Qover-me - Tempo Travel Insurance

Guarantees included

In case of an incident



Refund of medical expenses



Medical emergency abroad

Excess: 50 €



Emergency dental care abroad

Excess: 50 €



Additional allowance in the event of hospitalisation abroad



Medical expenses in Belgium further to hospitalisation abroad



Repatriation assistance

Insured persons, baggage and car included



Assistance during your trip

Also in the event of a ski accident



Search and rescue expenses



Missed departure and delay



Accommodation in the event of assistance during the trip



Assistance in the event of a major crisis event



Taking care of minors/children



In the event of death: transport of remains



Funeral expenses



Civil liability



Legal expenses



Ski and winter sports assistance



Unused ski pass



Ski resort closure

If an alternative is possible



Ski resort closure

If no alternative possible

Per insured person, you get up to

€1,000,000

Included limited to amount of medical expense

€1,000

€25 / day (max. €500 / year)

€2,500

Included limited to amount of medical expense

Included

€5,000

€500

€75 / night / room (max. €750 / year)

€25,000

€2,000

€1,000

€1,000,000

€25,000

Included

€125

€10 / day (max. €125 / year)

€20 / day (max. €125 / year)

Also included in our package

Secure payment
A dream team at your service
Emergency assistance from our partner Allianz Assistance available 24/7

Optional add-ons

Trip cancellation and trip interruption insurance

With this insurance, you get reimbursed for expenses for unused services before or during the trip. It can be used in the event of illness or death of one of the travellers or a close relative requiring your presence, but also in case of a particular situation making it impossible for you to leave (dismissal of an insured person, burglary at home, critical event in your country of destination, etc.).

Depending on the expenses paid ahead of your trip, you can choose between 3 packages with different compensation limits per claim:

€1,000 / incident / insured person
€2,500 / incident / insured person
€5,000 / incident / insured person

Concretely, what does this mean?

For instance, if you get injured and are not able to leave, we will refund all your non-recoverable expenses ahead of your trip (flights, hotels, tours, etc.) up to the compensation limit you chose for each of the insured persons. An excess of 50€ is applied per incident and per insured person.

Death and disability insurance

This insurance enables you to claim compensation in the event of a serious accident leading to the disability or death of one of the insured persons.
The maximum amounts of compensation per insured person in case of an accident are:

Death
€25,000
Total and irrevocable loss of sight of both eyes
€25,000
Total and irrevocable loss of sight of one eye
€12,500
Loss of two limbs
€25,000
Loss of one limb
€12,500
Total and irrevocable loss of sight of one eye and one limb
€25,000
Permanent total disability (other than those listed above)
€25,000

Baggage and personal belongings insurance

This insurance enables you to receive assistance and compensation if your belongings are delayed, stolen, lost or damaged.
The maximum amounts of compensation per insured person in case of an incident are:

Valuables (eyeglasses, contact lenses, watches, furs, jewellery, precious metals, audio and computer equipment)
€250
Photo or video equipment
€500
Mobile phone
€500
Professional equipment
€500
Sports equipment
€500
Money (excluding cash, banknotes or foreign currency)
€500
Money (cash, banknotes or foreign currency)
€500
Unspecified items: per item
€250
Delayed baggage
€250
Emergency replacement of clothing, medication and toiletries
€50

Exclusions

The following are not covered. If you would like further information or clarification, please contact us, , we will be happy to answer any questions.

Any disability, physical condition or illness that occurred before the start date of your insurance or before you signed the contract, until a period of one year has passed without your receiving treatment.
Any health condition for which you have already claimed compensation or requested an intervention during a previous trip.
Any circumstance which could reasonably be expected to lead to a claim at the start date of your coverage or when booking your trip (whichever was the latter of the two).
Pregnancy, birth and any subsequent medical complications if you are or will be seven or more months pregnant at any point during a trip.

Deliberate exposure to a major risk (unless in an attempt to save a life).
Sports or leisure activities with significant risks of physical injury, such as jet skiing, bungee jumping, quad biking, mountain climbing, etc.
Travel to countries against the advice of the Belgian government.
Legal expenses relating to proceedings against travel agents or family members.
This insurance policy does not cover any claim, fear or threat in any way caused by or resulting from coronavirus disease (COVID-19), nor from severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2), nor any other mutation or variation of SARS-CoV-2 disease.

To read the full list of exclusions, please consult our general terms and conditions.

Eligibility rules

To be able to claim for compensation, you will be required to comply with the following rules. If you would like further information or clarification, please contact us, we will be happy to answer any questions.

You have not yet started your trip.
The length of your trip does not exceed the period you specified in the contract. depending on the coverage you have taken out.
High-risk activities are not covered (e.g. Jet skiing, diving, etc.).
You do not already have an issue to claim for.

Travels in Belgium are covered provided you have booked accommodation for at least one night before beginning your trip.
You have never been refused kidnapping insurance in the past (to be eligible for coverage for intervention in case of a crisis event).
The insured persons are under 76 years old.

What to do in the event of an incident

Incidents during a trip are always difficult and stressful to manage and may sometimes have tragic consequences. This is why we do our utmost to make things as simple as possible for you.
‍
You can file a claim online in less than 5 minutes.

File a claim

How to manage an incident

If an incident occurs during your holiday:

First of all, ensure you are safe and/or call the emergency services. If you have been a victim of theft, you need to go to the police and file a statement.

If the incident is not serious and does not require emergency assistance, you can file your claim online in 5 minutes.

Our experts will process your claim as soon as possible to determine the amount of your compensation. This is a simple and fast process.

In the event of a serious incident*, call directly the Helpline +32 2 773 62 08.

The experts of our partner Allianz Assistance will give your claim absolute priority and will do what is required to help you. Take care!

* The following are considered to be serious incidents requiring emergency assistance: a medical or dental emergency during your stay abroad; search, rescue or repatriation of one of the insured persons; assistance further to a crisis event (assistance resulting from a critical event: natural disaster, terrorist incident, etc.); assistance in the event of a death.

Insurance documents and information

You can read and download the following documents online.

Always read the general terms and conditions carefully, so that you know exactly what conditions you must fulfil, what coverage is available and what is not covered.
If you have any further questions or need any clarification, please contact us by phone: 02 588 97 16 or email: hello@qoverme.com. Our dream team is happy to answer your questions or respond to your concerns.