What is travel insurance?
Travel insurance is an insurance contract that covers you in the event of illness or accident that may occur during your trip.
Travel insurance comes in several forms. Apart from the basic cover which covers your unexpected medical expenses or covers any medical repatriation, the insurance also covers your luggage in the event of loss or theft or reimburses your trip in the event of cancellation, or cover your vehicle in the event of a breakdown or accident. The imponderables are part of everyday life, if you have to return home earlier than expected following a personal problem such as the death of a loved one or an incident at home, you are covered.
There are different travel insurance policy formulas, so it is important to compare them before taking out, in order to be sure to choose the formula that best suits your needs. You can take out travel insurance through an insurance broker or online through the Europ Assistance website.
Europ Assistance specialises in travel insurance and allows you to choose more comprehensive and extensive coverage than other insurers. To find out more about our options, click here.
What does travel insurance cover?
The basic coverage of travel insurance includes, among other things:
Medical assistance, reimbursement of medical expenses, medical repatriation
Early returns in case of problems at home
The organisation of the visit to the traveller hospitalised abroad
Financial compensation for the days you had to spend abroad in the event of an early return
Baggage insurance in the event of loss or damage to baggage (Optional)
Trip cancellation insurance (Optional)
Assistance for your vehicle in the event of a breakdown or accident (Optional)
…
You can count on the help of Europ Assistance 24 hours a day, 7 days a week.
Find the best plan that suits your travel needs.
Why take out travel insurance?
While travelling, unexpected things can happen. Even if it is not pleasant to consider it, certain risks can hinder your plans or your stay: illness, hospitalisation (while travelling or of a loved one back home), death, medical repatriation, search or rescue costs, loss of your travel documents, early return due to a family event, loss of luggage, etc.
Travel insurance gives you peace of mind by providing assistance and financial protection to deal with these events.
Before taking out travel insurance, it is important to carefully read the General Conditions of the contract to find out what is covered and what is not. You should also consider the country of destination and the activities you plan to do, in order to choose the most appropriate cover.
Europ Assistance offers you several travel insurance formulas, which can be personalised according to your needs.
Why take out travel cancellation insurance?
Cancellation insurance is a protection that allows travellers to be reimbursed in the event of cancellation of their trip. It is often included in organised trips, but can also be taken out separately. The conditions vary according to the insurers, but in general, the cancellation insurance covers cases of force majeure such as illness, accident or death.
Most cancellation insurance covers a specific trip and cannot be invoked for cancellations made a few days before departure. It is important to check the General Conditions of the insurance before taking it out in order to know how long before the start of the trip it is applicable and to know the events covered.
Europ Assistance has created the NoGo cancellation insurance which, depending on the type of contract chosen, covers all your trips for an entire year or a specific trip.
Is travel insurance the same as international insurance?
Travel insurance and international insurance are not the same thing. Travel insurance is a type of insurance that covers you while you are travelling. It can cover things like lost luggage, travel delays, and medical emergencies. International insurance, on the other hand, is a type of insurance that covers you when you live abroad. It can cover things like medical expenses, property damage, and travel accidents. So if you plan to travel abroad, make sure you have travel insurance, not international insurance.
Our insurance packages cover both Europe and the world, so you can be sure that wherever your travels take you, we have you covered.
What is not covered by travel insurance?
When purchasing travel insurance, it is important to know what is covered and what is not. Some contracts only cover unforeseen medical expenses, while others also cover lost luggage or trip cancellation. It is sometimes also possible to cover the vehicle when travelling within Europe.
Some costs are never covered by travel insurance. For example, Europ Assistance does not cover costs related to pregnancy, pre-existing medical conditions or elective surgery. The assistance contract also does not cover costs incurred as a result of illegal activity or alcohol abuse.
It is important to know the coverage of your contract in order to be sure that you have the best protection. Check our website to find out what coverage our contracts cover.
What types of travel insurance are there?
There are two main types of travel insurance: term insurance and annual insurance.
- Short-term (or temporary) travel insurance is usually purchased for a single trip and provides coverage for the duration of that trip.
- The annual travel insurance, meanwhile, covers the beneficiaries during all their trips during the year. This type of travel insurance is often purchased by people who travel frequently or have multiple trips planned.
Both types of travel insurance offer protection against different types of risks, including medical emergencies and vehicle technical assistance (breakdown) in Europe.
Annual travel insurance also offers optional coverages such as trip cancellation insurance, which reimburses you for expenses if your trip is cancelled due to illness or other unforeseen event, and baggage insurance, which reimburses you for luggage. lost or damaged. Some will even intervene in the event of theft or loss of sports equipment.
