Baloise Assurances Luxembourg S.A. / Baloise Vie Luxembourg S.A.
Baloise
Baloise is a travel insurance for the Luxembourg market with no online purchase and 24/7 assistance.
Direct payment
Baloise directly organizes and pays for services such as repatriation and shipping costs of medication; however, the cost of the medication itself remains payable by the insured person.
Geographic scope
Worldwide
Cover applies worldwide, except for specific exclusions or regional limitations stated in the policy; vehicle assistance geographic scope depends on the option chosen.
Unique selling points
- Medical cover abroad up to €500,000 depending on the tier chosen, well above typical entry-level travel policies.
- Fully modular design lets customers build their own policy by independently combining medical assistance, cancellation, luggage and vehicle assistance components.
- 24-hour, 7-day assistance line for emergencies while traveling.
- Vehicle breakdown and accident assistance abroad, including towing and provision of a replacement vehicle, a feature not always bundled with basic travel policies.
- Cancellation cover extends beyond illness to include redundancy, professional promotion, separation or divorce as valid cancellation reasons.
Coverage limits
Medical expenses abroad
€500,000
Medical, surgical, pharmaceutical and hospitalization costs are reimbursed up to €500,000, with the exact ceiling depending on the coverage tier chosen (Classic, Confort or Privilège). Medication cost itself remains payable by the insured; only shipping costs are covered by Baloise.
Emergency medical treatment
€500,000
Emergency medical, surgical and pharmaceutical treatment abroad is covered under the same guarantee as medical expenses, up to €500,000 depending on tier.
Daily hospitalization allowance
€5 – €12
In addition to the reimbursement of hospitalization costs under the medical expenses guarantee, the travel accident guarantee pays a daily hospitalization allowance per insured person: not covered under Classic, €5/day under Confort, €12/day under Privilège.
Outpatient treatment
Covered
Outpatient medical treatment is covered within the general medical expenses guarantee; no separate sub-limit was found in the reviewed sources.
Emergency dental
Covered
Emergency dental costs are reimbursed as part of the medical expenses guarantee (art. 4.8 'Remboursement des frais médicaux, dentaires, chirurgicaux, pharmaceutiques et d'hospitalisation') under the Travel Protect general conditions; no separate sub-limit for dental care is specified in the available text.
Transport of sick or injured person
Covered
Transport and/or repatriation of a sick or injured insured person is included in all three coverage tiers (Classic, Confort, Privilège), with no stated monetary cap.
Medical evacuation
Covered
Medical evacuation is covered under the same 'transport and/or repatriation of the sick or injured' guarantee, included across all three tiers.
Repatriation of mortal remains
€750 – €1,500
In the event of death of an insured person abroad, Baloise organizes the funeral formalities; coffin costs are covered up to €750 (Confort) or €1,500 (Privilège) per the guarantee table.
Search and rescue costs
€3,250 – €6,250
Search and rescue costs are covered up to €3,250 under Classic and Confort, and up to €6,250 under Privilège.
COVID-19 treatment
Conditional
Baloise markets its Travel policy as including 'Assurance annulation incluant la couverture maladie (y compris Covid)'. For epidemics/pandemics such as Covid-19, treatment under the policy depends on the general conditions in force and any endorsements ('leur traitement dépend des conditions générales en vigueur et des éventuels avenants'); no dedicated Covid-19 medical treatment limit distinct from the general illness/medical expenses guarantee was found.
Pre-existing medical conditions
Excluded
Baloise's own FAQ on travel insurance lists pre-existing conditions among common exclusions from travel insurance cover.
Winter sports cover
€125 – €250
Winter sports cover (sledge/helicopter descent costs and transfer to hospital) is included under Confort and Privilège tiers only, not Classic; ski-pass reimbursement is €125/insured under Confort and €250/insured under Privilège.
Adventure Sports Cover
Conditional
The Travel general conditions include a specific definitions entry for 'Sports à risque, sports dangereux, sports exclus', indicating risky/dangerous sports are treated as a distinct category subject to particular conditions or exclusions rather than being covered under the standard guarantees. Separately, the product page advertises 'Garanties spécifiques pour le sport d'hiver' (specific winter sports cover) depending on the chosen formula (Classic, Confort, Privilège), suggesting adventure/winter sports cover is conditional/optional rather than automatically included.
Pregnancy Complications
Conditional
According to Baloise Luxembourg's own FAQ on trip cancellation insurance, cancellation cover can apply 'en cas de complication médicale, d'accouchement prématuré, de contre-indication médicale de voyager, et, dans certaines situations, de grossesse en tant que telle lorsque le voyage est prévu' during specific stages; a normal pregnancy outside these cases is generally not covered ('Une grossesse normale hors de ces cas n'est généralement pas couverte'). Coverage depends on the Travel general conditions and any endorsements in force.
