What are the best travel insurances for Luxembourg in 2025?
- The best travel insurance plans for Luxembourg
- Is it currently safe to travel to Luxembourg?
- Is travel insurance required by law to enter Luxembourg?
- The importance of travel insurance for Luxembourg
- What Travel Insurance for Luxembourg Should Cover
- The cost of travel insurance for Luxembourg
- How to pay less for your travel insurance to Luxembourg
- Relying on your current insurance in Luxembourg
- FAQ
Travel insurance for Luxembourg: key takeaways
1. Definition: Travel insurance for Luxembourg covers medical emergencies, trip cancellation, and lost luggage during your visit.
2. Key protection: Insurance is not mandatory for US citizens, but it protects against high unexpected medical costs.
3. Healthcare cost: Luxembourg's excellent healthcare is expensive; a hospital night can cost over $1,000 for visitors.
4. Price: Basic travel insurance for a one-week trip to Luxembourg typically costs between $25 and $50.
5. Good to know: If you need a Shengen visa, ensure your policy covers the entire Schengen Area if you plan to visit neighboring countries.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Luxembourg.
The best travel insurance plans for Luxembourg
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Our preferred choice for Luxembourg. - high medical cover - repatriation protection - flexible policy conditions |
| Cap Assistance 24/24 | $1.1M | Strong option for short stays in Luxembourg. - 24/7 medical support - cancellation included - no deductible |
| Tourist Card | $0.55M | Practical solution for tourists in Luxembourg. - solid medical cover - emergency assistance - competitive pricing |
| Travel Pass Monde | $0.77M | Suitable for broader international travel. - reliable evacuation coverage - hospitalization included - wide acceptance |
| Globe Partner | $0.33M | Effective for long stays in Luxembourg. - key medical guarantees - simple claim process - repatriation included |
| Globe Traveller | $0.55M | Good for low-risk trips or short visits. - basic medical cover - prompt reimbursement - limited upper limit |
- high medical cover
- repatriation protection
- flexible policy conditions
- 24/7 medical support
- cancellation included
- no deductible
- solid medical cover
- emergency assistance
- competitive pricing
- reliable evacuation coverage
- hospitalization included
- wide acceptance
- key medical guarantees
- simple claim process
- repatriation included
- basic medical cover
- prompt reimbursement
- limited upper limit
Is it currently safe to travel to Luxembourg?
As of June 2025, the US Department of State indicates that travel to Luxembourg is considered low risk, with a current safety level of exercise normal precautions across the country.
Here are their four main recommendations.
- Security risks: petty crime such as pickpocketing and theft can occur, particularly on trains to and from Brussels or during crowded events like the annual Schueberfouer fair in Luxembourg City. US travelers are advised to safeguard belongings in busy areas.
- Health risks: Luxembourg offers excellent medical care with English-speaking staff and no compulsory vaccinations, but US Medicare and Medicaid do not provide coverage abroad. Emergency care is delivered at hospitals such as Centre Hospitalier de Luxembourg, and proper travel health insurance is recommended for unforeseen events.
- Legal constraints: drivers must carry a warning triangle and reflective vest in their vehicles at all times. Between October and April, winter tires are required by law, and traffic fines can be substantial for non-compliance.
- Cultural norms: demonstrations, while generally peaceful and orderly, can disrupt city traffic and public transport during major events or union strikes. Travelers should remain aware of local developments and avoid large gatherings.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Luxembourg.
Is travel insurance required by law to enter Luxembourg?
No, travel insurance is not mandatory for US citizens entering Luxembourg for tourism or short stays of up to 90 days.
Travel insurance is still strongly recommended because US health insurance, including Medicare and Medicaid, does not provide coverage in Luxembourg. Out-of-pocket medical and hospital costs can be significant if you need urgent care, evacuation, or specialist treatment during your stay.
According to our data, 50% of travelers purchase travel insurance before going to Luxembourg. This reflects a preference for peace of mind and protection, especially as Luxembourg has a safe environment but health care and travel issues can be costly.
The importance of travel insurance for Luxembourg
It is an essential financial and medical protection for anyone going to Luxembourg.
In Luxembourg, foreign visitors often access care through private clinics like Hôpital Kirchberg in Luxembourg City, where charges for consultations, diagnostics, and procedures are significant. Public hospitals offer high-quality medical care, but fees for non-residents can be much higher than expected and payment is usually required upfront.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to the US in the event of a serious incident.