Europ Assistance is one of the main providers of travel insurance and offers a wide range of assistance formulas adapted to all traveller needs. Before you pack your bags, be sure to research your travel insurance options and choose the policy that's right for you.
We offer annual assistance contracts, and temporary contracts covering a single trip, including ski destinations.
What type of travel insurance do I need and what does it cover?
There are a wide variety of travel assistance contracts available for all types of travellers. The type of contract you need will therefore depend on your specific needs.
If you are concerned about cancellation fees or other expenses related to changes in your travel plans, cancellation insurance may be a good option for you.
If you are worried about the costs of medical expenses you may incur on your trip, choose assistance that has high medical coverage. In some countries where medical costs are very high (such as the USA), this coverage is essential.
There are also contracts that cover the loss or theft of luggage.
Purchasing travel insurance can be essential to protect you against unexpected events that may occur during your trip.
Europ Assistance offers a variety of travel insurance policies to meet your needs. Whether you're looking for full coverage or basic coverage, we have options to suit your budget.
Does my car insurance cover me in Europe?
When travelling in Europe by car, it is important - apart from car insurance - to have adequate assistance cover for your vehicle.
There are several ways to cover your vehicle in Europe in the event of a breakdown or accident. In particular, you can take out travel insurance that also covers vehicles. Europ Assistance offers you such a formula. With a little planning and preparation, you'll have peace of mind knowing that you and your car are covered while on the move.
For exclusive coverage of your car, Drive Assistance covers you from home and even in the event of battery failure or fuel error. If your car cannot be repaired within 2 hours, we will tow it to a garage of your choice.
Do you want to cover just your vehicle in Belgium or abroad? Drive Across is the ideal solution! Thanks to our 24/7 assistance, you are safe not only in Belgium but also - depending on the option taken out - in neighbouring countries or elsewhere in Europe.
How to take out travel insurance?
Taking out a travel insurance policy is very easy. Just visit our website, fill out an online form or contact our customer service. You can also take out travel insurance through your insurance broker.
There are different types of travel insurance, such as annual travel insurance covering all your trips for the year or temporary travel insurance for a single trip. If you are travelling for business, it is also important to take out adequate insurance.
What is the best cancellation insurance contract?
The NoGo cancellation insurance offered by Europ Assistance is one of the most comprehensive. It allows you to cancel and have your trip reimbursed for various reasons, including illness, the death of a loved one, professional reasons or administrative hazards. The NoGo All in temporary contract offers full coverage for a single trip. The annual cancellation insurance contract covers all your trips for the year. Whatever your travel plans, Europ Assistance has a policy that meets your needs. See our offer here.
Does travel insurance cover children (minors)?
Europ Assistance travel assistance contracts cover children, but there are certain conditions. The child must be a beneficiary of the contract, be under the age of 18 and travel with a parent or guardian. If the child is travelling alone, they must have a letter of authorization from a parent or guardian.
Europ Assistance's annual travel assistance contracts allow grandparents to cover their grandchildren if they accompany them on a trip.
If so, contact our Customer Service.
Discover your travel insurance contract here.
Which roadside assistance formula is the cheapest?
Europ Assistance offers temporary medical assistance cover with vehicle breakdown cover or, if you only want to cover your vehicle, an annual Drive breakdown insurance policy.
Is there an app I can use for car insurance?
Europ Assistance offers an application that allows its customers to request assistance and manage their contract(s). The app includes features such as vehicle location tracking, roadside assistance and claims management. The Europ Assistance app is available for iOS and Android devices, you can download it here for free.
Watch our explanatory videos to discover how it works:
https://www.youtube.com/watch?v=A5RjJzd5qeY
https://www.youtube.com/watch?v=k_dwLHY8p3c
What does travel sickness insurance cover?
Many people do not realise that their health insurance or health insurance coverage may not cover them (fully) when travelling outside their home country or travelling to distant countries.
Travel assistance contracts are designed to cover this type of unforeseen medical expense. This may include emergency medical care, medical transfer, or even repatriation for you and those travelling with you.
When choosing a travel assistance contract, it is important to consider the length of your trip, the countries visited and any pre-existing medical conditions.
Some types of contracts cover adventure activities such as hiking and skiing, as well as search and rescue costs.
More details on the Sport travel insurance here.
Does travel insurance cover me if I catch Covid?
Europ Assistance travel assistance contracts cover travellers for issues related to Covid-19.
In the event of a positive Covid-19 diagnosis during your trip, Europ Assistance will cover your medical expenses up to the amount provided for in your contract. If you need to extend your stay to receive treatment, Europ Assistance will cover the cost of your accommodation up to a certain amount.
