Touring Travel insurance (Traveller Full Family Full)

Touring intervenes without a monetary ceiling in surgical and hospitalization costs abroad, after the amounts recoverable from Belgian social security for the same risks have been exhausted. If the insured is not up to date with mutual-insurance contributions, this intervention is limited to €1,250 per insured per claim for medical, surgical, pharmaceutical and hospitalization costs.

Emergency treatment following an accident or serious illness abroad is covered without a stated ceiling (surgical and hospitalization costs), with specific sub-limits: urgent dental care up to €250 per insured (prostheses excluded, no repatriation organized on this ground alone), hotel stay while bedridden up to €85/day capped at €850 per insured per event, and other transport costs (including hospital visits by other insureds) up to €500 per insured per claim.

Hospitalization costs abroad are covered without a monetary ceiling. Follow-up hospitalization in Belgium linked to an unplanned medical operation or accident abroad is separately capped at €6,000 per insured, for hospitalizations occurring within 3 months of discharge from the foreign hospital.

Ambulatory medical costs incurred abroad fall within the general unlimited medical-expense guarantee. Ambulatory follow-up costs incurred in Belgium after a foreign accident or illness are capped at €745 per insured (massage, kinesitherapy and physiotherapy sub-limited to €125), valid for 1 year from the event and conditional on a medical file already having been opened with Touring's assistance centre during the stay abroad.

Costs of urgent dental care provided by a qualified dentist following an accident or an acute crisis are covered up to €250 per insured; dental prostheses are not covered, and Touring does not organize repatriation on this ground alone.

Costs of the insured's first/initial transport are borne by Touring without a stated ceiling. Other transport costs (including hospital visits by other insureds) are covered up to €500 per insured per claim.

Touring organizes and pays, without a stated ceiling, the repatriation of an insured hospitalized abroad following an accident or serious illness (by ambulance, train, helicopter, scheduled flight, charter flight or air ambulance, as decided by Touring's doctor), once medically justified. Insureds on an organ-transplant waiting list registered with a Eurotransplant centre also benefit from an organized return to the designated hospital in Belgium.

Touring organizes and pays for repatriation of the deceased insured's remains from abroad to Belgium and reimburses embalming and foreign administrative formality costs, with coffin costs capped at €785 per insured. If the deceased is instead buried or cremated abroad, Touring's intervention (mise en bière/embalming, coffin or urn, local transport of remains, urn repatriation, a return ticket for one family member, and administrative formalities) is capped at €1,500 in total; burial, cremation and ceremony costs are not covered.

Touring covers search and rescue costs billed by official rescue organizations up to €15,000 per claim for all insureds combined, on presentation of the invoice and an attestation from rescue services or local authorities confirming the insureds' identity. Off-piste skiing is covered only if accompanied by a licensed ski instructor; off-trail mountain hiking is covered only if accompanied by a licensed mountain guide.

The policy does not define a distinct COVID-19 benefit. Any claim arising in a country for which the Belgian Foreign Affairs department (FPS) has issued a negative travel advisory linked to a worldwide health problem (epidemics/pandemics included) is excluded, and quarantine measures are also listed among the force-majeure 'exceptional circumstances' for which Touring is not liable.

Relapses or worsening of an illness or pathological condition known before departure are excluded. A pre-existing illness remains covered only if it is 'stable' on the day of departure: no change in (para)medical treatment, no hospitalization or worsening, and no medical contraindication to travel, all confirmed by a medical report from the treating physician at the time of booking the trip and/or subscribing to the contract.

Medical costs abroad due to a ski accident are covered under the general unlimited medical-expense guarantee. Related follow-up costs in Belgium are capped at €6,000 (hospitalization) and €745 (ambulatory, with massage/kinesitherapy/physiotherapy sub-limited to €125). Also included: reimbursement of unused ski pass and lessons of more than 5 consecutive days up to €200 per insured, rental costs up to €100 following breakage of skis/bindings, rental costs up to €100 following theft of skis/poles/boots (with proven forced entry or violence), and a €2,500 lawyer-fee advance for third-party liability claims arising from skiing.

Aerial sports, motorsports, bobsleigh, mountaineering, rock climbing, off-piste skiing (unless with a licensed instructor), off-trail mountain hiking (unless with a licensed guide), kitesurfing, scuba diving, canyoning, bungee jumping, speleology, combat sports, big-game hunting, speedriding, downhill, car-surfing and any sport practised in competition or a speed event are excluded from cover.

Pregnancy itself is not treated as an illness, but serious complications during pregnancy are assimilated to an accident and covered under the unlimited medical-expense guarantee. Pregnancies beyond 28 weeks, childbirth and its consequences (other than serious complications), and voluntary termination of pregnancy are excluded from cover.

The Touring Traveller Full/Family Full policy does not include a personal or third-party civil liability guarantee.

Cover is narrow, limited to accessory legal costs tied to specific events: following a road-traffic accident abroad, Touring advances the criminal bail up to €25,000 and advances lawyer's fees up to €2,500; a separate €2,500 lawyer-fee advance applies for third-party liability claims arising from skiing. General litigation costs are otherwise excluded, except for these specific cases.