Coronavirus

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 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.

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.  

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.

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.

Yes.

Covid-19 is a disease. Based on a medical certificate (positive PCR test), the insured can invoke the covered event providing for the cancellation of the trip due to illness.

No. 

The presence of an illness at the destination is not a covered event.

No.

A travel ban is not a covered event of travel cancellation insurance.

In any case, we recommend that policyholders contact their tour operator or travel agency to enquire about their conditions for cancelling, postponing or changing the trip. Please also refer to the website of the Belgian Ministry of Foreign Affairs.

In this case, the insured will have to undergo a PCR test. If the result of the test is positive, he/she will have to apply for a medical certificate that will allow him/her to activate the travel allowance.

You will need to contact your tour operator, carrier and/or accommodation provider to request cancellation, modification or postponement of the trip. Indeed, in the event of a negative travel advice and in accordance with the legislation, travel agents must allow their clients to cancel their trip free of charge if it is affected by exceptional circumstances (such as an epidemic). The same applies if you have to travel to an area without an epidemiological risk, but with a stopover in an area considered a risk by the local health authorities for the Covid-19.

For high-risk zones, only zones or areas for which the FPS Foreign Affairs has issued a negative travel advice regarding the Covid-19 at the time the trip is undertaken and on condition that this advice was issued after the date of the trip reservation are considered

Yes.

Travel insurance covers visits to a person hospitalised abroad for more than 5 days (or shorter in certain contracts or if the person is a child under 18).

No.

A visit to a non-hospitalised person in quarantine is not covered (and is not recommended for health reasons).

A contribution to the cost of extending the stay at the hotel only applies if this extension is imposed on the sick person by doctor's order (positive PCR test). The intervention amounts to a maximum of EUR 500 per sick person and applies if the sick person cannot return to Belgium on the originally scheduled date.

From August 12020, travellers returnong to Belgium have to fill in a Passenger Locator Form at least 48 hours before the return.

You can find the form at this site::

https://travel.info-coronavirus.be/public-health-passenger-locator-form

Information about the colour codes and for the latest update of the travel advice of the Belgian government, please consult:

https://diplomatie.belgium.be/en/travel-advice

We also advise you to register your trip on the website:

https://travellersonline.diplomatie.be/

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").

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.

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.

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

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.