france travel health insurance

GET A QUOTE

Do I need travel insurance to go to France?

France remains one of the most famous tourist destinations on the planet today. Its capital — i.e., the iconically romantic city of Paris — is, of course, its most popular among tourists. But along with the Eiffel Tower , the Louvre , Notre Dame , the Champs Elysees, and Disneyland, France has plenty more to offer — both within and beyond Paris. For example, the pristine beaches of the French Riviera . The first-class ski slopes of The French Alps . The high-speed action of the Tour de France. Some of the world’s best vineyards and wines. The most Michelin-starred restaurants in the world. And much, much more.

In other words, if you plan to be one of the dozens of millions of visitors France welcomes each year, prepare to be pleasantly surprised. It will definitely be the trip of a lifetime. And, as such, it’s never a bad idea to have it insured.

• Who needs travel insurance to visit France? 
• Why choose AXA Schengen Travel Insurance for France? 
• Which AXA plan suits my needs best? 
• COVID Restrictions for entering France 
• What should I do if I am injured or ill while in France? 
• Some more practical tips for visiting France 

Who needs travel insurance to visit France?

France is definitely universally famous for having an exquisite culture, an unwavering charm, and — well, that certain je ne sais quoi . But it also happens to have a very rich and unique history. And part of that unique history is that it is one of the five original member countries of the Schengen area (along with Belgium, Germany, the Netherlands, and Luxembourg).

So if you plan to visit France (and/or any other of the 29 countries currently in the Schengen zone) — depending on your nationality and country of origin, you might need a Schengen visa. And to be granted a Schengen Visa , it is mandatory that you have the proper travel insurance .

Which travelers are required to apply for a Schengen visa (and, therefore, travel insurance) to visit France?

You will need a Schengen visa to visit France if you are a national of a country that has not signed a visa waiver agreement with the European Union. This includes several countries from the Maghreb, Africa, Asia, the Middle East, Russia, India, and others.

Citizens of these countries will need both a Schengen visa and the appropriate travel insurance to enter France’s borders.

What are the travel insurance requirements for obtaining a Schengen visa?

To be granted a Schengen visa for France (or anywhere else in the Schengen zone), your insurance must meet the following criteria:

• Guarantee minimum coverage for at least €30,000 in medical expenses
• Cover any expenses which might arise in connection with repatriation for medical reasons
• Cover you in all member states of the Schengen Area (not just France)
• Cover you during the entire duration of your trip and stay in France (and/or the rest of Schengen area).

If you’re not sure whether you need a Schengen visa to enter France or not, you can learn more here .

Ready to subscribe?

GET SCHENGEN INSURANCE

What if I don’t need a Schengen visa (and, therefore, travel insurance) to visit France?

If you happen to be a national of one of the 29 countries within the Schengen zone, you obviously don’t need to apply for a Schengen visa to visit France. Moreover, countries like the U.S , U.K ., Canada , and Australia have visa-free travel agreements with the Schengen area. So if you are a citizen of one (or more) of the above, you don’t need to apply for a visa either — that is if you are spending no more than 90 days in France and/or the other Schengen states. And if you don’t need a Schengen visa, then whether or not you get travel insurance is up to you.

That said, opting for comprehensive travel insurance for your journey is still highly recommended — both by the French authorities and by the embassies of most countries around the world.

For example, if adventure is on your itinerary, you can never be too prepared. Because whether you’re boating or scuba-diving along the French Riviera or hiking or skiing in the Pyrenees , accidents might happen.

And even if your vacation is more of the laid-back variety, travel insurance is still a safe bet. Whether you’re basking in the French Riviera sun, tasting some of that amazing French wine and/or food, or taking that mandatory selfie or three with the Eiffel Tower — you still never know what might go wrong.

Moreover, while France is world-famous for having a great healthcare system (along with one of the highest life expectancies in the world), medical costs for foreigners can still be relatively high . And this is especially true if you need to pay for specific medications and/or prescriptions.

In short, no trip is ever 100% risk-free . And as you discover France and its many wonders, having your potential medical expenses covered will mean one less thing to worry about. Not only that, but it may end up saving you thousands of euros/dollars — not to mention unnecessary stress, worry, and overall health — if something does go wrong.

Why choose AXA Schengen Travel Insurance for France?

Well, first off, AXA happens to be a local! That is, we are a French firm that has been delivering affordable, comprehensive insurance coverage for over 20 years (and counting). As such, when it comes to experience and expertise, we’ve established a longstanding international reputation both within and outside of France. Not to mention a thorough knowledge and understanding of local culture all over the world. But if knowing a well-established and internationally experienced local is not enough, here are a few more reasons why AXA got your back:

• Our plans meet all the necessary requirements for obtaining a Schengen Visa for France .
• If you’re planning a multi-country Eurotrip, our plans cover not only France but all 29 Schengen territories and all 27 European Union countries (as well as the United Kingdom, depending on the chosen insurance)
• Getting an AXA plan is quick, easy, and affordable (starting at just 22€/week). And it can be done online in a matter of minutes .
• We offer up to €100,000 coverage in medical expenses, and up to 180 days of coverage
• We provide 24/7 medical assistance (in English or French) in case of an emergency
• We offer zero deductible (which will allow you to avoid some upfront and early costs with your claim)
• There are no age restrictions with AXA’s plans.
• Once you’ve purchased your AXA plan, you can download (and/or print) the official travel insurance certificate online instantly.
• The AXA i nsurance certificate is accepted at all Schengen embassies and consulates . 
• If your Schengen visa for France is denied, AXA’s Travel Insurance plans are refundable in most cases . You’ll just need to provide the appropriate documentation (i.e., an official explanation as to why your visa was refused by the relevant embassy, consulate, or visa application center).

Which AXA plan suits my needs best?

Which plan you choose will depend on the particular nature of your trip. Are you going to France for business, pleasure, or both? Are you traveling solo or with family? How far are you going, how long do you plan to stay, and how adventurous do you plan to be? Whatever the case, AXA offers three comprehensible options for you to choose from — one of which is more than likely to meet all your travel needs:

• Our Low Cost plan provides our most basic coverage and starts from as little as €22 per week . It’s perfect for those going to France on a budget but still hoping to be covered for most basic medical needs. It covers medical expenses of up to €30,000 (in France and the rest of the Schengen Zone), meets all the requirements necessary for obtaining a Schengen Visa, and offers coverage in case of hospitalization or repatriation.
• AXA’s Europe Travel starts at €33 per week , meets all Schengen Visa requirements, and covers medical expenses of up to €100,000 . One major bonus is that Europe Travel covers not only France and all 29 Schengen countries but also all 27 EU countries, the European microstates of Andorra, Monaco, San Marino, and Vatican City, and the UK. The plan also covers you in case of the loss of documents and/or valuables, as well as a number of other problems you might run into during your stay: search and rescue costs, assistance for the insured party traveling alone (hotel for a friend or relative), and so on. Europe Travel is a comprehensive travel insurance policy perfectly designed for those planning to visit as many European countries as possible.
• Our most comprehensive plan — Multi-Trip — starts at €328 for a full year’s coverage . It’s perfect for business travelers and anyone else planning to travel to France and the Schengen area regularly. It offers the same comprehensive coverage as Europe Travel throughout all the Schengen and EU countries, as well as Andorra, Monaco, San Marino, Vatican City, and the U.K. And it’s ideal for multiple-entry visa holders.

Which insurance plans to consider?

Covid restrictions for entering france.

A COVID certificate , negative test result, and/or reason for travel are no longer required to enter France (or its overseas territories) — regardless of where you’re coming from.

Masks are still highly recommended in places like hospitals and retirement homes. But they are also no longer mandatory.

But the rules can still change, so be sure to check the latest info on the official Re-Open EU page.

NOTE: AXA’s plans will cover your medical costs related to coronavirus — provided you haven't traveled against World Health Organization advice, personal medical advice from your doctor, or any other government body’s advice in your home country or the country you are traveling to. In this case, emergency and additional travel costs are also covered.

Furthermore, all electronic certificates purchased and issued on the AXA Schengen site include the following disclaimer: “Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy”. This will satisfy any embassy rules that state you must get an insurance certificate with COVID protection.

What should I do if I am injured or ill while in France?

Don’t worry - AXA’s Schengen Insurance is here to guide, help, and protect you. In case of a medical emergency, you should contact the AXA Schengen call center at the number provided on your insurance policy . Our medical assistance professionals will answer your questions and advise you 24/7. They’ll also help you find the medical center closest to your location and best suited to your situation.

When you call, be sure to have the following information on hand:

• The number of your policy (which begins with “SCH”).
• The address and telephone number at which you can be reached (and the details of the people that can be contacted locally on your behalf).
• Your dossier number (which is communicated at the time of the first call).

IMPORTANT: Remember to always keep any bills/invoices and enclose them with your file.

What else should I know when preparing my trip to France?

The capital of France is Paris (aka the City of Light, the City of Love, and the Capital of Fashion).

France is a member of the Eurozone; hence, the official currency throughout France — as of January 1st, 2002 — is the Euro (€).

France is generally safe — especially outside of its larger cities. However, you should still take sensible precautions against possible street and/or car crime. For example, don’t keep your passport, credit cards, and other valuables in the same place. Use inside compartments in bags whenever possible, and keep your belongings close to you in restaurants and bars. Stay alert around tourist attractions and cash points. Thieves and pickpockets particularly operate on the Paris metro , and you should be careful when visiting the Stade de France — as gangs are known to operate in the area and violent assaults have occurred nearby.

Public transport:

Public transport in France is of a superb standard, so it’s relatively easy to get around the whole country without a car. Paris has an extensive Metro network, with Lille, Lyon, Marseille, Rennes, and Toulouse also boasting their own rapid transit systems. Most major cities in France have connections to the high-speed network , making this the most popular and efficient mode of French public transportation. Buses and coaches are also good ways to traverse the country — especially for connections from air or rail to mountainous areas. And France also has excellent rail and road links with its Schengen and EU neighbors.

Opening hours:

The standard shopping day in France, from Monday to Saturday, starts at 9 a.m. and finishes at 7 p.m. Most large stores and shopping malls will remain open all day, but smaller establishments often close between 12 and 2 pm for lunch (and this can include shops, banks, and offices). This may be extended during the summer months — particularly in the south (due to the heat).

Driving license:

Your license should be recognized in France for as long as it is valid — but you should check the expiry date just in case. However, in certain cases, your driver’s license may have to be accompanied by an official translation in French (or an international driving license).

