Travel insurance
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| Feature / category | AXA Jun 2, 2026 Open details | Baloise Jun 2, 2026 Open details | DKV Luxembourg Jun 2, 2026 Open details | Europ Assistance Jun 2, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | AXA Assurances Luxembourg S.A. | Baloise Assurances Luxembourg S.A. / Baloise Vie Luxembourg S.A. | DKV Luxembourg S.A. | Europ Assistance Luxembourg S.A. |
Online purchase | No | No | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Starting price | — | — | €1 | — |
Billing basis | annual | per_trip | per_trip | annual |
Unique selling points |
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IPID | Not available | IPID | IPID | IPID |
Terms & conditions | ||||
| Coverage | ||||
Medical expenses | Optional | €500,000 | €30,000 | €1,250,000 |
Medical transport | Optional | unlimited | €30,000 | Covered |
COVID-19 treatment | The policy explicitly excludes all costs related to the fact that the insured cannot travel or chooses not to travel because the Ministry of Foreign Affairs (or any equivalent governmental body in another country) advises against travel due to a pandemic. General medical expenses abroad (which could include COVID-19 treatment if contracted during travel) may be covered under the medical expenses section up to EUR 150,000; however, pandemic-related travel disruptions and epidemic-related cancellations are explicitly excluded. | Covered | Excluded | COVID-19 is not explicitly mentioned in the policy. However, if COVID-19 illness meets the general conditions (unforeseen illness without prior known history), medical expenses abroad may be covered under the standard medical expenses clause (art. 2.11) up to EUR 1,250,000. Pre-existing or known conditions are excluded. |
Personal liability | Excluded | Optional | Not offered | Excluded |
Emergency dental | Optional | Covered | €30,000 | €125 |
Search & rescue | Optional | Optional | — | €5,000 |
Legal assistance | Optional | Excluded | Not offered | €13,750 |
Emergency medical treatment | Optional | €500,000 | €30,000 | €1,250,000 |
Hospitalization | Optional | Covered | €30,000 | €1,250,000 |
Outpatient treatment | Optional | Covered | €30,000 | €1,250,000 |
Medical evacuation | Optional | unlimited | €30,000 | Covered |
Repatriation of remains | Optional | Covered | €30,000 | Covered |
Pre existing conditions | Relapses of pre-existing diseases are covered for the cancellation guarantee, provided such relapses were not the subject of a medical finding in the month preceding the subscription of the guarantee. However, for the assistance guarantee, chronic diseases that have caused neurological, respiratory, circulatory, blood or renal alterations are excluded. Relapses and convalescence of all conditions revealed, not yet consolidated and being treated before the departure date and presenting a real risk of rapid worsening, are also excluded. Ongoing treatments and non-consolidated convalescence states are excluded. | Excluded | Excluded | Excluded |
Winter sports cover | Ski accidents on marked slopes are covered: AXA Assistance covers toboggan transport costs down the slope (on presentation of original receipt, to be reported within 72 hours of accident). If the insured is hospitalised for more than 24 hours or repatriated by AXA Assistance, the ski lift pass is reimbursed pro-rata for unused time up to EUR 125 maximum. However, ski accidents occurring on off-piste areas without an authorised guide are excluded. | Optional | Recreational winter sports are covered under the general medical cover as they are not explicitly excluded. Professional sporting competitions are excluded (Art. 12p of GTC). Accidents during motor vehicle races in which the insured participates as a competitor or assistant are also excluded (Art. 12q of GTC). | €5,000 |
Adventure sports cover | Excluded | Excluded | Amateur/recreational adventure sports are covered under the general medical cover as they are not explicitly excluded. Professional sporting competitions and motor vehicle races are excluded (Arts. 12p–12q of GTC). Intentional acts and alcohol/drug-related accidents are also excluded. | Excluded |
Pregnancy complications | For the trip cancellation guarantee: pregnancy complications or disorders of the insured or a family member up to the 2nd degree, including premature birth before the 33rd week of pregnancy, are a covered cancellation event. Pregnancy of the insured is also covered for cancellation when the trip was planned during the last 3 months of pregnancy and the pregnancy was not known at the time of the travel reservation. For the assistance guarantee, pregnancy states beyond the 26th week and voluntary terminations of pregnancy are excluded from the personal assistance exclusions. | Pregnancy-related complications may be covered as an emergency medical event arising suddenly during travel. Coverage depends on the circumstances; routine pregnancy care and planned delivery abroad are not covered. Specific conditions apply. | Acute and unforeseeable pregnancy complications are covered, including premature births before the end of the 32nd week of pregnancy and miscarriages. Medically necessary care for the premature baby is also covered. Pre-known pregnancies, voluntary terminations, sterilization, normal childbirth, and postnatal care are excluded (Art. 12h of GTC). | Pregnancy beyond 28 weeks is excluded for air travel unless written authorisation is provided by the treating gynaecologist and confirmed by the airline's doctor. Pregnancy complications below 28 weeks that are unforeseen and without prior history may be covered under the standard medical expenses clause. Routine maternity and preventive care are excluded. |
