Allianz Assistance Travel insurance (Travel Medical Protection)
Underwritten by AWP P&C S.A. – Belgian Branch (Allianz Assistance) · Luxembourg
travel insurance from Allianz Assistance for the Luxembourg market, with online purchase and 24/7 assistance.
Verified Aug 30, 2026 · Terms dated 2024-07Sources
Key facts
- Allianz Assistance
Unique selling points
Over 250,000 customers already choose Allianz's annual assistance and travel insurance formulas.
Access to a global medical network of over 72,900,000 healthcare providers and more than 510 dedicated air ambulances.
The top-tier World Gold Protection formula offers unlimited medical expense coverage abroad, well above the standard tiers' fixed caps.
Cancellation guarantee reimburses up to 3,500 EUR per person and 20,000 EUR per policy per year for any sudden, unforeseeable and materially justifiable reason.
24/7 emergency assistance line reachable free of charge (collect call) from abroad.
Coverage limits
Medical expenses abroad
Covered
Medical expenses incurred abroad are covered up to 125,000 EUR under World Full Protection, 250,000 EUR under Classic Protection, and unlimited under World Gold Protection.
Emergency medical treatment abroad
Covered
Urgent medical treatment abroad falls under the medical expenses guarantee, ranging from 125,000 EUR (World Full Protection) and 250,000 EUR (Classic Protection) up to unlimited (World Gold Protection).
Hospitalization abroad
Covered
Hospitalization costs abroad are covered under the same medical expenses ceiling per formula; ambulance transport is covered when medically prescribed.
Follow-up medical costs in Belgium/Luxembourg
€6.3K
Follow-up medical costs in Belgium (replaced by Luxembourg for LU-domiciled insureds) after an accident abroad are covered up to 6,250 EUR per person.
Emergency dental treatment
Not established from the reviewed documents
Not found in the reviewed sources for this annual formula.
Medical transport abroad
Covered
Ambulance transport abroad is covered, if medically prescribed, within the medical expenses ceiling of the chosen formula.
Repatriation costs due to illness or accident
unlimited
Repatriation costs in case of illness or accident are unlimited under the Assistance Personnes guarantee, common to the Classic Protection, World Full Protection and World Gold Protection formulas.
Repatriation costs in case of death
unlimited
Repatriation costs in case of death abroad are unlimited under the shared Assistance Personnes guarantee of the Protection formulas.
Search and rescue
Not established from the reviewed documents
Not found in the reviewed sources for this annual formula.
COVID-19 treatment
Covered
A serious medical condition arising during the trip, including the diagnosis of an epidemic or pandemic disease such as COVID-19, is treated as an illness triggering the same emergency medical assistance benefits.
Pre-existing conditions
Excluded
The online insurance formulas on this site do NOT cover pre-existing conditions; Allianz Assistance covers them only via its intermediary network through corporate formulas.
Winter sports cover
Not established from the reviewed documents
Not found in the reviewed sources for this annual formula.
Motorsport / adventure sports exclusion
Excluded
For the World Gold Protection formula, the follow-up medical costs guarantee does not apply after an accident occurring during the practice of a sport or participation in a competition involving motor vehicles (trials, competitions, rallies, raids...) or their training.
Pregnancy complications
Not established from the reviewed documents
Not found in the reviewed sources for this annual formula.
Personal liability abroad
Not established from the reviewed documents
Not found in the reviewed sources for this annual formula.
Legal assistance abroad
Not established from the reviewed documents
Not found in the reviewed sources for this annual formula.
Key conditions
Assistance call deadline
You must contact Allianz Assistance (or have a third party contact them) as soon as your situation risks generating expenses covered by the guarantee or a possible repatriation, providing your contract number, your location, a callback number and the nature of the care required.
Unauthorized treatment
Not detailed separately for the Protection formulas in the reviewed documents; the general requirement is to inform Allianz Assistance before incurring costs so that it can coordinate care.
Purchase while abroad
Not addressed for this annual formula in the reviewed sources.
Chronic conditions
Pre-existing chronic conditions such as asthma are NOT covered by the online formulas on this site; they can only be covered via Allianz Assistance's intermediary network through corporate formulas.
Pregnancy
Not addressed for this annual formula in the reviewed sources.
Pre-existing condition exclusions
The online insurance formulas do NOT cover pre-existing conditions; coverage for these is only available via Allianz Assistance's broker/corporate channel.
Coverage duration limit
For beneficiaries of the World Gold Protection formula, a stay abroad exceeding 3 months per year is possible only if an extension of this formula has been arranged.
Direct payment
The travel medical guarantee is a secondary coverage: if you are affiliated with a health mutual fund or have health insurance, you must first submit your reimbursement request to that provider before claiming from Allianz Assistance.
Territorial scope
Insured persons must be domiciled in Belgium or Luxembourg and reside there at least 9 months per year; for persons domiciled in Luxembourg, references to "Belgium" in the general conditions are replaced by "Luxembourg".
Documents
Classic Protection - General Conditions (07/2024) (opens in a new tab)
Terms & conditions · PDF
World Gold Protection - General Conditions (07/2024) (opens in a new tab)
Terms & conditions · PDF
Classic/World Full/World Gold Protection - Combined General Conditions (opens in a new tab)
Terms & conditions · PDF
World Full Protection - IPID (opens in a new tab)
Product information sheet · PDF
Classic Protection - Insurance Product Information Document (opens in a new tab)
Product information sheet · PDF
General conditions download index (French) (opens in a new tab)
Other document · PDF
Policy specifics
Medical expense ceiling varies by tier
The medical expenses abroad ceiling is 125,000 EUR under World Full Protection, 250,000 EUR under Classic Protection, and unlimited under World Gold Protection.
Source3-month stay-abroad limit for World Gold Protection
For beneficiaries of World Gold Protection, a stay abroad exceeding 3 months per year requires a prior agreed extension of the formula.
SourceDomicile requirement (BE or LU)
Insured natural persons must be domiciled in Belgium or Luxembourg and reside there usually at least 9 months per year.
SourceSources
- allianz-assistance.behttps://www.allianz-assistance.be/fr_BE/aide-et-conseils/faq.html(opens in a new tab)
- allianz-partners.comhttps://www.allianz-partners.com/content/dam/onemarketing/awp/azpartnerscom/belgium/jaarformules_fiches/2022/Allianz-Jaarcontract-Gold-Full-Classic_NL_Web.pdf(opens in a new tab)
- allianz-partners.comhttps://www.allianz-partners.com/content/dam/onemarketing/awp/azpartnerscom/belgium/jaarformules_fiches/2024/World_Gold_Protection_TC_BEnl_2407.pdf(opens in a new tab)
Allianz Assistance Travel insurance