What is the best type of travel insurance for long-term trips?
If you are traveling abroad for a long period, whether to study, do an internship or as a globetrotter, it is important to take out suitable travel insurance.
During a long trip abroad, it is essential to be well covered in the event of illness or accident. It is also important to have insurance that covers search and rescue costs and the costs of an early return home in the event of problems for a loved one left behind. Most students going on an internship or Erasmus take out long-term travel insurance with their usual insurance company. However, it is often better to purchase travel insurance specifically designed for long trips, as it offers better coverage and higher benefits. It is an excellent option for students who want to do an internship or an Erasmus abroad, but also for those who leave for a long period to discover the world.
Your trip lasts more than 3 months? We've created Long Trip Insurance just for you. It is perfect for long trips such as Erasmus stays or study or professional internships abroad.
How to cancel an annual travel insurance contract?
If you wish to cancel your annual travel insurance, you must contact Europ Assistance customer service. Our team will be happy to help you answer any questions you have about cancelling your insurance contract. You can reach our customer service by telephone on +32 (0) 2 743 33 33 or by e-mail at serviceclients@europassistance.com. We are available Monday to Friday from 9:00 a.m. to 5:00 p.m. CET.
The customer service agent will process your cancellation request and provide you with a confirmation number. Europ Assistance will refund the unused portion of the premium to the policyholder's credit card or bank account. Europ Assistance customers can also cancel their annual travel insurance online or via the app.
Can I subscribe to roadside assistance online?
You can take out and manage all your Europ Assistance insurance contracts by creating an account on our website and logging into your customer area.
Does travel insurance cover pregnancy?
Europ Assistance Belgium offers a wide range of travel insurance to meet the needs of each traveller. This covers pregnancy, as well as pregnancy-related complications
However, for air travel, from the 28th week of your pregnancy, you must obtain written permission from your doctor and the airline to take the flight.
Our cancellation insurance protects you if you have to cancel your trip due to an unexpected event, such as complications or medical problems immediately related to your pregnancy or the pregnancy of a relative up to the 3rd degree, including premature birth at least 1 month before the planned date, or the pregnancy of your travel companion if the trip was planned in the last 3 months of pregnancy and this pregnancy was not known at the time of booking the trip. Before purchasing travel insurance, be sure to read the policy carefully to ensure it meets your needs.
How long before a trip should I take out travel insurance?
For all travel insurance, the effective date of coverage is essential. If you wait until the last minute to purchase a support contract, you run the risk of being left unprotected in the event of an emergency. And if you buy travel insurance too far in advance, you risk paying for coverage you don't (yet) need.
If you take out an annual travel insurance contract (travel assistance), all your trips for the year will be covered. However, the journey cannot yet have begun.
For temporary travel assistance contracts, cover begins on the date indicated in the contract taken out.
Travel insurance/travel assistance can be taken out up to the day before your departure.
For travel cancellation contracts (NoGo), if it is a trip already booked, the cancellation insurance must be taken out at least 30 days before the departure date of the trip.
If you book your trip at the last minute (""last minute""), the cancellation insurance contract must be taken out on the day of booking this trip.
For other types of contracts, such as Drive insurance, a waiting period of 5 days applies after taking out the insurance, before the vehicle can benefit from breakdown/towing coverage.
Find the travel assistance that's right for you here.
Does travel insurance cover theft?
Europ Assistance travel insurance provides you with assistance in the event of the theft or loss of travel documents, passports or identity cards provided they are in the possession of the insured person at the time of the theft. Europ Assistance can also send you a spare suitcase in case of loss of flight or send you prescribed medication (not available on site).
Some contracts also allow you to take out insurance against theft or loss of luggage.
Europ Assistance offers round-the-clock assistance in the event of an emergency, so its customers can be assured that they will be taken care of if they encounter any problems during their journey. To learn more about our policies, click here.
Does travel insurance cover lost or delayed passports?
The loss or theft of a passport is a common travel mishap that can be very complicated and costly to solve. In the event of loss or theft of travel documents (identity card, passport, driving licence, etc.) occurring abroad, first contact the nearest Belgian embassy or consulate. Europ Assistance can give you the contact details. Europ Assistance will cover the transport costs and administrative costs incurred abroad related to the loss or theft of your travel documents. Contact our 24-hour support here.
Does travel insurance cover damage to or loss of luggage?
Our travel insurance policies include optional baggage insurance. Check out our comparison of support packages here.
Does travel insurance cover money lost while travelling?
Europ Assistance offers a variety of travel insurance contracts which provide for the provision of money abroad following illness, accident or loss of money.
