BNP Paribas Fortis Travel insurance (Touring Traveller Full Family Full)
Underwritten by AG Insurance · Belgium
travel insurance from BNP Paribas Fortis for the Belgium market, with online purchase and 24/7 assistance.
Verified Aug 27, 2026 · Terms dated 2023-07-01Sources
Key facts
- Medical transport up to €500
Unique selling points
Medical expenses abroad are reimbursed without any monetary cap and without a deductible.
24/7 access to an international medical assistance network relying on 12,000 assistance vehicles, 70 helicopters and 8 air ambulances.
Backed by more than 60 years of experience in travel assistance.
The policy can be purchased and takes effect immediately online.
Ski accident search-and-rescue costs are covered up to €15,000.
Coverage limits
Medical expenses abroad
unlimited
Touring intervenes without monetary limit for surgical and hospitalization costs abroad, after exhaustion of the benefits the insured is entitled to from social security for the same risks. If the insured is not in good standing with their mutual health insurer, the intervention is capped at €1,250 per claim and per insured for medical, surgical, pharmaceutical and hospitalization costs.
Section: 2. Assistance aux personnes à l'étranger > 2.1. Prestations garanties > 2.1.2. Intervention en cas de maladie ou d'accident
Touring intervient de manière illimitée dans les prestations définies ci-après, après épuisement des indemnités auxquelles l'assuré peut prétendre pour les mêmes risques auprès de la Sécurité sociale
Emergency medical/surgical treatment abroad
unlimited
Emergency medical and surgical treatment following an illness or accident abroad is covered without limit, after exhaustion of home social security benefits for the same risk.
Section: 2. Assistance aux personnes à l'étranger > 2.1. Prestations garanties > 2.1.2. Intervention en cas de maladie ou d'accident
Touring intervient de manière illimitée dans les prestations définies ci-après, après épuisement des indemnités auxquelles l'assuré peut prétendre pour les mêmes risques auprès de la Sécurité sociale
Hospitalization costs abroad
unlimited
Hospitalization costs abroad are covered without a monetary cap. Follow-up hospitalization in Belgium after an unplanned medical event abroad is separately capped at €6,000 per insured, for up to 3 months after the discharge date abroad.
Section: 2. Assistance aux personnes à l'étranger > 2.1.3. Frais de soins médicaux en Belgique
En cas d'hospitalisation en Belgique liée à une opération médicale non planifiée ou un accident à l'étranger, Touring intervient dans les frais médicaux, chirurgicaux et hospitaliers en Belgique, à concurrence de € 6.000 au maximum par assuré.
Outpatient/ambulatory treatment
unlimited
Outpatient treatment abroad is covered without a monetary cap as part of the unlimited medical expenses guarantee. Note: follow-up ambulatory medical and pharmaceutical costs incurred in Belgium after an accident/illness abroad are capped at €745 per insured (massage, kinesitherapy and physiotherapy sub-capped at €125), valid for 1 year after the event.
Section: 2. Assistance aux personnes à l'étranger > 2.1.3. Frais de soins médicaux en Belgique
En cas de frais médicaux ambulatoires à la suite d'une opération médicale ou un accident à l'étranger, Touring intervient jusqu'à concurrence de maximum € 745 par assuré (les frais de massage, de kinésithérapie et de physiothérapie sont limités à maximum € 125 par assuré).
Emergency dental care
€250
Urgent dental care by a qualified dentist following an accident or acute crisis abroad is covered up to €250 per insured; dental prostheses are not covered and no repatriation is organized on this basis alone.
Section: 2. Assistance aux personnes à l'étranger > 2.1.2. Intervention en cas de maladie ou d'accident
Les coûts des soins dentaires urgents dispensés par un dentiste qualifié à la suite d'un accident ou d'une crise aiguë, jusqu'à concurrence de € 250 par assuré (les prothèses ne sont pas couvertes). Dans ce cas, Touring ne prévoit pas de rapatriement;
Other medical-related transport costs
€500
The cost of the insured's first transport to hospital is fully covered by Touring. Other transport costs (including hospital visits by other insureds) are covered up to €500 per insured and per claim.
Section: 2. Assistance aux personnes à l'étranger > 2.1.2. Intervention en cas de maladie ou d'accident
Les autres frais de transport (y compris les visites éventuelles à l'hôpital des autres assurés) sont pris en charge à concurrence de maximum €500 par assuré et par sinistre;
Medical repatriation/evacuation
unlimited
In case of hospitalization abroad due to illness or accident, Touring organizes and takes charge of the medically appropriate transport (ambulance, train, helicopter, scheduled or charter flight, or air ambulance) to the insured's home or a nearby hospital, without a stated monetary cap on the transport itself.
