The Best Travel Insurance Plans for Belgium in 2025
- The best travel insurance plans for Belgium
- Is it currently safe to travel to Belgium?
- Is travel insurance required by law to enter Belgium?
- Why take out travel insurance for Belgium?
- What should travel insurance for Belgium cover?
- What is the cost of travel insurance for Belgium?
- How to pay less for your travel insurance to Belgium
- Can I rely on my current insurance to cover me in Belgium?
- FAQ
Travel insurance for Belgium: key takeaways
1. Definition: Travel insurance for Belgium covers medical emergencies, repatriation, and other unexpected incidents.
2. Key protection: Insurance is not mandatory for Canadians going to Belgium, but is highly recommended to cover potential high costs.
3. Healthcare cost: A hospital stay in Belgium can cost over $1,500 CAD per night for foreign visitors.
4. Price: A one-week travel insurance policy for Belgium typically costs between $30 and $60 CAD.
5. Good to know: Your Canadian passport must be valid for 3 months beyond your planned departure from Schengen.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analyzing 41 travel insurance policies available in Canada, our experts share here everything you need to know to choose the best travel insurance for Belgium.
The best travel insurance plans for Belgium
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | 1.5M $CAD | Key option for Belgium. - very high medical cover - repatriation included - broad range of guarantees. |
| Cap Assistance 24/24 | 1.5M $CAD | Strong choice for efficient support and straightforward claims. - 24/7 medical helpline - covers cancellation - no deductible. |
| Tourist Card | 750k $CAD | Good fit for tourist stays in Belgium. - robust medical coverage - emergency help - competitive pricing. |
| Travel Pass Monde | 1.05M $CAD | Balanced contract for frequent travellers. - repatriation included - full hospital coverage - wide international validity. |
| Globe Partner | 450k $CAD | Practical solution for extended stays. - covers urgent care abroad - fast reimbursement - civil liability included. |
| Globe Traveller | 750k $CAD | Fits short, budget trips to Belgium. - covers key medical expenses - fast claims process - limited maximum coverage. |
- very high medical cover
- repatriation included
- broad range of guarantees.
- 24/7 medical helpline
- covers cancellation
- no deductible.
- robust medical coverage
- emergency help
- competitive pricing.
- repatriation included
- full hospital coverage
- wide international validity.
- covers urgent care abroad
- fast reimbursement
- civil liability included.
- covers key medical expenses
- fast claims process
- limited maximum coverage.
Is it currently safe to travel to Belgium?
As of June 2025, Global Affairs Canada advises travellers to exercise a high degree of caution in Belgium, mainly due to the ongoing threat of terrorism and a recent increase in violent incidents in urban areas.
Here are their four main recommendations.
Security risks: incidents of shootings and stabbings have recently surged in the Brussels-Capital Region and major cities, particularly around transport hubs and large gatherings.
Health risks: while health care is excellent and no vaccines are mandatory, there are active advisories for measles and COVID-19. Tick-borne encephalitis may be present from April to November, especially if hiking in forested areas.
Entry requirements: Canadian citizens may enter for up to 90 days without a visa but must show proof of sufficient funds and accommodation, and carry passports valid for three months beyond their stay.
Legal considerations: take note of strict rules in private accommodations, where letters of support from local hosts may be requested by police or border agents.
Although not required, travel insurance is strongly recommended by Global Affairs Canada, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Belgium.
Is travel insurance required by law to enter Belgium?
No, travel insurance is not mandatory for Canadian citizens travelling to France.
Travel insurance is still strongly recommended because healthcare costs—especially in private clinics in cities like Brussels, Antwerp or Liège—are the responsibility of foreign visitors. The Canadian public health system does not cover medical expenses abroad, including hospital stays or emergency repatriation from Belgium.
According to our data, 50% of travelers purchase travel insurance before going to Belgium. While the country has a well-regarded healthcare system, the potential cost of care and upfront payment requirements in private facilities remain key concerns for foreign nationals.
Why take out travel insurance for Belgium?
It is an essential financial and medical protection for anyone going to Belgium.
In Belgium, while the public hospital system (such as CHU Saint-Pierre in Brussels or UZ Leuven) provides high-quality care, foreign visitors are usually required to pay up front and are not covered by the local public health insurance. Private clinics like the Edith Cavell Clinic in Brussels can charge significantly higher rates, especially in cases of emergency or surgery without local coverage.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport, and emergency repatriation to Canada in the event of a serious incident.
Here are some examples of healthcare costs in Belgium.
| Example of medical treatment | Cost at Cliniques universitaires Saint-Luc | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 2,000 € (3,000 $CAD) | Up to 100% (min. 30,000 €) |
| I broke my tibia (X-ray, cast, and crutch rental) | 1,800 € (2,700 $CAD) | Up to 100% (min. 30,000 €) |
| I need to be repatriated | 25,000 € (37,500 $CAD) | Up to 100% (min. 30,000 €) |
| I have appendicitis (consultation and surgery) | 6,000 € (9,000 $CAD) | Up to 100% (min. 30,000 €) |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What should travel insurance for Belgium cover?