In this case, the amount of the sum of money that we transfer to you is limited (max. 2,500 euros) and must be remitted to us beforehand in Belgium. To learn more, click here.
What is the difference between travel assistance and travel sickness insurance?
Travel assistance contracts usually have two components: assistance benefits during the trip and insurance and assistance in the event of illness or accident.
If the travel assistance covers you against certain hassles during the trip (e.g. loss of travel documents, loss of money, sending of a spare suitcase, etc.), the insurance in the event of illness is designed to protect you against costs of any medical treatment you may need during your trip. Often health insurance is required if you are travelling to another country. The best way to get both travel assistance and health insurance is through a company like Europ Assistance. If the country of destination requires proof of insurance, we can issue it to you.
We offer a variety of plans that can be customised to meet your needs, whether you are travelling for business or pleasure. When choosing travel insurance, it's important to consider the type of coverage you need and the countries you'll be visiting. See our options here.
Will my annual contract be renewed automatically?
A month and a half before the expiry date of your contract, we will send you an invitation to renew your policy. It will be up to you to decide whether or not to accept it.
Do I need travel insurance to go skiing?
When choosing and purchasing travel insurance, it is important to consider the activities you will be engaging in during your trip.
For example, if you are planning a skiing holiday, you will need to be sure that your insurance policy includes cover for winter sports.
Europ Assistance offers ski travel insurance, which provides medical coverage of up to €1,250,000 and €5,000 for search and rescue costs. This insurance also provides for financial intervention (maximum 200 euros per person) in the ski pass costs in the event of a skiing accident. To learn more,
click here.
My child is of age. Can she or he still be on my contract ?
Yes, as long as your child still lives with you, is a regular resident in Belgium and is unmarried, he/she can be included in your policy.
What is considered a winter sport in travel insurance?
When it comes to travel insurance, winter sports are not always covered. Thus, to cover, for example, a skiing or snowboarding activity, you must choose a type of travel assistance contract that covers these activities.
Europ Assistance has great expertise in assistance covering winter sports. Most of our policies cover a wide range of activities, including downhill skiing, cross-country skiing, ice skating, sledding, snowboarding, and even off-piste as long as the person is accompanied by an instructor. or professional instructor.
Whether you're planning a trip to the Alps or hitting the slopes, make sure you're properly protected with the right travel insurance policy. More information here on our range of travel insurance
here.
Do I get a confirmation of my contract renewal ?
After the renewal of your annual policy, we will not automatically send you a confirmation.
You can see at any time via your Customer area on our website, if your policy is still in renewal status or whether we have received the payment.
How can I cancel my contract?
To terminate your contract on its expiry date, the quickest way is to call us on 02 541 91 91. (During office hours)
You can also contact us at any time to check with you whether your assistance formula still corresponds to your needs and travel habits. You can call us on 02 541 91 91.
Are business trips covered by travel insurance?
Travel insurance is a complex insurance product that can cover many different types of trips.
One of the most common questions is whether or not travel insurance covers business trips. The answer is yes ! Travel insurance can cover business trips in different ways.
Europ Assistance offers a wide range of travel insurance products for business travellers, from essential cover to more comprehensive insurance.
Business Essential insurance is designed for budget-conscious travellers looking for basic coverage.
""Business Smart"" insurance is a more comprehensive option that includes additional benefits such as trip cancellation and baggage loss protection.
Pour les voyageurs qui souhaitent la couverture la plus complète, Europ Assistance propose l’assurance ""Business VIP"", qui offre une protection contre un large éventail de risques potentiels.
Whatever your needs, Europ Assistance has a travel insurance product that will give you peace of mind on your next business trip.
Are there different types of annual travel insurance?
Travel insurance is essential for anyone who undertakes a trip abroad. But since there are many types of contracts, it is not always easy to know which one best suits your needs.
To help you decide, first consider whether you need annual travel insurance or single-trip insurance. If you travel frequently, an annual contract is likely to be the most cost-effective option. On the other hand, if you only travel occasionally, a temporary contract (for a single trip) may be more appropriate.
We have a wide range of annual travel insurance.
One of our most popular products is our Travel Insurance Light plan, which covers the essentials without being too expensive. This policy provides coverage for :
Coverage of medical expenses
24/7 Support
Loss or theft of luggage (Optional)
Cancellation of the trip (Optional)
Technical assistance to the vehicle in Europe (Optional)
To learn more about the Light travel insurance policy, click here.
Europ Assistance's Smart Travel Insurance contract is designed to provide travellers with the coverage they need at an affordable price. This contract offers a variety of benefits, including:
Coverage of medical expenses
Financial compensation for the travel days you were unable to take advantage of
Cancellation of the trip (Optional)
Lost Baggage Coverage (Optional)
Technical assistance to the vehicle in Europe (Optional)
The cover of this contract can therefore be adapted to your needs. Take a look at some of its main features here.