Section: 2. Assistance aux personnes à l'étranger > 2.1.1. Rapatriement en cas de maladie ou d'accident
Touring organise son transport par ambulance, train, hélicoptère, avion de ligne, avion charter ou avion sanitaire ou tout autre moyen décidé par le médecin de Touring en fonction de son état médical.
Funeral repatriation
€1.5K
In case of death abroad, Touring organizes repatriation of the body to Belgium; coffin costs are capped at €785 per insured. If the deceased is instead buried or cremated locally, Touring intervenes up to €1,500 total for coffin/urn, embalming, local transport, urn repatriation, a return ticket for one family member, and administrative formalities abroad; funeral, cremation and ceremony costs themselves are not covered.
Section: 2. Assistance aux personnes à l'étranger > 2.1.9. Rapatriement funéraire
Les frais de cercueil sont pris en charge à concurrence de maximum € 785 par assuré. ... Si l'assuré décédé à l'étranger est inhumé ou incinéré sur place, Touring intervient à concurrence de € 1.500 maximum dans les prestations définies ci-après
Search & rescue
€5K – €15K
Clause 2.1.10Page p. 18/40Section: 2. Assistance aux personnes à l'étranger > 2.1.10. Frais de recherche et de sauvetage
Touring intervient, à concurrence de maximum € 15.000 par sinistre et pour l'ensemble des assurés, pour les frais de recherche et les frais de sauvetage, facturés par des organismes officiels de secours.
COVID-19 treatment
No limit stated
COVID-19 is not separately covered; the general exclusion applies to any event occurring in a country affected by a global health crisis (epidemic or pandemic) for which an official negative travel advisory has been published.
Section: 9. Exclusions > 9.1. Exclusions générales
Tout évènement qui se produit dans un pays en guerre, en guerre civile, placé sous loi martiale, touché par des problèmes de santé au niveau mondial (y compris épidémies et pandémies) ou subissant des actes de terrorisme
Pre-existing conditions
Conditional
A pre-existing condition is covered under the unlimited medical guarantee only if it was medically certified as stable (no change in treatment, no hospitalization/aggravation, no medical contra-indication to travel) at the time of booking the trip and/or taking out the contract. Relapses or aggravations of a condition already known before departure are excluded unless the condition was stable on the day of departure.
Section: 1. Dispositions communes > 1.1. Définitions > 1.1.15. Maladie préexistante et maladie stable
Une maladie est considérée comme stable lorsqu'il n'y a pas de changement dans le traitement (para)médical de cette maladie, lorsqu'il n'y a pas eu d'hospitalisation ou d'aggravation et lorsque selon le médecin traitant il n'y a pas de contre-indication médicale pour voyager.
Winter sports (ski) cover
Covered
Ski accident medical costs abroad are covered under the unlimited medical guarantee; follow-up ambulatory/hospitalization costs in Belgium follow the general €745/€6,000 caps. Unused ski pass/lessons of more than 5 consecutive days are reimbursed up to €200 per insured; equipment rental after breakage or theft of skis/boots/poles up to €100 per insured each; lawyer's fees advanced up to €2,500 for third-party claims arising from skiing. Off-piste skiing is only covered if accompanied by an accredited instructor.
Section: 2. Assistance aux personnes à l'étranger > 2.1.20. Garanties ski
Touring intervient à concurrence de maximum € 200 par assuré, pour le skipass et les cours de ski de plus de 5 jours consécutifs qui n'ont pu être utilisés
Adventure/extreme sports cover
Excluded
Aerial sports, motorsports, bobsleigh, mountaineering/climbing off marked trails, kitesurfing, scuba diving, canyoning, bungee jumping, caving, combat sports, big-game hunting, speedriding, downhill, car-surfing, and any sport practised in competition or speed events are excluded, as are variants of these activities.
Section: 9. Exclusions > 9.2. Exclusions particulières > 9.2.1. Exclusions particulières relatives à la garantie Assistance aux personnes
Les sports aériens, les sports motorisés, le bobsleigh, l'alpinisme, l'escalade, le ski hors-piste (sauf si l'assuré est accompagné d'un moniteur de ski agréé)... le kitesurf, la plongée sous-marine, le canyoning, le saut à l'élastique, la spéléologie, les sports de combat
Pregnancy complications
Conditional
Serious complications during pregnancy may be assimilated to an accident and are covered on that basis; however, pregnancies beyond 28 weeks, childbirth and its consequences are excluded, except for serious complications, and voluntary termination of pregnancy is also excluded.
Section: 9. Exclusions > 9.2. Exclusions particulières > 9.2.1. Exclusions particulières relatives à la garantie Assistance aux personnes
Les grossesses de plus de 28 semaines (dans un souci de bien-être de la mère et de l'enfant à naître), les accouchements et leurs conséquences, à l'exception des complications graves; Les interruptions volontaires de grossesse;
Personal liability abroad
No limit stated
Personal liability is not covered by Touring Traveller Full/Family Full.