Here is a summary table of the main coverages you should look for in a travel insurance policy for Belgium.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers medical consultations, treatments, tests, and hospital stays for illness or accident. Recommended reimbursement limit: $100,000 CAD. |
| 🚑 Emergency evacuation and repatriation | Pays for emergency ambulance service or return to Canada in severe cases. Recommended reimbursement limit: $100,000 CAD. |
| 💊 Hospitalisation and medications | Reimburses costs of being admitted to hospital and prescription drugs. Recommended reimbursement limit: $50,000 CAD. |
| 🧳 Baggage and personal effects | Protection against loss, theft or damage to luggage and personal belongings. Recommended reimbursement limit: $3,000 CAD. |
| ❌ Trip cancellation or interruption | Covers prepaid travel and accommodation costs if you must cancel due to valid reasons. Recommended reimbursement limit: $5,000 CAD. |
| 👨⚖️ Personal liability | Pays for damage accidentally caused to others or their property. Recommended reimbursement limit: $1,000,000 CAD. |
| 🏠 Assistance services | Support for finding doctors, translation, or contacting consulate in emergencies. Recommended: 24/7 worldwide assistance. |
Recommended reimbursement limit: $100,000 CAD.
Recommended reimbursement limit: $100,000 CAD.
Recommended reimbursement limit: $50,000 CAD.
Recommended reimbursement limit: $3,000 CAD.
Recommended reimbursement limit: $5,000 CAD.
Recommended reimbursement limit: $1,000,000 CAD.
Recommended: 24/7 worldwide assistance.
Travel insurance from local providers or bank cards often offers limited coverage, low reimbursement limits and many exclusions. To be properly protected for your stay in Belgium, compare leading insurers on HelloSafe and subscribe online for instant certification.
What is the cost of travel insurance for Belgium?
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $28 CAD |
| 2 weeks | 45 years old | $42 CAD |
| 1 month | 35 years old | $62 CAD |
| 1 month | 70 years old | $125 CAD |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of your travel insurance for Belgium is influenced by several key elements: your age, the length of your stay, the level of coverage you select, and any additional options like trip cancellation. Considering these factors is crucial for securing a policy that meets your personal needs without overpaying.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Belgium
Here are some suggestions to optimize the cost of your travel insurance to Belgium while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🕐 Trip duration | Longer trips mean higher risk and cost, and insurance prices rise accordingly. Shorter stays reduce overall cost. | Choose coverage that matches your exact stay dates, not extra days before or after, for the lowest price. |
| 👤 Traveller's age | Price rises with age for most insurers, especially over 60. No age limit requirements in Belgium for entry. | Compare contracts if you are 62 or older; Heymondo does not increase its prices for people over 62. |
| 🚑 Level of coverage | Higher medical and assistance limits increase premiums, but Belgium has high-quality care and Schengen limits to respect. | Choose the minimum you need to avoid unnecessary extras. |
| 🎒 Nature of activities | Adventure sports and high-risk activities increase accident rates, so coverage is costlier. | Exclude activities not planned, such as winter sports or scuba, to lower your overall premium. |
| 👨👨👦 Group/family plans | Insurance for several people often gives group discounts. Ideal if travelling as a family or with friends. | Opt for group or family plans to benefit from better per-person rates compared to taking out individual policies. |
| 📅 How far in advance | Booking insurance too early or late can impact cost and flexibility for changes. | Take out your insurance shortly before your trip, after confirming your dates and coverage needs for accurate pricing. |
| 🚩 Pre-existing conditions | Extra coverage for chronic illness or medication can be expensive. Review your needs and Belgium’s requirements. | Choose plans that clearly state how pre-existing conditions are covered to avoid unnecessary additional fees. |
Can I rely on my current insurance to cover me in Belgium?
It is legitimate to ask if your current coverage—such as public or private health insurance, or credit card insurance—can protect you during a trip to Belgium. Unfortunately, this coverage is often limited or insufficient.