Here are some examples of healthcare costs in Luxembourg.
| Example of medical treatment | Cost at Hôpital Kirchberg | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | €2,100 (about $2,275 USD) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | €1,600 (about $1,730 USD) | up to 100% |
| I need to be repatriated | €18,000 (about $19,500 USD) | up to 100% |
| I have appendicitis (consultation and surgery) | €5,200 (about $5,630 USD) | up to 100% |
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 Travel Insurance for Luxembourg Should Cover
Here is a summary table of the main coverages you should look for in a travel insurance policy for Luxembourg.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers consultations, hospital stays, surgery, and medication in case of accident or sickness. Recommended: at least $100,000 of coverage for Luxembourg. |
| 🏠 Repatriation | Pays for medical evacuation or return to the US in serious health situations. Recommended limit: at least $150,000 including air ambulance if needed. |
| 💼 Luggage and valuables | Reimburses loss, theft, or damage to personal belongings while in Luxembourg. Recommended: at least $2,000 per person. |
| ✈️ Trip cancellation | Covers non-refundable costs if you cancel due to illness, accident, or emergency before departure. Recommended: coverage up to $5,000 per person. |
| ⏱️ Travel delays | Assists with extra accommodation or transport costs due to long delays. Minimum: $200 per day, up to $1,000. |
| 🦷 Dental emergencies | Covers urgent dental care for pain or injury. Recommended: at least $1,000 of dental coverage. |
| 🏔️ Adventure activities | Provides coverage for injuries from hiking or specific sports. Recommended: check if activities in the Ardennes area are included, with at least $20,000 in coverage. |
| 📱 Assistance services | 24/7 multilingual support for emergencies, arranging hospital admission, and document loss. Essential for all trips, especially if traveling alone. |
Recommended: at least $100,000 of coverage for Luxembourg.
Recommended limit: at least $150,000 including air ambulance if needed.
Recommended: at least $2,000 per person.
Recommended: coverage up to $5,000 per person.
Minimum: $200 per day, up to $1,000.
Recommended: at least $1,000 of dental coverage.
Recommended: check if activities in the Ardennes area are included, with at least $20,000 in coverage.
Essential for all trips, especially if traveling alone.
Travel insurance from banks or local providers often comes with low benefit ceilings and many restrictions. For peace of mind, select a trusted specialist with comprehensive guarantees. Compare market-leading offers and purchase online with instant confirmation on HelloSafe.
The cost of travel insurance for Luxembourg
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $19 |
| 2 weeks | 45 years old | $36 |
| 1 month | 35 years old | $54 |
| 1 month | 70 years old | $128 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your travel insurance is based on several key factors: your age, the duration of your trip, your destination, the amount of coverage, and any optional add-ons like trip cancellation. Keeping these elements in mind is crucial to selecting a policy that fits your needs and budget for a worry-free vacation.
💡 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 Luxembourg
Here are some suggestions to optimize the cost of your travel insurance to Luxembourg while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Trip duration | Longer trips cost more, especially for continuous coverage in Luxembourg and the Schengen Area. | Select only your actual travel dates and avoid overlaps with any other insurance you already have. |
| 👥 Number of travelers | Family or group plans can reduce the price per person compared to individual policies. | Choose a group or family plan where possible, which typically provides multi-person discounts. |
| 🛡️ Level of coverage | Higher coverage limits increase costs, but excessive benefits may be unnecessary for some stays. | Select essential medical and evacuation coverage and avoid expensive add-ons you do not need. |
| 🌍 Geographical area | Regional plans are less expensive than global ones. | Choose coverage limited to Europe or Luxembourg, unless you plan other international travel. |
| 🏥 Medical benefits | Medical care is high quality but expensive if not covered, especially emergency care. | Opt for $100,000+ for medical and evacuation but skip specialist activity coverage if unneeded. |
| 👴 Traveller's age | Age impacts premiums, especially above 60, so compare options closely before buying. | Heymondo does not increase prices for those over 62, but always compare insurers for the best deal. |
| ✈️ Activities covered | Uncommon sports or activities may increase premium costs even if you do not participate. | Buy activity coverage only if you’ll actually take part in high-risk sports or excursions. |
Relying on your current insurance in Luxembourg
