Travel Insurance for Belgium in 2026: What I Learned the Hard Way
Travel Insurance for Belgium in 2026: What I Learned the Hard Way I got sick in Brussels last October and paid €420 out of pocket because my insurance didn’t cover European medical emergencies. The clinic bill arrived the same day as my flight home—no refund, no second chance. In 2026, Schengen visa rules will require minimum €100,000 medical coverage (up from €30,000), so skipping insurance isn’t an option anymore. Why €100,000 Medical Coverage is Non-Negotiable Belgian hospitals charge €250+ for a basic ER visit. Without €100,000 coverage, you’ll face bills that wipe out your trip budget. I’ve seen travelers pay €800 for a minor surgery. Always confirm your policy lists "Belgium" specifically—not just "Europe." Some insurers exclude Schengen countries unless you select them manually. What to Demand in Your Policy (2026 Checklist) Medical coverage: Minimum €100,000 (not €50,000 like some old policies) Cancellation coverage: 100% of trip cost if you g...