Compare Travel Insurance in Belgium
Compare the top travel insurance providers in Belgium — see cover, features and typical rates side by side.
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- Inter Assistance Travel BE
- Baloise Travel Insurance BE
- AG Insurance Travel BE
- ERGO Travel BE
- Belfius Travel Insurance BE
What is Travel Insurance in Belgium?
Travel insurance in Belgium (assurance voyage / reisverzekering) covers the costs that can turn a trip abroad into a financial shock: emergency medical treatment, repatriation, trip cancellation and lost baggage. Because Belgium is bilingual, policies and assistance lines are typically offered in both French and Dutch, and providers such as Europ Assistance BE and Inter Assistance BE staff round-the-clock help desks.
A key Belgian nuance is the European Health Insurance Card (EHIC), which entitles residents to state-provided healthcare within the EU on the same terms as locals. Travel insurance sits on top of the EHIC, covering private care, repatriation and non-medical risks the card does not.
How the Belgian market works
Cover is sold either as single-trip policies for one holiday or as annual multi-trip plans for frequent travellers. Banks and insurers including Baloise Belgium, Belfius Travel BE and KBC Travel Insurance BE distribute policies, while specialist assistance brands like Europ Assistance BE, ERGO Travel BE and Protect Travel BE focus on emergency response and repatriation.
Many Belgians already hold travel cover bundled with a premium payment card or a home-assistance contract, so it is worth checking existing benefits before buying a standalone AG Travel Insurance BE or Inter Assistance BE plan.
Benefits
Medical and repatriation — Covers emergency treatment abroad plus the substantial cost of flying you home, which the EHIC never pays for.
Cancellation cover — Refunds prepaid flights and accommodation if illness, bereavement or another insured event stops you travelling.
24/7 bilingual assistance — Belgian-rooted Europ Assistance and Inter Assistance run French and Dutch help lines that coordinate hospitals and transport.
Baggage and delay — Compensates for lost, stolen or delayed luggage and long departure delays.
How to choose
Decide first between single-trip and annual multi-trip: if you take three or more trips a year, an annual plan from Baloise Belgium or KBC Travel Insurance BE usually costs less overall. Check the medical and repatriation limits, the cancellation ceiling and whether existing conditions, winter sports or adventure activities are included.
Confirm the assistance provider and that it offers French and Dutch support, and read the excess (franchise) that applies per claim before committing.
Leading providers in Belgium
Europ Assistance BE is the best-known assistance and repatriation specialist, with deep Belgian roots. Bank-insurers Belfius Travel BE and KBC Travel Insurance BE bundle cover with accounts and cards, while Baloise Belgium and AG Travel Insurance BE are established general insurers. Inter Assistance BE, ERGO Travel BE and Protect Travel BE round out the market with dedicated travel and assistance products.
What it costs
A single-trip European policy typically starts around €20–€40, with €30 a fair benchmark for a week away. Annual multi-trip cover generally runs from roughly €60 to €150 depending on the medical limit, destinations (Europe versus worldwide) and whether cancellation is included. Family plans and higher medical ceilings raise the premium.
Bundled card cover can be effectively free but often carries lower limits and excludes cancellation, so compare the small print against a standalone policy.
Protections and regulation
Insurers and intermediaries in Belgium are supervised by the FSMA (Financial Services and Markets Authority), which oversees conduct, disclosure and the registration of brokers. Policies must set out cover, exclusions and the claims process clearly in French and Dutch.
The EHIC remains a statutory entitlement for EU public healthcare and complements — rather than replaces — private travel insurance for repatriation and cancellation.
Common questions
Do I still need travel insurance if I have an EHIC? Yes. The EHIC only covers state healthcare within the EU; it does not pay for repatriation, private clinics, cancellation or lost baggage, which travel insurance does.
Is single-trip or annual cover better? If you travel three or more times a year, annual multi-trip cover from a provider like KBC or Baloise is usually cheaper than buying separate single-trip policies.
Are my card benefits enough? Premium cards often include medical assistance but with lower limits and no cancellation cover, so check the terms before relying on them.
The cheapest Travel Insurance in Belgium is €30 /year from Inter Assistance BE.
Travel Insurance in Belgium — FAQ
What is the cheapest travel insurance in Belgium?
Giraffy tracks 5 travel insurance products across Inter Assistance BE,Baloise Belgium,AG Travel Insurance BE,ERGO Travel BE,Belfius Travel BE insurers in Belgium. The lowest tracked price is €30 /year. Compare by cover level and excess, not just price — a very cheap policy may have low medical cover limits or high excesses that leave you underinsured.
What should travel insurance cover as a minimum?
At minimum, look for: emergency medical treatment and repatriation (at least £5–10 million), trip cancellation and curtailment, baggage and personal effects, personal liability, and passport/travel document cover. Travel to the US requires especially high medical limits due to healthcare costs.
Is annual multi-trip travel insurance worth it?
If you take three or more trips per year, annual multi-trip insurance is almost always cheaper than buying single-trip policies. The annual policy covers an unlimited number of trips up to a maximum trip duration (typically 31–90 days). Check that all your planned destinations and activities are included.
Does travel insurance cover pre-existing medical conditions?
Standard policies often exclude pre-existing conditions or charge an additional premium to include them. Always declare medical conditions when applying — failure to disclose can invalidate your claim. Specialist providers offer cover for conditions like diabetes, heart disease, and cancer, though premiums will be higher.
Is adventure sports or extreme activities covered?
Most standard policies exclude or limit adventure sports — skiing, snowboarding, scuba diving, and other higher-risk activities require specialist cover or add-ons. If you're planning active travel, check the policy's activity list or take out a specialist policy that explicitly includes your planned activities.
What is the excess on a travel insurance policy and how does it work?
The excess is the amount you pay towards each claim before the insurer pays the balance. Higher excess = lower premium. Choose an excess you can comfortably afford — if your excess is £200 and your lost luggage claim is £150, you'll receive nothing. Check whether the excess applies per claim or per incident.