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Grand Place square in Brussels, Belgium, with the ornate Town Hall spire and guildhalls under a wide sky

Travel Insurance for Belgium

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Fully Covered with LUMA

From busy rail connections and cobbled city streets to festival weekends and day trips between regions, LUMA travel insurance keeps you covered in Belgium.
  • 4.8
  • 4.0 Rating

  • Trusted by 100,000+ travelers

  • A decade of travel cover

  • Backed by medical guidance

  • Instant online purchase

Is My Baggage, Health, Trip Covered?

  • damage, loss
  • sudden sickness, hospital expense
  • delays, cancellations

Yes!

  • On-the-ground teams and global partners ensure care is always nearby.

    Hands

  • 24/7 English-speaking assistance with coverage curated for belgium

    Calling

  • Practical support backed by decade-long experience and deep-rooted hospital networks.

    Shield

  • Direct access to our in-house medical team (Medipro) for real medical advice.

    Stethoscope
Belgium calling? We go above and beyond to make sure your trip stays golden.
  • Colorful stepped-gable guild houses decorated with holiday lights around Bruges' Markt square, with people walking across the cobblestones.
    Tour boats moored along a Bruges canal lined with brick buildings, with Belgian and EU flags flying from a red pole.
    Brabo Fountain statue in Antwerp's Grote Markt square, framed by ornate historic guildhall facades

    01 Bag snatched in a busy area?

    Brussels Metro lines and the major stations are the most documented spots for distraction theft in Belgium. Usual techniques involve conversation or petition signing to distract you while your wallet or phone is being snatched. LUMA plans can help you with eligible loss, theft, or damage to your belongings, so you can replace what you need and keep going rather than cutting the trip short over a bag.

  • The ornate Gothic tower of Brussels' Town Hall rising above the Grand Place, with tourists gathered in the cobblestone square.
    View down a narrow alley toward the illuminated spire of Brussels' Town Hall at dusk, with people walking below.
    Tram passing through a historic Belgian street with a Gothic belfry tower rising in the background at dusk

    02 Stomach trouble after a day of rich food?

    Belgian food is part of the experience, but a full day of waffles, moules-frites, chocolate, and heavy meals can leave your stomach feeling off. Most cases settle with rest and fluids, but persistent nausea, vomiting, fever, or stomach pain may need medical attention. Medipro can advise you on whether it is time to see a doctor, and LUMA covers eligible consultation, treatment, and medication costs under your plan.

  • The red-brick Lock House (Minnewater) with its steep spire reflected in the water, surrounded by bare trees in Bruges.
    Ghent's Graslei waterfront with historic guild houses and the Gravensteen castle tower, crowds relaxing along the canal.
    The spire of the Church of Our Lady in Bruges rising above rooftops, framed by bare tree branches, with a stone bridge crossing a canal in the foreground.

    03 Sick mid-trip in Belgium?

    Bruges, Ghent, Antwerp, and Brussels are easy to string together in a few days, but that pace, cobblestones, and canal walks wear people down faster than they expect. A fever or infection that shows up mid-itinerary needs immediate attention. LUMA covers the eligible medical expenses under your plan, and Medipro can help you decide whether it's worth seeing a doctor and where to go.

  • A cozy brick building with red shutters and flower boxes housing the Vlaamsche Pot restaurant on a quiet Bruges cobblestone alley.
    Sunlit Gothic facade of Brussels' Town Hall with outdoor cafe tables and visitors in the Grand Place.
    A quiet canal in Bruges lined with historic brick buildings and bare winter trees, reflecting in the still water under a cloudy sky.

    04 Injured while cycling in Belgium?

    Cycling is one of the easiest ways to explore Belgium, but tram tracks, wet cobblestones, and busy city traffic can catch visitors off guard. A fall can mean a clinic visit or hospital treatment before you're back on your feet. LUMA covers the medical costs and gets you to the right facility if you need more than basic care.

  • The colorful riverside houses of Dinant beneath a steep cliff and citadel, with the onion-domed church tower reflected in the Meuse River.
    A person overlooking Brussels' skyline at sunset, with the Town Hall spire and a statue rising above the Mont des Arts gardens.
    Aerial sunset view of Saint Nicholas' Church tower rising above Ghent's old town rooftops, with a golden sky and the Belfry of Ghent visible in the background.

