Whether you are visiting loved ones, discovering a new destination or simply taking a break, it is essential to prepare your trips well. Which includes taking out the right insurance. Too often overlooked, travel insurance is a valuable addition to your other home and health cover. Here’s why it can make all the difference. What does it cover that other insurance policies don’t? Here are six key points.
1. You have had an accident abroad? You are better reimbursed
The first and most obvious reason to have travel insurance is to cover the risk of an accident. Holidays often mean a fast pace, strong emotions and a variety of activities. Whether it’s a misstep during a walk, an accident at a family barbecue or digestive problems during a road trip, incidents can happen quickly.
With travel insurance, you are covered in addition to your health insurance and supplementary health insurance: medical expenses, consultations, hospitalisation abroad… everything is covered according to the cover you have chosen.
2.
Emergency costs are often overlooked… but not by us!
Did you know that neither your health insurance nor your supplementary health insurance covers the costs of emergency assistance or intervention (private ambulance, evacuation, search, etc.)? Moreover, in many countries these services are not free and are even very expensive. Travel insurance specifically covers this type of assistance, even in remote or poorly served areas.
3. Repatriation is included
An accident or illness during a trip can quickly complicate your return home. Getting on a train or driving a car in such circumstances can sometimes be impossible. With travel insurance, you are covered for medical repatriation to Luxembourg, regardless of the logistical solution required (special flight, ambulance, accompanied transport, etc.).
4. Your luggage is covered up to €7,500
Theft of your hand luggage at the station, loss of your suitcase during a stopover, damage to your tablet during a journey… these situations are frustrating, especially when you are far from home. With our travel insurance, your luggage is covered against theft, damage or accidental loss, including your valuables.
5. You benefit from 24/7 support
As an emergency can occur at any time of the day or night, our travel assistance can be reached 24/7, worldwide. They will tell you what steps to follow and help you if you have language problems.
6. Cancelled departure? Your cancellation fees are covered
Sometimes unforeseen circumstances prevent you from travelling. This is always a disappointment, especially when the trip has been planned for a long time and everything is organised.
Fortunately, travel insurance includes cancellation cover that applies in the following situations:
- You need to change
your travel dates, resulting in additional costs; - An accident
or illness prevents you from
departing; - You need to cancel for
any other covered reason (death of a
relative, flood, delay due to a traffic accident, etc.).
You
can take out this insurance even at the last minute
Don’t worry: even a few days before you leave, it’s not too late to take out travel insurance!
An important point to note: if you wish to benefit from the trip cancellation, it must be taken out at least one month before your departure. This coverage allows you to be reimbursed if you have to cancel your trip for a reason covered by the policy. However, all the other guarantees mentioned remain fully accessible, even at the last minute.
Don’t let urgency compromise your peace of mind – it takes just a few minutes to insure your trip and leave with peace of mind.”
At Foyer, travel insurance is either an option of mozaïk, our customisable home insurance, or a separate policy. With the second option, you can choose between temporary cover – for a single trip – or an annual policy, depending on the number of trips you plan for that year. The family formula covers all members of your family.
A doubt? Our agents are here to help you choose the right package.