Restaurants:

As sometimes shops and services close down for lunchtime, restaurants open up. Most restaurants offer service between 12pm and 2.30pm, and 7.30pm and 9.30pm. In cities, however, you may find restaurants remain open later.

RELATED ARTICLES:

• Do I need a visa to travel to France?
• Is it safe to go to France?
• How to apply for a Schengen visa?
• France travel insurance for U.K. nationals
• How to choose the best Schengen travel insurance
• Schengen travel insurance for Italy

Is France part of the Schengen Zone?

Yes. France is one of the 29 Schengen member states (and it’s also one of 27 members of the European Union).

Where can I apply for a Schengen visa for France?

You can apply for a Schengen visa for France at the French consular authorities, embassies, and/or visa application centers in your country of residence. You can also learn more on the Official visa website for France .

How much does a Schengen visa for France cost?

The cost of a Schengen visa is universal. A Schengen visa for France, therefore, costs 80€ for adults, 40€ for children between the ages of 6 and 12, and is free for children under 6yo.

Does AXA’s Schengen travel insurance cover French overseas territories?

It does not, as they are not in the Schengen Area. Overseas French territorial communities include Martinique, Guadeloupe, Guyane, Reunion Island, Mayotte, Saint-Barthélemy, Saint-Martin, Saint-Pierre and Miquelon, the Wallis and Futuna Islands, and French Polynesia.

Get Schengen insurance

Copyright AXA Assistance 2023 © AXA Assistance is represented by INTER PARTNER ASSISTANCE SA/NV, a public limited liability company governed by Belgian law with registered office at Regentlaan 7, 1000 Brussel, Belgium – Insurance company authorized by the National Bank of Belgium under number 0487 and registered with the Crossroads Bank for Enterprises under number 0415 591 055 – RPR Brussels- VAT BE0415 591 055

AXA Travel Insurance Global | AXA Assicurazione Viaggio | AXA Assurance Voyage | AXA Seguros y asistencia en viajes | AXA Seguro de viagem

• Best Travel Insurance 2024
• Cheapest Travel Insurance
• Trip Cancellation Insurance
• Cancel for Any Reason Insurance
• Seniors' Travel Insurance
• Annual Travel Insurance
• Cruise Insurance
• COVID-19 Travel Insurance
• Travel Medical Insurance
• Medical Evacuation Insurance
• Pregnancy Travel Insurance
• Pre-existing Conditions Insurance
• Mexico Travel Insurance
• Italy Travel Insurance
• France Travel Insurance
• Spain Travel Insurance
• Canada Travel Insurance
• UK Travel Insurance
• Germany Travel Insurance
• Bahamas Travel Insurance
• Costa Rica Travel Insurance
• Disney Travel Insurance
• Schengen Travel Insurance
• Is travel insurance worth it?
• Average cost of travel insurance
• Is airline flight insurance worth it?
• Places to travel without a passport
• All travel insurance guides
• Best Pet Insurance 2024
• Cheap Pet Insurance
• Cat Insurance
• Pet Dental Insurance
• Pet Insurance That Pays Vets Directly
• Pet Insurance For Pre-Existing Conditions
• Pet Insurance with No Waiting Period
• Paw Protect Review
• Spot Pet Insurance Review
• Embrace Pet Insurance Review
• Healthy Paws Pet Insurance Review
• Pets Best Insurance Review
• Lemonade Pet Insurance Review
• Pumpkin Pet Insurance Review
• Fetch Pet Insurance Review
• Figo Pet Insurance Review
• CarePlus by Chewy Review
• MetLife Pet Insurance Review
• Average cost of pet insurance
• What does pet insurance cover?
• Is pet insurance worth it?
• How much do cat vaccinations cost?
• How much do dog vaccinations cost?
• All pet insurance guides
• Best Business Insurance 2024
• Business Owner Policy (BOP)
• General Liability Insurance
• E&O Professional Liability Insurance
• Workers' Compensation Insurance
• Commercial Property Insurance
• Cyber Liability Insurance
• Inland Marine Insurance
• Commercial Auto Insurance
• Product Liability Insurance
• Commercial Umbrella Insurance
• Fidelity Bond Insurance
• Business Personal Property Insurance
• Medical Malpractice insurance
• California Workers' Compensation Insurance
• Contractor's Insurance
• Home-Based Business Insurance
• Sole Proprietor's Insurance
• Handyman's Insurance
• Photographer's Insurance
• Esthetician's Insurance
• Salon Insurance
• Personal Trainer's Insurance
• Electrician's Insurance
• E-commerce Business Insurance
• Landscaper's Insurance
• Best Credit Cards of 2024
• Best Credit Card Sign-Up Bonuses
• Best Instant Approval Credit Cards
• Best Cash Back Credit Cards
• Best Rewards Credit Cards
• Best Credit Cards for Bad Credit
• Best Balance Transfer Credit Cards
• Best College Student Credit Cards
• Best 0% APR Credit Cards
• Best First Credit Cards
• Best No Annual Fee Cards
• Best Travel Credit Cards
• Best Hotel Credit Cards
• Best American Express Cards
• Best Amex Delta SkyMiles Cards
• Best American Express Business Cards
• Best Capital One Cards
• Best Capital One Business Cards
• Best Chase Cards
• Best Chase Business Cards
• Best Citi Credit Cards
• Best U.S. Bank Cards
• Best Discover Cards
• Amex Platinum Card Review
• Amex Gold Card Review
• Amex Blue Cash Preferred Review
• Amex Blue Cash Everyday Review
• Capital One Venture Card Review
• Capital One Venture X Card Review
• Capital One SavorOne Card Review
• Capital One Quicksilver Card Review
• Chase Sapphire Reserve Review
• Chase Sapphire Preferred Review
• United Explorer Review
• United Club Infinite Review
• Amex Gold vs. Platinum
• Amex Platinum vs. Chase Sapphire Reserve
• Capital One Venture vs. Venture X
• Capital One Venture X vs. Chase Sapphire Reserve
• Capital One SavorOne vs. Quicksilver
• Chase Sapphire Preferred vs. Capital One Venture
• Chase Sapphire Preferred vs. Amex Gold
• Delta Reserve vs. Amex Platinum
• Chase Sapphire Preferred vs. Reserve
• How to Get Amex Pre-Approval
• Amex Travel Insurance Explained
• Chase Sapphire Travel Insurance Guide
• Chase Pay Yourself Back
• CLEAR vs. TSA PreCheck
• Global Entry vs. TSA Precheck
• Costco Payment Methods
• All Credit Card Guides
• Citibank Savings Account Interest Rate
• Capital One Savings Account Interest Rate
• American Express Savings Account Interest Rate
• Western Alliance Savings Account Interest Rate
• Barclays Savings Account Interest Rate
• Discover Savings Account Interest Rate
• Chase Savings Account Interest Rate
• U.S. Bank Savings Account Interest Rate
• Marcus Savings Account Interest Rate
• Synchrony Bank Savings Account Interest Rate
• Ally Savings Account Interest Rate
• Bank of America Savings Account Interest Rate
• Wells Fargo Savings Account Interest Rates
• SoFi Savings Account Interest Rate
• Best Savings Accounts & Interest Rates
• Best High Yield Savings Accounts
• Best 7% Interest Savings Accounts
• Best 5% Interest Savings Accounts
• Savings Interest Calculator
• Emergency Fund Calculator
• Pros and Cons of High-Yield Savings Accounts
• Types of Savings Accounts
• Checking vs Savings Accounts
• Average Savings by Age
• How Much Should I Have in Savings?
• How to Make Money
• How to Save Money
• Compare Best Checking Accounts
• Compare Online Checking Accounts
• Best Business Checking Accounts
• Compare Best Teen Checking Accounts
• Best Student Checking Accounts
• Best Joint Checking Accounts
• Best Second Chance Checking Accounts
• Chase Checking Account Review
• Bluevine Business Checking Review
• Amex Rewards Checking Account Review
• E&O Professional Liability Insurance
• Best Savings Accounts & Interest Rates
• All Insurance Guides

On This Page

• Key takeaways

Do Americans need travel insurance for France?

Best france travel insurance plans according to us, how much is travel insurance for france, what does france travel insurance cover, what does france travel insurance not cover, tips for choosing the best travel insurance for france, france travel information & requirements, tips for visiting france, france travel insurance faqs, related topics.

Best Travel Insurance for France Vacations in 2024

• Travel insurance is not required for France unless your trip is over than 3 months. (See Schengen travel visa requirements for more info).
• France almost never accepts U.S. health insurance. Therefore, medical travel insurance is a must to cover you for medical emergencies.
• Based on our research, the best travel insurance for France comes from: Tin Leg, Travel Insured International, Generali, Nationwide, Cat70, & Seven Corners ( skip ahead to see these plans ) .
• Expect travel delays, disruptions, and heightened crowds as France hosts the 2024 Summer Olympics this year (July 26th to August 11th).
• Comprehensive travel insurance can cover travel delays and disruptions including delays from French transportation strikes, public train/transport failures, congestion caused by the recent prohibition of many domestic flights, and more.
• If you plan to stay in France for more than 90 days , you’ll need to obtain a Schengen travel visa , which requires a minimum amount of insurance coverage for medical expenses and repatriation.
• We recommend using an online comparison tool to get quotes from multiple travel insurance providers at once.

Whether you’re in the mood for art museums or world-class beaches, France has something for everyone. If you have a trip coming up, it’s important to purchase the best travel insurance beforehand, as there’s always a chance that you’ll have an emergency while you’re overseas.

We created this guide to help you learn more about the best travel insurance for France, such as:

• Do you need travel insurance for France?
• How much travel insurance costs for France
• What travel insurance includes (and what not)

Here is a quick recap of the best travel insurance plans we recommend for France.

Our top picks for the best france travel insurance

• Tin Leg: Best Rated Travel Insurance
• Travel Insured International: Best for Medical Evacutation Coverage
• Generali Global Assistance: Best Value Travel Insurance
• Nationwide Mutual Insurance Company: Best for Claims Reiumbursement
• Cat 70: Best for Plans for Pre-Exisitng Conditions
• Seven Corners: Best Comprehensive Travel Insurance Plan

Our selection of the best travel insurance for France

Travel Insured International

Generali global assistance.

Travel insurance is not a legal requirement for traveling to France unless you plan to stay for longer than 90 days, but it’s highly recommended.