If you prefer sports holidays, we have a perfect solution for you. Our Sport travel insurance plan covers:
Unlimited coverage of medical expenses
Loss of luggage and sports equipment
Financial compensation for the travel days you were unable to take advantage of
Reimbursement of search and rescue costs
Luggage and sports equipment insurance
Assistance on the ski slopes
Cancellation of the trip (Optional)
Technical assistance to the vehicle in Europe (Optional)
Before you set out on your adventure, make sure you find out more about the Sports insurance contract and how it can help keep your trip safe.
Our VIP travel insurance policy is designed for travelers who want the best possible cover abroad. The policy provides comprehensive protection against a variety of risks, including :
Trip Cancellation and Interruption
Unlimited coverage of medical expenses
Loss or theft of luggage
Damage to rental vehicle
Financial compensation for the travel days you were unable to take advantage of
Intervention in the event of theft or loss of sports equipment
Assistance on the ski slopes
Reimbursement of search and rescue costs
Trip cancellation insurance
Baggage insurance
Technical assistance to the vehicle in Europe (Optional)
For travellers who want full assistance, VIP travel insurance is a great option.
Visit our website to learn more about our VIP travel insurance contract.
The four formulas detailed above can be subscribed for Europe or for the World.
Europ Assistance provides 24/7 assistance to policyholders traveling abroad and is committed to providing the best possible service to its customers through its teams of experienced professionals around the world.
What is Smart Travel Insurance?
Would you like to take out comprehensive and affordable travel insurance? Smart Travel Assistance is what you need. This assistance contract is valid for one year and covers trips of up to 3 months, making it ideal for those who travel frequently. Intervention in medical costs up to 1,250,000 euros is included, as is medical repatriation and early return. So you can leave with peace of mind. Ski assistance is also included in our policy so that you can enjoy your winter holidays with complete peace of mind.
To learn more about the Smart Travel Insurance policy, click here.
What is a temporary travel assistance contract?
Term travel insurance, also sometimes called single trip insurance, is insurance that covers a person for a specific trip. This type of insurance includes coverage for medical expenses and repatriation in the event of a medical emergency. Temporary travel insurance can be purchased for trips within Europe and worldwide. The duration of the trip cannot exceed 45 days.
Term travel insurance is generally less expensive than annual travel insurance, but it doesn't offer the same level of coverage. If you're planning a single trip or an extended vacation, annual travel insurance may be a better option, especially if you want higher medical coverage or purchase additional coverages like trip cancellation or baggage insurance.
In any case, temporary or annual travel insurance also covers your vehicle in the event of a breakdown or accident in Europe.
Europ Assistance offers a variety of temporary travel insurance policies to meet your needs.
- For a short trip to town, the temporary City-Trip contract from Europ Assistance covers your trip for 4 days.
- The temporary Snow contract is intended for winter sports enthusiasts and covers a trip of up to 45 days.
-The temporary classic contract also covers a trip of up to 45 days in Europe or around the world.
For trips in Europe, you can supplement your assistance with vehicle assistance in the event of a breakdown or accident.
- For longer trips, Europ Assistance offers the temporary Long Trip contract, which covers a stay of 91 to 364 days.
All Europ Assistance temporary travel insurance policies offer 24/7 assistance from a team of experts and an international network. So you can be sure that you are in good hands.
To learn more about our policies, click here.
Are there different forms of temporary travel assistance?
There are different travel assistance packages depending on the type of trip you are undertaking. For example, the City-trip temporary travel assistance is intended for a short stay in a foreign city, while the Long-trip temporary travel assistance is intended for a long-term trip, such as a gap year, an Erasmus stay or working holiday. Temporary assistance Snow is intended for winter sports trips.
It is important to carefully check the details of the contract before subscribing, as some contracts exclude certain activities (e.g. skiing or snow activities are only covered in Snow). Europ Assistance offers a range of travel assistance contracts designed for different types of travel. It is therefore useful to look around the entire range to find the one that best suits your needs. To learn more about our temporary travel assistance contracts, click here.
Can I take out short-term roadside assistance cover?
Many people think that travel insurance includes breakdown assistance coverage. But they are actually very different.
Travel insurance is designed to protect you in the event of unforeseen events such as medical issues, trip cancellations or lost luggage.
Vehicle technical assistance, on the other hand, is designed to help you in the event of a mechanical failure during your trip (breakdown, immobilisation of your vehicle, accident).
