Compare Travel Insurance in France

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26 live offers compared from 18 providers, from €30 /year. Updated daily.

What is travel insurance in France?

Travel insurance (assurance voyage) covers the financial risks of trips abroad — medical treatment and repatriation, trip cancellation, lost or delayed baggage, and personal liability. Within the EU, the Carte Européenne d'Assurance Maladie (CEAM, the EHIC) gives access to public healthcare, but it does not cover repatriation, private care or cancellation, which is where a dedicated policy or a strong card-linked cover matters — especially for travel outside Europe.

How the French market works

Cover comes from three routes: standalone insurers and assistance specialists such as Europ Assistance, April International, Allianz Voyage (Allianz Partners) and AXA France; bank and premium-card packages, for example via Crédit Mutuel Assurance and mutualist groups like MAAF and Covéa; and single-trip or annual multi-trip policies bought online. Some cover is included with premium payment cards, though limits and exclusions differ from a dedicated policy. Many French travellers underestimate their card cover, which typically requires the trip to have been paid with that card and caps medical and cancellation payouts well below a standalone policy. For non-EU destinations — especially the United States, where medical bills are extreme — insurers stress high medical and repatriation ceilings, and some countries require proof of adequate cover for a visa.

Benefits

Medical and repatriation — Pays for treatment abroad and, critically, repatriation, which the CEAM does not cover.

Cancellation cover — Reimburses non-refundable costs if you cannot travel for a covered reason.

Assistance line — 24/7 multilingual help to find care, arrange evacuation or replace documents.

How to choose

Match cover to the destination and trip: high medical and repatriation limits for the US or long-haul, robust cancellation cover for expensive bookings. Compare deductibles, per-item baggage limits, and exclusions such as pre-existing conditions and hazardous sports (ski, diving). If you travel often, an annual multi-trip policy may beat repeated single-trip cover, and check what your card already includes to avoid duplication.

Leading providers in France

Europ Assistance, Allianz Voyage and April International are leading assistance and travel specialists; AXA France and Allianz France offer broad packaged cover; and Crédit Mutuel Assurance, MAAF and Covéa provide travel cover through bank and mutualist channels.

What it costs

Premiums on this comparison run from about €30 to €93 depending on destination, trip length, age and cover level. Single-trip cover for a short EU break is inexpensive; long-haul or US trips and annual multi-trip policies cost more due to higher medical exposure. Adding sports cover or waiving deductibles increases the price. What you are really buying is the ceiling on medical and repatriation cover, which should run into the hundreds of thousands of euros for long-haul trips — the premium difference between a basic and a high-ceiling policy is small next to the bill for an air ambulance from abroad. If you travel several times a year, an annual multi-trip policy usually costs less than repeated single-trip cover, while a one-off long-haul journey is better matched to a tailored single-trip plan.

Protections and regulation

Travel insurers are supervised by the ACPR under the Code des assurances, with clear pre-contract information and cooling-off rights on distance sales. Within the EU, the CEAM complements but does not replace private cover. Disputes can be taken to the insurance médiateur, and consumer practices are policed by the DGCCRF.

Common questions

Do I need it for Europe? — The CEAM covers public healthcare in the EU, but repatriation, private care and cancellation still warrant a policy.

Is my card cover enough? — Premium cards include travel cover, but check the medical and cancellation limits and exclusions against your trip.

Are pre-existing conditions covered? — Often excluded or requiring declaration; check the terms before you rely on the policy.

Travel Insurance in France — FAQ