Assistance voyage

If you are travelling to several countries and want to benefit from a temporary assistance, you must indicate the furthest destination when you subscribe the contract.

Your cover is defined by zone (Europe or World).

- If your chosen destination is in Europe, you will be covered throughout Europe.

Pease note : For journeys to France in combination with another country (excluding Belgium), you must select the other destination, not France. (The premium for a trip to France is lower than for the other European countries.)

- If your chosen destination is outside Europe, you will be covered thoughout the World zone. 

For annual contracts, the geographical cover is defined by the contract you have subscribed (European cover of World cover).

Tip: Depending on your destination, the number of travellers and the length of your trip, it may be more economical for you to opt for annual travel assistance. We will be happy to give you personal advice on 02 541 91 91.

Yes, you are.

In the assistance formulas Light, Smart, Sport and VIP, you can choose to be covered in Europe or in the World.

If you choose the World option, the European coverage is included.

No, unfortunately this is not possible.
A travel assistance insurance can only be subscribed when you are still in Belgium before you start your trip.

This depends on the type of contract you have subscribed :

- For temporary contracts, you have chosen the country you wish to cover. You are also covered in the countries in the same zone that you cross to reach your destination. 

- For Light, Smart, VIP and Sport contracts, you are automatically covered in Europe, but you can extend your cover to the whole world by taking out the "World" option. 

- In our previous range of insurance contracts (Annual, Annual Plus, Annual Comfort, Prestige), you are automatically covered worldwide.

A travel insurance certificate is a document proving that we cover your medical expenses and/or repatriation costs. 

This document is valid for the duration of your assistance contract.

You can download it easily by going to our website and clicking on your customer area.

This certificate is often compulsory when you apply for a visa in order to enter a specific country (it is required by countries such as Russia, Cuba, Algeria, Angola, etc.).

Sometimes organisations offering travel or study abroad (Erasmus) also require this type of certificate.

When you download a certificate via your Customer Centre, you will automatically receive a certificate for each beneficiary named in the policy.

Please note that the document you download consists of several pages if the policy covers several beneficiaries.

For more information, contact our Customer Service on 02 541 91 91 or send an e-mail to admin@europ-assistance.be.

Don't forget to have the addresses of all the beneficiaries.

Are you travelling by plane? For any air travel from the 28th week of pregnancy onwards, you must have a written approval from your doctor/gynaecologist confirmed by the airline doctor.

Any pregnancy complication is covered by us. A birth (including premature) is not a complication and therefore not covered.

A baby born during your travel abroad is covered only from his/her arrival in Belgium. You must then take the necessary steps to have the baby included as an additional insured.

Of course!

All over the world you can enjoy the protection of the best assistance network in the world.

The proud name of our company doesn't change that.

Our temporary contracts cover trips of up to 45 days.

Our annual travel assistance covers trips of up to 3 consecutive months.

For a trip lasting more than 3 consecutive months, you can take out our Long Trip travel assistance. 

For a trip longer than three consecutive months we can offer you our Long Trip travel assistance.

In order to obtain a tourist visa, some countries require proof of travel insurance. This is the case for the following countries, among others:

Cuba: certificate of travel insurance recognized by the authorities (Assistur). This is the case for Europ Assistance. 

Algeria: travel insurance certificate and a legalized accommodation certificate. 

China 

Mongolia 

United States: for trips of more than 3 months. 

Angola (we can provide you with a certificate in Portuguese via our customer service department)

Note: Russia and Belarus are currently excluded from our cover.

The certificates we issue are recognized by the countries listed.

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.

The following travel assistance policies cover all snow activities (including skiing):

Annual (as well as Comfort and Plus)

Prestige

Smart

Sport

VIP

Temporary SNOW

Affinity

Afiliatys

The cover applies on ski runs. Off-piste activities are covered if you are accompanied by a qualified ski instructor. 