Legal assistance / lawyer's fees advance
€2.5K
If prosecuted abroad following a road accident, Touring advances the criminal bail up to €25,000 per case and lawyer's fees up to €2,500 per case; a separate advance of lawyer's fees up to €2,500 applies for third-party claims arising from skiing.
Section: 2. Assistance aux personnes à l'étranger > 2.1.17. Caution de mise en liberté
Dans ce cas, Touring intervient également pour les honoraires d'avocat à concurrence de maximum € 2.500 par dossier.
24/7 assistance line
Covered
A dedicated medical assistance line (+32 2 233 23 45) is available 24 hours a day, 7 days a week, backed by an international network of medical responders.
Section: 8. Faire appel à Touring et obligations en cas de sinistre > 8.1. Coordonnées générales
Pour de l'assistance en cas de problème médical: Par téléphone : +32 2 233 23 45 (24h/7)
Key conditions
Assistance call deadline
In case of illness/accident abroad, Touring's medical assistance centre must be notified within 24 hours (except in case of force majeure). In general, any claim must be reported to Touring in writing as soon as possible, and in any case within 7 days.
Unauthorized treatment
Costs incurred by the insured without Touring's prior agreement are excluded, unless otherwise provided in the contract.
Purchase while abroad
Not specifically addressed in the general conditions; the contract's guarantees take effect on the date fixed in the special conditions, provided the first premium has been paid, implying the policy is meant to be in force before the covered trip begins.
Chronic conditions
Terminal illnesses and severe chronic illnesses are covered only in the event of a first manifestation during the trip.
Pregnancy
Pregnancy itself is not considered an illness. Serious complications may be treated as an accident and covered, but pregnancies beyond 28 weeks, childbirth and its consequences are excluded except for serious complications, and voluntary termination of pregnancy is excluded.
Pre-existing condition exclusions
A pre-existing condition is covered only if medically certified as stable (no treatment change, no hospitalization/aggravation, no medical contra-indication to travel) at the time of booking the trip and/or subscribing the contract; otherwise relapses/aggravations known before departure are excluded.
Coverage duration limit
Cover applies to continuous stays abroad of up to 3 months; any event occurring after the first 3 months of a continuous stay abroad is excluded.
Direct payment
Touring generally organizes and directly settles hospitalization, surgical and repatriation costs abroad with local providers via its 24/7 medical assistance centre, without upfront payment by the insured; ambulatory, dental and other ancillary expenses are usually advanced by the insured and reimbursed afterwards upon submission of original supporting documents.
Territorial scope
Personal assistance benefits apply worldwide except Belgium; benefits are only granted if the covered event occurs in one of the covered countries. The optional vehicle breakdown assistance is valid in EU countries plus Albania, Andorra, Belarus, Bosnia-Herzegovina, Guernsey, Åland Islands, Isle of Man, Iceland, Jersey, Kosovo, Liechtenstein, Montenegro, North Macedonia, Moldova, Monaco, Norway, United Kingdom, San Marino, Serbia, Switzerland, Ukraine and Vatican, excluding Belgium; vehicle benefits are excluded in the Canary Islands, Madeira, Ceuta, Melilla, Turkey and French overseas territories.
Documents
General Terms and Conditions (French), Edition 01/07/2023 (opens in a new tab)
Terms & conditions · PDF
General Terms and Conditions (Dutch), Edition 01/07/2023 (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document (French) (opens in a new tab)
Product information sheet · PDF
Traveller & Family Full - benefits information sheet (French) (opens in a new tab)
Table of benefits · PDF
Policy specifics
Medical expenses abroad
Reimbursement of outpatient costs, dental costs, subsistence costs (if stay extended), transport costs.
