also easy to reach with a Geneva to Morzine transfer. Morzine has gentle slopes, expert ski schools, charming chalets and dozens of great kid-orientated activities. This creates a wonderful atmosphere that will help your kids to embrace the world of skiing!

 

Read on for advice on helping your kids to have an unforgettable trip.

Are They Ready?

One of the most common questions that ski-loving parents ask is “when should my child start skiing?” Provided they have good balance and coordination, they should be able to get the hang of it. A love of snow is also a plus and not an issue with most kids!

How Can You Encourage Them?

A skiing vacation is not an ordinary vacation. Help them to get in the right mindset by showing them videos, reading books on skiing and generally showing them what a fun activity it is (this should not be too hard!) It is also wise to get them to try on their skis in the safety of their own home – this will develop confidence and make the first day less intimidating.

Laugh at Tumbles

We all eat the snow at some point. It is important to let your kids know that they will fall over, but that it is all part of the process and a key stage in learning. Tell them amusing stories of your own faceplants and laugh whenever you mess up on the slopes. This will keep things positive and add humour instead of stress or embarrassment.

Lessons or Go Alone?

This comes down to personal preference, but if you are confident that you can teach your children the ropes then, by all means, do so – they will feel more confident under the tutelage of a parent. Start them on gentle runs on the baby slopes and make the experience as happy as possible. On the other side of the debate, ski instructors are trained in helping youngsters and provide a fun and safe learning environment. It can also be beneficial to learn alongside kids their own age too.

Tips and Accessories

One great tip I’ve picked up over the years is to give your kid the handle end of your ski pole and hold it across both of you for support. This helps them to get used to the feeling of travelling across the snow. Harnesses can also be of great assistance in developing confidence with newbies.

Strike a Superhero Pose

If they are struggling at any point, get them to strike a superhero pose with their head up, hands on hips and legs shoulder-width apart. In addition to adding a bit of humour, re-search shows that adopting this pose boosts self-confidence and allows them to be in the moment. This is a handy tip not just for skiing!

Overall, it is essential that you let your children progress at their own pace and you should never push them. They should associate skiing with fun and the best way to do this is to create a positive environment in which they can learn.

How to Get to Morzine

Flying to Geneva from London takes around 1.5 hours and many of the budget carriers make the flight. You do not want to be messing around with public transport with little ones in tow, so I suggest booking a Geneva to Morzine transfer for stress-free access. The journey from Geneva to Morzine takes just over an hour by road.

How to get an Instant Life Insurance Quote helps make the right decision

How to get an Instant Life Insurance Quote helps make the right decision

These costs should be covered by insurance to ensure that your loved ones do not have to carry their burden. Whatever your age, life insurance is just a substantial economic option. Low – without dealing with traditional underwriting training Health insurance may be the fastest method of obtaining protection. You’re likely to want to make sure that your lifetime insurance returns your household income after you leave. The life insurance you’ve ever deleted You decide to care for your loved ones is probably the most important economic choice you’ll create.
Take advantage of web car insurance providers to provide offers that you may manage and possibly increase. You should check many forecasts more often than not every alternate night along with adjusting your needs. The thing you want to do is get a regular one; the right cheap offer in order to learn it generally does not protect you for some of your basic needs. Life quotes are very popular these days. Estimates of life insurance plans have become specific when it comes to the different types of findings one might choose. The best approach to starting a live quote is to use a website that not only tends to offer you a price, but may also supply you from unique companies with quotes for review.

How to get an Instant Life Insurance Quote helps make the right decision

You can learn a number of creditors, who are ready to lend under this class to you. Therefore, a considerable risk loan is supplied to these people, who has no promise to secure. For people, a considerable risk of unsecured loans may be a single solution. The quotes keep the entire factual statement about their funds as well as the person. Complete insurance will not end and you will be protected by it for a total lifestyle. This type of insurance is especially useful for individuals who own shares or have their own specialized organization and are therefore the main policy holder of the company or business. You must have insurance that provides protection in incident fees. How to get an Instant Life Insurance Quote helps make the right decision

It’s easy to get an instant life insurance offer while a globe insurance plan is just a very aggressive company. Lifestyle only beats and also the solution is to be able to identify whether you have been in a period and space supply is greatly reduced, supportive attention, and fun for yourself. Creating a separate life is definitely an ongoing process and there will be levels and levels on the road. How to get an Instant Life Insurance Quote helps make the right decision

Just like almost any problem, “is it good to be true” … Home health care plans are not an exception. You are ready to purchase different types of guides that provide you with many monetary options that pursue your decline or death, to address the needs of your immediate family and immediate family and nearest and most desirable needs. It’s certainly more advisable to evaluate a lot of special insurance coverage before investing in a plan. If you enter using the wrong life insurance plan, it will be difficult to change it later without any financial loss. The main concept behind life insurance is to create some cash that may be caused by your household members in the accident, which will alter the monetary damages experienced after the person’s death. Contact us if you have concerns about this useful protection. It is an easy matter to choose many car insurance companies online.

Actually, surely some companies, who are the target people who are unemployed as well? As documented by a statement, although medical providers are increasing, there is an average American who is struggling to cope with the huge costs associated with the recovery. An online agent insurance plan solution can be found for many state citizens. Your customers are switching to big international business from small local companies and we tend to give you all, regardless of the task dimension with the right support level. Online purchasing providers have turned into big companies.