Here is a summary table to help you review your current insurance and what it covers.
| Type of Insurance | Valid in Belgium? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Canada Health Transfer) | Never | No health care coverage abroad. Does not cover repatriation, hospitalization, or evacuation. | Travel insurance covers up to CAD 1,500,000+ in medical care, emergency evacuation, and 24/7 support. |
| Private health insurance | Limited coverage | Partial reimbursement after return. May exclude hospitalization, repatriation, and medical evacuation. | Travel insurance covers up to CAD 1,500,000+ for hospital bills, emergency repatriation, and all care on-site. |
| Classic credit card (TD Classic, RBC Visa Classic) | Limited coverage | Medical fees below CAD 15,000. No repatriation, lost luggage, or trip cancellation support. | Travel insurance includes up to CAD 1,500,000+ emergency medical care, trip cancellation, and lost baggage. |
| Premium credit card (Visa Infinite, Amex Gold, CIBC Aventura) | Limited coverage | Medical up to CAD 250,000. Limited trip delay, loss, or cancellation. Not always repatriation. | Travel insurance can cover up to CAD 1,500,000+ medical, repatriation, all risks, and local support. |
Example
While cycling in the Ardennes, a tourist suffered a severe concussion. The emergency care and hospital stay totalled C$48,000. Her basic travel insurance only covered the C$45,000 legal minimum, and her BMO World Elite Mastercard had policy exclusions, leaving her with a C$3,000 bill for a simple accident.
Expert advice
Many credit cards and provincial health plans exclude key situations like trip interruption for a family emergency. Always read your policy's fine print to avoid costly surprises abroad. For peace of mind, it's always best to purchase dedicated travel insurance tailored to your specific trip.
FAQ
Do I need a visa to travel to Belgium?
Canadian citizens do not need a visa to visit Belgium for stays up to 90 days within any 180-day period in the Schengen area. However, your passport must be valid for at least 3 months beyond your planned departure from the Schengen area. You may be asked to show a return or onward ticket and proof of sufficient funds upon entry.
How do I purchase travel insurance for Belgium?
To buy travel insurance for Belgium, start by comparing plans with the HelloSafe comparison tool. Review the coverage, including any exclusions, specific to Belgium—pay attention to medical and repatriation guarantees. Complete your purchase online by providing your travel details. Your certificate will be sent electronically, ready for visa and border checks.
What documents are required to prove travel insurance coverage in Belgium?
Upon entry to Belgium, you must present proof of travel health insurance covering all Schengen countries during your stay. The policy must state coverage for medical evacuation and emergency care, with a reimbursement limit of at least CAD 45,000. A digital or printed certificate is generally accepted at border controls.
Can I purchase travel insurance for Belgium even if already abroad?
Yes, some insurance providers allow you to purchase coverage even if you are already outside Canada. However, there may be waiting periods before the coverage takes effect, and certain guarantees may be limited. Always check policy terms before subscribing if you are already traveling.
What is covered by emergency medical benefits in Belgium?
Emergency medical benefits typically pay for doctor visits, hospital stays, prescription drugs, and ambulance services if you become ill or injured in Belgium. Most policies also include coverage for medical evacuation, repatriation to Canada, and round-the-clock travel assistance helplines. Check your policy for specific exclusions or pre-existing condition rules.
Are pre-existing medical conditions covered by travel insurance for Belgium?
Coverage for pre-existing conditions depends on the insurer and the policy you select. Many standard travel insurance policies exclude costs related to pre-existing illnesses diagnosed before your trip. Some plans offer coverage if your health is considered stable for a defined period, such as 90 days before departure. Always declare known health conditions when purchasing.
Do I need a visa to travel to Belgium?
Canadian citizens do not need a visa to visit Belgium for stays up to 90 days within any 180-day period in the Schengen area. However, your passport must be valid for at least 3 months beyond your planned departure from the Schengen area. You may be asked to show a return or onward ticket and proof of sufficient funds upon entry.
How do I purchase travel insurance for Belgium?
To buy travel insurance for Belgium, start by comparing plans with the HelloSafe comparison tool. Review the coverage, including any exclusions, specific to Belgium—pay attention to medical and repatriation guarantees. Complete your purchase online by providing your travel details. Your certificate will be sent electronically, ready for visa and border checks.
What documents are required to prove travel insurance coverage in Belgium?
Upon entry to Belgium, you must present proof of travel health insurance covering all Schengen countries during your stay. The policy must state coverage for medical evacuation and emergency care, with a reimbursement limit of at least CAD 45,000. A digital or printed certificate is generally accepted at border controls.
Can I purchase travel insurance for Belgium even if already abroad?
Yes, some insurance providers allow you to purchase coverage even if you are already outside Canada. However, there may be waiting periods before the coverage takes effect, and certain guarantees may be limited. Always check policy terms before subscribing if you are already traveling.
What is covered by emergency medical benefits in Belgium?
Emergency medical benefits typically pay for doctor visits, hospital stays, prescription drugs, and ambulance services if you become ill or injured in Belgium. Most policies also include coverage for medical evacuation, repatriation to Canada, and round-the-clock travel assistance helplines. Check your policy for specific exclusions or pre-existing condition rules.
Are pre-existing medical conditions covered by travel insurance for Belgium?
Coverage for pre-existing conditions depends on the insurer and the policy you select. Many standard travel insurance policies exclude costs related to pre-existing illnesses diagnosed before your trip. Some plans offer coverage if your health is considered stable for a defined period, such as 90 days before departure. Always declare known health conditions when purchasing.
