Travel insurance: Free quote
Generally, when you book a vacation or prepare a trip, you don’t do it at the last second. This is why between the moment we take out our bank card and the moment we leave, many unforeseen events can take place. And the same goes for travel. This is why taking out travel insurance can avoid a lot of financial inconvenience. Assurland takes stock for you.
What is travel insurance?
What is the role of travel insurance?
Whether you are going on vacation, on a business trip, on a university exchange or around the world, for example, it is important to take out travel insurance, too. called holiday insurance. Indeed, even if the latter is not not mandatory, it can however be very useful when traveling abroad, and save your bank account from unforeseen expenses. Why ? Notably because it always includes at least one “civil liability” guaranteewhich covers you in the event of damage caused to a third party outside of French territory.
Know that today, with the Covid-19 crisistravel insurance is required in 42 destinations :
- Europe: Russia, Ukraine
- Africa: Algeria, Benin, Cape Verde, Djibouti, Kenya, Mauritius, Mozambique, Namibia, Togo, Seychelles
- Americas: Argentina, Aruba, Bahamas, Bolivia, Brazil (for trips longer than 90 days only), Costa Rica (unless if fully vaccinated), Cuba, Ecuador, Guatemala, Turks and Caicos Islands, Paraguay, Saint- Martin, Salvador
- Asia: Saudi Arabia, Cambodia, Chile, China, Indonesia, Jordan, Lebanon, Malaysia, Maldives, Mongolia, Nepal, Oman, Pakistan, Philippines, Russia, Singapore, Thailand
What are the different guarantees of travel insurance?
Although guarantees may vary from one holiday insurance contract to another, in particular depending on the nature of the trip (business trip, study trip, short or long term, etc.), the majority of them offer the same guarantees. They therefore support:
- I’assistance in case of illnessinjury or accident abroad;
- the repatriation in France if necessary;
- a return earlier than expected following a serious accident of a relative in France;
- medical expenses as well as the reimbursement of hospitalization expenses abroad whether they are related to illness, accident or pregnancy;
- death or possible disability following an accident abroad;
- the rental of a vehicle;
- I’cancellation of a ticket ;
- theft, loss or destruction of baggage, personal property and identity documents;
- as well as the reimbursement of lawyer’s fees and the advance of criminal bail abroad.
So many guarantees that are not negligible during a trip outside France!
What travel insurance should I take out?
It is not always easy to choose among all the insurers and all the offers on the market. First, you need to take stock of your needs in relation to your trip:
- Your destination will also influence your future policy. If you are traveling within the European Union, for example, the European Health Insurance Card (EHIC) may be enough to cover most of your care.
- Travel insurance also varies depending on the reason for your trip. Some insurers, for example, specialize in insurance for student exchanges.
- Likewise, the duration of your trip is an important factor. If your trip does not exceed 90 days, for example, the insurance and assistance guarantees included in your credit card may apply.
- Your activities on site will also influence your need for coverage. If you plan to practice a athletic or potentially dangerous activity during your stay, you will probably need purchase additional warranty
- Finally, the budget that you intend to allocate to your insurance (in addition to the cost of your trip) will be a final determining criterion.
With all these parameters in mind, it will be easier to take out tailor-made insurance, perfectly adapted to your needs and your budget. There are generally three types of travel insurance:
- Repatriation insurance only, which covers your return costs and that of your family in the event of accident or death.
- Cancellation insurance which compensates you if your flight or stay is cancelled.
- And the “multi-risk” travel insurance which offers you the most comprehensive coverage (medical, cancellation, legal assistance, etc.)
Take out travel insurance to leave with complete peace of mind
When you take out a travel insurance contract, it is a one-time contract that is renewable for each trip. This insurance allows you to go on vacation with peace of mind and in complete safety.
Choose the travel insurance adapted to your stay
Before taking out travel insurance, it is important to define the nature of the latter: is it a one-week vacation, an organized stay in the professional context, or even a PVT (Working Holiday Program ) for example ? Indeed, the nature of your trip, its destination and its duration will have a impact on the calculation of the tariff.
If it’s a business trip, you may need vacation insurance with specific guarantees. However, if you simply want to go sightseeing, a classic travel insurance may be quite sufficient for you. For more specific cases such as a world tour or a humanitarian trip, specific travel insurance exists.
When to get travel insurance?
It is best to take out your travel insurance after having clearly determined your needs in terms of guarantees and the budget you can allocate to it.
Once clear, you can contract your policy until the day of your departure. Your guarantees are triggered once the payment has been received by the insurer. However, we advise you to take care of it preferably a few days in advance, so as not to be surprised by a payment problem or a computer bug, for example. You can of course subscribe in advance but only be debited when you leave.
How much does travel insurance cost?
When you take out an insurance contract, you don’t want to take the risk of paying for guarantees that you won’t need. Especially when you know that depending on the guarantees taken out, the price of travel insurance can vary enormously. As a general rule, it takes about between €15 and €150 for individual multi-risk travel insurance, or between 45 and 600 € for a family formula. For cancellation insurance alone, it generally represents 3 to 6% of the price of the trip. And for an insurance repatriation alone, this time it takes approximately between 10 and 100 € for an individual formula, and between 20 and 150 € for a family formula.
Travel insurance: with whom to subscribe?
Do you want to take out travel insurance? Well, be aware that there are different providers who offer travel insurance offers. There are in particular:
- travel agencies;
- the various airlines (they generally offer insurance when purchasing a plane ticket);
- the bank with which you have a current account with certain bank cards;
- or from a travel insurance specialist.
Travel Insurance FAQs
What travel insurance abroad?
First of all, it depends on your destination. If you are traveling within the European Union, the European Health Insurance Card (EHIC) may, for example, be sufficient to cover most of your care (except repatriation) which exempts you from taking out additional medical cover.
There are also certain destinations for which insurance guaranteeing at least your health, hospitalization and repatriation expenses is compulsory in order to obtain a visa. These are China, Russia, Algeria and Cuba. Be careful though, since the Covid-19 pandemic other countries may impose this insurance, so find out about customs formalities.
Apart from these obligations, the travel insurance you should take out depends on your needs in terms of protection and your budget.
How to be reimbursed for a trip without cancellation insurance?
It is not possible a priori to be reimbursed for a trip if you have not subscribed to a cancellation insuranceunless there is an exceptional measure taken by your travel agency or your airline in the case of a flight cancellation.
However, we advise you to check whether travel cancellation insurance is not included in the credit card used to pay for the trip. The easiest way is to contact your bank to find out what guarantees are included in your means of payment.
Where can I take out cancellation insurance?
Travel insurance can be taken out with different intermediaries. They are first offered by your travel agency or transport company when booking. This is then cancellation insurance or policies covering your luggage.
You can also contact your usual insurer to find out if it offers this type of contract online or in its agencies. Several insurers or brokers have also specialized in mobility short or long term. We think of Chapka, Ava, ACS, April international…
Finally, to be sure to get the best offer in relation to your budget, we invite you to compare the rates and guarantees above on this page thanks to our partner Insurly, broker specializing in travel insurance.
What is the best travel insurance?
There is no a priori “best” travel insurance, because it all depends on your coverage needs and your budget.
The part “Which travel insurance should I take out? » further up on this page should help you ask yourself the right questions to determine the type of contract you need.
To find the best insurance, the most important criteria to take into account are: your destination(s) (because some countries require travel insurance to grant you your visa, the nature of your trip (in the event of risky activities, insurance is recommended) and finally your budget. If you have these criteria in mind, you can use our comparator further up this page to find the best travel insurance for your needs.