Europ Assistance offers temporary medical assistance cover with vehicle breakdown cover or, if you only want to cover your vehicle, an annual Drive breakdown insurance policy.
Which travel insurance is best for students, internships or business trips?
The range of travel insurance products is very extensive, offering several solutions for people who want to protect themselves. So, the best travel insurance for students may not be the best option for someone going on a business trip, and vice versa.
However, there are some general tips that can help you choose the best travel insurance for your needs.
First, consider the length of your trip. If you're only going for a week or two, you probably don't need full coverage. On the other hand, if you plan to leave for a long period, you will need to ensure that you have adequate protection. Thus, the Long Trip insurance contract offers coverage for up to 364 days, ideal for those who are on a very long trip or a long internship abroad.
Also think about the activities you will do during your trip. If you engage in risky sporting activities, you must ensure that your assistance contract covers these activities. The annual Sport assistance contract covers theft or damage to sports equipment.
The Europ Assistance VIP Annual Assistance Contract offers a comprehensive annual travel insurance contract that covers everything from medical expenses to lost luggage.
And if you're travelling on a budget, we also offer a Light plan that offers basic protection at an affordable price. You can find more information
here.
Do I have to take out travel insurance for an Erasmus?
If you are going on Erasmus, you may be wondering if you need travel insurance. It is usually a long trip that can expose you to high medical bills or repatriation costs if something goes wrong.
Europ Assistance offers a comprehensive long-term travel assistance contract that covers up to 750,000 euros in medical expenses in Europe (1,250,000 euros in the rest of the world) and provides repatriation in the event of an emergency. This assistance contract can cover a trip of max. 364 consecutive days and also includes ski assistance and an early return guarantee in case you have to return home for an urgent family reason. To learn more, click here.
What are the best travel insurance options for young people?
Europ Assistance offers a wide range of travel assistance contracts.
For the cheapest solution, check out our annual Light travel insurance policy. It is the perfect assistance contract for travellers looking for basic cover for a short stay abroad. This contract covers medical expenses, and optional trip cancellation and loss or theft of luggage. It also includes optional coverage for technical problems with the vehicle. However, it does not cover winter sports.
The most popular type of basic assistance contract is Smart Travel Insurance. It covers trips of up to 3 consecutive months and reimburses unforeseen medical expenses up to max. €1,250,000. As an option, it covers trip cancellation, loss or theft of luggage and technical assistance to the vehicle in the event of a breakdown or accident.
Europ Assistance also offers a comprehensive long-term travel assistance contract which covers up to 750,000 euros in medical expenses in Europe (1,250,000 euros in the rest of the world) and provides repatriation in the event of an emergency. This assistance contract can cover a trip for up to 364 consecutive days and includes ski assistance and an early return guarantee in case you have to return home for an urgent family reason. To learn more, click here.
Apart from annual contracts, Europ Assistance also offers temporary travel assistance contracts which cover a single trip for up to 45 days.
By carefully comparing the coverage and costs of different types of travel insurance policies, you can ensure that you find the best protection that suits your needs.
What is the best travel insurance for sports holidays?
Europ Assistance offers a wide range of travel assistance products to meet different needs. For an active holiday, it is important to find a policy that not only covers a range of activities, but also offers cover for sports equipment in the event of loss, theft or damage.
The Sport travel assistance contract covers a wide range of activities and sports. It includes unlimited reimbursement of medical expenses and contributes to search and rescue costs. Assistance covers you 24 hours a day, 7 days a week, so you can rest easy knowing that you are covered in the event of an accident while on vacation. More details here.
Does travel insurance cover hiking?
Yes, Europ Assistance assistance contracts cover hiking. This is the case for all activities except those that might be considered particularly dangerous or reckless.
If you engage in a sporting activity that may prove dangerous to your physical integrity, it is a good idea to check with your travel insurance provider before taking out an assistance contract to ensure that it meets your needs. View our range of travel insurance here.
Does travel insurance cover swimming?
Yes, Europ Assistance assistance contracts cover swimming. This is the case for all activities except those that might be considered particularly dangerous or reckless.
View our range of travel insurance here.
Is diving covered by travel insurance?
Yes, Europ Assistance assistance contracts cover diving. This is the case for all activities except those that could be considered particularly dangerous or reckless in taking risks.
If you engage in a sporting activity that may prove dangerous to your physical integrity, it is a good idea to check with your travel insurance provider before taking out an assistance contract to ensure that it meets your needs. View our range of travel insurance here.
Do you need travel insurance to cover sports?
You might not expect it, but travel insurance provides you with a useful “safety net” if you plan to do different sporting activities during your trip.
