- Your needs
- 2The insurance
- 3Insured persons
- 4Finalisation
Your travel insurance
Guarantees included
| Refund of medical expenses | 3,000,000 € |
|---|---|
| Medical emergency abroad Excess: 50 € | Included up to amount of medical expenses |
| Dental emergency expenses abroad Excess: 50 € | 1,500 € |
| Medical expenses in your home country further to hospitalisation abroad | 5,000 € |
| Additional allowance in the event of hospitalisation abroad | 50 €/day (Max. 1000 €/year) |
| Repatriation assistance Insured persons, baggage and car included | Included |
|---|---|
| Assistance during your trip | Included |
|---|---|
| Search and rescue expenses | 10,000 € |
| Missed departure and delay | 1000 € |
| Accommodation in the event of assistance during the trip | 150 €/night/room (Max.1,500€/year) |
| Assistance in the event of a major crisis | 25,000 € |
| Taking care of minors/children | 3,000 € |
| Transport of remains | 1,000 € |
| Funeral expenses | 2,000 € |
| Civil liability | 1,000,000 € |
|---|---|
| Legal expenses | 25,000 € |
|---|---|
| Ski and winter sports assistance | Included |
|---|---|
| Unused ski pass | 250 € |
| Ski resort closure If an alternative is possible | 10 €/day (Max. 125 €/year) |
| Ski resort closure If no alternative is possible | 20 €/day (Max. 125 €/year) |
Also included in package
Optional add-ons
Trip cancellation insurance
With this insurance, you get reimbursed for expenses before or during the trip. It can be used in the event of an illness or death of one of the travellers or a close relative requiring your presence, but also in the event of an event making it impossible for you to leave (dismissal of an insured person, burglary at your home, crisis event in your country of destination, etc.).
Depending on expenses paid ahead of your trip, you can choose between 3 packages with different compensation limits per claim:
| 1,000 € / incident / insured person | Maximum of 1,250 €/insured person/year |
| 2,500 € / incident / insured person | Maximum of 3,000 €/insured person/year |
| 5,000 € / incident / insured person | Maximum of 6,000 €/insured person/year |
Concretely, what does this mean?
For instance, if you get injured and are not able to leave, we will refund all your non-recoverable expenses ahead of your trip (flights, hotels, tours, etc.) up to the compensation limit you chose for each of the insured persons. An excess of 50€ is applied per incident and per insured person.
Accident insurance
This insurance enables you to claim compensation in the event of a serious accident leading to the disability or death of one of the insured persons. The maximum amounts of compensation per insured person in case of accident are:
| Death | 50,000 € |
| Total and irrevocable loss of sight of both eyes | 50,000 € |
| Total and irrevocable loss of sight of one eye | 25,000 € |
| Loss of two limbs | 50,000 € |
| Loss of one limb | 25,000 € |
| Total and irrevocable loss of sight of one eye and one limb | 50,000 € |
| Permanent total disability (other than those listed above) | 50,000 € |
Baggage insurance
This insurance enables you to receive assistance and compensation if your belongings are delayed, stolen, lost or damaged. The maximum amounts of compensation per insured person in case of incident are:
| Valuables (eye glasses, contact lenses, watches, furs, jewellery, precious metals, audio and computer equipment) | 375 € |
| Photo or video equipment | 750 € |
| Mobile phone | 750 € |
| Professional equipment | 750 € |
| Sports equipment | 750 € |
| Money (excluding cash, banknotes or foreign currency) | 750 € |
| Money (cash, banknotes or foreign currency) | 750 € |
| Unspecified items: per item | 375 € |
| Delayed baggage | 375 € |
| Emergency replacement of clothing, medication and toiletries | 100 € |
Geographical coverage
This insurance covers you for your travels all over the world, including during your stays in Belgium, provided that at least one night is booked in advance.
Exclusion: travel to countries that the Belgian government advises you to avoid are not covered, consult the latest government advice for your destination before going on holiday.
Exclusions
The following are not covered. If you would like further information or clarification, please contact us, we will be happy to answer your questions.
Any incapacity, physical condition or illness that occurred before the start date of your insurance or before you signed the contract, until a period of one year has passed without your receiving treatment.
Any health condition for which you have already claimed compensation or requested an intervention during a previous trip.
Any circumstance which could reasonably be expected to lead to a claim at the start date of your coverage or when booking your trip (whichever was the latter of the two).
Pregnancy, birth or any subsequent medical complications if you are or will be seven or more months pregnant at any point during a trip.
Deliberate exposure to a major risk (unless in an attempt to save a life).
Sports or leisure activities with significant risks of physical injury, such as jet skiing, bungee jumping, quad biking, mountain climbing, etc.