Most U.S. health insurance won’t cover you while abroad. Therefore, at a minimum, we recommended you opt for medical travel insurance when visiting France. Comprehensive travel insurance can also cover other trip costs in case you run into any travel mishaps such as delays or cancellations.

Here are some of the reasons Americans should get travel insurance for visiting France:

The 2024 Summer Olympics

Between the 26th of July and the 11th of August 2024, Paris will host the 33rd Summer Olympic Games . Expect delays, cancellations, and interruptions if visiting France during this period. With over 11,000 competitors and 10 million tickets set to go on sale , the increase in visitors is set to put an added strain on the transportation infrastructure of both Paris and France as a whole.

According to French news outlets , extra security will be a top priority for the game’s organizers and French officials, yet nothing can be wholly guaranteed.

Travel Insurance can cover you for missed connections and travel delays due to reasons out of your control.

Risk of terrorism

Check France’s Current Terror Alert Level Here

Despite the overall chances of attacks being relevantly rare, the US State Department notes there is a risk of terrorism while traveling throughout France’s major cities. Terrorist organizations continue to plan possible attacks on major events and cities across France and other nations. Possible targets often include tourist locations, busy shopping districts, places of worship, and many other public places.

In light of the 2024 Olympics and the recent Moscow attacks by IS, France has raised its terror alert to the highest level. According to the French government,   “this threat has never been so strong, France is taking action at every level”  to prevent terrorist attacks in France.

Travel insurance often allows reimbursements for cancellations or interruptions to your trip brought on by terrorist threats or attacks.

Risk of pickpockets & robbery

Americans are often targeted abroad by thieves and pickpockets. In France, where English sticks out like a sore thumb, Americans are at higher risk for having valuables stolen. Made world-famous by the Kim Kardashian armed robbery incident frequently visited cities such as Paris are often hubs for rings of thieves that target tourists . Less aggressive actions such as pickpocketing is a common occurrence in France around tourist hotspots and crowded areas like airports, train stations, and subways. It is therefore essential that you follow the US embassy’s advice and keep your valuables secure and out of sight, ensuring you are well aware of your surroundings at all times.

Travel insurance can reimburse you for stolen, lost, or damaged personal items while you are traveling.

France’s recent ban on short domestic flights

As we can see across US media outlets , in 2022, France initiated a legal ban on some short domestic flights . This legislation states that there is a ban on flights where journeys are possible in less than two-and-a-half hours by train. This being the case, it is important that you are aware of your travel plans and selected routes beforehand. The increase in travelers using the rail network to make their journey may also increase train delays.

Travel insurance can cover you if you are delayed or miss your connections due to force mayeur.

French workers’ strikes

As the LA Times has frequently documented , France is famous worldwide for its strikes. While this is not necessarily a bad thing, it can leave you in a predicament if your transportation is interrupted or canceled due to a strike. Travel insurance can easily cover delays, missed connections, or cancellations and interruptions to your travel itinerary. Highlighted by Euronews , workers at the state-owned public transport company have announced a seven-month strike notice from February to September, 2024 . This is highly likely to affect those traveling via France’s bus and metro network.

Travel insurance can reimburse you and help you rebook or reroute if your trip is affected by strikes, such as having your flight cancelled due to a pilot strike.

That said, here are some of our recommendations for the best travel insurance for France.

Best Rated Travel Insurance

Why we like it.

Editor's take

Seen as one of the best-rated travel insurance providers on the market, all of Tin Leg’s policies have an A- rating or higher and are particularly praised for their financial strength. One of the most highly-rated policies is the Gold policy. Tin Leg’s Gold policy comes with both trip cancellation and interruption coverage for a myriad of medical instances.

Tin Leg’s Gold policy offers $500,000 coverage for both emergency medical expense protection and emergency medical evacuation, covering you should the worst happen during your French vacation. Gold policyholders may also qualify for travel delay protection and baggage insurance coverage.

Read our full review

• Excellent primary coverage for medical expenses
• High limit for emergency evacuation coverage
• Optional cancel for any reason (CFAR) coverage available
• Comes with coverage for hurricanes and inclement weather
• Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
• Baggage delay coverage requires a 24-hour waiting period
• Low coverage limits for baggage and personal effects

Best for Medical Evacutation Coverage

Travel Insured International’s Worldwide Trip Protector is one of the best plans offered by this provider. This plan’s top highlight is its $1 million worth of evacuation coverage and $150,000 worth of non-medical evacuation coverage - covering you for nearly any evacuation scenario you will find yourself in during your trip to France. Along with its top medivac coverage, the Worldwide Trip Protector plan also includes $100,000 worth of secondary medical coverage.

This plan offers 100% coverage when it comes to trip cancellation and 150% coverage for any trip interrupted. Further added bonuses include $1,500 for trip delays and $500 for baggage delays after just a three-hour delay.

• Travel delay coverage kicks in after just six hours
• Generous $150,000 non-medical evacuation coverage
• 24/7 emergency travel assistance included
• CFAR and IFAR coverage not included
• Baggage delay coverage only kicks in after 12 hours
• No rental car coverage

Best Value Travel Insurance

Generali Global Assistance’s Standard plan offers some of the best value insurance coverage on our list. This plan provides 100% coverage for trip cancellations and 125% of the insured trip cost for trip interruption. For those worried about loss of baggage during their France vacation, the Standard plan comes with $1,000 per person in baggage coverage.

When it comes to the medical side of travel insurance, Generali Global Assistance’s Standard plan provides up to $50,000 in medical coverage and $250,000 in medical evacuation coverage. All this can be purchased with confidence due to Generali Global Assistance’s A rating from AM Best.

• Lowest cost of all Generali Global Assistance plans
• Telemedicine included
• Lower coverage than other Generali plans
• Pre-existing conditions are not covered by the Standard plan
• No coverage for accidental death and dismemberment during on-land travel

Best for Claims Reiumbursement

Nationwide mutual insurance company.

Nationwide’s Essential plan is a popular travel insurance coverage plan for those who want bare-bones travel insurance protection, with a relatively low overall cost This plan comes with up to $250,000 in emergency evacuation coverage and 75,000 in emergency medical coverage. For any trip delays you experience during your France trip, Nationwide’s Essential plan will pay out $150 per day.

Both trip cancellation and trip interruption are covered in the Essential plan, offering 100% worth of trip cancelation coverage and 125% in coverage for trip interruptions. Any losses of baggage and personal effects will also be covered, up to a value of $600.

• Comes with a 10-day review period
• Relatively high limits for medical expenses and emergency evacuation
• The lowest cost for comprehensive coverage across providers we compared
• Lower coverage limits than other plans we compared
• Emergency medical coverage is secondary to your own insurance (when applicable)

Best for Plans for Pre-Exisitng Conditions

The Cat 70 Travel Plan is another plan on our list that offers a high rate for medical coverage, ideal for traveling outside of the US. This plan comes with $500,000 in coverage for emergency medical expenses and up to $500,000 in insurance for emergency medical evacuation. Further benefits include trip cancellation coverage, baggage insurance, travel delay coverage, protection for missed connections, and more.

What makes the Cat 70 Travel Plan stand out from the others on our list is the coverage provided for a pre-existing condition. This pre-existing condition coverage is granted to the policyholder if it is purchased within 14 days of the trip deposit.

• High limits for emergency medical expenses
• Affordable travel insurance with high limits for medical evacuation
• Includes extras like trip cancellation coverage & baggage insurance
• Not available in all destinations

Best Comprehensive Travel Insurance Plan

Seven corners.

Travel insurance for France can cost as little as $1 per day, depending on the type of plan you choose and other trip factors. Medical-only coverage is always the cheapest travel insurance option, but comprehensive plans with cancellation benefits can also work out to be quite affordable.

As an example, we got several quotes for a month long French vacation set for August 2024, and the average cost was $11.14 per day for comprehensive travel insurance for France .

The table below shows four examples of plans we found using travel parameters for a 35-year-old traveler living in California, who spent a total of $6,000 on their trip, and plans to spend 29 days in France in August 2024

The average cost of travel insurance for France based on this example is $11.14 per day. At this price, you would receive comprehensive coverage for medical emergencies, trip cancellation, trip interruption, and more.

Please note that these numbers are for example purposes only. Actual plan costs will vary depending on your unique travel parameters and could be cheaper or more expensive.

Is travel insurance necessary for france?

“As a French native, I always advise my foreign friends to consider travel insurance when visiting France. While France is a safe country to visit, you need to be mindful of pickpockets, transportation strikes or demonstrations that happen often.

Since the Charlie Hebdo and Bataclan terrorist attacks in 2015, the country is also on high alert with a plan called “ vigipirate ” in place. So, I recommend travel insurance just to protect you in case you need to cancel due to these events.

While health care is almost free to French citizens, it does not currently apply to tourists. I recommend taking out a medical health plan. My friend broke his ankle while hiking with us in the Alps, with his travel health coverage he did not have to pay a cent!

Stay safe and enjoy your trip to France :)”  – Kathia Gorius

Travel insurance covers you for any unforeseen circumstances that occur during your trip to France.

To obtain a visa, you’ll need coverage for medical expenses and repatriation costs. Many companies also offer coverage for trip cancellations, trip delays, trip interruptions, lost/damaged baggage, and other problems.

Trip cancellation insurance

Trip cancellation insurance is a type of insurance that protects you in case you have to cancel a trip due to unforeseen circumstances. This type of travel insurance reimburses you for prepaid trip expenses, such as airline tickets and prepaid hotel bookings. It doesn’t reimburse you for expenses you haven’t yet incurred.

Some policies may also provide you with cancel for any reason (CFAR) insurance . With this type of coverage, you can cancel your trip for any reason and get back between 50% and 70% of your prepaid travel expenses.

Trip delay insurance

Trip delay insurance reimburses you for certain expenses associated with travel delays. This insurance only kicks in if you’re delayed while traveling via a common carrier. To qualify as a common carrier, the company must offer its services to the public. Therefore, airlines, bus companies, passenger railways, and ferries all count as common carriers.

If a delay occurs, this type of travel insurance may reimburse you for toiletries, medications, hotel accommodation, meals, and transportation to and from your hotel.

Trip interruption insurance

Trip interruption insurance reimburses you for any unused, prepaid expenses if you have to end your trip early for a covered reason. For example, if you arrive as planned, enjoy a few days in Paris, and then have to leave early due to an emergency evacuation, your travel insurance will cover the unused, nonrefundable hotel fees.

