Everyone likes to travel without a care. If you encounter a problem on your travels, you want to be well-insured and able to rely on professional assistance.
What is covered by basic cover?
You will find various reimbursement ceilings in the table below. For more detail, we refer to the general terms and conditions which you can find with your premium simulation:
|Maximum travel time||90 days||180 days|
|MEDICAL EXPENSES REIMBURSEMENT|
|Medical expenses, urgent medical dental care abroad||€1,000,000 (€50 excess)||€3,000,000 (€50 excess)|
|Medical expenses after hospitalisation (max. 1 year) in your domicile||€2,500 per insured||€5,000 per insured|
|Urgent medical dental care in your domicile||€1,000||€1,500|
|PERSONAL ASSISTANCE ABROAD|
|Search and rescue costs||€5,000||€10,000|
|Assistance upon skiing accident||YES||YES|
|Reimbursement of unused amount with sports activities (for example, ski pass)||Up to €125||Up to €250|
|Repatriation of insured, vehicle, baggage as a result of a medical incident or death||YES||YES|
|Support for under-age children||€2.000||€3.000|
|Unexpected return from abroad due to hospitalisation or death of a family member or business partner, palliative care in the terminal stage of a family member||€1.000.000||€3.000.000|
|Response to disasters||NO||YES|
|TRAVEL ASSISTANCE ABROAD|
|Extension of travel||€75 per night per room (max. €750)||€150 per night per room (max. €1,500)|
|Cancellation, curtailment or interruption of the travel||€1,000 per incident per insured (€250 travel delay)|
Max. €1,250 per year per insured
|€2,500 per incident per insured (€300 travel delay)|
Max. €3,000 per year per insured
|Miss departure and delay||€500||€1,000|
These include reasonable costs made necessarily for medical, surgical or other diagnostic or remedying treatments. These should be administered or prescribed by a qualified doctor and comprise all hospital, nursing home and ambulance costs.
Dental care, optical expenses and routine pregnancy expenses are excluded unless they are caused as a result of an emergency.
This concerns medical expenses made during a medical repatriation or evacuation.
These medical expenses are limited to
All reasonable costs that were necessary for a room, accommodation only.
All sports are included except professional competitions and excluding sports or leisure time activities with which considerable risk exists (extreme sports).
This cover protects you against legal costs made by you or your legal representative in exercising a claim made against a third party who has accidentally caused you personal injury or disease or your death during the travel.
This cover protects you for an event or series of events (including legal costs), if you are held legally liable for the payment of claims for accidental personal injury of a third party or accidental loss or damage to properties that took place during travel.
This cover protects you against unpaid payments, paid or contracted, to be paid for travel, accommodation and unused advanced booked excursions (including extra travel costs made for return to your home) if the upcoming travel would be cancelled before the start or shortened before its completion as a direct result of:
Suitable pieces of evidence must be provided as proof of the need to cancel or reduce a journey, including medical information, if necessary.
This cover protects against all reasonable and necessary expenses charged by the Crisis Response Consultant. These were necessitated and directly and exclusively incurred as a result of the management of a potential, actual or threatening crisis event.
It also covers reasonable extra costs such as prior-approved costs charged by Crisis Response Consultants to the insured person. These were necessitated and directly and exclusively incurred as a result of the management of a potential, actual or threatening crisis event, including but not limited to:
A "crisis event" means any unstable or dangerous situation that is the direct result of serious personal injury or the death of an insured with little or no warning, as stated below:
The additional coverage below can be chosen as optional.
This cover pays for the damage incurred when you suffer personal injury because of an accident during the travel. The payment is made according to the coverage and upon a sufficiently substantiated damage claim.
This cover provides a reimbursement in the case of loss or damage of personal baggage, clothes, personal effects and money (including reasonable costs incurred as a result of loss of money).
If your personal baggage, clothes or effects are temporarily lost for more than twelve consecutive hours by the carrier during the travel, an intervention will take place for the purchase of immediate necessities up to the stated amount in the table above.
The payment is made as an 'Immediate need', but such a payment is deducted from the last claim if the loss turns out to be permanent.
Assistance insurance for people and vehicles is valid throughout Europe. You therefore enjoy the breakdown service throughout Europe.
You are entitled to a replacement car for 5 days (3 days in Belgium).
This assistance includes the following guarantees:
If you wish to be reimbursed for non-medical problems (baggage loss, ski resort closure, ...), please fill in the claim form at http://claims.qover.com.
For urgent assistance, please call immediately to Allianz Global Assistance:
Tel.: + 32 2 773 62 79
(available 24 hours a day, 7 days a week).