Travel to countries against the advice of the Belgian government (red zones).
Legal expenses relating to proceedings against travel agents or family members.
This insurance policy does not cover any claim, fear or threat in any way caused by or resulting from coronavirus disease (COVID-19), nor from severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2), nor any other mutation or variation of SARS-CoV-2 disease.
To read the full list of exclusions, please consult our general terms and conditions.
Eligibility rules
To be able to claim for compensation, you will be required to comply with the following rules: If you would like further information or clarification, please contact us, we will be happy to answer your questions.
You have not yet started your trip.
The length of your trip does not exceed the period you specified in the contract.
High-risk activities are not covered (e.g. jet skiing, diving, etc.).
You do not already have a reason to make a claim.
Travels in Belgium are covered provided you have booked accommodation for at least one night before beginning your trip.
You have never been refused kidnapping insurance in the past (to be eligible for coverage for intervention in case of a crisis event).
Persons over 76 years old cannot be insured.
What to do in the event of an incident
Incidents during a trip are always difficult and stressful to manage and may sometimes have tragic consequences. This is why we do our utmost to make things as simple as possible for you.
You can file a claim online in less than 5 minutes.
How to manage an incident
- If an incident occurs during your holiday
- First of all, if the incident is serious, ensure you are safe and/or call the emergency services. If you have been a victim of theft, you need to go to the police and file a statement.
- If the incident is not serious and does not require emergency assistance, [you can easily file your claim online] (https://travel-belgium.paperform.co/.) in 5 minutes.
- Our experts will process your claim as soon as possible to determine the amount of your compensation. This is a simple and fast process.
- In the event of a serious incident*, call our direct number +32 2 773 62 08.
The experts of our partner Allianz Assistance will give your claim absolute priority and will do what is required to help you.
The following are considered to be serious incidents requiring emergency assistance: a medical or dental emergency during your stay abroad; search, rescue or repatriation of one of the insured persons; assistance further to a crisis event (natural disaster, terrorist incident, etc.); assistance in the event of a death.*
Insurance documents and information
You will find at the bottom of the page the insurance policy documents that you can read and download.
Always read the general terms and conditions carefully, so that you know exactly what conditions you must fulfil, what coverage is available and what is not covered.
If you have any further questions or need clarification, please contact us. Our team will be happy to help and guide you.
Further information is available in the FAQs
If you already have a travel insurance
You can take out your annual insurance policy today and specify a start date up to 3 months later. This means your coverage can begin on the day after your current contract expires.
You would like to insure a single trip? You can take out your travel insurance today, up to one year before your departure!
In all cases, don't forget to notify your insurer that you wish to cancel your policy at least 3 months before the renewal date of your contract.
How to cancel your contract
If you have an annual contract, you can cancel your policy by registered letter or registered email at least 3 months before the contract renewal date.
If you have an annual contract or a temporary contract of a duration of more than one month, you can cancel your policy within 14 days of purchase by sending us the withdrawal form received at the time of your order.
Please note: if you have purchased a single trip contract of a duration of one month or less, it cannot be cancelled.
Contact us
Legal documents
- Tempo Travel Insurance information sheet
- Multi-Trips and Multi-Trips + Travel Insurance information sheet
- Long Trip Travel Insurance information sheet
- General terms and conditions for Tempo, Multi-Trips and Multi-Trips + Travel Insurance
- General terms and conditions for Long Trip Travel Insurance
- Privacy policy
Legal mentions
- This travel insurance is taken out with Lloyd’s Insurance Company S.A., a Belgian limited-liability company, the registered office of which is at Bastion Tower, Marsveldplein 5, 1050 Brussels, and which is registered with the Crossroads Bank of Enterprises (Kruispuntbank van Ondernemingen) under No. 682.594.839 RPM (Brussels). This insurance company operates under the supervision of the National Bank of Belgium. Lloyd's Insurance Company S.A. is authorised to supply services in Belgium under the freedom to provide services.
- This travel insurance is managed by Qover S.A. - a non-tied insurance agent authorised and regulated by the Financial Services & Markets Authority (FSMA - Belgium - registration No. 0650.939.878). Registered office: Rue du Commerce 31, 1000 Brussels, Belgium. Qover-me travel insurance is a non-life insurance product (Branch 18).
- Your contract is entered into for a period of one year or for a period determined by your package.
- If you have taken out a 1-year contract, it shall be tacitly renewed for consecutive periods of one year.
- If you have taken out short-term insurance, the duration of your contract is the time specified by you and which is included in your special terms and conditions.
- This insurance policy is subject to Belgian law.