Extracted from source documents

Foyer Travel insurance (Travel Insurance)

Underwritten by Foyer · Luxembourg

travel insurance from Foyer for the Luxembourg market, with 24/7 assistance.

Verified Aug 30, 2026 · Terms dated 2021-09-30Sources

24/7 helpline

Unique selling points

Travel medical cover can reach up to €1,000,000 when taken as an option within the mozaïk home insurance policy, well above the €125,000 ceiling of a standalone policy.

Luggage is protected up to €7,500 as part of mozaïk versus €5,000 under a standalone policy, including cash and valuables against theft.

24/7 worldwide assistance is provided in partnership with Europ Assistance, no matter the time or place.

Cover can be tailored as a mozaïk travel module, a temporary single-trip policy, or an annual multi-trip policy depending on travel frequency.

A family option extends coverage to the policyholder's spouse, partner, and children under a single travel insurance contract.

Coverage limits

Covered

Medical expenses abroad

€125K – €1M

Covers medical costs not reimbursed by social security up to €125,000 under a separate travel policy (temporary or annual), or up to €1,000,000 if travel cover is taken as an option within the mozaïk home insurance policy.

Section: Your cover

In the event you get ill or are involved in an accident, we cover any medical costs that the social security doesn’t cover up to €125,000 for separate policies or up to €1,000,000 if you select the option as part of your mozaïk policy.

Covered

Emergency medical treatment

€125K – €1M

Emergency medical treatment abroad falls under the same overall medical expenses ceiling described above (€125,000 standalone / €1,000,000 mozaïk option); no separate sub-limit is stated.

Section: Your cover

In the event you get ill or are involved in an accident, we cover any medical costs that the social security doesn’t cover up to €125,000 for separate policies or up to €1,000,000 if you select the option as part of your mozaïk policy.

Covered

Hospitalization abroad

€125K – €1M

Hospital stays abroad are covered as part of the general 'medical costs' guarantee, subject to the same overall ceiling (€125,000 standalone / €1,000,000 mozaïk option); no separate hospitalization sub-limit is stated.

Section: Your cover

In the event you get ill or are involved in an accident, we cover any medical costs that the social security doesn’t cover up to €125,000 for separate policies or up to €1,000,000 if you select the option as part of your mozaïk policy.

Covered

Outpatient treatment

€125K – €1M

Outpatient medical treatment abroad is covered as part of the general 'medical costs' guarantee, subject to the same overall ceiling (€125,000 standalone / €1,000,000 mozaïk option); no separate outpatient sub-limit is stated.

Section: Your cover

In the event you get ill or are involved in an accident, we cover any medical costs that the social security doesn’t cover up to €125,000 for separate policies or up to €1,000,000 if you select the option as part of your mozaïk policy.

Covered

Medical transport

Covered

24/7 assistance partnership with Europ Assistance covers medical repatriation to Luxembourg, with repatriation methods including special flight, ambulance, or accompanied transport as needed; no monetary limit stated.

Abroad, a little issue can quickly become a serious problem. You can count on Foyer Lux-Assurances anytime and anywhere in the world. Foyer offers you 24-hour assistance, in partnership with Europ Assistance, to return to Luxembourg.

Covered

Medical evacuation

Covered

Foyer, in partnership with Europ Assistance, organizes medical repatriation/evacuation to Luxembourg via special flight, ambulance, or accompanied transport as needed; no monetary limit stated.

Abroad, a little issue can quickly become a serious problem. You can count on Foyer Lux-Assurances anytime and anywhere in the world. Foyer offers you 24-hour assistance, in partnership with Europ Assistance, to return to Luxembourg.

Covered

Winter Sports Cover

Covered

According to Foyer's own blog content on winter sports insurance, the Travel module of Foyer's mozaïk insurance covers events not fully covered by travel/personal-accident or liability insurance, including luggage, trip cancellation, reimbursement of the stay, and mountain rescue services both on-piste and off-piste. No single euro figure for the search-and-rescue/mountain rescue limit is stated in the available product description; it is presented qualitatively as an included benefit of the Travel module.

Section: The role of each insurance policy > Travel insurance

There are still a few elements that the two previous insurances that do not cover you in full: your luggage, cancellation of your trip, reimbursement of your stay, mountain rescue services, on and off-piste. All of these are covered by travel insurance.

Covered

24/7 assistance

Covered

In partnership with Europ Assistance, Foyer Luxembourg offers assistance around the clock, 24/7, no matter the time or place.

Section: Your cover

A small issue can quickly turn into a big problem when you’re abroad. No matter the time or place, you can always count on us. In partnership with Europ Assistance, Foyer Luxembourg offers you assistance around the clock, 24/7.

Key conditions

Territorial scope

Covers trips abroad; Foyer states you can count on assistance no matter the time or place, anywhere in the world.

Documents

IPID mozaïk Edition 30/09/2021 (opens in a new tab)

Product information sheet · PDF

General Conditions portal (customer login required) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Medical expenses abroad

Coverage for medical treatment and hospital stays abroad, up to €125,000 for separate policies or €1,000,000 for mozaïk policy option

Source

Section: Your cover

In the event you get ill or are involved in an accident, we cover any medical costs that the social security doesn’t cover up to €125,000 for separate policies or up to €1,000,000 if you select the option as part of your mozaïk policy.

Luggage insurance

Coverage for lost, stolen, or damaged luggage up to €5,000 or €7,500 if part of mozaïk policy

Source

Section: Your cover

Your luggage is insured if it gets lost, stolen or damaged for up to €5,000 or even to up to €7,500 if you select the option as part of your mozaïk policy.

Trip cancellation insurance

Covers cancellation or amendment costs prior to trip start; reimburses in case of accident, illness, or specified insured reasons

Source

Section: 4 good reasons to take out travel insurance

Cancellation insurance : provides the possibility to reimburse you in the event of cancellation or amendment costs prior to the start of your trip. In addition, if an accident or illness prevents you from going, or if you have to cut short your trip early for an insured reason (death of a loved one, flood, delay due to a traffic accident, etc.).

Travel assistance and repatriation

24/7 assistance partnership with Europ Assistance; covers medical repatriation to Luxembourg with various transport methods

Source

Abroad, a little issue can quickly become a serious problem. You can count on Foyer Lux-Assurances anytime and anywhere in the world. Foyer offers you 24-hour assistance, in partnership with Europ Assistance, to return to Luxembourg.

Mozaïk integration option

Travel insurance can be purchased as standalone policy (temporary or annual) or integrated as module within mozaïk home insurance

Source

Family coverage option

Policy can include all family members if family option is selected at purchase

Source

Section: It’s not too late to act, even just before you head off

In any case, Foyer ensures that you and all your family (if you select a family option) enjoy a safe holiday.

Policy type flexibility

Policyholders can choose between single-trip temporary coverage or annual multi-trip coverage based on travel frequency

Source

Section: The 3 travel insurance solutions offered by Foyer > The annual policy for frequent travelers

People who take multiple trips throughout the year can opt for an annual plan.

Sources

Foyer Travel insurance

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