This type of insurance doesn’t reimburse you for refundable expenses, so if you can get a hotel or a travel vendor to issue a refund, your policy won’t reimburse you a second time.

Covered reasons include terrorist attacks, serious illnesses, and injuries, natural disasters, required quarantines, and medical evacuations.

Travel medical coverage

Health insurance is the most important part of your travel insurance policy. To get a visa for this zone, you must have insurance that covers at least €30,000 in medical expenses. Your travel health insurance must also cover the cost of repatriation to the United States if you develop a serious illness or injury during your trip.

Regardless of whether you are staying for 90 days or two, medical problems can appear unexpectedly at any time. Unfortunately, you can’t use your American health insurance in France. This is why it’s really important to purchase a travel medical insurance plan .

Let’s say you break your leg after tripping over your beach towel at Antibes. This type of health insurance will cover X-rays, casting, and other related expenses.

This type of medical insurance covers many illnesses and injuries, including heart attacks, broken bones, and strokes. What it doesn’t cover are pre-existing conditions, which are health problems that developed before you purchased your policy.

Medical evacuation insurance

Medical evacuation insurance covers the cost of transporting you to the nearest adequate medical facility. For example, if you’re visiting Castelnou, a remote village known for its idyllic countryside, you may need to be transported to a hospital several hours away.

If necessary, this type of travel insurance may pay for you to return to the United States for continuing medical treatment, for a family member to come to France to be with you while you’re sick, or for a medical escort to accompany you on your return flight.

Baggage insurance

Even if you make it to your destination as planned, your luggage may not make it with you. Or if it does, it may not be in one piece. Baggage insurance gives you extra peace of mind in these situations. If your policy covers lost baggage, you will be reimbursed for the cost of your missing belongings. If your policy covers damaged baggage, it will cover the cost of replacing covered items. This type of insurance usually has coverage limits, so your policy may limit you to $500 per lost bag or $1,000 for replacing your damaged belongings.

Travel insurance typically doesn’t cover the following:

• Cancellation due to a foreseeable event, such as severe storms.
• Restrictions implemented by government agencies, such as restricted travel due to the threat of a terrorist attack.
• Dangerous activities, such as skydiving.
• As noted above, travel insurance doesn’t cover pre-existing medical conditions. Elderly travelers should look into travel insurance for seniors .

If you have a European vacation coming up, follow these tips for finding the best travel insurance plan.

Use a comparison tool

Comparison tools allow you to view multiple plans and prices before enrolling. You may be able to get comprehensive coverage for a much lower price than if you buy direct.

Decide how much flexibility you need

Some travel insurance plans allow optional add-ons which can allow you more flexibility when you travel. For example, you can often buy Cancel For Any Reason coverage or Interruption For Any Reason coverage which can allow you to to cancel or interrupt your trip whenever necessary and be reimbursed. A comprehensive plan gives you more freedom, but also costs a good bit extra.

Choose your transportation methods carefully

Some travel insurance policies won’t cover trip delays unless you’re traveling via a common carrier. Therefore, if you are delayed while traveling in a rental car or private car, you may not be reimbursed.

Adventure sports may not be covered

You may not be covered for many common adventure sports such as hiking or snorkeling. Review your itinerary to determine if there are any adventure sports planned and be sure to check your plan to see if it covers these.

The table below provides an overview of entry requirements and travel information for your trip to France from the United States.

COVID-19 restrictions for entering France

France instated a health check system early during the COVID-19 pandemic. That  system was removed  on August 1, 2022, so you no longer need to provide proof of vaccination, take a COVID-19 test upon your arrival in France, or give authorities a compelling reason for your travel plans.

Reports from the CDC show COVID cases on the rise, therefore you may want to consider having a COVID travel insurance policy lined up in case you or a travel companion falls ill.

Do I need a visa or passport to travel to France?

If you plan to stay in France for longer than 90 days, you’ll need a long-stay Schengen visa. This visa works in France and 26 other countries in the Schengen Zone .

Is France in the Schengen?

Yes. France belongs to the Schengen Area. Under the Schengen Agreement and the Schengen Convention, countries in this zone allow their citizens to  cross internal borders  without going through border checks. This means you can pass from France to Italy easily, for example. If you plan to visit more than one destination throughout the year, consider an annual travel insurance plan.

Do I need to speak French to visit France?

Although French is the official language of the country, France is a popular tourist destination and is accustomed to hosting travelers from all over the world. English is spoken by many, especially in major cities and at popular tourist spots. This being said it is always advisable to make an attempt to learn some French. This will both adhere you to the local population and make your trip run far more smoothly.

Is it worth getting travel insurance for France?

Yes, it’s worth getting travel insurance before you travel to any country in the Schengen area. If you want to stay in this zone for more than 90 days, you’ll need to apply for a Schengen visa , which requires you to purchase travel insurance. Although you don’t need a Schengen visa for trips lasting 90 days or less, it’s still helpful to have insurance coverage for medical emergencies and other unforeseen events.

Am I required to have travel insurance to visit France?

You don’t need travel insurance for trips of 90 days or less. You are required to have travel insurance if you plan to visit a Schengen country for more than 90 days.

Will my U.S. health insurance cover me in France?

U.S. health insurance, including Medicare, doesn’t cover medical costs incurred in other countries. That’s why it’s so important to purchase an insurance policy before your trip.

Can Americans get free healthcare in France?

According to InterNations , you may qualify for coverage through the French national health care system if you plan to stay in France in a “stable and regular manner” for at least 6 months during the year. Otherwise, Americans don’t qualify for free health insurance in France.

Alana Luna (Musselman) is a versatile storyteller with over a decade of writing experience. She is passionate about helping people build their business through unique and engaging content. Some examples of her current freelance projects include building content strategies for small businesses, completing industry research to build case studies, crafting buyer guides and more.

She has a passion and keen ability to simplify complex ideas through storytelling to make it easier for readers to understand hard-to-digest information. As such, Alana’s writing holds strong three principles – content that educates, engages and entertains.

Apart from her contributions to LA Times Compare, Alana has freelanced and ghostwritten for large publications and prestigious brands such as Orbitz, Groupon, Amazon, JCPenney, Walmart and more.

Explore related articles by topic

• All Travel Insurance Articles
• Learn the Basics
• Health & Medical
• Insurance Provider Reviews
• Insurance by Destination
• Trip Planning & Ideas

Best Travel Insurance Companies & Plans in 2024

Best Medical Evacuation Insurance Plans 2024

Best Travel Insurance for Seniors

Best Cruise Insurance Plans for 2024

Best COVID-19 Travel Insurance Plans for 2024

Best Cheap Travel Insurance Companies - Top Plans 2024

Best Cancel for Any Reason (CFAR) Travel Insurance

Best Annual Travel Insurance: Multi-Trip Coverage

Best Travel Medical Insurance - Top Plans & Providers 2024

• Is Travel Insurance Worth It?

Is Flight Insurance Worth It? | Airlines' Limited Coverage Explained

Guide to Traveling While Pregnant: Pregnancy Travel Insurance

10 Romantic Anniversary Getaway Ideas for 2023

Best Travel Insurance for Pre-Existing Medical Conditions April 2024

22 Places to Travel Without a Passport in 2024

Costa Rica Travel Insurance: Requirements, Tips & Safety Info

Best Spain Travel Insurance: Top Plans & Cost

Best Italy Travel Insurance: Plans, Cost, & Tips

Best Travel Insurance for your Vacation to Disney World

Chase Sapphire Travel Insurance Coverage: What To Know & How It Works

2024 Complete Guide to American Express Travel Insurance

Schengen Travel Insurance: Coverage for your Schengen Visa Application

Mexico Travel Insurance: Top Plans in 2024

Best Places to Spend Christmas in Mexico this December

Travel Insurance to Canada: Tips & Quotes for US Visitors

Travel Insurance for Germany: Tourist Information & Tips

Best UK Travel Insurance: Coverage Tips & Plans April 2024

Travel Insurance for Trips to the Bahamas: Tips & Safety Info

Europe Travel Insurance: Your Essential Coverage Guide

Best Trip Cancellation Insurance Plans for 2024

What Countries Require Travel Insurance for Entry?

Philippines Travel Insurance: Coverage Requirements & Costs

Travel Insurance for the Dominican Republic: Requirements & Tips

Travel Insurance for Trips Cuba: Tips & Safety Info

AXA Travel Insurance Review April 2024

Travel Insurance for Thailand: US Visitor Requirements & Tips

Travel Insurance for a Trip to Ireland: Compare Plans & Prices

Travel Insurance for a Japan Vacation: Tips & Safety Info

Faye Travel Insurance Review April 2024

Travel Insurance for Brazil: Visitor Tips & Safety Info

Travel Insurance for Bali: US Visitor Requirements & Quotes

Travel Insurance for Turkey: U.S. Visitor Quotes & Requirements

Travel Insurance for India: U.S. Visitor Requirements & Quotes

Australia Travel Insurance: Trip Info & Quotes for U.S. Visitors

Generali Travel Insurance Review April 2024

Travelex Travel Insurance Review for 2024

Tin Leg Insurance Review for April 2024

Travel Insured International Review for 2024

Seven Corners Travel Insurance Review April 2024

HTH WorldWide Travel Insurance Review 2024: Is It Worth It?

Medjet Travel Insurance Review 2024: What You Need To Know

Antarctica Travel Insurance: Tips & Requirements for US Visitors

Travel Insurance for Kenya: Recommendations & Requirements

Travel Insurance for Botswana: Compare Your Coverage Options

Travel Insurance for Tanzania: Compare Your Coverage Options

Travel Insurance for an African Safari: Coverage Options & Costs

Nationwide Cruise Insurance Review 2024: Is It Worth It?

