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Europ Assistance


Main guarantees

  • repatriation of the injured or ill person and their travel companions
  • unlimited reimbursement of medical expenses abroad
  • early return in case of hospitalization or death of a relative in Belgium
  • €15,000 search and rescue costs
  • reimbursement of unused travel days in case of early return as well as sports lessons or sports equipment
  • coverage of damage to the rental car up to €2,000
  • NoGo cancellation insurance included (private and business trips)
  • luggage insurance included
  • capital in case of permanent disability or death after an accident abroad: max. €12,500
  • compensation or reimbursement for the replacement of personal or rented sports equipment in case of theft, loss or damage
  • possibility to cover your grandchildren travelling with you


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This product sheet contains the main services and is not contractual. For details of the services, refer to the general conditions of this contract.

The benefits of this insurance in detail

The benefits of this insurance in detail

Insurance Limits VIP Assistance
  • Contract valid for 1 year for any uninterrupted stay from 1 day to 3 consecutive months
  • The persons included in the contract, domiciled and habitually residing in Belgium are covered
  • Geographical coverage according to the chosen zone: Europe or World
  • Attention: The scope of our services may be limited in some countries. More information: https://www.europ-assistance.be/territorial-limitations
Medical assistance
  • Repatriation of the injured or ill person with an insured travel companion of their choice
  • Unlimited medical expenses abroad paid
  • If necessary, we send a Europ Assistance doctor on site
  • €15,000 search and rescue costs on the continent (mountain, desert, on and off ski slopes ...) and in territorial waters
  • Capital in case of disability or death after an accident abroad: €12,500
Coverage of insured individuals travelling with you
  • We organize and pay for the return of other insured individuals
  • Return of children, grandchildren or great-grandchildren to Belgium with an accompanying person
  • Organization of the return to Belgium of pets (dogs, cats) accompanying you
Reconnection with your relatives
  • If one of your relatives in Belgium must be hospitalized or dies, we organize and pay for your early return.
  • We organize and pay for the transportation of a relative from Belgium to visit you if you are hospitalized abroad for a period of more than 5 days.
  • Transportation of both parents to visit a child hospitalized abroad.
Incident in your home
  • We organize and pay for your return if your home in Belgium is seriously damaged when you are abroad
  • We assist with your relocation and guarding of your home if it has become uninhabitable following serious damage
  • We send a locksmith in case you lose your keys
Travel concerns
  • Coverage of material damage to the rental vehicle
  • Sending of basic necessities in case of loss or theft of luggage
  • Money quickly made available for assistance abroad
  • Sending glasses and essential medication that you cannot find abroad
  • Assistance in case of legal proceedings abroad
  • Assistance in case of loss or theft of travel documents and tickets abroad
Advice service
  • We can help you to organize the practical details of your trip by informing you about visas, mandatory vaccinations, climate, means of transport, health precautions...
  • Our blog is updated daily with this type of information.
Natural disasters
  • Coverage of the extension of the stay if you do not have the possibility to return from your holiday on the planned date
  • Coverage of costs for accommodation, lunch and transportation from/to the airport or train station up to €150/day for the first insured individual, €50/day for the other insured individuals, up to a maximum of 5 days per covered event

  • Natural disasters covered: volcanic eruption, strong gusts of wind, torrential rains, floods, overflowing rivers, hurricane
Travel compensation
  • Reimbursement of unused days in case of interruption of your holiday due to certain hazards (early return due to illness for example)
  • The guarantee can never exceed the insured amount with a maximum of €2,500 per insured person per trip and a maximum of €12,500 for all insured persons
  • Ski lift package up to a maximum of €250 for all insured individuals and a ski lesson package of more than 4 days up to a maximum of €250 for all insured individuals that could not be used following early repatriation.
Sporting activities
  • Reimbursement of unused sports lessons and the rental cost of sports equipment in case of theft or damage
  • Reimbursement of the rental cost of sports equipment in case of loss, theft or damage to personal or rented equipment
  • Reimbursement of unused ski lift passes, sports lessons and/or rental cost for sports equipment
Luggage insurance
  • Coverage of luggage and personal effects in case of theft, damage and loss for a maximum of €2,000 per trip in the individual formula, €4,000 in Couples and €6,000 in Family
  • In case of delay, we reimburse the purchase of basic necessities up to €500 per insured individual
  • Coverage in the event of damaged luggage following an accident to the transport vehicle, a theft or a fire
  • Certain valuable precious objects such as mobile phones, smartphones, laptops, cameras, jewellery are only covered against theft
Amounts guaranteed in case of cancellation
  • €2,500 per person per trip and up to €20,000 per subscription year for all insured individuals to cover the costs of cancellation, modification and compensation in case of interruption of the trip
  • €75 bonus in case of modification of the dates of stay
Reasons for cancellation
  • Health problem: you or a relative is a victim of illness including pre-existing illness, accident, death, pregnancy complications or emergency organ transplant.
  • Events upsetting your daily life:

    • economic redundancy
    • withdrawal of your vacation by your employer due to the medical incapacity of your replacement
    • a new work contract
    • a re-examination
    • a home jacking
    • major damage to your home or your vehicle
    • divorce or de facto separation
    • delay in boarding after a breakdown or an accident
  • visa refused
  • impossibility to administer necessary vaccines
  • being called up for jury duty
  • summons for the adoption of a child
Trips covered in case of cancellation
  • Your private or professional trip or stay from €150, both abroad regardless of the duration and in Belgium from 3 nights
  • All booking methods:
    • booking a ticket via internet
    • booking accommodation through an agency
    • car reservation by phone...
  • All tickets: plane, car, train, boat, ...
  • All accommodation types: hotels, rentals, vacation homes
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