Personal liability abroad
Optional
Baloise Travel insurance offers third-party liability abroad as a specific option alongside medical cover, though no exact sum insured was found in the reviewed sources.
Legal assistance
Excluded
No mention of a legal assistance/protection juridique guarantee was found within Baloise Luxembourg's Travel (CG-ASSURANCE-TRAVEL / Travel Protect) general conditions. Baloise Luxembourg offers 'Assurance de la protection juridique' as a separate, distinct product line (connected to civil liability/auto insurance, e.g. CS-PROTECTION-JURIDIQUE-LUFR), not as an integrated component of the Travel policy.
24/7 assistance service
Covered
Baloise TRAVEL assistance is available 24 hours a day, 7 days a week; certain assistance services may be delivered by a partner provider rather than directly by Baloise.
Key conditions
Assistance call deadline
The reviewed sources do not state a specific number of hours within which the 24/7 assistance line must be contacted; the general conditions require prompt declaration of any claim.
Unauthorized treatment
No specific penalty for undergoing treatment without prior authorization from Baloise or its assistance partner was found in the reviewed sources.
Purchase while abroad
TRAVEL insurance can be purchased for a single occasional trip or as an annual contract; the reviewed sources do not specify whether the policy can be purchased once the insured is already abroad.
Chronic conditions
Baloise's own FAQ lists pre-existing conditions among common travel insurance exclusions; no separate specific clause on chronic diseases was found in the terms and conditions text retrieved.
Pregnancy
No specific clause on pregnancy-related cover or exclusions was found for this product in the reviewed sources.
Pre-existing condition exclusions
Baloise's FAQ on travel insurance lists pre-existing medical conditions among the common exclusions of travel insurance cover.
Coverage duration limit
TRAVEL insurance can be taken out for a single occasional trip or as an annual contract; no fixed maximum single-trip duration was found in the reviewed sources.
Policy specifics
Medical expenses coverage limit
Medical expenses covered up to €500,000, including repatriation and medication shipping
SourceTrip cancellation insurance
Cancellation insurance covers illness (including Covid), redundancy, promotion, separation or divorce with remaining accommodation costs covered
SourceLuggage and sports equipment coverage
Worldwide coverage for lost luggage and damaged sports equipment, including protection for suitcases, cameras, sports equipment, and souvenirs purchased on site
SourceWinter sports specific coverage
Specific covers for winter sports activities included in medical assistance component
SourceVehicle breakdown and accident assistance
Vehicle breakdown or accident assistance abroad with towing and replacement vehicle provision
SourceTrip cancellation ceiling by tier
The annual trip cancellation guarantee is capped at €2,500 per trip/person under Classic, €3,500 under Confort, and €5,000 under Privilège.
SourceTravel accident death/disability capital by tier
The travel accident guarantee pays a death capital of €15,000 (Classic), €40,000 (Confort), €80,000 (Privilège), and a permanent disability capital of €25,000 (Classic), €60,000 (Confort), €100,000 (Privilège).
SourceModular coverage component selection
TRAVEL insurance allows customers to design their own coverage by selecting one or multiple independent components (medical assistance, trip cancellation, luggage, vehicle assistance)
SourceThree coverage tier levels
TRAVEL insurance offers three coverage levels: Classic, Comfort, and Privilege - each tier provides different reimbursement limits and assistance features
SourceFlexible policy subscription options
TRAVEL insurance can be purchased for either occasional single trips or as annual contracts, allowing customers to choose subscription period that matches their travel needs
SourceAssistance services via partner provider
Certain assistance services within TRAVEL may be provided by a partner assistance provider rather than directly by Baloise
SourceSources
- https://www.baloise.lu/dam/baloise-lu/1890/particulier/documents/CG-CS/03-23/03-23/CG-ASSURANCE-TRAVEL-PROTECT-LUFR-03-23.pdf
- https://www.baloise.lu/dam/baloise-lu/1890/particulier/documents/CG-CS/CS-PROTECTION-JURIDIQUE-FR.pdf
- https://www.baloise.lu/en/blog/family-leisure/2022/credit-card-insurance-or-travel-insurance.html
- https://www.baloise.lu/fr/blog/famille-loisirs/2022/assurance-carte-bancaire-versus-assurance-voyage.html
- https://www.baloise.lu/fr/blog/famille-loisirs/2026/assurance-annulation-voyage-luxembourg.html
- https://www.baloise.lu/fr/particuliers/mon-assurance-luxembourg/assurance-voyage.html