• Travel Insurance
• Travel Insurance for Seniors
• Cheap Travel Insurance
• Cancel for Any Reason Travel Insurance
• Travel Health Insurance
• How Much is Travel Insurance?
• Is Flight Insurance Worth It?
• Anniversary Trip Ideas
• Travel Insurance for Pre-Existing Conditions
• Places to Travel Without a Passport
• Christmas In Mexico
• Europe Travel Insurance
• Compulsory Insurance Destinations
• Philippines Travel Insurance
• Dominican Republic Travel Insurance
• Cuba Travel Insurance
• AXA Travel Insurance Review
• Travel Insurance for Thailand
• Ireland Travel Insurance
• Japan Travel Insurance
• Faye Travel Insurance Review
• Brazil Travel Insurance
• Travel Insurance Bali
• Travel Insurance Turkey
• India Travel Insurance
• Australia Travel Insurance
• Generali Travel Insurance Review
• Travelex Travel Insurance Review
• Tin Leg Travel Insurance Review
• Travel Insured International Travel Insurance Review
• Seven Corners Travel Insurance Review
• HTH WorldWide Travel Insurance Review
• Medjet Travel Insurance Review
• Antarctica Travel Insurance
• Kenya Travel Insurance
• Botswana Travel Insurance
• Tanzania Travel Insurance
• Safari Travel Insurance
• Nationwide Cruise Insurance Review

Policy Details

LA Times Compare is committed to helping you compare products and services in a safe and helpful manner. It’s our goal to help you make sound financial decisions and choose financial products with confidence. Although we don’t feature all of the products and services available on the market, we are confident in our ability to sound advice and guidance.

We work to ensure that the information and advice we offer on our website is objective, unbiased, verifiable, easy to understand for all audiences, and free of charge to our users.

We are able to offer this and our services thanks to partners that compensate us. This may affect which products we write about as well as where and how product offers appear on our website – such as the order in which they appear. This does not affect our ability to offer unbiased reviews and information about these products and all partner offers are clearly marked. Given our collaboration with top providers, it’s important to note that our partners are not involved in deciding the order in which brands and products appear. We leave this to our editorial team who reviews and rates each product independently.

At LA Times Compare, our mission is to help our readers reach their financial goals by making smarter choices. As such, we follow stringent editorial guidelines to ensure we offer accurate, fact-checked and unbiased information that aligns with the needs of the Los Angeles Times audience. Learn how we are compensated by our partners.

SimpleFrance

Travel Insurance in France: A Complete Guide for Foreigners

November 23, 2023

No Comments

While many might see travel insurance in France as just another checkbox in a long list of travel preparations, its significance runs deeper. For every foreign traveler in France, it promises the reassurance that even if things don’t go as planned, there’s a robust system in place to lend a helping hand.

It’s not merely about financial safety but more about ensuring a smoother, worry-free journey in the heart of Europe.

KEY TAKEAWAYS

• Travel insurance is an essential safeguard for unforeseen events during your French adventure.
• Understanding policy exclusions helps avoid unexpected coverage gaps.
• Different insurance packages cater to varied traveler needs.
• Always document incidents thoroughly when making a claim.
• Familiarizing oneself with local French healthcare can be invaluable.
• Digital backups of crucial documents can be lifesavers.
• Staying updated on travel advisories ensures a smooth journey in France.

Understanding the Basics of Travel Insurance in France

At its core, travel insurance is a policy that travelers can purchase to shield themselves from certain financial risks and losses that can occur during travel. These could range from inconveniences like delayed baggage to severe disruptions like emergency medical evacuations.

Distinguishing Between Travel and Health Insurance

One of the common misconceptions is confusing travel insurance with health insurance. While both serve crucial roles, they cater to different needs:

Travel Insurance: Broadly covers travel-related inconveniences, including but not limited to medical emergencies. Its focus is more transient and specific to the challenges faced while traveling.

Health Insurance: Primarily offers coverage for medical and health-related services, typically within one’s resident country. While some health insurance policies might provide limited international coverage, they often don’t encompass other travel-specific disruptions.

For someone living in or visiting France, understanding this distinction is vital. While the French healthcare system is renowned for its efficiency and coverage, travel insurance steps in to fill the gaps, especially catering to the unique needs of foreigners.

Coverage Components

Travel insurance is akin to an umbrella, providing protection from a myriad of potential issues. In France, as in most countries, travel insurance typically offers coverage for:

Medical emergencies: These can range from sudden illnesses to accidents requiring immediate medical attention. Given the high costs associated with medical treatments, especially for foreigners, this becomes an indispensable aspect.

Trip cancellations and interruptions: Whether it’s due to personal emergencies or unforeseen circumstances, travel insurance can assist in recovering costs associated with canceled or interrupted trips.

Lost or stolen possessions: From that essential passport to valuable jewelry, having a provision to claim lost or stolen items provides peace of mind.

Other emergencies: This can encompass situations like legal liabilities or needing emergency evacuations due to unforeseen crises.

Why Travel Insurance is Essential in France

Navigating the Unexpected

France, with its mesmerizing beauty, world-class cuisine, and rich cultural tapestry, beckons travelers from all over the globe. But as in any journey, the unexpected can and often does happen. It’s in these unforeseen moments that travel insurance emerges as a silent yet formidable ally, ready to support and guide.

Addressing Unforeseen Travel Disruptions

From the bustling Charles de Gaulle Airport to the scenic train rides along the Riviera, France offers an array of transport options. But sometimes, flights get delayed, trains get missed, or baggage goes astray. Travel insurance steps in by:

Covering unforeseen disruptions: Whether it’s a missed connection in Marseille or a canceled flight out of Bordeaux, travel insurance helps mitigate the costs and inconveniences. Instead of being burdened by sudden changes, travelers can make alternative arrangements without the weight of financial strain.

Medical Emergencies in a Foreign Land

The French healthcare system is undeniably one of the best in the world. Yet, for foreigners, navigating medical emergencies can be daunting, both emotionally and financially. Here’s where travel insurance plays a pivotal role:

Meeting high treatment costs: Even a minor ailment in France can incur substantial expenses. With the right travel insurance, foreigners can access medical services without the looming concern of exorbitant bills.

Facilitating urgent medical services: In dire situations, one might need immediate medical interventions or even evacuations. Travel insurance ensures these processes are swift, with the primary focus being the traveler’s well-being.

Guarding Against Personal Liabilities

Imagine causing unintentional harm to someone else’s property or, worse, to another person. These incidents, while rare, can have legal implications. Travel insurance offers:

Coverage for personal liabilities: Should one inadvertently cause harm or damage in France, travel insurance can help cover the associated costs, protecting travelers from potential legal ramifications.

Safeguarding Valuables and Personal Belongings

The thought of losing precious belongings, vital documents, or cherished souvenirs is unsettling. Fortunately, travel insurance provides:

Protection against theft or loss: Be it a cherished camera or essential travel documents, travel insurance aids in recovering the value of lost items, making sure that memories are about the beauty of France and not about misplaced belongings.

Types of Travel Insurance Packages Available

Here’s a breakdown of the common types of travel insurance packages available to assist travelers in making an informed choice.

Single-Trip Policies

Ideal for those who have just one trip lined up for the foreseeable future.

Coverage Duration: Typically covers the exact duration of your trip, from departure to return.

Scope: Addresses unexpected events related to that specific journey, from flight delays to medical emergencies in France.

Multi-Trip or Annual Policies

Perfect for frequent travelers or those who have multiple trips planned within a year.

Coverage Duration: A year-long coverage, irrespective of the number of trips taken.

Scope: It provides a blanket of protection for every trip undertaken within the policy’s tenure, eliminating the need to buy separate policies for each journey.

Long-Term or Backpacker Insurance

Designed with long-term travelers, students, or backpackers in mind.

Coverage Duration: Can range from a few months to a couple of years.

Scope: Beyond the regular travel inconveniences, these policies often cater to activities popular with backpackers or long-term travelers, such as trekking or part-time work during travels.

Specialized Packages

Tailored to specific needs or types of trips.

Adventure Sports Insurance: For adrenaline junkies planning on activities like skiing in the Alps or paragliding over the French Riviera. This covers potential accidents or injuries from such high-risk activities.

Student-Focused Insurance: Designed for foreign students studying in France. It addresses their unique needs, from medical care during their extended stay to coverage for their belongings in student accommodations.

Business Travel Insurance: For professionals visiting France for work. It often includes additional covers like equipment protection or even compensation for emergency trip extensions.

Cruise Insurance: Tailored for those embarking on French river cruises or ocean-bound voyages from French ports. It can cover specific cruise-related disruptions, from missed port stops to onboard medical emergencies.

Key Features to Look For in a Travel Insurance Policy

France beckons with its undeniable charm, and as travelers respond to this call, they need the assurance that their journey remains as idyllic as their dreams. The first step? Ensuring they choose the right travel insurance policy. With myriad options available, knowing the key features to prioritize can make the selection not only easier but also more effective.

Comprehensive Medical Cover

France’s healthcare system, while top-notch, can be costly for foreigners. A sound travel insurance policy should:

Cover a broad range of medical expenses: From doctor’s consultations to surgical procedures and even prescribed medications.

Include emergency dental care: Because a toothache can strike even when admiring the art at the Louvre!

Repatriation and Evacuation Services

Sometimes, medical emergencies are so severe that they require treatments back in one’s home country or specialized facilities.

Ensure prompt and safe transport: Whether it’s an emergency flight back home or transportation to a specialized medical center, having this feature ensures that critical medical needs are met without delays.

24/7 Assistance

The unpredictable nature of travel disruptions means they can occur at any time. Thus, having a policy that offers:

Round-the-clock support: A dedicated helpline or assistance service ensures that help is just a call away, no matter the hour.

Coverage for Personal Belongings and Legal Liabilities

While we all hope for smooth travels, mishaps like lost luggage or accidental damage to properties can occur. A robust policy should provide:

Compensation for lost or stolen items: This gives travelers the reassurance that even if they lose something valuable, they can recover its worth.

Protection against legal liabilities: In the rare event of unintentionally causing harm or damage, this feature shields the traveler from potential financial and legal repercussions.

Cancellation and Delay Benefits

The beauty of France might be timeless, but our travel plans aren’t always. For those unforeseen changes, it’s essential to have a policy that:

Compensates for unexpected trip cancellations: Whether due to personal emergencies or other unforeseen events, this feature ensures that pre-paid expenses don’t go to waste.

Covers costs associated with delays: Be it extended hotel stays or additional meals, these unexpected expenses are taken care of.

Understanding Policy Exclusions

While policies offer a vast range of protections, they also come with specific exclusions. Understanding these exclusions ensures that there are no unwelcome surprises, allowing travelers to experience France’s magic without hindrance.

Pre-existing Medical Conditions

Many policies will not cover medical emergencies stemming from a condition that existed prior to the purchase of the policy.

Some insurers offer additional coverage for pre-existing conditions at a higher premium. It’s crucial to read the terms carefully and declare any known conditions beforehand.

Adventure and High-Risk Activities

While the idea of bungee jumping off a bridge in the French Alps sounds exhilarating, it might not be covered by standard policies.

