Redion (anciennement Europ Assistance) Travel insurance (Contrat Annuel)
Underwritten by Redion S.A., Succursale luxembourgeoise (anciennement Europ Assistance Luxembourg) · Luxembourg
travel insurance from Redion (anciennement Europ Assistance) for the Luxembourg market, with online purchase and 24/7 assistance.
Verified Aug 30, 2026 · Terms dated 2025-11
Key facts
- Redion (anciennement Europ Assistance)
- Starting price: €147per yearAs published by the insurer — it does not say who the price is for
Unique selling points
High foreign medical expenses cap of up to 1,250,000 EUR on the Contrat Annuel.
Advances legal defense costs abroad (lawyer's fees up to 1,250 EUR and penal bail up to 12,500 EUR).
Covers everyday incidents beyond travel, including a home locksmith benefit and home-incident hotel/guarding costs, bundled into the same annual policy.
Includes roadside breakdown and vehicle repatriation assistance across Luxembourg and Europe, bundled into the same annual travel policy.
Coverage limits
Medical expenses abroad
€1.3M
Reimbursement of medical expenses paid abroad up to a maximum of 1,250,000 EUR under the Contrat Annuel. A 60 EUR deductible applies; if the insured is not affiliated or not in good standing with the Caisse Nationale de Santé, cover is limited to a maximum of 1,240 EUR.
Emergency medical treatment
Covered
Emergency medical treatment abroad is covered within the single 1,250,000 EUR foreign medical expenses limit; no separate sub-limit is stated.
Hospitalization
Covered
Hospitalization costs abroad fall within the overall 1,250,000 EUR foreign medical expenses limit. Separately, if hospitalized alone abroad (adult, minimum 5 days), visitors' hotel costs are covered at 65 EUR/room/night up to 500 EUR maximum.
Outpatient treatment
Covered
Outpatient medical treatment abroad falls within the overall 1,250,000 EUR foreign medical expenses limit; no separate sub-limit is stated.
Medical transport
Covered
Europ Assistance organizes and bears the cost of transporting the sick or injured insured (plus a companion and pets) back home; no stated ceiling. Local ambulance costs are included within the medical expense reimbursement.
Medical evacuation / repatriation
Covered
Organization and full coverage of transport/repatriation of the sick or injured insured from abroad to their home in Luxembourg or a nearby hospital, with medical supervision if necessary; no ceiling is stated.
Repatriation of remains
€620
Repatriation in case of death, plus coffin and funerary urn costs, up to 620 EUR abroad.
Search and rescue costs
€5K
Reimbursement of search costs in case of an accident on or off marked ski slopes, up to a maximum of 5,000 EUR. Off-piste accidents are only covered if the beneficiary is accompanied by an instructor from an organization accredited for off-piste skiing.
Pre-existing conditions
Excluded
Pathological, mental or depressive states, and relapses or worsening of a pre-existing condition known before departure, are excluded.
Winter sports cover
Conditional
Accidents off marked ski slopes are only covered if the beneficiary is accompanied by an instructor from an organization accredited for off-piste skiing (search and rescue costs are capped at 5,000 EUR, see search_and_rescue).
Pregnancy complications
No limit stated
Not explicitly addressed as a distinct benefit in the available sources; a related air-travel restriction for pregnancy over 28 weeks exists (see key_conditions.pregnancy).
Legal assistance
€1.3K
Advance of lawyer's fees up to 1,250 EUR and of penal bail costs up to a maximum of 12,500 EUR in case of legal proceedings abroad.
Key conditions
Assistance call deadline
In case of illness or injury, you must first call on local emergency services and provide the details of the local treating doctor, then contact Europ Assistance as quickly as possible before taking any steps related to the claim.
Unauthorized treatment
If the insured is not affiliated with or not in good standing with the Caisse Nationale de Santé, medical expense cover is limited to a maximum of 1,240 EUR; a 60 EUR deductible also applies to reimbursed medical expenses.
Purchase while abroad
Not explicitly addressed in the available sources. Beneficiaries must be named in the special conditions and be domiciled and habitually resident in the Grand Duchy of Luxembourg.
Chronic conditions
Pathological, mental or depressive states, and relapses or worsening of a condition known before departure, are excluded from cover.
Pregnancy
Pregnancy beyond 28 weeks is excluded for air travel, unless written authorization is given by the treating gynecologist and confirmed by the airline's doctor.
Pre-existing condition exclusions
Pathological states, illnesses or injuries diagnosed and/or treated with continuous, day, or ambulatory hospitalization in the 6 months before any claim are excluded, except when an epidemic causes serious illness or death of the insured, a family member, or a childcare provider.
Coverage duration limit
The guarantee is limited to assistance abroad (for persons and vehicles) for up to 3 consecutive months.
