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What does the luggage insurance option cover?

We insure your luggage, personal items and belongings you take with you on your trip against:

- theft

- total or partial damage caused by third parties and/or accident

- loss during transport by a transport company

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Is there an out of pocket or exemption for the reimbursement of medical expenses? What should I do if I no longer have the purchase receipts for my personal property? Will Europ Assistance intervene if I or my travelling companion are quarantined because there is a risk that we are infected with Covid-19 or if the contact tracing requires us to quarantine ourselves? Will Europ Assistance intervene if I want to visit a family member (insured by my policy) who is in quarantine abroad? Will EA reimburse the PCR test performed before or during my trip?