Protections Travel Insurance Travel insurance (Reisbijstand Tijdelijk)

Reimbursement of medical, surgical and pharmaceutical costs incurred abroad due to unexpected illness or accident. The policy covers unlimited medical costs (net of social security reimbursements). A EUR 25 deductible per insured per claim applies. For the Standard tier, coverage is up to EUR 125,000; for VIP or annual policy, it is unlimited.

Touring intervenes up to EUR 1,000,000 per insured for the entire coverage period for surgical and hospitalisation costs, emergency dental care (up to EUR 250 per claim), terminal or serious chronic illnesses (first manifestation only), and related costs. Deductible: EUR 25 per insured per claim.

Surgical and hospitalisation costs are covered up to EUR 1,000,000 per insured per coverage period (Editie 01/07/2023 T&Cs). Additionally, a daily hospitalisation compensation of EUR 50 per night (up to EUR 600) is paid if hospitalisation lasts at least 3 nights. Deductible EUR 25 per claim per insured.

Outpatient medical costs (without hospitalisation) are covered within the overall medical expenses limit of EUR 1,000,000 per insured. For ambulatory costs above EUR 250 per insured, a medical report must be submitted to Touring's advisory physician. Deductible EUR 25 per claim.

Emergency dental costs due to accident are reimbursed up to EUR 500; urgent dental care due to an acute crisis is covered up to EUR 250 per insured per claim. Prostheses are not covered. No repatriation is granted for dental reasons alone.

Local transport costs (ambulance if medically required) to the nearest doctor or hospital are covered. Touring organises and covers repatriation transport by ambulance, train, helicopter, scheduled flight, charter or hospital aircraft as determined by Touring's doctor. Transport of insured companions is also included. Unlimited repatriation coverage.

When hospitalised abroad due to accident or serious illness and medical repatriation is justified by Touring's doctor, Touring organises and funds evacuation from the foreign hospitalisation site to the insured's residence or a nearby hospital. Touring reserves the right to choose mode and timing within 72 hours of hospital discharge.

Touring organises and funds the repatriation of mortal remains from the foreign hospital or funeral parlour to the family-designated location in the country of residence, including embalming costs and administrative formalities abroad. Coffin costs are covered up to EUR 785 (Editie 01/07/2023 T&Cs) or EUR 1,500 (AV 2022) per insured. If buried or cremated abroad, up to EUR 1,500 is covered for coffin/urn, local transport, cremation/burial, urn repatriation, and one return ticket for a 2nd-degree family member.

The company reimburses search and rescue costs incurred by official emergency services abroad, following consultation with and agreement of the company, to secure the life or physical integrity of the insured in the event of an accident or disappearance.

The policy explicitly excludes events related to epidemics, pandemics, quarantine and lockdown among its general exclusions. However, the insured retains coverage for up to 14 days if surprised by such events during a trip already underway. COVID-19 is not a specifically covered peril.

Pre-existing conditions are generally excluded. However, they are covered if: (1) there is medical evidence that an external cause produced a sudden change in the illness picture, (2) there is no causal link between the pre-existing condition and the claim, or (3) for cancellation: the treating physician confirms no contraindication to travel at the time of booking and contract conclusion. For the 01/07/2023 T&Cs, a pre-existing illness is covered if it is stable at departure (no change in treatment, no hospitalisation, no worsening, and no medical contraindication confirmed by a doctor's report).

Cross-country skiing, alpine skiing and snowboarding on designated pistes are always covered. Off-piste skiing and snowrafting are covered if organised and supervised by a professional recognised organisation. Ski pass and lessons refund up to EUR 250 (AV 2022) or EUR 200 per insured per stay (01/07/2023 T&Cs) if unable to ski due to illness or accident. Broken ski/snowboard covered up to EUR 250 per insured. Mountain search and rescue covered up to EUR 5,000 for all insureds (01/07/2023 T&Cs). Bobsleigh, ski jumping, combat sports and hunting remain excluded at all times.

When organised and supervised by a professional recognised organisation, the following are covered: deep-sea diving with autonomous breathing apparatus up to 18 metres, alpinism, canyoning, speleology, bungee jumping, white water and sea rafting, hydrospeed, off-road driving (4x4, enduro, quad), motorcycling >50cc, mountain biking, hot air ballooning, ULM, hang-gliding, parachuting, paragliding and gliding. Always excluded: sports practised professionally, for remuneration or in competition; bobsleigh, ski jumping, combat sports and hunting.

Pregnancy is not considered an illness. Complications or problems during pregnancy up to week 28 may be covered for travel assistance purposes if arising unexpectedly. From 28 weeks of pregnancy, the policy explicitly excludes related events. For cancellation, serious unexpected complications during pregnancy are a covered event. Voluntary termination of pregnancy is excluded.

Covers the insured worldwide up to EUR 125,000 against civil liability consequences for bodily injury and/or material damage caused to third parties during the insured trip. Material damage caused by fire, explosion, smoke or water to temporary accommodation premises is also covered, after exhaustion of existing home/family insurance. Deductible: EUR 125 per claim per insured.

If the insured is prosecuted abroad following a traffic accident, the insurer covers attorney fees up to EUR 1,250 (AV 2022) or EUR 2,500 per file (01/07/2023 T&Cs). Criminal bail is advanced up to EUR 12,500 (AV 2022) or EUR 25,000 (01/07/2023 T&Cs). Legal consequences in the country of residence are not covered.