Direct payment
Europ Assistance directly organizes and bears the cost of transport/repatriation (and can advance hospitalization fees abroad on request). Medical expenses paid abroad are reimbursed after the primary health insurer/mutual fund has intervened, upon presentation of original supporting documents, minus a 60 EUR deductible; claims below 12 EUR are not reimbursed.
Territorial scope
Cover is worldwide except for countries not listed in the general terms, countries in civil or foreign war, countries where security makes assistance impossible, and countries under international sanction. Explicitly excluded: North Korea, Syria, Iran, Venezuela, Belarus, Myanmar (Burma), Afghanistan, the Russian Federation, Crimea and the Donetsk and Luhansk People's Republics.
Documents
IPID - Annual travel assistance insurance (YA71) (opens in a new tab)
Product information sheet · PDF
General terms and conditions - Annual Contract (YA71) (opens in a new tab)
Terms & conditions · PDF
Annual Contract & Annual Contract Plus - General terms brochure (opens in a new tab)
Terms & conditions · PDF
Annual travel insurance - product page (opens in a new tab)
Other document · PDF
Policy specifics
Medical expenses abroad
Coverage for unforeseen medical expenses and hospitalization during travel abroad
SourceSource no longer reachableClause 2.11Page 8Section: Chapitre 2. Assistance aux personnes en cas de maladie, accident corporel, décès, catastrophes naturelles > E 2.11 Remboursement des frais médicaux payés à l'étranger
cette prestation couvre les frais de soins reçus à l'étranger dans un pays couvert par le contrat à la suite d'une maladie ou d'un accident corporel survenu dans ce pays, ayant un caractère imprévisible et sans antécédents connus. […] les frais d'hospitalisation ;
Medical repatriation
Organization and full coverage of transport/repatriation of sick or injured person from abroad to Luxembourg home or nearby hospital with medical supervision if necessary
SourceSource no longer reachableClause 2.3Page 7Section: Chapitre 2. Assistance aux personnes en cas de maladie, accident corporel, décès, catastrophes naturelles > L/E 2.3 Transport/rapatriement du malade ou du blessé
Nous organisons et prenons en charge votre transport au départ de l'établissement où vous vous trouvez. Ce transport s'effectue, selon les décisions prises par nos médecins et le cas échéant, sous surveillance médicale ou paramédicale constante, jusqu'au domicile au Grand-Duché de Luxembourg, ou jusque dans un établissement hospitalier proche de votre domicile dans lequel une place vous sera réservée.
Travel document loss
Reimbursement of transport and administrative costs incurred abroad related to loss or theft of travel documents up to maximum 125 EUR
SourceSource no longer reachableClause 3.1Page 9Section: Chapitre 3. Assistance voyage > E 3.1 Perte ou vol de documents de voyage et de titres de transport à l'étranger
Nous vous remboursons les frais de transport et administratifs encourus à l'étranger liés à la perte ou au vol de vos documents de voyage à concurrence de max 125 EUR.
Coverage territory
For Annual contract: coverage in Luxembourg from 10 km from home and abroad in all covered countries
SourceSource no longer reachableClause 1.4Page 4Section: Chapitre 1. Conditions d'application du contrat > 1.4 Etendue géographique
hormis les prestations d’assistance dont vous bénéficiez au domicile (chapitre 7), la garantie s’applique au Grand-Duché de Luxembourg au-delà de 10 km de votre domicile et aussi à l’étranger dans tous les pays faisant partie des zones Europe et Monde (voir 1.5).
Vehicle technical damage exclusion period
Vehicle technical failures occurring within 5 days after contract effective date are not covered
SourceMinimum claim threshold
Medical expense claims below 12 EUR are not reimbursed
SourceSource no longer reachableClause 1.7.9°Page 5Section: Chapitre 1. Conditions d'application du contrat > 1.7 Modalités d'application > 9° Remboursement de frais
Les frais inférieurs à 12 EUR ne seront pas remboursés.
Payment method: Direct settlement vs. reimbursement
Europ Assistance organizes and directly covers transport/repatriation costs. Medical expenses abroad are reimbursed after primary health insurance/mutual fund intervention upon presentation of original documentation
SourceSource no longer reachableClause 2.3Page 7Section: Chapitre 2. Assistance aux personnes en cas de maladie, accident corporel, décès, catastrophes naturelles > L/E 2.3 Transport/rapatriement du malade ou du blessé
Nous organisons et prenons en charge votre transport au départ de l'établissement où vous vous trouvez. […] Nous vous remboursons dans la limite du montant assuré, le solde de vos débours médicaux après intervention de votre mutuelle ou assurance maladie, sur présentation de son décompte original et d'une copie des notes et factures de frais.
Redion (anciennement Europ Assistance) Travel insurance