Compare travel insurance for your holiday to Belgium
It’s not compulsory to have travel insurance for Belgium - unless your trip’s longer than 90-days - but it’s highly recommended.
Travel insurance gives you financial protection against unexpected events and situations that might affect your plans, including urgent medical treatment and trip cancellation.
Plus, if you take out cover as soon as you book your trip, you’ll have protection from the outset. So, if something prevents you from travelling, you could claim for the cost of your holiday.
Your travel insurance can protect you against things that could impact your trip, and standard policies should include cover for:
You can also buy policy add-ons to tailor cover to your specific needs and situation.
It’s important to understand the exclusions and what your travel insurance policy won’t protect you against.
Typical exclusions include:
Yes, if you’ve got a European Health Insurance Card (EHIC) or the newer Global Health Insurance Card (GHIC), you can use it to get free or discounted emergency healthcare in European Union countries like Belgium.
But your card shouldn’t be used to replace travel insurance.
You’ll be required to pay a fee upfront for receiving emergency medical treatment in Belgium. It’s then possible to claim back up to 75% of the costs from the Belgian health insurance fund while you’re still in the country.
You won’t be able to use the health insurance cards for any private treatment though.
Travel insurance covers far more than an EHIC or GHIC, and can also offer protection against things like holiday cancellation, lost luggage, and public liability.
With its delicious cuisine and fascinating history, Belgium’s a great destination to explore and is ideal for a weekend break. Read our top tips on how to get the most from your visit:
You’ll be spoilt for choice with the huge variety of local beers on offer. Visit the Zythos Beer Festival in April, it’s one of the largest beer tasting festivals of its kind
Tuck into national favourites like waffles, chocolate, mussels and fries, or for something a little more special, try one of the many Michelin-starred restaurants in the country
Every two years, in mid-August, the Grand-Place of Brussels displays a colourful and beautifully scented carpet of more than half a million begonias
These wartime battlefields are a must for anyone interested in World War One. You can see preserved trenches and cemeteries as well as exploring the visitor centres
An old Belgian joke says the country has great weather - about 20 times a day. Summers are usually fine and mild, but it’s worth packing a brolly and raincoat
Bruges is one of Europe’s most picturesque medieval towns. Taking in the sights by boat is the perfect way to discover its secret gardens and ornate buildings
Before travelling to Belgium, you should check the Foreign, Commonwealth & Development Office (FCDO) travel advice.
This will give you the latest information on coronavirus, safety and security, and entry requirements. It will also let you know about any travel warnings you need to be aware of.
It’s also a good idea to check the TravelHealthPro website for the most up-to-date information on health risks and what you need to do before you travel.
If you’re travelling from the UK to Belgium, there are no longer any Covid-19 restrictions. So you won’t need to show any proof of vaccination or have a negative test result before you travel.
Entry rules and requirements may change though, so you should always check the most current information before you visit the country.
No, because Belgium is part of the EU and one of the 26 countries in the Schengen area that allows free travel, you won’t need a visa if your stay is less than 90 days.
You can travel to Belgium and other countries in the Schengen area for up to 90 days in any 180-day period without needing a visa.
To be allowed entry into Belgium and other Schengen countries, your passport must be:
If you’ll be travelling with children, the border guards in Belgium may ask you to provide proof of your relationship to the children you’re accompanying.
Because of this, it’s recommended that you carry proof - like a birth certificate - as evidence, particularly if your surname is different to the children’s.
The Belgian healthcare system is seen as one of the best in Europe and is divided into public and private hospitals and clinics.
Belgium healthcare is subsidised rather than free, so most Belgians take out private health insurance to help cover the costs.
Standard travel insurance doesn’t cover you for acts of terror, including if a terrorist attack or threat causes cancellations or damage to personal belongings.
However, some policies will pay out if someone listed on the policy is injured or killed as a result of terrorism.
To make sure you’re covered, you can buy a separate terrorism insurance add-on. But be aware that this won’t cover you for particularly risky countries - these will be listed on your policy.
Most travel insurance policies won’t cover you to travel anywhere that’s advised against by the FCDO.
Your travel insurance should cover you if you’re injured in a motoring accident. And it may provide cover if your car’s broken into and your possessions are stolen, as long as they were hidden out of sight.
If you’re involved in a car accident, your travel insurance is likely to cover you for emergency medical care, although exclusions will apply if you were under the influence of drugs or alcohol.
But you won’t be covered for personal liability if you’re driving in Belgium and you injure other people or cause damage to their car or possessions.
If you’re taking your own car to Belgium, check your car insurance will cover you for this and for driving your car abroad.
For rental cars, most will include insurance as part of the rental agreement, but you’ll need to check what exactly it covers before you set off.
No, healthcare and hospital treatment in Belgium isn’t free. You’ll have to pay a daily charge for treatment, and you may also have to pay an admittance fee if you need a hospital stay.
The EHIC or GHIC will entitle you to receive treatment at the same cost that Belgian citizens must pay.
You’ll be required to pay the fees up front and then you can claim to be partially reimbursed from the Belgian health insurance fund while you’re in the country.
When you’re getting treatment, make sure the doctor gives you a receipt as proof of the amount you’ve paid.
Belgium is home to three official languages and plenty of regional dialects. The three main languages spoken here are Dutch, German, and French.
Flemish Dutch is the most spoken of the three and French is the primary language for around 40% of Belgians.
Many Belgians also speak English as a second language.