It is completely reasonable to wonder if your existing coverage, like public or private health insurance or credit card coverage, will protect you during your trip to Luxembourg. Unfortunately, this is often not enough for medical or emergency needs abroad. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Luxembourg? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance | No, never | No overseas coverage for US citizens, no direct payments or evacuation support | Travel insurance covers $100,000+ in medical care and repatriation |
| Private health insurance | Yes, partly | May reimburse after return, sometimes covers medical up to $10,000, excludes repatriation | Travel insurance offers $100,000+ medical plus evacuation and 24/7 support |
| Classic credit card (Visa Classic, Mastercard Standard) | Yes, partly | Medical benefits up to $3,000–$5,000, rarely covers baggage loss or cancellation | Travel insurance includes $100,000+ medical, baggage, cancellation |
| Premium credit card (Chase Sapphire Preferred, Amex Platinum, Capital One Venture X) | Yes, partly | Usually covers medical up to $25,000–$50,000, limited trip/baggage protection | Travel insurance covers $100,000+ care, evacuation, and trip issues |
Example
While mountain biking in Luxembourg's Mullerthal region, Sarah suffered a complex leg fracture. The emergency surgery and hospital stay cost $25,000. Her Chase Sapphire card's travel insurance had a $2,500 limit, and her US health plan considered it out-of-network, leaving her with a massive bill for a simple day trip.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative’s illness or death, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to subscribe to a dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Luxembourg?
US citizens do not need a visa for tourist or business visits to Luxembourg if staying less than 90 days within a 180-day period. Simply ensure your US passport is valid for at least six months beyond your intended departure and that you have sufficient funds and proof of onward travel.
How do I purchase travel insurance for Luxembourg?
Start by comparing different travel insurance policies using the HelloSafe travel insurance comparison tool. Carefully check coverage areas and policy exclusions, especially those relevant to Luxembourg. Purchase your chosen policy online. After payment, you will receive your insurance certificate by email promptly.
What if I require medical treatment in Luxembourg as a visitor?
Medical care in Luxembourg is of excellent quality, with most staff fluent in English. However, US Medicare and Medicaid do not work abroad. If you need treatment, you will likely have to pay up front without comprehensive travel health insurance, and costs can be significant for hospital care or emergency services.
Does travel insurance for Luxembourg cover trip cancellations or lost baggage?
Most comprehensive travel insurance policies offer benefits such as trip cancellation, lost or delayed baggage, and flight disruption cover. It is recommended to check that your plan includes these features. Typical policies reimburse up to $2,500 or more for covered incidents, depending on the provider and plan selected.
Are there any particular risks or exclusions I should check for Luxembourg?
While Luxembourg is a very safe destination, you should verify that your insurance covers trip interruption and medical evacuation, which can be expensive. Review exclusions such as coverage for high-value items, active sports, or pre-existing conditions, and consider extra coverage if you plan to drive or participate in outdoor activities.
Do I need a visa to travel to Luxembourg?
US citizens do not need a visa for tourist or business visits to Luxembourg if staying less than 90 days within a 180-day period. Simply ensure your US passport is valid for at least six months beyond your intended departure and that you have sufficient funds and proof of onward travel.
How do I purchase travel insurance for Luxembourg?
Start by comparing different travel insurance policies using the HelloSafe travel insurance comparison tool. Carefully check coverage areas and policy exclusions, especially those relevant to Luxembourg. Purchase your chosen policy online. After payment, you will receive your insurance certificate by email promptly.
What if I require medical treatment in Luxembourg as a visitor?
Medical care in Luxembourg is of excellent quality, with most staff fluent in English. However, US Medicare and Medicaid do not work abroad. If you need treatment, you will likely have to pay up front without comprehensive travel health insurance, and costs can be significant for hospital care or emergency services.
Does travel insurance for Luxembourg cover trip cancellations or lost baggage?
Most comprehensive travel insurance policies offer benefits such as trip cancellation, lost or delayed baggage, and flight disruption cover. It is recommended to check that your plan includes these features. Typical policies reimburse up to $2,500 or more for covered incidents, depending on the provider and plan selected.
Are there any particular risks or exclusions I should check for Luxembourg?
While Luxembourg is a very safe destination, you should verify that your insurance covers trip interruption and medical evacuation, which can be expensive. Review exclusions such as coverage for high-value items, active sports, or pre-existing conditions, and consider extra coverage if you plan to drive or participate in outdoor activities.
