Foyer
Foyer is a travel insurance for the LU market with no online purchase and 24/7 assistance.
Direct payment
Foyer, in partnership with Europ Assistance, may advance medical expenses abroad on behalf of the insured. On return, the insured contacts social security for reimbursement of their share; Foyer covers the remainder not reimbursed by social security up to the policy limit.
Geographic scope
LU
Worldwide (outside Luxembourg)
Unique selling points
- Medical expenses abroad covered up to €1,000,000 when bundled with the mozaïk home insurance — well above the Luxembourg market standard for travel policies.
- 24/7 worldwide emergency assistance delivered in exclusive partnership with Europ Assistance, covering medical evacuation, repatriation, and translator support from any location globally.
- Fully modular product offering — available as a standalone temporary or annual policy, or seamlessly integrated into the mozaïk home insurance contract for all-in-one family protection.
- Foyer is Luxembourg's number-one insurer with over 130,000 households insured, providing locally grounded expertise and a dedicated agent network across the Grand Duchy.
- Emergency assistance and intervention costs (private ambulance, helicopter rescue, search and rescue) are explicitly covered — a gap left by both standard and supplementary health insurance in Luxembourg.
Coverage limits
Medical expenses abroad
Covered
Covers medical costs not reimbursed by social security up to €125,000 for a separate (standalone) policy, or up to €1,000,000 when the travel guarantee is included as part of a mozaïk home insurance policy.
Emergency medical treatment
Covered
Emergency medical treatment costs abroad are covered as part of the medical expenses guarantee, after social security intervention, up to the policy limit of €125,000 for standalone policies.
Hospitalisation abroad
Covered
Hospital stays abroad are covered under the medical expenses guarantee, including advance payment of hospital bills, up to €125,000 for standalone policies.
Outpatient treatment abroad
Covered
Outpatient consultations and treatments abroad are covered under the medical expenses guarantee, after social security intervention, up to €125,000 for standalone policies.
Emergency dental treatment
Conditional
Emergency dental treatment abroad is generally covered under the medical expenses guarantee; specific sublimit not evidenced in available sources.
Medical transport and assistance
Covered
Emergency assistance and medical transport costs (private ambulance, evacuation, search and rescue) not covered by standard health insurance are covered by the travel assistance guarantee, in partnership with Europ Assistance, 24/7 worldwide.
Medical evacuation
Covered
Medical evacuation organised by Europ Assistance is covered, regardless of the logistical solution required (special flight, ambulance, accompanied transport, etc.).
Repatriation of remains
Covered
Repatriation to Luxembourg is covered including all necessary logistical arrangements, organised 24/7 in partnership with Europ Assistance.
Search and rescue
Covered
Search and rescue costs are covered under the travel assistance guarantee; these costs are not covered by standard health or supplementary health insurance and can be significant abroad.
COVID-19 treatment
Conditional
COVID-19 treatment abroad is covered under the general medical expenses guarantee as an illness; specific COVID-19 sublimit not evidenced in available sources.
Pre-existing medical conditions
Conditional
Pre-existing conditions are a relevant consideration for travel insurance eligibility; coverage details and any exclusions or conditions must be verified at subscription. Specific terms for pre-existing conditions are not publicly detailed in available marketing sources.
Winter sports cover
Conditional
Medical and assistance costs arising from winter sports accidents are covered under the travel medical and assistance guarantees. Specific winter sports sublimit or add-on not explicitly detailed in available public sources; the travel assistance covers mountain rescue and helicopter costs.
Adventure sports cover
Conditional
Coverage for adventure and high-risk sports is not explicitly confirmed or excluded in available public sources; customers are advised to review policy terms for specific activities.
Pregnancy complications
Conditional
Specific coverage for pregnancy complications is not detailed in available public sources. Standard medical expenses abroad may cover unforeseen pregnancy-related emergencies, subject to policy terms.
Personal liability abroad
Conditional
Personal liability (RC) cover abroad is available in combination with travel insurance; it is typically included in the mozaïk home insurance policy. Standalone travel policy personal liability terms are not explicitly detailed in available public sources.
Legal assistance and translation abroad
Covered
Travel assistance via Europ Assistance includes translator support and guidance for administrative formalities abroad, available 24/7.
24/7 worldwide assistance
Covered
24/7 worldwide travel assistance provided in partnership with Europ Assistance, covering medical emergencies, repatriation coordination, translator support, and guidance at any time from anywhere in the world.
Key conditions
Assistance call deadline
In the event of a medical emergency abroad, contact Europ Assistance (Foyer's assistance partner) as soon as possible, ideally before incurring significant expenses, to receive guidance and authorisation for treatment.
Unauthorized treatment
Medical expenses incurred without prior contact with Europ Assistance may not be reimbursed or may be subject to reduced reimbursement; customers should always call the assistance line before engaging medical services abroad.
Purchase while abroad
For a temporary (single-trip) travel insurance, the contract must be subscribed within 3 days of booking. Other guarantees (medical, assistance) may be accessible even at the last minute, but trip cancellation cover requires subscription at least 1 month before departure.
Chronic conditions
Chronic and pre-existing conditions are a relevant eligibility consideration; coverage for chronic conditions abroad is subject to policy terms and must be confirmed at subscription with a Foyer agent.
Pregnancy
Specific pregnancy coverage conditions are not publicly detailed; unforeseen pregnancy complications as emergencies may be covered under general medical expenses. Customers should verify conditions at subscription.
pre_existing_conditions
Pre-existing medical conditions must be declared at subscription. Coverage for these conditions abroad is subject to policy terms and potential exclusions; customers should inform their Foyer agent of any pre-existing conditions.
coverage_duration_limit
The policy is available as a temporary (single-trip) policy or as an annual policy for frequent travellers. The temporary policy covers a single declared trip; the annual policy covers multiple trips throughout the year.
Where to buy
Policy specifics
Luggage and personal property
Coverage for lost, stolen, or damaged luggage: up to €5,000 for separate policies or €7,500 as option in mozaïk policy; includes cash and valuables
Travel assistance and repatriation
24/7 worldwide assistance in partnership with Europ Assistance, including medical repatriation to Luxembourg, translator support, and emergency assistance
Trip cancellation and early return
Coverage for cancellation or amendment costs if illness, accident, or other covered event prevents departure; covers early return costs
Minimum subscription period for trip cancellation
For temporary travel insurance, subscription must occur within 3 days of booking for validity
Family coverage option
Travel insurance can cover whole family during trips abroad with family formula option