| Key conditions | ||||
Assistance call deadline | The insured must contact AXA Assistance at the time the event occurs (at the latest as soon as possible). Any services not requested at the time of the event, or arranged without AXA Assistance's agreement, do not give rise to reimbursement or indemnity after the fact. Exception: search and rescue costs abroad, ski accident transport costs, and non-hospitalisation medical expenses (up to 2 visits per year with medical certificate). | In the event of an emergency abroad, the insured must contact Baloise Assistance as soon as possible to authorise and coordinate medical transport or repatriation. Failure to obtain prior authorisation may affect coverage of unauthorised treatments or transport costs. | In the event of hospitalization, the insured must notify DKV within 3 days by telephone (+352 42 64 64 1) or email (assistance@dkv.lu). Failure to do so means DKV is not obligated to reimburse. If notification is received late, DKV is only obligated to pay from the day it was informed (Art. 13a of GTC). | The insured must call Europ Assistance as soon as possible in the event of a claim (except force majeure) so that assistance can be optimally organised and guaranteed expenses authorised. For hospitalisation abroad, notification must be made the same day or within 48 hours at the latest. Any transport/repatriation for medical reasons must be preceded by the agreement of Europ Assistance's medical team; a certificate from the local treating doctor alone is insufficient. |
Purchase while abroad | The Option Voyage must be subscribed before travel. Trips reserved before the subscription date and departing less than one month after the effective date are excluded from the cancellation guarantee. The guarantee cannot be taken out while already abroad; no mention of post-departure purchase is found in the policy terms. | The Baloise Travel insurance must be taken out before departure. It can be subscribed for a single occasional trip or as an annual contract. No information was found in official sources confirming the ability to purchase while already abroad. | The insurance contract must be taken out before crossing the border for the foreign country. Coverage does not take effect before the contract is concluded, the premium is paid, and the insured is abroad. It is not possible to take out the policy once already abroad (Art. 6 of GTC). | The policy must be in force before the insured event occurs. Coverage takes effect from the date specified by the policyholder in the particular conditions, provided the premium is paid no later than the day before that date. Benefits cannot be claimed for events that occurred before the policy's effective date. |
Chronic conditions | Chronic diseases that have caused neurological, respiratory, circulatory, blood or renal alterations are excluded from personal assistance. Relapses and convalescence of all conditions revealed, not yet consolidated and being treated before the departure date and presenting a real risk of rapid worsening are excluded. Ongoing treatments and non-consolidated convalescence states are excluded from assistance. | Chronic or mental illness is generally excluded from coverage; however, Baloise Assistance does intervene when the event consists of a sudden acute crisis arising from such a condition. Routine treatment or foreseeable care related to known chronic conditions is not covered. | Treatment for chronic conditions for which it was medically established before departure that treatment would be required during the normal course of the trip (e.g. dialysis) is excluded. Reimbursement of long-term medications required before departure is also excluded. Exception applies only if the trip was taken following the death of a spouse or first-degree relative (Art. 12b of GTC). | Pre-existing pathological conditions known before departure are excluded. Relapses or aggravations of an illness or pathological condition established before the trip are also excluded. Only a first manifestation of depression or mental illness may be eligible for coverage. |
Pregnancy | For the cancellation guarantee: pregnancy complications or disorders (including premature birth before the 33rd week) of the insured or a family member up to the 2nd degree are covered. Pregnancy of the insured is covered for cancellation when the trip was planned during the last 3 months of pregnancy and the pregnancy was not known at the time of reservation. For the assistance guarantee: pregnancy beyond the 26th week and voluntary terminations of pregnancy are excluded. | Routine pregnancy care and planned deliveries abroad are not covered. Sudden pregnancy complications arising unexpectedly during travel may be treated as an emergency medical event. Policyholders should verify specific conditions with their agent before travel. | Expenses related to a pregnancy known before departure, voluntary termination, sterilization, miscarriage (unless qualifying as acute unforeseen complication), normal childbirth, and postnatal care are not covered. Acute and unforeseeable pregnancy complications are covered, including premature births before week 32 and miscarriages qualifying as unforeseen complications. Medically necessary care for the premature newborn is also covered (Art. 12h of GTC). | Pregnancy beyond 28 weeks is excluded for air travel unless written authorisation has been obtained from the treating gynaecologist and confirmed by the airline's doctor. Routine maternity care, periodic check-ups, and preventive care are excluded. |