The formulas below do not cover snow activities:

Light

Temporary (non SNOW)

You should contact your tour operator, travel agent or carrier for any additional costs arising from the quarantine period. The same applies if you are in an area that has been closed off by local authorities ("lock-down").

This depends on the destination.

For countries such as Cuba, China, Mongolia, Algeria and Angola, a separate attestation stating the country is required.

For other destinations or for other authorities, the statement "worldwide coverage" or "coverage throughout Europe" is usually sufficient.

For more information, please contact our customer service on 02 541 91 91

Note: Russia and Belarus are currently excluded from our assistance.

In travel assistance, an "out of pocket" (franchise) is indeed applied to the reimbursement of medical expenses incurred abroad.

The amount depends on the chosen assistance formula.

Below you find an overview of our current annual products:

If the emergency services abroad use a helicopter to transport you to a hospital (for reasons of urgency or accessibility, for example), those costs are part of the reimbursed medical expenses.

In most contracts, costs for helicopter flights called in for search or rescue operations are reimbursed up to a maximum amount.

Please consult the Terms and Conditions of your contract for this.

In our annual assistance contracts (Light, Smart, Sport, VIP), you benefit from medical cover for all sporting activities, EXCEPT for

- incidents or accidents occurring during motorized events (races, competitions, rallies, raids) when you are taking part as a competitor or assistant to a competitor;

- activities involving firearms (except at professional shooting ranges);

- particularly dangerous sporting activities (including extreme sports) that could expose you to serious injury or death if you practice them incorrectly.

The risk involved in these dangerous sports is usually due to the speed, height or depth involved. This type of sport often requires a specific physical effort on the part of the person and/or special equipment.

Dangerous sports activities are thus those described above and practiced by people who

- are unaware that the activity they are practicing is dangerous (lack of training), and/or

- do not respect safety measures, and/or

- practice the activity recklessly and irresponsibly,

thereby exposing themselves to serious injury or death in the event of an accident.

These dangerous sporting activities are nevertheless covered if they are practiced or accompanied by a person who has undergone professional training, attesting to their knowledge and experience of these activities, as well as their commitment to complying with safety standards.

A copy of the official training certificate may be requested.

In our annual formulas, such as Light, Smart, Sport or VIP travel assistance, you are covered in the United States if you have selected the worldwide cover.

In our temporary contracts, you must select the United States as your destination.

Because of the higher medical expenses in some countries, we recommend opting for an annual formula for the United States. Indeed, in the United States, medical costs can quickly become very high.

Covid-19 is covered in the same way as any other disease.

After testing positive, the person who has contracted Covid-19 is placed in quarantine with medical monitoring.

The patient must immediately contact Europ Assistance Belgium to open its medical file, via the traditional communication channels for assistance.

The medical assistance and the financial intervention of Europ Assistance Belgium will be carried out on the basis of the conditions of the contract, and in compliance with current health regulations.

The compensation is calculated after the intervention of the mutual insurance company and up to the maximum amount covered by the travel assistance contract.

The refund of medical costs in a temporary travel assistance is limited to € 250.000.

For a trip to the US we recommend a higher coverage through an annual travel assistance of € 1.250.000 or more.

See also our blog post in Dutch or French

Our Light travel assistance is a very budget-friendly assistance formula. However, it is important to realise that performance is also somewhat more limited. Below you will find the most important limitations:

• Travels are only covered if they last a maximum of 14 days

• Coverage for the reimbursement of medical expenses abroad is limited to €250,000

• The number of interventions for a vehicle is limited to 2 per insurance year

• There is no cover for skiing

More information about this assistance formula can be found here.

St. Petersburg is located in the European part of Russia.

If you fall ill abroad, Europ Assistance will assist you and follow up your case. We will take care of the medical expenses in accordance with the subscribed assistance formula, after examination of your file by our doctor.

For all epidemics, including the Covid-19, Europ Assistance will always have to respect the rules imposed by the local authorities (e.g. access to cities or hospitals) and take into account the sanitary regulations issued by the competent authorities (e.g. quarantine).

