Travel insurance: flight cancellation, luggage loss and repatriation assistance
With your OptiHome Home Insurance
Are you a frequent traveller? Do you like nothing more than to head off to walk the beaches or mountains, visit Europe or go further afield to Asia or South America? Alone or with your family, being well protected abroad is essential if you want to make the most of your holidays.
The travel option is available with your OptiHome home insurance from AXA Luxembourg.
It covers you, your family and your luggage for cancellations, flights, medical expenses and repatriation.
The Travel option is therefore a very comprehensive insurance that protects you during your travels, all year round and wherever you are in the world.
Regardless of your destination, the Travel Option covers you and your family for the following:
Cancellation costs are refunded:
This option covers you, your family and your luggage when travelling.
What do you need to do?
In the event of a medical emergency while travelling, first aid is provided by the local authorities.
Once you are safe, contact AXA Assistance:
AXA Assistance will contact a local doctor to monitor your state of health and organise repatriation or for a doctor to be sent to you if necessary.
The medical expenses refunded by AXA Assistance cover the shortfall after the social security contribution.
AXA Assistance can advance the medical expenses; on your return, you contact social security to receive a refund.
If you advance the funds, AXA Assistance refunds you what is due to you on your return.
If your trip is cancelled as a result of one of the events covered by the travel option, you can therefore claim a refund of the costs incurred.
If you have used a travel agency, contact them as soon as possible.
Then take all measures to limit the financial expenses linked to your cancellation.
Then make a cancellation declaration
And send it to the following address, within 5 days of your cancellation:
Axa Assurances Luxembourg
Service Sinistres Non-Auto
1 Place de l’Etoile
L-1479 Luxembourg
All relevant information and supporting documents can then be sent within 30 days.
If your luggage has been stolen, the first thing to do is to file a complaint with the local judicial or police authorities at your destination.
Then, contact AXA Assistance on +352 45 30 55 who will give you the procedure to follow.
AXA Assistance will be able to organise the sending of a replacement piece luggage and cover the first necessity expenses. AXA Assistance can also provide assistance in the event of the loss of your travel documents, identity papers or means of payment for example.
Your home and its contents are protected against the risks of earthquakes, floods, sewer back-ups, water infiltration and landslides caused by torrential rains.
Your property is covered against theft and breakage, anywhere in the world: sports, fishing or hunting equipment, jewelry, musical instruments and medical assistance devices.
Your family liability and your legal protection (criminal defence and civil appeal) are covered for your private life. E-protection cover is possible to protect you against the risks related to the use of the internet.