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Water damage, fires or a burglary: whether you own or rent an apartment or a house, obligatory home insurance provides you with peace of mind for these kinds of situations. Certain types of contracts may also include family civil liability, legal protection, travel insurance and e-protection against risks linked to internet use, says Axa’s website.

Vehicles

Motor liability insurance for cars and motorcycles is part of the civil liability insurance required in Luxembourg, says Foyer. Driver’s injury insurance, assistance and legal protection are optional. A reduction in your insurance premium may be available if you have an electric or hybrid car.

Health

People living in Luxembourg must have health insurance. If you’re employed, your employer should register you with the Joint Social Security Centre (CCSS). But the health insurance fund only reimburses a portion of certain healthcare expenses (meaning you must pay the rest yourself). With supplementary insurance, you can get supplementary reimbursement for expenses like hospital stays, eyeglasses or certain dental care procedures.

Pets

If you own a dog, you must declare it to your commune of residence and provide proof of civil liability insurance, says Axa. But besides that, pet health insurance is also available. These policies can help cover things like veterinary fees, surgical interventions, vaccination or sterilisation. Remember, the animal needs to have a microchip or identification tattoo before they can be covered by an insurance policy.

Travel

Insurance companies in Luxembourg also offer travel insurance. These policies can provide reimbursement in case of trip cancellation, flight delays, rental car damages, medical expenses or lost luggage, says Lalux. It’s something that may also be offered as an option when you book your trip on an airline’s website, for instance, so keep an eye open there as well.

This article first appeared in the .