Travel Insurance for Belgium: Best Online Options

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Alright, globetrotters!

You’re gearing up for your fantastic trip to Belgium, the land of waffles, chocolate, beer, and mind-blowing architecture. But wait, let’s not forget that essential travel companion – your travel insurance.

You want to ensure that you’re well-protected while munching on waffles and sipping Trappist beers.

So, without further ado, let’s dive into the nitty-gritty of travel insurance for Belgium.

Is Travel Insurance Necessary for Belgium?

While travel insurance is not mandatory for Belgium, it’s a wise decision to have it.

You might be thinking, “Belgium is safe, so why bother?”

Well, my friend, life can be unpredictable, and accidents can happen, even in the land of Tintin and Smurfs.

Having travel insurance means you can explore Belgium without worries, knowing you’re protected if things go sideways.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

The Infamous Schengen Zone: Do I Need Specific Insurance?

Belgium is part of the Schengen Area, which comprises 26 European countries that have abolished passport and other border controls.

If you need a Schengen visa, you must have travel insurance that covers medical expenses, repatriation, and evacuation for a minimum amount of €30,000.

So, be sure to get a policy that meets the Schengen visa requirements to avoid any hiccups during your trip.

Health Insurance vs. Travel Insurance: What’s the Difference?

While health insurance covers medical expenses in your home country, travel insurance goes beyond that.

It covers not only medical emergencies but also trip cancellations, lost luggage, and other unforeseen events that may occur during your trip to Belgium.

So, think of travel insurance as your superhero sidekick that’s got your back when you need it most.

How to Choose the Perfect Travel Insurance for Your Belgium Adventure

With so many options out there, choosing the right travel insurance policy can be a bit overwhelming. But fear not, we’ve got some tips to help you pick the perfect policy for your Belgian escapade:

  • Coverage:
    Make sure the policy covers medical emergencies, trip cancellations, lost or damaged luggage, and other potential issues.
  • Limits:
    Check the coverage limits to ensure they’re adequate for your needs.
  • Exclusions:
    Read the fine print for any exclusions that might apply to your trip, such as pre-existing conditions or high-risk activities.
  • Deductible:
    Consider the deductible amount (the amount you have to pay before the insurance kicks in), as it can impact your out-of-pocket expenses.
  • Reputation:
    Choose a reputable insurance provider with excellent customer service and a proven track record of handling claims.

Belgium on a Budget: How Much Will Travel Insurance Cost?

Travel insurance prices can vary depending on factors like your age, trip duration, coverage, and policy limits. Generally, you can expect to pay anywhere from 4% to 10% of your trip cost.

While it might seem like an extra expense, remember that peace of mind is priceless.

Plus, it’s a small price to pay for the assurance that you’re protected during your Belgian adventure.

Quick Tips for Filing a Travel Insurance Claim in Belgium

In the unlikely event that something goes wrong during your trip, here are some tips for filing a travel insurance claim:

  • Keep all receipts and documentation related to your claim.
  • Notify your insurance provider as soon as possible.
  • Be thorough and honest when providing information about the incident.
  • Follow the insurance provider’s instructions for submitting your claim.

So, there you have it – your comprehensive guide to travel insurance for Belgium.

With the right policy in place, you can indulge in mouth-watering waffles, take in the stunning architecture, and immerse yourself in the vibrant culture of this beautiful country without a care in the world.

Tapping into Belgium’s Rich Cultural Heritage

As you travel through Belgium, you’ll discover a treasure trove of history, art, and culture. From the medieval city of Bruges to the bustling metropolis of Brussels, there’s something for everyone.

Don’t forget to explore the countless museums, art galleries, and architectural masterpieces that showcase Belgium’s diverse heritage.

And remember, your travel insurance policy may cover you for unforeseen events, like museum closures due to unexpected circumstances.

Adventure Seekers: Are You Covered for High-Risk Activities?

Belgium may not be the first destination that comes to mind for adrenaline junkies, but the country offers its fair share of outdoor pursuits.

Whether you’re into rock climbing, mountain biking, or even kayaking through enchanting caves, Belgium has got you covered.

Before you embark on these thrilling adventures, double-check your travel insurance policy to make sure high-risk activities are covered.

If not, consider adding supplemental coverage to keep you protected during your adrenaline-fueled escapades.

Travel Insurance for Students and Expats in Belgium

If you’re heading to Belgium as a student or expat, you’ll need to consider a more comprehensive insurance policy that covers you for an extended period.

Look for policies tailored specifically for students or expats, as they may offer additional benefits, like coverage for tuition fees, mental health support, or repatriation in case of a family emergency.

The Bottom Line: Travel Insurance for Belgium

With the right travel insurance policy in your back pocket, you’re all set to explore the enchanting landscapes, indulge in delicious culinary delights, and immerse yourself in the rich culture of Belgium.

So, pack your bags, grab your insurance policy, and get ready to create unforgettable memories in this captivating country.

Now, go forth, my fellow travelers, and let the land of waffles and beer embrace you with open arms.

And remember, a well-chosen travel insurance policy is your trusty sidekick that ensures your Belgian adventure remains as smooth and enjoyable as possible. Cheers to that!