New name, same care: Europ Assistance is changing its name to Redion. Learn more
New name, same care:
Europ Assistance is changing its name to Redion.
Loading... Partners Area Jobs Blog FAQ

Fast assistance

In order to assist you quickly, enter your mobile phone number below and we immediately send you a text message with a link. Click on the link, follow the instructions and we will help you in a few clicks.
Submit
  • FAQ
  • Travel assistance

Travel assistance

Wat are you looking for ?

{{ item.title }}
See more

Refunds

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.
How can I apply for a refund ?

You have subscribed a travel assistance insurance and/or a travel cancellation insurance as a private individual directly with Europ Assistance Belgium or through one of our brokers (your contract number has 10 digits), and you wish to apply for a refund of medical costs, breakdown costs or the expenses of a cancelled trip ? Then you can enter your claim in your customer area.

If you are requesting cancellation of your trip for a medical reason, do not forget to ask your doctor to complete this document.


If you wish to submit a request for reimbursement relating to a Europ Assistance Business contract or a contract linked to a Europ Assistance Belgium partner, please send your request to claims@europ-assistance.be

If you have subscribed an insurance policy with one of our partners (like an airline or a travel agency), please refer to specific instructions in the policy or check this list.

Please always provide us with your bank account number and e-mail address when requesting a refund.

What are the benefits of entering a claim through the Customer zone?

A claim submitted via the Customer Centre on our website is entirely electronic.

This enables us to manage the request more quickly and to give a reply or make a refund more quickly if your file is complete.


You can also submit a refund request via our application.

Are business trips also covered in case of trip cancellation or baggage problems ?

It all depends on the type of insurance you have subscribed.

Here's an overview: 


Annual NoGo cancellation insurance: business trips covered as an option

Temporary NoGo cancellation insurance: business trips covered

Temporary travel assistance contracts: business trips covered

VIP contracts: business trips covered

Smart, Sport or Light contracts (with or without options): business trips not covered


We also offer specific business insurance policies to cover business travel. Please do not hesitate to contact us during office hours on 02 541 91 91 if you have any questions.

Is my luggage automatically covered when I have a travel insurance ?

Certain luggage-related services are covered.

For example, we can send you, at our own expense, a replacement suitcase (made up by a person staying in Belgium) if your luggage is lost or stolen on the spot.

However, luggage is not automatically covered against theft or loss.

This type of insurance can be taken out as an option in all our annual contracts.

The option covers: theft, loss or delay of baggage.

This cover is not available in our temporary contracts.


See more

Medical expenses

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.
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.
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.
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.
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.
See more

General questions

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.
How does travel insurance work?
In the event of a problem during your trip, you must immediately contact the insurance company, which will explain to you how to proceed and who will provide you with assistance. Travel insurance offers protection against the unexpected and allows you to travel with complete peace of mind.
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.
What is good travel insurance?
Good travel insurance has a few characteristics. - First of all, you must make sure that the company is professional, reliable and that it has an international network which allows it to intervene 24 hours a day. There's no point in buying insurance from a company that won't be there when you need it. - Second, the insurance company must be able to offer you a policy that covers your specific needs. Travel insurance policies can vary widely in terms of coverage, so it's important to find the one that's right for you. - Finally, you need to make sure the company responds quickly and is trustworthy. When you're faced with an emergency, you don't want to have to wait days or weeks for your claims to be processed. These different elements allow you to find a travel insurance policy that will protect you on your next trip. In any case, Europ Assistance meets all these criteria.
See more

Sports activities

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.
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.
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.
See more

Car

Can I get a breakdown insurance for a rental car in my insurance ?

No, rental cars cannot be covered for breakdown service by Europ Assistance. Most rental companies will be able, however, to offer you that option.

What we can offer you, through our VIP travel assistance, is a Car Damage Waiver (CDW).

Do I need travel insurance to rent a car?
In general, travel insurance is not required to rent a car. However, there are a few exceptions. For example, if you are renting a car in Europe, you may need to purchase additional insurance from the rental company. This insurance, called "CDW" or "collision damage waiver", covers damage to the rental car. It is important to note that your personal auto insurance policy may not cover damage to a rental car. Luckily, we offer an all-inclusive VIP travel insurance package that also includes rental car CDW insurance!
What is a travel accident?
Travel accidents are events that can happen anytime you are on the go. For example, they can be caused by a car accident, a fall down the stairs, a mishap during a hike or a bad slip at the edge of a swimming pool... Travel accidents can also occur when practising winter sports, such as skiing or snowboarding. If you are injured while travelling, it is important to know what your medical insurance covers and how it can help you and your travel companions. Some travel insurance does not cover winter sports, so if you do this type of activity, be sure to check the coverage before you go.
Can I cover damage to a rental car?

When you return your hire car, the hire company may discover material damage to the car you have hired. In this case, the hire company's insurance will cover the damage, with the exception of the franchise (which remains to be paid by the hirer).


Our annual VIP assistance includes a Car Damage Waiver (CDW). It reimburses the franchise that you owe or would have to pay in the event of damage to the rented vehicle (for example, following an accident).

Our insurance includes reimbursement up to a maximum of €2,000.


I'm the only driver of the travel company. What happens if, for example, I break my arm?

As a beneficiary of the travel assistance contract, you benefit from medical intervention for your medical problem.


As for your vehicle: if your vehicle is also covered in your travel assistance, we will be happy to help you. This can be done, for example, by sending a substitute driver to bring your family home safely with your vehicle.

See more

Geographical coverage

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 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.
Is travel insurance compulsory for international travel?
When planning a trip abroad, an important question to ask is whether travel insurance is necessary or not. Travel insurance is generally not compulsory for international travel, but there are a number of reasons why it can be very useful to take out an assistance contract. The most important reason to purchase travel insurance for international trips is for medical coverage. If you get injured or sick while abroad, travel insurance will help cover the cost of medical treatment and even the cost of repatriation. In addition, many travel insurance policies also cover trip cancellation and interruption, loss of luggage and technical vehicle problems in Europe. While the cost of travel insurance may seem like an unnecessary expense, it could save you thousands of dollars in an emergency. Finally, some countries require proof or certification of insurance before you can enter their territory. This is for example the case for Cuba. Inquire about this with our Customer Service. Europ Assistance offers different types of assistance policies that can cover all your needs. Compare your options here.
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.
See more