Home > Blog > Everyday > Expats: prepare for your winter trip home with appropriate insurance
Expats: prepare for your winter trip home with appropriate insurance
As the winter holidays approach, many foreign residents are getting ready to return home to see their family and friends. While the excitement of travel is evident, it is crucial not to overlook an essential aspect of your preparations: travel insurance. A small precaution that is not excessive We explain how it supplements other coverage and insurance.
Travel insurance, national health insurance, supplementary health insurance, third-party liability insurance: you are wondering which one covers what during your winter holidays? This previous article clearly explains the differences between these insurance policies. Here, we will discuss the one that we often forget when returning home: travel insurance. What does it cover that other insurance does not? Here is the answer in six 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. The stress of travelling, the excitement of seeing friends and family again, trips here and there, meals and drinks, mountain sports, icy conditions or something that didn’t digest well: winter holidays
If you are heading to the mountains, it is common knowledge that winter sports accidents are rarely minor. Your national health insurance, combined with the supplementary health insurance policy, if you have one, covers medical and, if necessary, hospitalisation costs.
2. Benefit from mountain assistance
Did you know that neither your national health insurance nor your supplementary health insurance cover mountain rescue services? Moreover, in many countries – including France – these services are not free and are even very expensive. Travel insurance specifically covers these services, both on the ski slopes and off-piste.
3. Repatriation is included
Travelling by car or train with a broken leg: complicated, right? With travel insurance, stay calm: whatever the mode of transport you need to return to Luxembourg following an accident, the costs are covered.
4. Your luggage is covered up to €7,500
Your brand new snowboard was stolen while you were dozing on the train? With travel insurance, your luggage is covered. Against theft, but also against accidental loss or damage. And this insurance covers your suitcases or hand luggage as well as 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 your loved ones are waiting for you and you have specially prepared gifts for everyone.
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.).
7. 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.