If planning adventure-filled escapades, consider specialized or additional coverage tailored for high-risk activities.

Unattended Belongings

Losing a camera while taking in the views from Mont Saint-Michel can be heart-wrenching. But if it was left unattended, the claim might be declined.

Advice: Always keep valuables secure and within sight, especially in public areas.

Incidents under the Influence

Experiencing the French wine regions is a treat, but accidents or mishaps occurring under the influence of alcohol or drugs often aren’t covered.

While indulging, ensure you remain aware of your surroundings and actions.

Civil or Political Unrest

The policy might not cover disruptions, injuries, or damages caused by protests, civil unrest, or political upheavals.

Stay updated with travel advisories, especially when visiting areas known for volatile situations.

Ignoring Official Warnings

Should one venture into areas against the advice of official travel warnings or advisories, insurance might not cover any resultant claims.

Always heed to official guidance, ensuring your travels are both safe and insured.

Travel for Medical Treatment

If the primary purpose of the trip is to seek medical treatment abroad, many standard policies won’t offer coverage.

Look for specialized medical travel insurance if embarking on a journey for healthcare reasons.

How to Purchase Travel Insurance

Here’s a step-by-step guide to simplify the process of purchasing travel insurance, ensuring that travelers are well-prepared for their French sojourn.

Determine Your Needs

Before diving into the myriad of options available, it’s essential to reflect on the kind of coverage you require.

Consider the nature of your journey. Is it a short holiday, a long-term backpacking adventure, or a business trip?

Are you planning on skiing in the Pyrenees or perhaps attending a wine tasting in Bordeaux? Your activities can determine the kind of additional coverage you might need.

Research Providers

There’s a plethora of insurance providers , each offering varied packages.

Look for Reputable Companies: Ensure that the insurer has a good track record and positive reviews, especially from fellow travelers to France.

Seek Recommendations: Talk to friends, family, or even travel forums to get insights on preferred insurance providers.

Review Policies Carefully

When you’ve shortlisted a few policies:

Read the Fine Print: Understand not just what’s covered, but also the exclusions, as discussed in the previous section.

Check the Coverage Limits: Ensure that the maximum coverage amounts are sufficient, especially for medical emergencies.

Seek Clarity

If any aspect of the policy seems ambiguous:

Reach Out: Don’t hesitate to contact the insurer directly. It’s crucial to have a clear understanding before committing.

Consider Additional Coverage

If the standard policies don’t cater to all your needs:

Opt for Add-ons: Many providers offer supplemental covers, be it for high-risk activities or specific gear.

Complete the Purchase

Once you’ve found the perfect policy:

Fill Out the Application: This typically involves sharing details about your trip, any pre-existing medical conditions, and other relevant information.

Make the Payment: Most providers offer online payment options, making the process seamless.

Keep Important Details Handy

Post-purchase, ensure you:

Store Policy Details Securely: Have both digital and physical copies. It’s also a good idea to share them with a trusted friend or family member.

Note Down Emergency Contacts: Have the insurer’s emergency helpline stored on your phone and also written down, ensuring accessibility at all times.

Making a Claim

Here’s a guide to making a claim, ensuring that even if things don’t go as planned, you’re well-equipped to navigate the situation with ease and confidence.

Act Promptly

The moment an incident occurs that might require a claim:

Notify the Insurer: Most travel insurance companies emphasize reporting incidents as soon as possible, often within 24 to 48 hours.

Document Everything

A successful claim is often backed by comprehensive documentation.

Gather Evidence: If it’s a medical emergency, obtain all medical reports and receipts. For stolen items, a police report from the local precinct will be crucial. If it’s a travel delay or cancellation, any communication or documentation from the airline or transport provider can help.

Click Photos: In situations like damaged luggage or a car accident, photographs can serve as valuable evidence.

Stay Organized

Keeping your documentation systematic can significantly smoothen the claims process.

Maintain a Folder: Whether it’s a physical folder or a digital one, having all related documents, photos, and correspondence in one place can be invaluable.

Follow the Insurer’s Guidelines

Every insurer has a specific procedure for claims.

Claim Forms: Fill out the required forms diligently, ensuring that all information provided is accurate.

Submit Required Documents: Ensure that you provide all the necessary documentation as specified by your insurer. This might include original receipts, police reports, or medical records.

Stay Updated

After submitting your claim:

Track the Claim: Most insurers offer a tracking system, enabling you to monitor the progress of your claim.

Stay in Touch: If you don’t hear back within the expected time frame, don’t hesitate to reach out for an update.

Understand the Outcome

Once the insurer has assessed your claim:

Approval: If your claim is approved, understand the compensation mechanism. Will the insurer make a direct payment, or will they reimburse you?

Rejection: If, for some reason, your claim is denied, seek clarity. Understanding the reason can help you make an informed decision on whether to appeal or how to better prepare for future incidents.

Related: Car Rental in France: Best Companies & Tips (2024)

A Few Helpful Tips

Navigating the world of travel insurance, especially when planning a journey to a mesmerizing destination like France, can feel overwhelming. Yet, armed with a few handy tips, travelers can find themselves not just well-insured but also more attuned to enjoying the beauty and culture that France has to offer. Here are some insightful tips to guide you along the way.

Before embarking on your journey:

• Familiarize Yourself with French Healthcare: France boasts one of the world’s best healthcare systems. Knowing the basics, such as the distinction between public and private hospitals or how pharmacies operate, can be invaluable during a medical emergency.

Given the importance of documentation:

• Digital Backups: Scan or click pictures of all crucial documents, including your insurance policy, passport, visas, and any prescriptions. Store them securely in the cloud or on a USB drive.

When exploring the French terrains:

• Be Vigilant in Crowded Areas: Tourist-heavy areas, such as the Eiffel Tower or the Louvre, can be hotspots for pickpockets. Being alert and keeping your belongings secure can prevent potential hassles.

In case of any unforeseen situations:

• Keep a List: Apart from your insurer’s helpline, have local emergency numbers, including medical, police, and fire services, stored in your phone and written down.

For European travelers:

• European Health Insurance Card (EHIC): If you’re from an EU country, having an EHIC can grant you access to state-provided healthcare in France on the same terms as French nationals.

To ensure a smooth journey:

Check Official Sources: Regularly visit official websites or apps that provide updates on any potential disruptions, strikes, or warnings related to your travel destinations in France.

In case of travel disruptions:

EU Air Passenger Rights: If flying with an EU airline or from an EU airport, familiarize yourself with your rights regarding flight delays, cancellations, or overbookings.

ABOUT Amelie

Where to Buy a Laptop in France | Online and Physical stores

Electronic Stores in France: Guide to buying Electronics

Leave a Comment Cancel reply

Save my name, email, and website in this browser for the next time I comment.

How Can Our France Expert Team Assist You Today?

SimpleFrance.com 609/205 Charoen Rat Rd Chiang Mai, TH

+ 45 65742003

Contact us Disclaimer Cookies

© 2024 SimpleFrance

France Travel Insurance

Travel insurance for france.

Welcome to France, where wine flows like poetry and cheese is an art form. This global hotspot has been seducing travelers for ages, and it's no wonder – from the iconic Eiffel Tower to the abundance of Michelin-starred restaurants and the art powerhouse that is the Louvre. Yet, before you embark on your French escapade, there's a vital detail to attend to: your travel insurance. This guide clues you in on everything you need to know about travel insurance for France. When those inevitable travel hiccups come knocking, just give them a nonchalant "C'est la vie" and let your reliable travel insurance work its magic.

What should your travel insurance cover for a trip to France?

How does travel insurance for france work.

• Do I need Travel Insurance for France? 
• How much does Travel Insurance cost for France? 

Our Suggested AXA Travel Protection Plan

• What types of medical coverage does AXA Travel Protection plans offer?
• Are There Any COVID-19 restrictions for Travelers to France?
• Traveling with pre-existing Medical Conditions? 

At a minimum, your travel insurance to France should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.  AXA Travel Protection plans are designed with these minimum recommended coverages in mind. 

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for France.

Imagine this: Say you're strolling through the streets of Montmartre, exploring local boutiques and art markets. Suddenly, you feel unwell. Those delightful pastries you tried may not have agreed with you, and suddenly, the allure of French cuisine loses its charm. AXA Travel Protection is your reliable ally in these unforeseen situations. From guiding you to the nearest medical facility to helping you navigate unexpected medical expenses, we've got your back. Travel mishaps can happen even in the City of Light, but with AXA Travel Protection, you can turn any unexpected twist into a well-managed tour de force. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits:

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for France?

Many travelers, depending on their nationality, are not required to secure travel insurance . However, there are scenarios where having travel insurance is required:

• If you are applying for a short-stay visa to enter France: Travel insurance that covers the entire Schengen territory is required. Your French visa application may be rejected without one.
• If your Schengen entry includes a country with travel insurance requirements: Some Schengen zone countries require travelers to show they have purchased travel insurance when they arrive at their entry point.

Why? There are several reasons:

Medical Emergencies: Your health is a top priority. If you face a sudden illness or injury in New York, travel insurance offers the means to receive prompt and quality medical care.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue.

Flight Delays: Travel disruptions like flight delays can happen. If you miss a connecting flight or incur additional expenses due to delays, travel insurance can help cover the costs.

How much does Travel Insurance cost for France?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to France will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that France hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.  

The Platinum Plan  is your go-to choice if you're looking for extra coverage aligned with the France’s experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the " Rental Car (Collision Damage Waiver) " offers assistance when you're out exploring France's stunning landscapes in a rental car. 

In case of a serious medical emergency, “Emergancy Evacuation and Repatriation” is crucial. It provides provisions for evacuation to the nearest appropriate medical facility or repatriation so you can receive the necessary medical care, especially if your condition requires specialized treatment. Finally, if you're skiing in the French Alp's world-renowned ski resorts, unpredictable factors such as adverse weather conditions or other unforeseen events can lead to the closure of ski slopes. The Platinum Plan’s "Lost Skier Days" benefit may offer coverage against expenses tied to unusable pre-paid ski tickets. This may ensure that even if your skiing plans face unexpected disruptions, you don't have to bear the full burden.

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

• Emergency Medical
• Emergency evacuation & repatriation
• Non-medical emergency evacuation & repatriation

Emergency medical: Addresses unforeseen situations, including but not limited to broken bones, burns, sudden illnesses, and allergic reactions. Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. Non-medical emergency evacuation and repatriation: Offers assistance in leaving a destination promptly due to non-medical-related events. These events may include occurrences such as natural disasters or civil unrest.

