P&V Assurances - P&V Verzekeringen CV
P&V
P&V is a travel insurance for the Belgium market with no online purchase and limited assistance availability.
Direct payment
P&V does not describe an end-to-end direct online settlement with hospitals for medical costs abroad; the insurer's own descriptions state that policyholders are reimbursed for medical expenses incurred abroad ('remboursement de vos frais médicaux à l'étranger' / 'terugbetaling van uw medische kosten in het buitenland'). However, for repatriation and related assistance costs (transport of the insured, transport and hotel costs for a family member if hospitalization exceeds 5 days), P&V states it arranges and pays these costs directly ('We zorgen op onze kosten voor... we regelen en betalen het vervoer van een familielid en zijn hotelkosten').
Geographic scope
Not confirmed in the retrieved source text; consult the IPID and Terms & Conditions for the exact territorial scope.
Not confirmed in the retrieved source text; general P&V travel-related exclusions apply to war zones and sanctioned destinations.
Unique selling points
- P&V is a 100% Belgian cooperative insurer founded in 1907.
- P&V reports that 94% of its customers rate its assistance service 9 out of 10.
- P&V offers in-person advice through around 160 local advisor offices across Belgium.
Coverage limits
Medical expenses
No limit stated
Exact limits for medical expenses abroad could not be confirmed from the retrieved P&V Reisverzekering source text.
Emergency medical treatment
No limit stated
Coverage details for emergency medical treatment could not be confirmed from the retrieved source text.
Hospitalization
No limit stated
Coverage details for hospitalization abroad could not be confirmed from the retrieved source text.
Outpatient treatment
No limit stated
Coverage details for outpatient treatment could not be confirmed from the retrieved source text.
Emergency dental care
No limit stated
Coverage details for emergency dental care could not be confirmed from the retrieved source text.
Medical transport
No limit stated
Coverage details for medical transport could not be confirmed from the retrieved source text.
Medical evacuation
No limit stated
Coverage details for medical evacuation could not be confirmed from the retrieved source text.
Repatriation of remains
No limit stated
P&V's assistance products generally organize repatriation of a deceased insured person, but exact terms for this specific policy could not be confirmed from the retrieved source text.
Search and rescue
No limit stated
Coverage details for search and rescue costs could not be confirmed from the retrieved source text.
COVID-19 treatment
No limit stated
No information on COVID-19 treatment coverage was found in the retrieved source text.
Pre-existing conditions
No limit stated
Pre-existing medical conditions are typically subject to limitations in travel policies, but the exact P&V wording could not be confirmed from the retrieved text.
Winter sports cover
No limit stated
No information on winter sports coverage was found in the retrieved source text.
Adventure sports cover
No limit stated
No information on adventure sports coverage was found in the retrieved source text.
Pregnancy complications
No limit stated
No information on pregnancy complications coverage was found in the retrieved source text.
Personal liability
No limit stated
No information on personal liability coverage under this travel product was found in the retrieved source text.
Legal assistance
No limit stated
No information on legal assistance coverage under this travel product was found in the retrieved source text.
24/7 assistance
Covered
No limit stated
P&V's assistance-linked travel products generally coordinate round-the-clock support, though the exact scope for this specific IPID/T&C combination could not be confirmed from the retrieved text.
Key conditions
Assistance call deadline
The retrieved sources do not specify an exact deadline for contacting the assistance service; contact P&V's assistance line as soon as possible in an emergency.
Unauthorized treatment
No specific penalty for unauthorized treatment is stated in the retrieved sources.
Purchase while abroad
The retrieved sources do not state whether the policy can be purchased while the insured is already abroad.
Chronic conditions
No specific rule on chronic diseases is confirmed in the retrieved sources.
Pregnancy
The retrieved sources do not specify pregnancy-related coverage conditions.
Pre-existing condition exclusions
Pre-existing medical conditions are generally subject to limitations in travel insurance, but the exact P&V policy wording could not be confirmed from the retrieved text.
Coverage duration limit
The maximum insured trip duration is defined in the policy's special conditions; the exact figure could not be confirmed from the retrieved sources.
Policy specifics
Medical expenses abroad
Coverage for medical treatment costs incurred while travelling abroad, including doctor visits, hospitalization, and prescribed medications
SourceRepatriation of insured person
Coverage for transport costs to repatriate the insured person to Belgium in case of serious illness or injury requiring medical treatment at home
SourceTravel assistance services
24/7 assistance coordination including medical advice, emergency contact services, hospitalization management, and liaison with medical providers
SourceGeographic coverage scope
Travel insurance typically covers travel within Europe or worldwide destinations depending on policy variant; specific exclusions apply to war zones and sanctioned countries
SourceMaximum trip duration
Individual trips covered for a maximum period; typically 45-90 days per trip for annual policies; specified in policy details
SourceHazardous activities exclusion
Travel insurance excludes coverage for professional sports, mountaineering, extreme sports, and other dangerous activities unless specifically endorsed
SourcePolicy period and renewal
Annual travel insurance contracts typically run for one year and renew automatically unless cancelled at least 2-3 months before expiry
SourceClaim notification timeline
Insured must notify P&V (via assistance provider or directly) without unreasonable delay; typically within specific days for medical claims and theft/loss
Source