Foyer Assurances S.A.
Foyer
Foyer is a travel insurance for the Luxembourg market with no online purchase and 24/7 assistance.
Direct payment
Foyer's travel insurance product page (mozaïk Travel module / temporary or annual travel policies, via the Europ Assistance partnership) states that if the insured falls ill or has an accident during the trip, Foyer will take care of all medical expenses not covered by social security, up to €125,000 for a separate travel contract or up to €1,000,000 under the mozaïk guarantee. Foyer also provides 24/7 worldwide assistance, in partnership with Europ Assistance, to arrange the insured's return to Luxembourg. The published product description does not spell out in more detail whether the insurer/assistance partner always settles directly with the hospital or clinic versus reimbursing the policyholder afterwards; it is phrased as the insurer 'taking care of' costs via the Europ Assistance assistance network rather than describing a pure after-the-fact reimbursement process.
Geographic scope
Worldwide
Covers trips abroad; Foyer states you can count on assistance no matter the time or place, anywhere in the world.
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
Medical expenses abroad
€125,000 – €1,000,000
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.
Emergency medical treatment
€125,000 – €1,000,000
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.
Hospitalization abroad
€125,000 – €1,000,000
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.
Outpatient treatment
€125,000 – €1,000,000
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.
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.
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.
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.
24/7 assistance
Covered
In partnership with Europ Assistance, Foyer Luxembourg offers assistance around the clock, 24/7, no matter the time or place.
Key conditions
Assistance call deadline
Not specified in the consulted sources.
Unauthorized treatment
Not specified in the consulted sources.
Purchase while abroad
Not specified in the consulted sources.
Chronic conditions
Not specified in the consulted sources.
Pregnancy
Not specified in the consulted sources.
Pre-existing condition exclusions
Not specified in the consulted sources.
Coverage duration limit
Not specified in the consulted sources.
Where to buy
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
SourceLuggage insurance
Coverage for lost, stolen, or damaged luggage up to €5,000 or €7,500 if part of mozaïk policy
SourceTrip cancellation insurance
Covers cancellation or amendment costs prior to trip start; reimburses in case of accident, illness, or specified insured reasons
SourceTravel assistance and repatriation
24/7 assistance partnership with Europ Assistance; covers medical repatriation to Luxembourg with various transport methods
SourceMozaïk integration option
Travel insurance can be purchased as standalone policy (temporary or annual) or integrated as module within mozaïk home insurance
SourceFamily coverage option
Policy can include all family members if family option is selected at purchase
SourcePolicy type flexibility
Policyholders can choose between single-trip temporary coverage or annual multi-trip coverage based on travel frequency
SourceSources
- https://www.foyer-lux-assurances.lu/en/assurance-voyages
- https://www.foyer-lux-assurances.lu/en/post/travel-with-peace-of-mind-the-benefits-of-travel-insurance
- https://www.foyer.lu/en/blog/enjoy-your-winter-sports-with-total-peace-of-mind-but-which-insurance-policies/
- https://www.foyer.lu/en/blog/what-is-travel-insurance-for/
- https://www.foyer.lu/en/individual/home-lifestyle/travel-insurance/