Europ Assistance
Europ Assistance is a travel insurance for the LU market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
LU
Worldwide (Zone Europe + Zone Monde) excluding countries in civil or foreign war, under international sanctions, and specifically excluding North Korea, Syria, Crimea. For the Annuel contract, coverage applies in Luxembourg from 10 km from home and abroad in all covered countries. Each trip abroad covered up to 3 consecutive months.
Unique selling points
- Medical expenses abroad covered up to EUR 1,250,000 per person per event — one of the highest limits available for an annual travel assistance product in Luxembourg.
- All transport/repatriation decisions are managed and fully funded by Europ Assistance's in-house 24/7 medical team, with no monetary cap on repatriation costs.
- Official search and rescue costs up to EUR 5,000 are included for ski accidents (on-piste and off-piste with accredited instructor), at no extra premium.
- Vehicle breakdown assistance (towing, spare parts dispatch, repatriation of vehicle and passengers) can be bundled with the annual travel policy as an optional add-on for Luxembourg-registered vehicles.
- Comprehensive household and home-assistance benefits are included as standard: locksmith reimbursement up to EUR 62, emergency hotel up to EUR 65/night, and utility vehicle hire up to EUR 250 for home disaster situations.
Coverage limits
Medical Expenses Paid Abroad
Covered
Reimbursement of medical expenses incurred abroad (medical/surgical fees, prescribed medications, hospitalisation costs, local ambulance, emergency dental up to EUR 125, hotel stay extension up to EUR 500) up to EUR 1,250,000 per insured person per event, after intervention of the insured's mutual/health insurance. A deductible of EUR 60 applies on the amount remaining after mutual intervention. For insureds not affiliated with or not compliant with a mutual fund, coverage is capped at EUR 1,240 in total.
Emergency Medical Treatment Abroad
Covered
Coverage of emergency medical and surgical treatment received abroad resulting from an unforeseen illness or bodily accident without prior history, up to EUR 1,250,000 per insured per event after mutual/health insurance intervention. The illness or accident must have an unpredictable character and no known prior history.
Hospitalisation Costs Abroad
Covered
Hospitalisation costs abroad are included within the overall medical expenses limit of EUR 1,250,000 per person per event, after mutual/health insurance intervention. In case of hospitalisation, Europ Assistance must be notified the same day or within 48 hours at the latest. Coverage of hospitalisation costs ceases when repatriation becomes possible.
Outpatient / Ambulatory Medical Care Abroad
Covered
Outpatient (ambulatory) medical care abroad including medical fees and prescribed medications is covered within the EUR 1,250,000 overall medical expenses limit. For ambulatory expenses, a doctor's report addressed to Europ Assistance's medical team must be provided.
Emergency Dental Care Abroad
Covered
Emergency dental treatment abroad following a bodily accident or acute crisis (prostheses excluded) is covered up to EUR 125 per insured person, within the overall EUR 1,250,000 medical expenses limit.
Medical Transport / Repatriation of Ill or Injured Person
Covered
Europ Assistance organises and fully covers transport/repatriation of the ill or injured insured from abroad to their home or a nearby hospital in Luxembourg, including any necessary medical or paramedical supervision during transport. Local ambulance costs are included in the medical expenses reimbursement. All transport/repatriation must be approved in advance by Europ Assistance's medical team.
Medical Evacuation
Covered
Europ Assistance organises and covers the medical evacuation of the insured from a foreign medical facility to another or to a hospital near their home in Luxembourg. The decision on means of transport (including air ambulance if required) is made solely by Europ Assistance's medical team based on the insured's medical interest. No monetary cap is specified for this assistance service.
Repatriation of Remains
Covered
In the event of death abroad, Europ Assistance organises and covers transport of the body from the hospital or mortuary abroad to the location in Luxembourg designated by the family, including funeral preparation costs and coffin costs up to EUR 620. Ceremony and burial/cremation costs remain with the family. If buried/cremated abroad, equivalent costs including a return flight for a close family member are covered up to the same total amount.
Search and Rescue Costs (Ski Accident)
Covered
Reimbursement of official rescue organisation search costs when the insured is injured during a snow sports activity (on or off-piste), up to EUR 5,000. Off-piste accidents are only covered if the insured is accompanied by an instructor from an accredited organisation. An attestation from rescue or police services certifying the injured person's identity is required.
COVID-19 Treatment
Conditional
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.
Pre-existing Medical Conditions
Excluded
Known pathological conditions prior to departure are explicitly excluded from coverage, as are relapses or aggravations of an illness or pathological condition established before the trip. Only the first manifestation of depression or mental illness may be covered.
Winter Sports Coverage
Covered
Coverage for accidents on and off ski slopes is included. Transport costs from the accident site to the nearest hospital are reimbursed, and official rescue search costs are covered up to EUR 5,000. Off-piste is covered only if accompanied by an accredited instructor. Medical expenses from such accidents are covered under the standard medical expenses clause.
Adventure Sports / Motorised Competition Coverage
Excluded
Incidents or accidents occurring during motorised events (races, competitions, rallies, raids) are explicitly excluded. The policy does not specifically mention general adventure sports as covered or excluded beyond this exclusion and the ski off-piste condition.
Pregnancy Complications
Conditional
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.
Personal Liability
Excluded
Personal liability is not included as a coverage benefit under the Annuel travel assistance product. The T&C mention that personal liability coverage does not apply if travelling in Iran or Venezuela, but there is no general personal liability guarantee described in the standard coverage chapters of this product.
Legal Assistance Abroad (Judicial Proceedings)
Covered
In the event of judicial proceedings abroad following an accident, Europ Assistance advances: (1) the criminal bail required by authorities up to EUR 12,500 per insured, and (2) lawyer's fees up to EUR 1,250. The advance must be repaid within 3 months. Proceedings in Luxembourg resulting from actions abroad are not covered.
24/7 Assistance Helpline
Covered
Assistance services are accessible 24 hours a day, 7 days a week by phone (+32.(0)2.533.75.75). Medical information is also accessible 24/7. The general information service ('Infos') operates Monday to Saturday from 9:00 to 20:00.
Key conditions
Assistance call deadline
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.
Unauthorized treatment
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.
Purchase while abroad
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
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
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.
pre_existing_conditions
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
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.
Policy specifics
Medical Expenses Coverage Limit
Medical expenses paid abroad up to €1,250,000 for the Annual product
Repatriation of Injured or Ill Person
Repatriation of the injured or ill person and accompanying persons
Early Return on Hospitalization or Death
Coverage for early return in case of hospitalization or death of a close relative in Luxembourg
Vehicle Breakdown Assistance
Breakdown assistance from 10 km from your home, including battery failure, flat tire, fuel error
Trip Cancellation Coverage - 30 Day Requirement
If a trip is already booked, it must take place more than 30 days after the contract effective date to be covered against cancellation or modification
Governing Law - Belgian Law
The insurance contract is governed by Belgian law despite being sold in Luxembourg
Domicile Restriction
The product is intended for persons not domiciled in the Grand Duchy of Luxembourg
Contract Duration - 12 Months
The Annual contract is concluded for a duration of one year and is automatically renewed by tacit reconduction
Maximum Consecutive Trip Duration
Each covered trip abroad covers a maximum duration of 90 days consecutive
Vehicle Technical Failure - 5 Day Exclusion
Technical vehicle failures occurring within 5 days after the contract effective date are not covered