For example, if you are going on vacation to practice golf, sailing or wakeboarding, Europ Assistance offers travel insurance to cover you in the event of an accident, illness and even loss or theft of equipment. To learn more, click here.
If you want to cover your bicycle in the event of a breakdown, theft or act of vandalism, in Belgium or neighbouring countries, take a look at our Bike insurance policy. This insurance also covers you in the event of an accident. To learn more about the Bike insurance policy, click here.
Why take out travel insurance for a sports trip?
Sports travellers usually expose themselves to higher risks than traditional travellers. Some sporting activities can be very physically demanding and certain behaviours can be dangerous.
Going on a sports trip without being covered by travel insurance exposes you to very high medical costs in the event of an accident. Good travel insurance will give you peace of mind and allow you to fully enjoy your trip. Also, since many sports activities require expensive equipment, some travel insurance can help cover the cost of replacing that equipment in the event of theft or damage. Therefore, it is important to carefully consult the guarantees provided for in the assistance contract you wish to take out.
What are the advantages of a long-term travel insurance contract?
Long-term travel insurance is an insurance contract that provides continuous coverage for an extended period. The advantages of such a contract are numerous, in particular the possibility of travelling without interruption and the peace of mind that comes with the certainty of being covered in the event of an emergency. Continuous insurance, such as Europ Assistance's Long Trip, offers 24/7 coverage, making it ideal for those who travel frequently or take long trips.
As far as annual travel insurance is concerned, Europ Assistance offers four different types of contracts: Light, Smart, Sport and VIP.
Light travel insurance is the most basic and covers a trip of max. 14 days and medical expenses up to €10,000.
Smart travel insurance is the classic travel assistance. It covers a trip of up to 3 months and medical expenses up to €1,250,000.
Sport travel insurance is designed for travellers who practice sporting activities abroad. It covers sports equipment, reimburses search and rescue costs, and covers medical expenses up to an unlimited amount for trips of max. 3 months.
VIP travel insurance is the most comprehensive and includes all the benefits of the other three policies, plus specific assistance options and services.
These annual travel insurances can each be supplemented by vehicle assistance in Europe. Whatever your travel needs, Europ Assistance has a policy that will meet your needs.
To learn more about our travel insurance policies, click here.
Which travel insurance is the best for an internship in the EU?
Several aspects should be taken into account when choosing an assistance contract for students going abroad. One of the most important is the length of stay. If you're only planning to be away for a few weeks, standard travel insurance will probably suffice. On the other hand, if you are going away for an extended period, for example for an Erasmus semester, you may need to take out longer term insurance.
We offer travel insurance policies specially designed for students going abroad for a long period.
With their extensive coverage and 24/7 support, they are a great option for anyone who wants peace of mind during a long-term internship, in Europe or outside of Europe.
Our Long Trip Assistance contract covers up to 364 days of travel and includes benefits such as emergency medical expenses, lost luggage and trip cancellation. To learn more, click here.
I can't find my actual travel assistance formula on this website.
On our site we present the products that are currently on sale.
You may have taken out insurance in the past that we no longer sell.
In your Customer Area or Partner Area, you will find more information about your current cover.
We will also be happy to answer any questions you may have on 02 541 91 91 or help you if you wish to change your travel assistance package.
Below you will find an overview of some of the products we no longer offer for sale :
(*) In our actual assistance formulas, people with diabetes are always covered.
Are wars and uprisings covered ?
Travel assistance
Our Travel Assistance formulas and Cancellation insurances exclude by definition states of (civil) wars, uprisings, strikes, riots, etc. However, if you are injured, we will cover your healthcare costs.
If our services can intervene on site without taking any risks and in places where there is sufficient (medical) infrastructure, we may consider repatriation.
Under no circumstances we will repatriate in a situation of war or riot. In such cases, the Belgian government will organise the necessary assistance in order to repatriate its nationals.
Cancellation insurance
The cancellation of a trip due to war or insurrection is not covered by our insurances.
What coverage does home assistance offer?
Europ Assistance Belgium offers a unique service called House assist. This service is designed to help people who have a problem in or at their home in Belgium. Europ Assistance provides assistance for urgent problems with heating, pipes or following an accident. You can also call on House Assist to find a tradesperson to carry out small jobs.
Which assistance services are covered by the Europ Assistance House Assist contract?
Europ Assistance covers a wide range of maintenance services with Europ Assistance's House Assist policy covers a wide range of home services, such as urgent repairs or a replacement solution for certain items in your home that break down. Europ Assistance also covers the cost of emergency repairs, such as repairing a burst pipe or a broken boiler. We will also pay for replacement parts and labour costs, up to a maximum amount specified in the contract. In addition, Europ Assistance will intervene to find temporary accommodation if your home is uninhabitable due to damage caused by an insured event. Maintenance services not covered by Europ Assistance include routine maintenance and repairs, such as painting and decorating. Nor does Europ Assistance cover the cost of damage caused by pets, pests, or vermin.
