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| Feature / category | Protections Travel Insurance May 9, 2026 Open details | AXA May 9, 2026 Open details | Belfius Direct Assurances May 9, 2026 Open details | Ethias May 9, 2026 Open details |
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| Overview | ||||
Insurer | AG Insurance NV | AXA Belgium SA | Belfius Insurance SA | Ethias SA |
Online purchase | Yes | No | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Starting price | €3 | — | — | €100 |
Billing basis | per_trip | annual | annual | annual |
Unique selling points |
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IPID | IPID | IPID | IPID | IPID |
Terms & conditions | ||||
| Coverage | ||||
Medical expenses | €125,000 | €1,250,000 | Not available | €500,000 |
Medical transport | Covered | Covered | Not available | Covered |
COVID-19 treatment | Excluded | €1,250,000 | Not available | Covered |
Personal liability | €125,000 | Excluded | Not available | Excluded |
Emergency dental | €500 | — | Not available | €125 |
Search & rescue | €5,000 | Not offered | Not available | €6,250 |
Legal assistance | €2,500 | Excluded | Not available | €12,500 |
Emergency medical treatment | €1,000,000 | €1,250,000 | Not available | €500,000 |
Hospitalization | €1,000,000 | €1,250,000 | Not available | €500,000 |
Outpatient treatment | €1,000,000 | €1,250,000 | Not available | €1,250 |
Medical evacuation | Covered | Covered | Not available | Covered |
Repatriation of remains | €1,500 | Covered | Not available | €750 |
Pre existing conditions | 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). | Excluded | Not available | Excluded |
Winter sports cover | Covered | Optional | Not available | €125 |
Adventure sports cover | 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. | Optional | Not available | Explicitly excluded: assistance or compensation for an insured participating as a competitor in any motorized competition (race, rally). General sports and outdoor activities are not mentioned as excluded (only motor sport competition is explicitly excluded), so standard medical coverage applies to non-competitive sports. |
Pregnancy complications | 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. | Covered | Not available | Pregnancy is not covered as a standard physiological state; costs for diagnosis or treatment of pregnancy are excluded unless there is a clear and unforeseeable complication. Normal pregnancy is not grounds for repatriation. Childbirth costs and voluntary termination of pregnancy are explicitly excluded. Only in case of a clear and unforeseeable complication are medical costs and potential repatriation covered. |
Medical expenses abroad | Not available | Not available | €1,000,000 | Not available |
Emergency medical evacuation | Not available | Not available | Covered | Not available |
Repatriation | Not available | Not available | Covered | Not available |
Search rescue costs | Not available | Not available | €7,500 | Not available |
Baggage loss theft | Not available | Not available | Optional | Not available |
Trip cancellation | Not available | Not available | Excluded | Not available |
Trip interruption | Not available | Not available | Covered | Not available |
Vehicle assistance belgium | Not available | Not available | Covered | Not available |
Vehicle assistance abroad | Not available | Not available | Optional | Not available |
Bicycle assistance | Not available | Not available | Covered | Not available |
Dental care abroad | Not available | Not available | €250 | Not available |
Legal assistance abroad | Not available | Not available | Covered | Not available |
Cash advance abroad | Not available | Not available | €2,500 | Not available |
Visitor to hospitalized | Not available | Not available | Covered | Not available |
Ski pass refund | Not available | Not available | €250 | Not available |
Pet care abroad | Not available | Not available | €65 | Not available |
Psychological assistance | Not available | Not available | Covered | Not available |
Home assistance belgium | Not available | Not available | Covered | Not available |
Boost formula | Not available | Not available | Optional | Not available |
Rental vehicle damage | Not available | Not available | Optional | Not available |
Document replacement abroad | Not available | Not available | Covered | Not available |
| Key conditions | ||||
Assistance call deadline | In emergencies abroad, the insured must contact Touring (+32 2 286 31 47, 24h/7) as a priority. Touring and/or the agent must be notified within 24 hours of a claim event, except in cases of force majeure. All costs and assistance services are only reimbursable if previously authorised by Touring or the agent. | The extension does not specify an explicit call deadline before seeking treatment; however, the base Daylife Protect assistance conditions apply. Assistance services must be contacted to organise repatriation and other logistics. | Not available | Assistance must be requested during the trip directly through Ethias (Assistance phone line 24/7). Services not requested or organized by or with the agreement of Ethias during the trip do not give rise to retroactive reimbursement or compensation. |
