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.
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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.
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.
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.
You are quarantined abroad, but you are not ill

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").

Is there an out of pocket (franchise) for the reimbursement of medical expenses?

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:

Is transport by helicopter to the hospital covered?

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.

When applying for reimbursement of medical expenses, do I first have to contact my health insurance(mutuelle)?

Did you have medical expenses while travelling abroad ?



Europ Assistance will pay for your medical expenses abroad after your mutual insurance company (compulsory and supplementary health insurance) or any other health insurance company has intervened.

To this end, please first send these organisations proof of your expenses. Make photocopies beforehand.


After reimbursement (total or partial), you can send Europ Assistance the original statement and copies of the notes. 

If you are refused assistance, send us the certificate of refusal and the original receipts for your expenses by post to the address :


Europ Assistance Belgium

Claims Department

Cantersteen 47

1000 Brussels


In the event of hospitalisation abroad, you must contact our assistance service as soon as possible.

In this case, we will pay the hospitalisation costs directly.


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

From which expenses can a refund be claimed ?

For a new declaration :

Depending on the type of subscribed contract and its applicable options :
- the medical expenses, after the Health insurance fund intervention (Mutuelle),

- the towing costs,

- the locksmith fees,

- the damage costs to the rented vehicle (CDW warranty),

- the luggage costs (luggage insurance),

- the trip cancellation before departure (cancellation insurance),

- the trip change before departure (cancellation insurance),

- the trip interruption after departure.

As part of your assistance file :

All guaranteed costs related to your assistance file (medical costs, transport costs, towing costs, hotel costs, telephone costs with our company, etc...).

You show the symptoms of the Covid-19 disease or you are a carrier of the virus and you are abroad. Are you covered?

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.

What should I do if I get infected by the Covid-19 abroad?

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).


What if I am unable to return to Belgium because of an enforced quarantine or lockdown abroad or an infection by the Covid-19?

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.

Am I covered for medical assistance and medical expenses abroad in case of Covid-19?

Yes.

If you get ill abroad (including because of Covid-19), Europ Assistance will assist you and follow up your case based on the medical report of the attending doctor. We will reimburse medical expenses in accordance with the assistance formula you have subscribed to, after our doctor has examined your file. 
However, we must always act in accordance with the decisions and rules of the local authorities (such as those relating to the access of the territory or local medical care) and health regulations imposed by the competent authorities (e.g. a period of quarantine or isolation, tests, health protocols, etc).


If you travel to a country or region subject to a travel ban (imposed by local authorities or the Ministry of Foreign Affairs), you will not be eligible for medical assistance or intervention in the reimbursement of medical expenses. The same applies to non-essential travels when such trips are prohibited.  



You have been quarantined abroad. After a few days you test positive. Is your stay in quarantine prior to the positive diagnosis considered a period of illness by the travel assistance insurance?

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.

Will Europ Assistance intervene if I or my travelling companion are quarantined because there is a risk that we are infected with Covid-19 or if the contact tracing requires us to quarantine ourselves?

No.

You will not be covered if the quarantine is prompted by the mere fact that you have been in contact with a positive case (as long as the PCR test is negative).


Yes.

On the other hand, if you have contracted Covid-19 (positive PCR test), the quarantine period will be covered. You will then have to be able to provide us with a medical certificate.

You remain in quarantine abroad, but you do not have enough medicines essential to your health that have been prescribed by your doctor until the end date of your stay.

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.

What if the PCR test of myself or my travelling companion is negative before departure, but turned positive during the trip?

The intervention is acquired once the insured can present a medical certificate based on a positive PCR test.


Will EA reimburse the PCR test performed before or during my trip?

Yes.

Travel assistance contracts cover the cost of PCR tests to the extent that they are an integral part of a medical assistance benefit (early return for medical reasons or medical repatriation).


No.

PCR tests are not reimbursed in travel cancellation policies because they are considered pre-departure medical consultations.