What is the difference with the standard Temporary product?
The Temporary Digital product allows you to manage your contract, request your assistance and your reimbursements, and follow them only through the digital channels we provide. These include the mobile application 'Europ Assistance Belgium', the Customer Area, and our FAQ which provides additional information.
Our application allows you to fully manage all the actions mentioned above, while the Customer Area only allows you to request reimbursements and manage your contract.
How can I modify the beneficiaries and vehicles listed in my contract?
For this, you have two options:
Either via the application by clicking on your contract and then on 'See more' next to the 'Beneficiarie(s)' section. Then click on 'Modify' and update the information.
Or via the Customer Area by clicking on 'Show more' under your contract. Make the necessary updates in the Beneficiarie(s) and Vehicle(s) section.
How can I modify the coverages of my contract?
Use our application, click on your contract and then on 'Modify' next to the 'Coverages' section. A page will be available after clicking on 'Start', offering you different types of modifications.
Where can I view and download my documents (e.g., contract, general conditions, travel certificate)?
To do this, you have two options:
Either via the application by clicking on your contract and then on 'Documents'.
Or via the Customer Area by clicking on 'Show more' under your contract. A 'My documents' section will then be available. It includes all the documents you can download.
How can I modify my communication preferences and my newsletter subscription?
To do this, you have two options:
Either via your application by clicking on your contract, followed by 'Preferences'. A page will then be available, allowing you to adjust how you wish to be contacted and manage your newsletter subscription.
Or via the Customer Area. To manage your contact method preference, click on 'Show more' under your contract. A 'My preferences' section will then be available, allowing you to choose the desired communication mode. To manage your newsletter subscription, click on 'My profile' next to your name. A 'Newsletter' section will then be available, allowing you to manage your subscription.
How can I add my customer card to my Wallet?
To do this, you have two options:
Either via your application by clicking on your contract and then on 'Add to Wallet'.
Or via the Customer Area by clicking on 'Show more' under your contract. A 'My digital customer card' section will then be available.
How can I request medical assistance digitally?
On the home page of the application, click on 'Request assistance'. This will activate a page that allows you to choose the type of assistance you need. In the case of medical assistance, you must complete the form with all the basic questions. This will automatically open a file with your assistance request. You will then be contacted as soon as possible by one of our assistance agents to help you. You can follow the progress of your request at any time in the 'Your files' section on the home page of the application.
How can I request roadside assistance digitally?
On the home page of the application, click on 'Request assistance'. This will activate a page that allows you to choose the type of assistance you need. In the case of roadside assistance, the management and follow-up of your request will be entirely digital. Thanks to your location, a nearby tow truck will be designated and sent to you. You can follow the progress of your request at any time in the 'Your files' section on the home page of the application.
How can I request home assistance digitally?
On the home page of the application, click on 'Request assistance'. This will activate a page that allows you to choose the type of assistance you need. In the case of home assistance, you must complete the form with all the basic questions. This will automatically open a file with your assistance request. You will then be contacted as soon as possible by one of our assistance agents to help you. You can follow the progress of your request at any time in the 'Your files' section on the home page of the application.
How can I request another type of assistance digitally?
On the home page of the application, click on 'Request assistance'. This will activate a page that allows you to choose the type of assistance you need. In the case of assistance other than medical, roadside, or home assistance, you will need to complete the form describing your situation. This will automatically open a file with your assistance request. You will then be contacted as soon as possible by one of our assistance agents to help you. You can follow the progress of your request at any time in the 'Your files' section on the home page of the application.
Where can I see the progress of my assistance case?
You can see the progress of your request at any time in the 'Your requests' section on the application's homepage.
How can I request a reimbursement digitally?
To do this, you have two options:
Either via your application by clicking on your contract and then on 'Your reimbursements'. A page will then be available, allowing you to make a new reimbursement request.
Or via the Customer Area by clicking on 'Show more' under your contract. A 'My reimbursement requests' section will then be available.
Where can I track the progress of my reimbursement case?
To do this, you have two options:
Either on the home page of the application by clicking on 'Your files'.
Or via the Customer Area by clicking on 'Show more' under your contract. A 'My reimbursement requests' section will then be available.
Will my pet be repatriated, too?
Yes, in case of repatriation, the pets (dog or cat) of the beneficiaries will also be repatriated.
Pets are not mentioned on the subscription form.