The health industry is complicated. The huge cost of such a life insurance plan requires consideration if the prospective policyholder gets the greatest benefit. If you chose your company to really move in this, one of the most important things to experience a collision? Some companies even may

Reptiles of the Galapagos Islands

Reptiles of the Galapagos Islands

For avid nature lovers, a small group wildlife cruise in Galapagos affords a once-in-a-lifetime opportunity to encounter a wide range of unique animals, including a host of fascinating reptiles.
The local habitat is extremely favourable for reptiles and the original arrivals were more than likely washed up on the shores attached to driftwood or vegetation that came from mainland South America. Because they can subsist on very little water, many more of them would have survived the journey than their mammal compatriots. Over the ensuing millennia, they evolved to adapt to their habitat in many ways – so much so that they are virtually unrecognisable from their ancient ancestors.

 

The Giant Tortoise

Needing little introduction, Giant Tortoises are probably the most sought-after sighting for visitors on a wildlife cruise in Galapagos. While they have no natural predators and were free to live extended lives and evolve to their massive proportions, at one stage human intervention (from pirates and whalers) decimated their numbers. Today, however, they can be observed in their natural habitat (predominantly in the cool, lush highlands of Santa Cruz), and also in the breeding stations on Santa Cruz, Isabela and San Cristobal. True to their name they can grow to weigh up to 250kg.

The Marine Iguana

These remarkably adapted animals are the only sea-going lizard in the world. Their ability to dive for food to depths of 15m sets them apart as a unique endemic species. They’re able to regulate their own body temperature and are quite often seen sunning themselves on the rocky shoreline in order to bring their temperature back to normal after oceanic dives. They can be found throughout the coastal habitat of the archipelago and, like the majority of the wildlife here, are not concerned by the presence of humans.

The Land Iguana

Land Iguanas are larger than their marine counterparts and are not seen as prolifically. They tend to be quite solitary in nature and prefer to forage alone for their food source (vegetation) in a grassy scrubland habitat. Their preferred delicacy is spiky cactus plants, which the hardened, coarse skin around their mouth allows them to devour, spines and all. A new Pink Iguana has recently been discovered on the volcanic slopes of Isabela, although due to the nature of their very small population it’s not possible for visitors to see them.

The Lava Lizard

Lava Lizards can be seen scurrying around everywhere, seemingly always in a hurry to be somewhere else. They subsist on a diet of small insects and grow anywhere up to 30cm in length. The seven endemic sub-species of the lizard all have unique adapted characteristics, depending on where they’re found. Experienced naturalists can tell at a glance from which island they come.

Reptiles Unique to the Region

Some of the other reptiles that might be seen are any of the nine species of geckos and the four sub-species of small, harmless snakes. Most of the reptiles of the region are now considered endemic, which means that those who explore these fascinating islands on a wildlife cruise in Galapagos will see animals that cannot be found anywhere else on the planet.

The River Thames: A Guide to Barging

The River Thames: A Guide to Barging

The River Thames is the spine, the lifeblood and the main attraction of one of the best-known and historically important cities on the planet. But while the section that flows through London is certainly the most high profile, the 215 miles of the Thames slice England, stretching from the Cotswolds at Cirencester, through rural towns and villages to Oxford, London and finally emptying out into the North Sea.
Historically, the Thames has been a vital trade route right back to Roman times. Today, while the Port of London handles around 10% of the entire country’s commercial shipping, the quieter sections of the waterway appeal to private leisure vessels and barge cruise operators.

 

Built On a River

When the Romans arrived in Britain in AD 43, they settled at the most strategic site on the river to build their city, Londinium. From the port they traded extensively throughout the Mediterranean and also made roads to link the capital with the rest of the country. It was the Romans who built the first bridge to span the river, on the site that would later be the crossing of the city’s famous London Bridge.

Bridges and Locks

The bridges that were built across the Thames have become icons of engineering in themselves. Tower Bridge is one of the most acclaimed, and has been an instantly recognisable landmark of the capital since its construction in 1894. The incredible mechanism that allows for its raising and lowering still functions with perfect precision. Westminster Bridge sits under the shadow of Big Ben and is considered one of the most elegant of all in terms of its architecture. The Millennium Footbridge is the city’s newest, opened in 2000 and crossing the river at St Paul’s Cathedral.

There are 45 locks along the river and each has its own history; some date back to the 1500s while others were variously constructed through the 1700-1800s. While in earlier times weirs were built in order to divert the flow of the water to use in mills, as the traffic increased, many of these were converted or used alongside locks, to allow the passage of vessels to navigate the fall of the river. Today, for those on a barge cruise, navigating the locks is one of the most interesting and anticipated parts of the experience.

Attractions en Route

The beauty of exploring the route of the Thames by barge cruise is the constant accompaniment of scenic views and historical and cultural attractions. Runneymede, the site where King John signed the highly significant Magna Carta document, is a popular disembarkation point. As well as the official monument to the event, the lovely woodlands are filled with wildlife and walking paths.

Windsor Castle is another high profile attraction that can be visited along the river, and the oldest and largest castle in the world lives up to the pomp and grandeur of its reputation (the Queen may even be in residence). At Henley-on-Thames, the renowned River and Rowing Museum celebrates not only the river itself, but also the international sport of rowing for which the town has become globally recognised.

Meandering Through History

The elegant curves of the Thames have defined the history of Britain in so many ways. The privilege of being able to traverse its length on a modern day barge cruise offers a unique insight and a truly memorable way in which to see to the country.

Paul Newman is the Marketing and E-Systems Executive for European Waterways, the UK’s most respected provider of all-inclusive, luxury barge cruise 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.