Compare the top travel insurance providers in Luxembourg — see cover, features and typical rates side by side.
19 live offers compared from 14 providers, from €30 /année. Updated daily.
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Travel insurance in Luxembourg protects you against the financial consequences of problems on a trip — medical emergencies abroad, trip cancellation, lost luggage, delays and personal liability. While the state health system (CNS) and the European Health Insurance Card cover much medical care within the EU, they do not cover repatriation, cancellation costs or travel outside Europe, so private travel cover fills those gaps. Policies are sold as single-trip or annual multi-trip, by insurers, banks and via premium payment cards that include travel benefits.
Travel cover is offered by the main insurers — Foyer, Allianz, AXA, Baloise, Lalux and NN — and is frequently bundled with premium bank cards and accounts. Many residents already hold some travel protection through a gold or platinum credit card, so the market splits between standalone policies for comprehensive cover and card-linked benefits for occasional travellers. Given Luxembourg's mobile, cross-border population, annual multi-trip policies and worldwide cover are common. Assistance services provide 24/7 multilingual help during emergencies abroad.
Medical and repatriation — Covers emergency treatment abroad and, crucially, the cost of bringing you home.
Cancellation cover — Reimburses prepaid costs if you must cancel or cut short a trip for a covered reason.
Baggage and delay — Compensates for lost, stolen or delayed luggage and significant travel delays.
24/7 assistance — Multilingual emergency helplines coordinate care and logistics anywhere.
Match the policy to how you travel: annual multi-trip suits frequent travellers, single-trip suits one holiday. Check the geographic scope (Europe vs worldwide), medical and repatriation limits, cancellation cover, and exclusions for pre-existing conditions, adventure sports or high-value gear. Verify whether cover you already have through a bank card is sufficient before buying a separate policy, and confirm the excess (deductible) you would pay per claim.
Foyer Assurances is the largest domestic insurer and a common choice, alongside Allianz, AXA, Baloise, Lalux and NN, all offering single-trip and annual travel policies. Premium cards from banks like BGL BNP Paribas and specialist providers also embed travel benefits. Providers differ on limits, exclusions and the quality of their assistance network, so read the cover levels rather than relying on the headline price.
Travel insurance is inexpensive relative to the protection it offers. Indicative pricing in the market is around €30 for a typical single-trip or entry-level policy, with annual multi-trip and worldwide or family cover costing more depending on age, destinations and limits. Card-embedded travel benefits carry no separate premium beyond the card fee. Always weigh the premium against the cover limits and excess rather than choosing on price alone.
Insurers and insurance intermediaries in Luxembourg are supervised by the Commissariat aux Assurances (CAA). Policies must meet EU insurance-distribution rules on clear pre-contract information, and disputes can be raised with the insurer and escalated to the CAA's mediation service or the ULC. Within the EU, the European Health Insurance Card remains a useful complement, but it does not replace private travel cover for repatriation and cancellation.
Do I need travel insurance if I have the EHIC? The EHIC covers only state medical care in the EU, not repatriation, cancellation or non-EU trips, so private cover is still valuable.
Is travel cover included with my bank card? Many premium cards include it, but limits vary; check whether it is adequate for your trip.
Are pre-existing conditions covered? Often excluded or requiring declaration; check the policy and disclose conditions to stay covered.
Single-trip or annual cover? Annual multi-trip cover is usually cheaper for frequent travellers, while a single-trip policy suits one holiday.
What is not covered? Common exclusions include undeclared pre-existing conditions, high-risk sports and losses from being under the influence, so read the policy carefully.
The cheapest Travel Insurance in Luxembourg is €30 /year from Allianz Luxembourg.
Giraffy tracks 5 travel insurance products across Allianz Luxembourg,Foyer Assurances,Lalux,NN Luxembourg,Advanzia Bank insurers in Luxembourg. 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.
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.
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.
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.
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.
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.