Unauthorized treatment | Medical expenses incurred under the private regime (rather than public regime) are only covered if technical and medical imperatives justify it and AXA Assistance medical team has given prior approval. Any services organised without AXA Assistance's prior agreement are not reimbursed, except in the specific exceptions listed (non-hospitalisation medical care, ski accident transport, search and rescue). The insured who refuses to follow AXA Assistance physicians' decision expressly releases AXA Assistance from all liability. | Medical interventions and transport arranged without prior authorisation from Baloise Assistance may not be reimbursed or may be subject to reduced coverage. The insured must take all necessary measures to limit damage and notify the insurer within 8 days of the incident. | If treatment or other acts exceed what is medically necessary, DKV may reduce its benefits to an appropriate amount. If costs are manifestly disproportionate to services rendered, DKV is not required to reimburse. DKV only supplements statutory health insurance, accident insurance, and pension insurance – it reimburses only the costs exceeding statutory benefits (Art. 11 of GTC). | If the insured does not comply with their obligations (especially contacting Europ Assistance promptly or following recommended solutions), Europ Assistance may reduce the contractual benefit proportional to its prejudice, or decline the benefit entirely and claim full reimbursement of costs if the breach was fraudulent. |
Pre existing conditions | For the cancellation guarantee, relapses of pre-existing diseases are covered provided they were not the subject of a medical finding in the month preceding subscription of the guarantee. For the assistance guarantee, chronic diseases with neurological, respiratory, circulatory, blood or renal alterations are excluded, as are relapses and ongoing treatments not yet consolidated before departure. | Pre-existing medical conditions are among the standard exclusions. Coverage may apply to an acute sudden crisis arising from a known condition, but planned or foreseeable treatments related to pre-existing conditions are excluded. | Treatment for pre-established medical conditions that were known to require treatment abroad before departure is excluded. The exclusion applies to any condition where treatment abroad was medically established as necessary before the start of the trip. An exception exists for travel following the death of a spouse or first-degree relative (Art. 12b of GTC). | Known pathological conditions prior to departure are explicitly excluded from all coverage. The illness or accident giving rise to a claim must have an unpredictable character and no known prior history ("caractère imprévisible et sans antécédents connus"). |
Coverage duration limit | The assistance guarantee is limited to trips of a maximum of 90 consecutive calendar days. Events occurring after this period do not give rise to any guarantee. The guarantee is not acquired when the insured decides to undertake travel despite an official statement by the Ministry of Foreign Affairs advising against travel to a country in a state of unrest, riots, wars or civil wars. | The policy can be taken out for a single trip or on an annual basis. No explicit maximum trip duration per journey was found in available sources for the annual contract; the specific limits are defined in the Special Conditions. Single-trip policies end on the date specified in the policy schedule. | The insurance must be taken out for a minimum of seven (7) days per person. The maximum coverage period is 99 days. The contract ends automatically on the expiry date with no automatic renewal. If the insured cannot be transported due to illness or accident at the end of the contract, coverage is extended without additional premium for the same number of days as the original insured period, up to a maximum of 28 days (Arts. 5 and 7 of GTC). | Under the Annuel contract, each stay abroad is covered for a maximum of 3 consecutive months. Beyond 3 months, only events occurring during the first 3 months are covered. An extension by monthly periods is possible on request and against additional premium, which must be requested and paid before the 3-month period expires. |
| Proof and next steps | ||||
Direct payment policy | AXA Assistance can advance medical expenses abroad (particularly for hospitalisations). Reimbursement of medical costs not covered by social security is made upon the insured's return to Luxembourg, after presenting original supporting documents and after recourse to the social security and/or any supplementary health insurance scheme. For non-hospitalisation medical expenses, reimbursement is made after the fact (up to 2 visits per year without prior authorisation). | Baloise Assistance coordinates and organises medical transport, repatriation and hospitalisation directly; costs are generally advanced or settled by the insurer via the assistance provider, subject to prior authorisation. Claims must be reported within 8 days of the incident. | DKV Luxembourg settles reimbursable costs directly with the hospital abroad (Art. 11.5d of GTC). For outpatient and dental claims, the insured must first submit invoices to the compulsory health insurer, then send copies with the reimbursement proof to DKV Luxembourg. | Europ Assistance organises and directly covers transport/repatriation costs and can advance hospitalisation costs to the hospital on request. For medical expenses paid abroad, reimbursement is made after mutual/health insurance intervention on presentation of original receipts. Expenses below EUR 12 are not reimbursed. |
Last verified | Jun 2, 2026 | Jun 2, 2026 | Jun 2, 2026 | Jun 2, 2026 |