Are there any COVID-19 restrictions for travelers to France?

No. France has dropped all COVID-19 restrictions for travelers from the United States.  

Traveling with pre-existing Medical Conditions?

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.  Our Gold and Platinum Plans offer coverage for pre-existing medical conditions. The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons. What does this mean for you? If you've got a medical condition hanging around, you can qualify for coverage under our Gold and Platinum plan with a preexisting medical condition, so long as it’s within 14 days of placing your initial trip deposit and in our 60 day look back period. We're here to make sure you travel with ease, no matter your health situation.

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance for France?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip.  Additionally, our policies offer coverage for pre-existing medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.

3. Do Americans need travel insurance in France?

No, travel insurance is not required for U.S. citizens traveling to France.

4. What is needed to visit France from the USA?

U.S. citizens visiting France for tourism or business and staying for 90 days or less do not need a visa. However, a passport valid for at least three months beyond the planned date of departure from the Schengen area is required. Additionally, several documents such as proof of purpose of stay, evidence of sufficient funds, and onward/return ticket may be requested.  

5. What happens if a tourist gets sick in France?

If you become sick in France, travelers with AXA Travel protection can contact the AXA Assistance hotline at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.   

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

AXA already looks after millions of people around the world

With our travel insurance we can take great care of you too

Get AXA Travel Insurance and travel worry free!

Travel Assistance Wherever, Whenever

Speak with one of our licensed representatives or our 24/7 multilingual insurance advisors to find the coverage you need for your next trip.

Top Three Options for Travel Insurance to France

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Jarrod Suda

A writer and editor at Monito, Jarrod is passionate about helping people apply today’s powerful finance technologies to their lives. He brings his background in international affairs and his experiences living in Japan to provide readers with comprehensive information that also acknowledges the local context.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Home to fine food, charming cities and landscapes, the Louvre, Eiffel Tower, and countless local treasures, France is a country that's captured the imaginations of tourists and expats for decades. It should come as little surprise then that France frequently ranks as the most visited country on the globe. —

However, for tourists and expats, healthcare costs in France can be surprisingly high and can add up quickly. As a result, it's always best to visit the country with health insurance under your belt to cover your bases.

Luckily for you, global insurance platforms (or 'insurtechs') offer cost-savvy travel insurance to France and other countries worldwide. In our list below, we explore the four that we think offer the best deals for younger travellers, adventurers, everyday holidaymakers, and longer-term expats looking for wide but affordable coverage.

Heading to France soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2023.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn some French? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.
• 🍷 Going to Paris? See the best months to travel .

Top Three Travel Insurances for France

• 01. Best for medical coverage: VisitorsCoverage scroll down
• 02. Best coverage for youth: SafetyWing scroll down
• 03. Best all-round travel and medical coverage: Insured Nomads scroll down
• 04. FAQ about travel insurance for France scroll down

Best Overall: VisitorsCoverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive coverage for travellers going abroad to France. It lets you choose between various plans tailored to meet the specific needs of your trip to France, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for France:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent, but only available to US customers. Includes coverage for trip cancellation and interruption, lost or stolen luggage, adventure and sports activities, and many others.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall travel and medical coverage

Best for Youth: SafetyWing

France attracts tourists of all ages, young and old alike. However, when it comes to travel insurance, young people are the least likely age group to take out a policy before travelling — usually because young people are healthier and travel more frugally, and therefore aren't always convinced they should pay additional money for travel insurance.

Fortunately, not all travel and travel insurance providers are expensive, and some, such as SafetyWing , are geared toward a younger age group altogether. Known for its focus on insuring nomads and remote teams, SafetyWing is an online insurance provider offering some of the best pricing for international travel insurance on the market. It offers decent coverage at a very affordable rate, which makes it stand out as an excellent choice for travel insurance in France ⁠— no matter where you're travelling from!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers one standard plan for international travellers, though the pricing differs by age group. Below, we focus only on the youth category (18 to 39 years old) as we believe this is where SafetyWing's offer is most interesting.

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Travel coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

Best Overall Coverage: Insured Nomads

By far and away the most popular charms of France is its grandiose streets, quaint cafés, fine food and wine, and abundance of historical sites and museums. Therefore, the country attracts millions of tourists every year who are neither young people looking for fun nor outdoor sports enthusiasts. —

Aimed at travellers, remote workers, and globetrotters alike, Insured Nomads is another savvy insurtech platform offering travel insurance for France that's ideal for extensive medical- and travel-related coverage. Founded and run by expats around the globe, Insured Nomads offers an impressive range of travel insurances, including a larger scope of medical-related coverages than the other providers in this article.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

We go over Insured Nomads' basic plan below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Travel coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive travel insurance

FAQ About Travel Insurance for France

No, you'll not be required to take out travel insurance for France. However, we strongly encourage you to do so anyway, because the cost of healthcare in France can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of having to cover those costs yourself in case you need medical attention during your stay.

Health insurance doesn't cover normal holiday expenses, such as flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers costs that are commonly associated with travelling. This can (and usually does) include medical expenses, but it also often includes coverage for personal belongings, as well as other benefits.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

Monito is trusted by 15+ million users across the globe.

Monito's experts spend hours researching and testing services so that you don't have to.

Our recommendations are always unbiased and independent.

Javascript est desactivé dans votre navigateur.

République Française

Service-Public.fr

Le site officiel de l’administration française

• Se connecter
• Accéder au site pour les entreprises

This page has been automatically translated. Please refer to the page in French if needed.

Share the page

Link copied

Le lien vers cette page a été envoyé avec succès aux destinataires.

Health insurance of a foreigner in france.

Verified 15 February 2024 - Directorate for Legal and Administrative Information (Prime Minister)

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden

Are you a foreigner and are you planning to settle in France? Health insurance rights differ if you are a citizen of a European Economic Area (EEA) countries and Switzerland, the United Kingdom or another country. The rules applicable and the steps to be taken depend on your status (employee, pensioner, student, jobseeker). Here are the rules to know.

European (European Union, Iceland, Liechtenstein, Norway, Switzerland)

United kingdom, other country.

It's not the same whether you have the EHIC or not.

Répondez aux questions successives et les réponses s’afficheront automatiquement

You have a European Health Insurance Card (EHIC) or a temporary replacement certificate

You got it from the social welfare agency from your country of origin an EHIC.

You can receive reimbursement for your medically necessary care in France under the same conditions as if you were in your country.

Your card must be valid at least until the end of the current academic year.

You do not have a European Health Insurance Card (EHIC) or a temporary replacement certificate

You must register on the website student-foreigner.ameli.fr.

Registration of a foreigner student to Social Security

The approach differs depending on whether or not you receive unemployment benefits from your last State of affiliation.

You receive unemployment benefits from the last State of affiliation

For care, you present to the health insurance fund in France your European Health Insurance Card (EHIC) .

You do not receive unemployment benefits from the last State of affiliation

Before you leave , you will request from your health insurance organization a certificate of transfer of the rights to benefits from the health insurance in case a continuation of the right of this plan would be provided for:

• EHIC or the certificate in its place
• Or the S1 portable document

If there is no provision for legal maintenance, you contact the health insurance of your place of residence in France to determine under what conditions you may be eligible for social insurance.

The approach is not the same whether you are expatriate or seconded.

If you are an expatriate

If you come to work and reside in France as an expatriate, you are insured in France (with exceptions, for example, if you are a public servant).

You are no longer insured in your country of origin and must contribute to the French social security system.

Under the universal health protection (Puma) , you shall be entitled to the payment of your health costs without waiting period. You don't have to have worked a certain number of hours.

It is up to your employer to take the steps to open your rights with the French Health Insurance.

Before you leave for France , you must obtain form E 104 from your sponsoring organization. It is a certificate that totals, in your previous country, periods:

• Or residence

It must be returned to your French health insurance fund.

These periods are taken into account as French insurance periods for the opening of your rights to sickness insurance benefits in France.

If they have been residing in France with you since more than 3 months , your family members are covered by the French Health Insurance and are reimbursed for health care, medical treatment and hospitalization.

If they remain resident in your country of origin , you request the form S1 provided by your French Health Insurance.

Your family members' health insurance in the State of residence will check whether they are family members under local law. If so, this form will allow your family members to benefit in their country of residence from health insurance benefits.

If you're detached

If you are temporarily posted by your employer ( Maximum 24 months unless derogated) in France and you reside there, you continue to be covered by the social security scheme of your country of origin.

In order to benefit from the care that will be provided to you in France as if you were affiliated to it, you must register for the French Social Security system.

For that, you must, before you leave , request document S1. You should ask the health insurance organization you report to in your country of origin.

Once in France However, it must be handed over to the health insurance fund of your home. You will then benefit from the support for expenses in France.

You will continue to benefit from your health insurance for all care received in your country of origin.

Your family members who accompany you to France can also benefit, under certain conditions, from the reimbursement of the care provided to them in France.

Please note

You are posted to France from Switzerland  ? If you transfer your residence to France for a long time, you can choose between French health insurance and Swiss health insurance.

If you are a public servant

If you are an official of another European country, sent to France (e.g. diplomatic staff), you remain subject to the social protection scheme of the country to which your administration belongs.

In order to receive reimbursement for your medical treatment in France, you must first ask your affiliation organization on S1 document (registration for health insurance coverage).

You must then present this document to the competent health insurance fund in France.

You can transfer your rights to Health Insurance.

General case

If you are retired from another European country and come to live your retirement in France, you can transfer your rights French Health Insurance.

You have to ask to the fund of the country in which your pension is due document S1 (registration for health insurance coverage).

It is this fund that sends the document to your health insurance fund in France.

This document allows your attachment to the French social security system.

Your family members accompanying you to France must also apply for the S1 document.

Switzerland

If you hold a pension exclusively from the Swiss scheme and you reside in France, you benefit from a right of option.

You must apply for a long-stay student visa to come and study in France.

You have a European Health Insurance Card (EHIC), a replacement certificate or a Global Health Insurance Card

You have a s1 portable document, we don't have any of those documents.

There are no international texts allowing you to benefit from the services of your country of origin in France.

You can get closer to France Travail (formerly Pôle emploi) to find out if you can benefit from French services.

Who shall I contact

• France Travail (formerly Pôle emploi)

Expat worker

Under the universal health protection (Puma) , you are entitled to be reimbursed for your health costs without waiting period (it is not necessary to have completed a minimum of working hours).

