Travel insurance in France is not mandatory, it is however advisable. Many things can go wrong if you’re not insured, in which case you’d personally have to foot the bill. So whether you’re planning a one-way trip or a return trip, travel insurance is key to your financial security. You can check here which countries are usually included under European Travel insurance.
There are a variety of considerations to have in mind including your budget, health needs and the type of activities you want to pursue. There are also different kinds of travel insurance to suit your length of stay, for example, 90-day policies which cater for longer trips.
You can still use your EHIC or GHIC card while travelling in France. These cards mean you typically pay the same as local residents for healthcare if payment is required. However, having travel health insurance in France can help with any shortfall and provide for additional coverage needed such as repatriation and private medical expenses.
The UK Government lists terrorism, crime, assaults and adventure tourism as potential risks when travelling in France and provides some safety tips.
The high level of pickpocketing and road accidents or other unforeseen events are reason enough to consider travel insurance for France from the UK.
Travel insurance for skiing in France is advisable as mountain skiing is potentially hazardous. Mountain climbing and river rafting are examples of where you might need specialist cover.
There is no one best travel insurance policy for France. However, finding cover that is trustworthy and covers you against a large range of unfortunate events is a great start.
This can include cover for cancellation, emergency repatriation, travel disruption, lost baggage and legal protection. It is important to always check Ts and Cs when buying travel insurance.
France travel insurance typically covers medical expenses, cancelled or delayed flights, last-minute cancellations, lost or damaged luggage and emergency legal services. If you want to be covered for a business trip, there are insurance products available which are specifically tailored to these trips.
With holiday cancellation or curtailment cover, you can claim up to a certain amount for sudden cancellations because of illness or an accident, for example.
When looking flights, it’s always a good idea to know your rights if an airline gets shut down.
With travel insurance, if you fall ill, or have a medical emergency, you will be able to claim for medical treatments by the healthcare system of that country. Necessary repatriation is also covered.
You can protect your property and money from theft or loss while travelling abroad with an appropriate travel policy. You can decide on the value or amount you wish to insure for.
If you miss a flight due to public service delays, breakdowns or other reasons not related to medical or injury emergencies, some insurance companies will offer additional cover for missed departures.
Delayed travel and flights can cause you a lot of stress and anxiety. Knowing that you have cover for delays can bring you peace of mind whether you are travelling by air, boat, or train.
This is cover for a situation where you may be held responsible for another person’s injury or damage to their property. This could include medical fees, property replacement or repairs.
Certain events and circumstances will be excluded from your cover. Common examples are missing a flight due to lateness, or undeclared medical conditions. Other common exclusions from travel insurance in France are:
Hazardous activities not included in your policy coverage
Injuries or incidents that happen when under the influence of alcohol or drugs
Natural disasters, civil unrest, terrorism or war
Smartphones, cameras, laptops and tablets are the kinds of gadgets which can be covered either as part of a policy or as an add-on to travel insurance.
Your travel insurance may cover you in many of the same situations you may face while on a cruise. However, specialist cruise cover will include itinerary changes, missed port departures and cruise interruption.
If you are into adventure sports and activities that are considered a higher risk, you may require extra or specialised cover.
As with all active sports, you may be concerned about accidents on the ski slopes. In this case, winter sports insurance may suit you if you are planning a skiing or snowboarding holiday. Here you can speedily see what’s on offer and compare policies.
Standard travel insurance won’t cover existing medical conditions. But you can get specialist policies that do. With this cover, you can be sure you can get any treatment you need for these conditions while abroad, so you don’t compromise on care.
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