Travel insurance for Belgium

Compare travel insurance for your holiday to Belgium

Do I need travel insurance for 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.

Travel insurance for Belgium
  • What should my travel insurance policy cover?

    Your travel insurance can protect you against things that could impact your trip, and standard policies should include cover for:

    • Cancellation and delays
    • Missed transport beyond your control
    • Emergency medical cover
    • The cost of getting you home if you get injured or become seriously ill (known as repatriation)
    • Lost, damaged, and stolen baggage or personal belongings
    • Travel expenses for a friend or family member to be with you or travel back with you if you’re injured or unwell
    • Personal liability

    You can also buy policy add-ons to tailor cover to your specific needs and situation.

  • What won’t my travel insurance policy cover?

    It’s important to understand the exclusions and what your travel insurance policy won’t protect you against.

    Typical exclusions include:

    • Taking part in high-risk sports and activities
    • Claiming for an undeclared pre-existing medical condition
    • Travelling against government advice
    • Accidents and injuries that happen when you’re under the influence of alcohol or drugs
    • Missed departure because you were stuck in traffic or overslept
    • Stolen or missing items when your belongings were left unattended
    • Strikes and industrial action if the date was known when you booked your trip

Will an EHIC or GHIC cover me in Belgium?

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.

Top tips for travelling to Belgium

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:

  1. Sample Belgian beer

    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

  2. Dine in style

    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

  3. Walk around a flower carpet

    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

  4. Tour the Flanders Fields

    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

  5. Dress for all weathers

    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

  6. Take a Bruges canal trip

    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

Covid-19 and travelling to Belgium

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.