Europ Assistance Belgium (Belgian branch of Europ Assistance SA)
Europ Assistance
Europ Assistance is a travel insurance for the Belgium market with online purchase and 24/7 assistance.
Direct payment
Not explicitly detailed in the available documents; the insured must generally provide proof of expenses and is reimbursed, while Europ Assistance directly organizes and settles services such as repatriation and medical transport.
Geographic scope
Europe by default (Europe SMART formula), extendable to worldwide coverage with the optional World SMART formula
Europe SMART covers the countries listed under the optional mobility assistance cover plus Cyprus, Madeira, Malta and the Canary Islands; World SMART covers the whole world. Countries in a state of war, under international sanctions, subject to a government travel ban, or that refuse entry to the insured's nationality are excluded, including North Korea, Syria, Iran, Venezuela, Myanmar, Afghanistan, Belarus, Russia and the Russian-annexed Ukrainian regions (Crimea, Donetsk, Luhansk, Zaporizhzhia, Kherson).
Unique selling points
- Medical expenses abroad are reimbursed up to €750,000 in Europe and up to €1,250,000 worldwide, well above many standard travel policies.
- Ski assistance for both on- and off-slope accidents is built into the base annual contract rather than sold as a separate add-on.
- The policy extends the insured's stay abroad (accommodation, meals, transport) if a natural disaster disrupts the trip.
- A single annual contract covers an unlimited number of trips of up to 3 months each, avoiding the need to buy a new policy for every trip.
- Policyholders can reach Europ Assistance's support centre 24/7 by phone or email for any medical, travel or vehicle emergency.
Coverage limits
Medical expenses abroad
€750,000 – €1,250,000
Reimbursement of medical expenses paid abroad, up to €750,000 per insured person per claim under the Europe SMART formula and up to €1,250,000 under the World SMART formula, after intervention of the insured's mutual/health insurance.
Emergency medical treatment abroad
€750,000 – €1,250,000
Emergency medical treatment abroad is covered under the same overall medical expenses ceiling of €750,000 (Europe SMART) or €1,250,000 (World SMART) per insured person per claim.
Hospitalization abroad
€750,000 – €1,250,000
Hospitalization costs are not separately capped and are covered within the overall medical expenses ceiling of €750,000 (Europe SMART) / €1,250,000 (World SMART). Hospital visits are also covered if hospitalized without a companion for at least 5 days (adults).
Outpatient treatment abroad
€750,000 – €1,250,000
Outpatient medical treatment abroad is not separately capped and falls within the overall medical expenses ceiling of €750,000 (Europe SMART) / €1,250,000 (World SMART).
Medical transport / repatriation
Covered
Transport home of the insured is covered in case of force majeure or of a sick/injured insured and an accompanying insured person, with no specific euro ceiling stated in the IPID.
Medical evacuation assistance
Covered
Assistance to persons in case of illness, bodily injury, death or natural disaster while traveling is included, with the assistance centre organizing evacuation/return; no specific euro ceiling is stated for this benefit itself in the IPID.
Repatriation in case of death
€850 – €1,500
Repatriation in case of death is covered; the coffin/funeral urn costs specifically are capped at €850 in Belgium and €1,500 abroad. The repatriation transport itself is not separately capped in the IPID.
Search and rescue costs (ski)
€6,000
Reimbursement of search and rescue costs in case of an accident on or off ski slopes, up to a maximum of €6,000.
Pre-existing medical conditions
Excluded
Pathological conditions known before departure, in a treatment phase presenting a real risk of rapid worsening, or not stabilized for at least 2 months, are excluded, as is repatriation for organ transplant.
Winter sports / ski assistance
Conditional
Ski assistance is included for accidents on and off marked ski slopes, but off-piste accidents are only covered if the insured is accompanied by an instructor from an organization accredited for off-piste skiing.
Adventure / extreme sports cover
Conditional
Extremely dangerous sports are excluded from cover unless practiced with, or accompanied by, a person with professional training in that sport.
Pregnancy-related travel restriction
Conditional
Air travel during pregnancy beyond 28 weeks is excluded, except where written authorization has been given by the treating gynaecologist.
Personal liability abroad
No limit stated
Not addressed in the available documents for this product.
Legal assistance abroad
€1,250
Advance of lawyer's fees up to €1,250; advance of penal bail up to a maximum of €12,500.
24/7 assistance line
Covered
Europ Assistance provides 24/7 support by phone or email for medical, travel and vehicle assistance claims.
Key conditions
Assistance call deadline
In case of illness or injury, the insured must first call local emergency services and then provide Europ Assistance with the local treating doctor's details, consulting the assistance centre as soon as possible before taking any measures related to the claim.
Unauthorized treatment
Not specified in the available documents.
Purchase while abroad
Not specified in the available documents.
Chronic conditions
Pathological conditions known before departure that are in a treatment phase with a real risk of rapid worsening, or not stabilized for at least 2 months, are excluded from cover.
Pregnancy
Air travel is excluded for pregnancies beyond 28 weeks, unless the treating gynaecologist has given written authorization.
Pre-existing condition exclusions
Pathological conditions known prior to travel, in an advanced treatment phase with real risk of rapid worsening, or not stabilized for at least 2 months, are not covered.
Coverage duration limit
The annual contract runs for 1 year with tacit renewal, but assistance abroad (for persons and vehicle) is limited to a maximum of 3 consecutive months per trip.
Where to buy
Policy specifics
Booking lead time requirement
Trip must be booked more than 30 days after contract effective date for cancellation coverage
SourceVehicle breakdown exclusion period
Technical car breakdown issues occurring within 5 days after contract effective date are not covered
SourcePre-existing medical conditions exclusion
Pathological states known prior to travel are not covered
SourceHealth insurance requirement for medical coverage
Medical coverage limited to €1,240 without health insurance
Source