Having a European Health Insurance Card is very sensible when you travel to another European country. Filling out the EHIC form is easy on the official NHS site, and the card will enable you to get free or reduced-cost healthcare in countries within the EEA. However, it should not be seen as a replacement for private travel insurance as there are a number of things it does not cover.

Repatriation Cover

One very important thing that the card does not cover is medical repatriation. Repatriation is when you are hospitalised abroad and want to travel back home to receive treatment but you cannot travel unassisted. In this case, you may require specialised transport to return home. Although the card should cover your hospital treatment, you will have to pay your own transport costs to return to the UK, and this can stretch to many thousands of pounds. It doesn't have to be an issue, however, if you've purchased a private travel insurance policy, as it can be included in the cover. (Of course, you should always check your policy to understand what is and isn't included.)

You May Want to Receive Private Medical Care

When you fill out the EHIC form and receive your card, you should be aware that you only have access to state medical care in your destination country, which can be of a lower level of treatment than you are used to. To ensure you have access to private medical facilities, you will definitely need to have your own travel insurance.

Many Other Things Are Not Covered

There are many other things that are not included on the EHIC but which are included in private travel insurance. For example, you can get cover for trip cancellation, lost or stolen personal belongings, delayed departure and more. If you're going skiing, you can get search and rescue cover included as well as medical, and if you're going on a cruise you can get specialist cover that will provide an air ambulance service to take you to the nearest land-based hospital.

All these things (and more) can be included on a private travel insurance policy, so it is worth considering which of these are important for you. While it's very important to fill out the EHIC form and apply for your card, it should never be considered as a replacement for private cover.

A Perfect Pair

Once you have filled out the EHIC form on the official NHS website , do some research on private travel insurance cover so you can travel abroad with complete peace of mind and total protection against any eventuality.

Tips For Shopping Online

1. If you feel that you will be making a lot of online purchases later on, consider obtaining a separate bank card to use just for these transactions. It is much easier to track all transactions when they are the only items listed about this card's transaction records. Additionally, you don't need to worry regarding your own funds being compromised, even temporarily, if you are a victim of fraud.

2. When you are creating any purchases on the internet and you are required to create a user account, never make use of the same passwords that you use on other websites. Do not make use of your e-mail or banking password to make a free account to buy shoes from a web retailer. If a person was able to see this password, they could have access to not only your profile on the retailer's store.

3. Get familiar with the shipping facts of an online retailer. Their shipping policy should be outlined in a separate section to describe the average time you should get your items, geographic restrictions, shipping choices, possible shipping insurance, and what their shipping and handling fees are. Use all this information to choose if these costs and options fit well to suit your needs, your budget, along with your area prior to placing an order.

4. If you shop frequently at a certain website or online store, it could be worth it to sign up for their email updates which usually have special deals and sales. This can translate into savings for you personally as you may get yourself a discount around the item or perhaps free shipping, which may add up to bigger savings if you buy from the site often.

5. Always save copies of your orders and receipts from online purchases. Many stores will redirect you to definitely a page after you've submitted an order detailing exactly what was bought, customer information, the prices, etc. You should either print a duplicate of this or save a duplicate to your computer in case any issues arise before the end of the return period. Make sure to save any emails about your items' status or correspondence with the company regarding your orders, too.

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