SourceSection: Basic cover (assistance to individuals abroad): the scope of your cover > Main risks covered
reimbursement of medical expenses such as outpatient costs, dental costs, subsistence costs (if your stay has to be extended) and transport costs
Medical repatriation
Repatriation of traveller suffering from illness or accident, including travel companion repatriation
SourceSection: Basic cover (assistance to individuals abroad): the scope of your cover > Main risks covered
medical repatriation in the event of illness or accident
Early return to Belgium for family death or hospitalization
Coverage for early return to Belgium in event of death or hospitalization of family member, or serious damage to home
SourceSection: Basic cover (assistance to individuals abroad): the scope of your cover > Main risks covered
early return to Belgium in the event of death or hospitalisation of a family member, or serious damage to your home
Ski accident coverage
Reimbursement of expenses in event of skiing accident on or off-piste, including search and rescue costs up to €15,000, reimbursement of unused ski lessons, ski passes and damaged/stolen ski equipment
SourceSection: Create your own annual travel insurance policy
Reimbursement of expenses in the event of a skiing accident on or off-piste, including search and rescue costs up to €15,000 Reimbursement of unused ski lessons, ski passes and damaged or stolen ski equipment
Flight delay/cancellation compensation (Fly Zen)
Compensation in event of flight delay, cancellation, denial of boarding or overbooking (Fly Zen feature)
SourceSection: Create your own annual travel insurance policy
Fly Zen: compensation in the event of delay, cancellation, denial of boarding or overbooking
Vehicle assistance in Belgium
Vehicle breakdown assistance and towing with replacement vehicle for up to 5 days in Belgium
SourceSection: Create your own annual travel insurance policy
Vehicle assistance and passengers in Belgium: breakdown and towing with replacement vehicle for up to 5 days
Maximum continuous stay duration
Coverage applies to continuous stays of up to 3 months; stays beyond 3 months may require separate extended coverage application
SourceClause 9.1Page p. 36/40Section: 9. Exclusions > 9.1. Exclusions générales
Tout sinistre survenu au-delà des 3 premiers mois du séjour à l'étranger;
Pre-existing conditions and 30-day waiting period
Coverage for pre-existing medical conditions requires medical certification of stability; 30-day waiting period applies for newly added family members/children
SourceClause 1.2.1.3Page p. 8/40Section: 1. Dispositions communes > 1.2. Généralités > 1.2.1. Parties concernées > 1.2.1.3. Assurés
En cas d'ajout d'un assuré, un délai d'attente de 30 jours pour la couverture entre en vigueur. Ce délai commence à courir dès que l'Assureur a connaissance de ce fait.
Event exclusion after first 3 months of stay
Events occurring after the first 3 months of continuous stay abroad are not covered
SourceSection: Basic cover (assistance to individuals abroad): the scope of your cover > Main exclusions
any event occurring after the first three months of a stay
Pre-known events exclusion
Events already known before policy was taken out and/or before departure for foreign trip are not covered
SourceSection: Basic cover (assistance to individuals abroad): the scope of your cover > Main exclusions
any event already known before the policy was taken out and/or before you left for a foreign trip
Non-coverage for legal violations
Events directly or indirectly related to non-compliance with applicable legislation are not covered
SourceSection: Basic cover (assistance to individuals abroad): the scope of your cover > Main exclusions
any event directly or indirectly related to non-compliance with applicable legislation
Annual policy with tacit renewal
Policy valid for 1 year and renews automatically by tacit agreement unless cancelled at least 3 months (or 2 months from October 1, 2024) before renewal date
SourceSection: Annual travel insurance with Touring by AG
The policy is valid for 1 year, at the end of which it will be renewed by tacit agreement for the same period, except where it is cancelled at least three months before the renewal date. For a policy taken out or renewed by tacit agreement on or after 1 October 2024, you have until two months before the renewal date to cancel it.
Sources
- bnpparibasfortis.behttps://www.bnpparibasfortis.be/en/public/individuals/insurance/travel-insurance/annual(opens in a new tab)
- touring.behttps://www.touring.be/sites/default/files/2023-07/Touring%20Traveller%20Full%20-%20Family%20Full.pdf#page=15(opens in a new tab)
- touring.behttps://www.touring.be/sites/default/files/2023-07/Touring%20Traveller%20Full%20-%20Family%20Full.pdf#page=16(opens in a new tab)
- touring.behttps://www.touring.be/sites/default/files/2023-07/Touring%20Traveller%20Full%20-%20Family%20Full.pdf#page=18(opens in a new tab)
- touring.behttps://www.touring.be/sites/default/files/2023-07/Touring%20Traveller%20Full%20-%20Family%20Full.pdf#page=19(opens in a new tab)
- touring.behttps://www.touring.be/sites/default/files/2023-07/Touring%20Traveller%20Full%20-%20Family%20Full.pdf#page=20(opens in a new tab)
- touring.behttps://www.touring.be/sites/default/files/2023-07/Touring%20Traveller%20Full%20-%20Family%20Full.pdf#page=32(opens in a new tab)
- touring.behttps://www.touring.be/sites/default/files/2023-07/Touring%20Traveller%20Full%20-%20Family%20Full.pdf#page=36(opens in a new tab)
- touring.behttps://www.touring.be/sites/default/files/2023-07/Touring%20Traveller%20Full%20-%20Family%20Full.pdf#page=37(opens in a new tab)
- touring.behttps://www.touring.be/sites/default/files/2023-07/Touring%20Traveller%20Full%20-%20Family%20Full.pdf#page=6(opens in a new tab)
- touring.behttps://www.touring.be/sites/default/files/2023-07/Touring%20Traveller%20Full%20-%20Family%20Full.pdf#page=8(opens in a new tab)
BNP Paribas Fortis Travel insurance