No, we offer you travel assistance regardless of your age.

However, you must be of majority age in order to subscribe to a contract.

Yes, you enjoy the full coverage, provided that you do not have the (double) Amercan nationality.

For citizens of the United States travelling to Cuba, the performance of the assistance services or payment of the benefits is subject to the provision of proof that the trip to Cuba complies with the laws of the United States. For more information, please visit: https://www.treasury.gov/resource-center/sanctions/Pages/default.aspx.

The term "United States citizens" refers to any person, wherever they are, who has American citizenship or habitually resides in the United States (including Green Card holders).

If you have any questions about this, we will be happy to help you during office hours on 02 541 91 91.

If you fall ill abroad, Europ Assistance will assist you and follow up your case. We will take care of the medical expenses in accordance with the subscribed assistance formula, after examination of your file by our doctor. For all epidemics, including the Covid-19, Europ Assistance will always have to respect the rules imposed by the local authorities (e.g. access to cities or hospitals) and take into account the sanitary regulations issued by the competent authorities (e.g. quarantine).

If you are not ill but only affected by a quarantine measure or lockdown, we advise you to contact your tour operator, your airline or your hotel in connection with the extension of your stay.

Also contact the Belgian consular representation: https://travellersonline.diplomatie.be/

In some cases, the Belgian authorities will decide what means they use to repatriate Belgian travellers.

At the date of publication of this reply (20-09-2023), Venezuela is excluded from our assistance cover. The same applies to other countries (North Korea, Syria, Iran, Myanmar (Burma), Afghanistan, Belarus, the Russian Federation, the Ukrainian regions annexed by the Russian Federation (annexation not recognized by Belgium): Crimea, Donetsk, Luhansk, Zaporijia, Kherson).

You find more information on this page.

If you have any questions, please do not hesitate to contact us during office hours on 02 541 91 91.

In all our travel assistance packages, you are covered during your diving. Even if something happens in the decompression chamber, we will intervene.

If you do not have the necessary experience yourself, we recommend you be accompanied by people who have received the necessary professional certification.

In the case described, the quarantine period preceding the positive medical diagnosis is considered as a period during which your medical assistance is activated, with reimbursement of your medical expenses incurred abroad and the resulting costs for the extension of your stay. You are required to submit all supporting documents. Europ Assistance Belgium will then pay for your medical expenses following the intervention of your health insurance fund, up to the maximum amount covered by your travel assistance contract.

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.

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.

Europ Assistance Belgium can organise the purchase of the medicines and their delivery on site. These medicines must be indispensable and prescribed by the patient's doctor. The delivery of the medicines on site is done according to the applicable health rules. They will be handed over to the medical team in charge of monitoring the patient on site.

Yes,

while competing in a race you will be covered at the exception of a motorised competition like for instants a rally or an off course road race.

A Schengen insurance is a travel assistance that covers travellers coming from outside of Europe and travelling to the Schengen Zone and that covers medical costs.

Europ Assistance can offer this formula through our international group.

This insurance can only be subscribed online using this link:

schengen.europ-assistance.com

The e-mail address is:

schengen@schengen.europ-assistance.com

Moscow and all of Russia to the west of Moscow is considered European for Europ Assistance.

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.

Vaccination for rabies is always required.

Additionally, you will have to carry a certificate of good health, delivered by your veterinary.

Rules vary depending on your destination. Your veterinary will be able to inform you.

At the date of publication of this reply (28-11-2023), Iran is excluded from our assistance cover. The same applies to other countries (North Korea, Syria, Venezuela, Myanmar (Burma), Afghanistan, Belarus, the Russian Federation, the Ukrainian regions annexed by the Russian Federation (annexation not recognized by Belgium): Crimea, Donetsk, Luhansk, Zaporijia, Kherson).

You find more information on this page.

If you have any questions, please do not hesitate to contact us during office hours on 02 541 91 91.

At the moment, this type of split payment is not possible.