Purchase while abroad | Already-started trips cannot be insured. The travel assistance policy must be taken out at the latest on the day before departure and must cover the entire duration of the trip from the day of departure from the place of residence to the day of return. For the annual policy, coverage for other warranties begins at 0:00 on the departure date and ends at 24:00 on the return date as stated in the confirmation document. | The Students Travel extension must be subscribed before departure or as part of the Daylife Protect contract. Purchasing while already abroad is not confirmed as possible in the official sources. | Not available | The policy cannot be purchased while already abroad. Coverage starts on the day following payment of the first premium and no earlier than the date stated in the special conditions. |
Chronic conditions | Acute or chronic use of drugs, alcohol or substances not prescribed by a doctor constitutes a general exclusion. For travel assistance, existing chronic diseases are generally excluded unless an external cause produced a sudden change in the disease picture, or there is no causal link with the claim. For cancellation, chronic serious diseases are covered if there was no medical contraindication to travel at the time of booking and contract conclusion. | Chronic diseases are not explicitly addressed in the Students Travel extension. The general exclusions of the base Daylife Protect assistance apply, which typically exclude pre-existing or chronic conditions known at time of departure. | Not available | Costs related to the continuation of treatment of a previously known illness are not covered. Relapses of a disease contracted before departure abroad or mental illnesses that were already under treatment are explicitly excluded from reimbursement. |
Pregnancy | Pregnancy is not considered an illness. Pregnancy complications are excluded from travel assistance from 28 weeks of pregnancy onwards. For cancellation, serious unexpected pregnancy complications are a covered event. Trips planned in the last 12 weeks of pregnancy where the pregnancy was unknown at booking may be covered for cancellation. Voluntary termination of pregnancy is always excluded. | Pregnancy and pregnancy-related medical costs are not explicitly covered or excluded within the Students Travel extension document. Coverage would depend on the base Daylife Protect assistance conditions and applicable exclusions. | Not available | Normal pregnancy is not covered. Costs for diagnosis or treatment of pregnancy are excluded unless there is a clear and unforeseeable complication. Childbirth costs and voluntary termination of pregnancy are excluded. Repatriation is not granted for pregnancy states unless a clear and unforeseeable complication arises. |
Unauthorized treatment | Costs and assistance services not requested from or organised/authorised by Touring give no right to any reimbursement. If the insured refuses or delays a medically approved repatriation, cost coverage lapses from the moment of Touring doctor's approval. Failure to comply with obligations allows the insurer to reduce the indemnity by the amount of the prejudice suffered. | The base Daylife Protect assistance exclusions remain applicable. Treatment taken without prior authorisation from or coordination by Inter Partner Assistance may not be covered, particularly for repatriation and organised assistance services. | Not available | Medical costs and assistance services organized without prior approval from Ethias are not reimbursable. Reimbursement of custom duties, taxi and hotel costs incurred without prior approval of Ethias are also excluded. |
Pre existing conditions | Pre-existing conditions are generally excluded from travel assistance. Exceptions apply when an external cause produced a sudden change in the illness picture, or when there is no causal link with the claim. Under the 01/07/2023 T&Cs, a pre-existing illness is covered if stable at departure (no change in para-medical treatment, no hospitalisation, no worsening, and no medical contraindication per a doctor's report). For cancellation, pre-existing conditions are covered if the treating physician confirms no contraindication to travel at booking and contract conclusion. | Pre-existing conditions are not covered under the Students Travel extension. The general exclusions of the base Daylife Protect assistance conditions continue to apply, which typically exclude conditions known prior to departure. | Not available | Pre-existing conditions are explicitly excluded. No coverage for medical situations or conditions known before insurance inception, including continuation of prior treatment, relapses of a disease contracted before departure, or conditions that resulted in hospitalization within the last 6 months or at least 3 relapse episodes with hospitalization in the last 2 years. |