    05 Belgium trip cancelled last minute?

    A Belgium trip, flights into Brussels, hotel bookings in Bruges or Ghent, is usually paid for well ahead. If a serious illness, an injury, or a family emergency stops you from travelling, recovering that money on your own is rarely simple. In such cases, LUMA can help recover the prepaid cost of the trip, so you are not left paying for plans you never got to enjoy.

The elegant glass-roofed Galeries Royales Saint-Hubert shopping arcade in Brussels, filled with strolling visitors.
Close-up of the Church of Our Lady's brick spire in Bruges, rising above a tiled rooftop against a cloudy sky.
View through a castle battlement opening over Ghent's rooftops, with a church spire and Belgian flag in the distance.
A horse-drawn carriage on cobblestones near Brussels' Grand Place at golden hour, with gilded guild house facades glowing in the sunset.
The spire of the Church of Our Lady in Bruges glimpsed through autumn trees above a stone bridge over the canal.
A grand rose-window church facade rising above a lively Brussels street with market stalls and a cyclist passing by.
The red-brick Lock House on Bruges' canal, its stepped gables and turret reflected in calm water beside outdoor café umbrellas.
Ornate gilded facade of a Grand Place guild house in Brussels, topped with a statue, glowing in evening light with striped café awnings below.
A woman and child in a narrow flower-lined Bruges alley beside a brick house with a red-and-white lion flag.
A decorated Christmas tree in front of Brussels' Town Hall in the Grand Place, with a family looking on.
The colorful riverside houses of Dinant beneath a steep cliff and citadel, with the onion-domed church tower reflected in the Meuse River.
A person overlooking Brussels' skyline at sunset, with the Town Hall spire and a statue rising above the Mont des Arts gardens.
A cozy brick building with red shutters and flower boxes housing the Vlaamsche Pot restaurant on a quiet Bruges cobblestone alley.
Sunlit Gothic facade of Brussels' Town Hall with outdoor cafe tables and visitors in the Grand Place.
The red-brick Lock House (Minnewater) with its steep spire reflected in the water, surrounded by bare trees in Bruges.
Ghent's Graslei waterfront with historic guild houses and the Gravensteen castle tower, crowds relaxing along the canal.
The ornate Gothic tower of Brussels' Town Hall rising above the Grand Place, with tourists gathered in the cobblestone square.
View down a narrow alley toward the illuminated spire of Brussels' Town Hall at dusk, with people walking below.
Colorful stepped-gable guild houses decorated with holiday lights around Bruges' Markt square, with people walking across the cobblestones.
Tour boats moored along a Bruges canal lined with brick buildings, with Belgian and EU flags flying from a red pole.

Your Belgium Travel Insurance Questions, Answered

A tranquil Ghent canal at dusk lined with historic gabled buildings, a stone bridge, and a distant clock tower.

Yes, in specific areas. Distraction theft is more common on busy metro routes, around major tourist attractions, and in crowded transport hubs. Organised teams may use conversation, confusion, or a sudden bump to lift phones and wallets while you are distracted. Keep valuables in a zipped front pocket, avoid hanging bags on café chairs, and stay alert on public transport. If something is stolen, report it to the Belgian police on 101 and keep the report for your LUMA baggage claim.

Yes. Belgium has a strong healthcare system, and English-speaking doctors are widely available. If you are a non-EU visitor, you may need to pay for treatment upfront, while EU travelers with a valid EHIC can access public care at reduced rates. LUMA covers medical treatment under your travel insurance plan, and Medipro can help you decide whether to see a doctor and what type of care makes sense.

Yes, if you're from outside the EU. Non-EU visitors pay for treatment at the time and claim back through their insurer. EU visitors with a valid EHIC access public hospital care at Belgian resident rates. LUMA covers eligible medical costs under your plan, and for a larger bill, direct billing can be arranged where available so you're not settling the full amount yourself in the moment.

Yes. Visa applicants must show travel insurance with at least €30,000 in medical and repatriation cover, valid across all 29 Schengen countries for the full trip. Every LUMA plan offers at least USD 50,000 in medical coverage, meeting the minimum coverage requirement for a Schengen visa. Travellers from visa-exempt countries can usually stay for up to 90 days

Go places, we’ve got you covered.

  • Golden statue atop an ornately gilded guild house facade in Brussels' Grand Place, inscribed "Maison des Brasseurs.
  • Panoramic view of Brussels' skyline from the Mont des Arts gardens, with Town Hall's spire rising above rooftops and a bronze equestrian statue in the foreground.
  • A Christmas ferris wheel beside the Gothic towers of Saint Nicholas' Church in Ghent, with holiday market stalls and pedestrians below.

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