Coverage duration limit | For temporary policies (single-trip): maximum 30 days coverage. For annual policies: maximum 95 consecutive days per trip, extendable by additional 30-day periods upon payment of extra premium, up to a maximum of 1 year total. If the insured must extend their stay for medical reasons, or if the validity period is exceeded due to unforeseen travel delay, the insurance remains in force without extra premium until the first possible return, maximum 31 days. | The Students Travel extension is valid for a maximum continuous period of 12 months abroad. The contract is concluded for one year with tacit renewal; the Students Travel extension terminates automatically after one year. | Not available | For stays abroad exceeding 90 consecutive days, coverage under the annual formula applies only to incidents occurring within the first 90 days of the stay. This limit is extended to 120 days if a WHO-declared pandemic results in border closures on the 90th day. For stays beyond 90 days (or 120 in case of pandemic), the temporary policy must be used. |
Maximum trip duration | Not available | Not available | 90 days | Not available |
Geographical exclusions | Not available | Not available | Countries under government-issued general travel ban or non-essential travel restriction, war zones, and specific permanently excluded countries: Syria, Crimea, Venezuela, Belarus, Iran, North Korea, Russia, Myanmar, Afghanistan, Ukrainian regions annexed by Russia. | Not available |
Pre existing conditions exclusion | Not available | Not available | No coverage for known pre-existing medical conditions at departure that are in treatment phase and present a real risk of rapid deterioration, or not yet consolidated for at least 2 months before travel (APP-NORMALE). Relapse or aggravation of previously known illness also excluded. | Not available |
Trip cancellation not covered | Not available | Not available | Trip cancellation is not covered under the base Assistance insurance. A separate Mastercard cancellation coverage may be available for holders of Belfius Mastercard Gold (Star) under specific conditions. | Not available |
Minimum medical expense threshold | Not available | Not available | Medical expenses under EUR 20 abroad after mutual health insurance deduction are not reimbursed. | Not available |
Excluded sports activities | Not available | Not available | Professional sports and paid competitions excluded. Specific excluded activities: hang gliding (deltaplane), paragliding (parapente), bobsleigh, parachuting, bungee jumping (benji), mountaineering (alpinisme), rally, rafting, canyoning, microlight (ULM), jet-ski, caving (spéléologie). Off-piste skiing covered only if accompanied by certified instructor from approved organization. | Not available |
Assistance center authorization required | Not available | Not available | All assistance, expenses, and services require prior notification and authorization from the assistance center. Unauthorized services are refused except when: insured was taken by ambulance, vehicle towed by police order, or no choice of breakdown operator. Ambulatory medical expenses under EUR 250 (APP-NORMALE) do not require prior notification. | Not available |
Mutual health insurance requirement | Not available | Not available | Medical expenses abroad reimbursed after deduction of mutual health insurance (mutuelle/ziekenfonds) reimbursement. If insured is not affiliated with Belgian mutual health insurance or not in compliance, medical expense coverage is limited to maximum EUR 1,250 per insured. | Not available |
Annual contract renewal | Not available | Not available | Contract concluded for 1 year and tacitly renewed for successive 1-year periods. Can be terminated at least 2 months before annual expiry date (APP-NORMALE). Consumer policyholders may terminate at any time after first year with 2 months notice, without fees or penalties. | Not available |
Belgian residence requirement | Not available | Not available | Policyholder must have principal residence in Belgium. Contract terminates automatically if principal residence moves abroad. | Not available |
| Proof and next steps | ||||
Direct payment policy | The insurer can advance guaranteed costs to the doctor or hospital abroad upon request. Costs below EUR 150 are never advanced. Reimbursement occurs after deduction of social security reimbursements; Touring pays the net balance after health fund intervention, on presentation of their statement and photocopies of original invoices. | AXA reimburses eligible medical expenses after the fact (indemnity basis) subject to the EUR 50 deductible. Repatriation costs are fully covered and organised directly by AXA. There is no confirmed direct-billing network for routine medical treatment abroad. | Medical expenses abroad: insurer advances hospitalization costs to hospital directly if necessary; the insured must reimburse the portion received from their mutual health insurance within 2 months of receiving invoices. For other expenses, the insured advances costs and is reimbursed on presentation of original receipts. Assistance services must be pre-authorized by the assistance center; unauthorized services are not reimbursed except in force majeure cases (ambulance, police towing). | Ethias can pay medical costs either as a direct advance to foreign doctors or hospitals abroad, or reimburse the insured upon return to Belgium on presentation of original supporting documents. All repatriation and medical assistance must be pre-approved by Ethias; services organized without prior approval are not reimbursable. |
Last verified | May 9, 2026 | May 9, 2026 | May 9, 2026 | May 9, 2026 |