You must register on the site dedicated to the reception of students, in order to benefit from the coverage of your health expenses upon your arrival in France.

Health insurance: registration of a foreigner student

Ask France Travail (formerly Pôle emploi) if you can benefit from French services.

If you are an expatriate or seconded, it is recommended to contact the Cleiss. If you are a civil servant and sent to the embassy, you keep your Health Insurance.

You can get in touch with the Cleiss to find out the conditions for reimbursing your health expenses.

"Numéro d'urgence:" Center for European and International Social Security Liaison (Cleiss) Center for European and International Social Security Liaison (Cleiss)

General information on social security abroad and assistance in the application of individuals

By telephone

+33 (0) 1 45 26 33 41

• Monday from 9 am to 12:30 pm
• Tuesday from 1.30pm to 4.30pm
• Wednesday from 9 am to 12:30 pm
• Thursday from 1:30pm to 4:30pm
• Friday from 1:30pm to 4:30pm

Access to contact form

Access to site

The conditions of your secondment are defined by the social security convention which your country of origin has signed with France.

If you are sent by your administration to an embassy, consulate or other official body, you will still be covered by your country's health insurance.

Who can help me?

Find who can answer your questions in your region

• Primary health insurance fund (CPAM)

Statute and miscellaneous references

Regulation No 883/2004 of 29 April 2004 on the coordination of social security systems

Regulation No 987/2009 of 16 September 2009 on the coordination of social security systems

What is Universal Health Protection (UHC)?

Additional topics

Form S1 - Registration for sickness insurance benefits

Center for European and International Social Security Liaison (Cleiss)

Information concerning the S1 form and its use

Welcome to France: personalized information for your installation in France

Business France

French social protection scheme for employed persons

Presentation of the coordination of European social security systems

Coordination of social security in the European Union

European Commission

Reside in France on a stable and regular basis

Solidarity Health Complementary Fund

You come to study in France

National Health Insurance Fund (Cnam)

Student: your support

Countries under a social security convention

You are a pensioner of the only Swiss scheme and come to live your retirement in France

Social security and international mobility

You come to France to work as a detached from Switzerland

Travel insurance, assistance and healthcare in France

Mandy langfield spoke to experts in insurance, assistance, healthcare provision and air medical transport to find out more about the challenges and opportunities within the french market, healthcare system overview.

The healthcare system in France comprises a fully integrated network of public hospitals, private hospitals, doctors and other medical service providers. It is a universal service providing healthcare for every citizen, irrespective of wealth, age or social status.

The system is funded from four sources:

• Obligatory health contributions are levied on earned income, which is paid by employers, employees and the self-employed
• Obligatory contributions levied on unearned income (investment income, pensions, etc)
• Central government funding
• Users who normally have to pay a small fraction of the cost of the healthcare that they receive.

In European terms, the French healthcare system is one of the better funded in terms of gross domestic product (GDP), and average in terms of general practitioners (GP), hospital beds and nursing professionals. A&E services (les urgences) are part of the national heathcare system. In France, emergency medical services are provided by a mix of organisations under public health control. The central organisations that provide these services are known as a SAMU (Service d'Aide Médicale Urgente – Urgent Medical Aid Service). SMUR (Service Mobile d’Urgence et Réanimation – Mobile Emergency and Resuscitation Service) refers to the ambulances and response vehicles that provide advanced medical care.

Helicopter Emergency Medical Services are provided by the government and under contract to Babcock, which operates from 28 bases across the country, owns and maintains a fleet of 35 specialist emergency medical service (EMS) aircraft and provides specialist medical crews and aircraft engineers.

Access to French Healthcare system for non-residents

Temporary visitors to France from the EU/EEA/Switzerland can access public healthcare if they have a European Health Insurance Card (EHIC) card; and since 2021, visitors from the UK can access public healthcare if they have a Global Health Insurance Card (GHIC) – which replaced the EHIC after Brexit – although their EHIC will be valid until the expiration date of the card.

Generally, medical care in France is not free at the point of delivery – the patient is required to pay and later obtain reimbursement on presentation of a receipt called a feuille de soins; usually around 70 per cent of the costs, sometimes less for prescription medications and laboratory tests. Usually up to 80 per cent of the cost will be reimbursed for inpatients. However, some expenses such as private rooms or a television will not be covered, so for travellers, having a travel insurance policy is still recommended even if they are also eligible for an EHIC or GHIC. 

Louise Heywood, General Manager of the International Assistance Group (IAG), noted: “The level of reimbursement of dental care in France is also low, so if emergency dental care is necessary it is recommended to have travel insurance that will cover it.”

She added: “Finding a doctor in France is not difficult, although having some knowledge of the French language does make using the online systems such as ameli or doctorlib easier. Contacting the insurer’s assistance company will make it easier [for the client] as they are likely to have preferred doctors in most locations whom they know will have good English skills for non-French speakers including access to private 24/7 medical emergency services which can send a doctor to a home or hotel instead of using an ambulance.”

Providing international patient services

Specialist healthcare is provided by thousands of specialists in all branches of medicine in towns and cities throughout France. Specialists charge higher fees than GPs – but again there are official rates agreed with the national health service, which form the basis on which patients are reimbursed. A large number of specialists apply tariffs that are higher than the official rates; in such cases, patients will either be reimbursed according to the standard rate, or else at a higher rate, if their health insurance provider provides for this.

There are two sorts of hospitals in France; generally speaking, these are known as hôpitaux when they are state run, and cliniques when they are privately run. Most private cliniques are state-approved, and can therefore work for the national health service. Many specialists work in both state-run hospitals and in private clinics; since they are self-employed professionals, they can sell their services to whatever hospital or clinic will pay them.

Dr Issam Badaoui, Senior Medical Director, Medevasan, spoke to ITIJ about what insurers with clients in French hospitals need to know about the system: “The difference between the French healthcare and medical assistance market and the others in Europe is the following: in France there is an undeveloped billing system in public facilities – in hospitals, there can be an absence of a billing department staff after business hours; the department may also limited in their English capabilities within the staff. There can also be a long wait to get appointments, but there is easy access to emergency department of the public hospital even if the patient doesn’t have a way to pay.”

He continued: “In terms of billing in public hospitals, we don’t face big challenges, the medical expenses are usually accurate. However, placing a guarantee of payment (GOP) is often a challenge, especially for foreign companies that don’t have French language abilities; and after business hours you need to have a good network, otherwise you will face discontinuity in terms of acceptance between various people from the billing department.

Private hospitals often are part of large groups like Ramsay (former Générale de Santé), Almaviva, Elsan, among others. Outside of that, in more rural areas, facilities are more likely to be public, smaller and without the full range of departments and treatments

“There are limited providers with a 24/7 English speaking staff monitoring the key steps of the mission. Unfortunately, there are plenty of providers that don’t have the right operation to match the requirements or the expectations of international companies; very few will be able to cover most of the country.”

Louise Heywood of IAG noted: “Private hospitals often are part of large groups like Ramsay (former Générale de Santé), Almaviva, Elsan, among others. Outside of that, in more rural areas, facilities are more likely to be public, smaller and without the full range of departments and treatments.” She agreed that it can be challenging to find English-speaking staff, both medical and administrative. She added: “They are often unlikely to have an international billing department or experience with foreign patients.”

And this, of course, is where the role of assistance companies with experience of working with international payers come in.

The evolution of assistance services

France pioneered the sector of assistance companies with the creation of Europ Assistance by Pierre Desnos in 1963 with the support of Generali. Mondial, now part of AXA and Allianz, are also well established. Over 10,000 workers are employed in the assistance industry in France.

The Syndicat National des Sociétés d’Assistance (SNSA) was created in 1981. Its nine members represents 97 per cent of French assistance providers, and defends the interests of the profession. The International Assistance Group (IAG) was formed in 1992 to help smaller, independent assistance companies provide reciprocal services, share provider networks and reduce costs of developing and managing global providers.

High salaries mean high costs in air medical services

Paul Tiba, Managing Director of Airlec Ambulance in Bordeaux, France, pointed out one particular aspect of the French healthcare system of which international payers should be well aware: higher rates of pay. “One major factor that is challenging for providers are the extremely high costs for salaries of pilots and medical crew alongside the very strict regulations regarding employment and hospital work. Airlec, for example, employs all of its medical staff – including its flight doctors – as direct employees, as required by French law. Unfortunately, like in many other countries, staff shortages are currently a huge issue on both sides – medical crews and pilots – which has been a result of the pandemic and massive workload in hospitals. Another development that we at Airlec have noticed is that it has become quite difficult to secure beds – especially intensive care unit (ICU) beds – all over France. Whilst the situation is not as bad as it is currently in the UK, we do feel the effect of an overloaded healthcare system.”

Heywood told ITIJ that remnants of the old French colonies also mean that international repatriations are relatively common: “Residents in overseas French territories, such as the West Indies, are routinely transported to mainland France for treatment not available locally.  As a result, commercial airlines such as Air France/KLM offer stretchers onboard as a routine procedure and there are several very experienced private air ambulance companies.”

Travel value

France has been one of the world’s leading tourist destinations for more than 30 years. In 2019 (the last year for ‘normal’ figures), 90 million international tourists visited France; in the same year tourism accounted for eight per cent of gross domestic product.

In June 2021, French Prime Minister Jean Castex presented the goals set out in the Destination France plan. This plan aims to set a trajectory of 10 years for the tourism sector to bounce back after being hit particularly hard by the public health crisis.

the main nationalities of the tourists the company is currently assisting are from Western Europe, but that he is gradually seeing more visitors coming from the US, Middle East and Asia

Data from the United Nations World Tourism Organisation (UNWTO) shows that France saw a 45-per-cent decline in tourist expenditure in 2020 compared to 2019, and then a 31-per-cent decrease in 2021 compared to 2019, so it’s fair to say that the recovery is underway. Strict travel restrictions throughout 2021 no doubt contributed to this slower recovery. France’s leading source market of tourists has long been the UK, and complex rules for travel from the UK to France – who remembers the ill-thought-through ‘red, amber, amber-plus, and green’ list of travel restrictions? – meant that many travellers who would normally have headed across the Channel chose alternative destinations in 2021.

De Badaoui told ITIJ that the main nationalities of the tourists the company is currently assisting are from Western Europe, but that he is gradually seeing more visitors coming from the US, Middle East and Asia. He added: “The number of tourists is not a problem, but it’s a matter of being able to match international tourists’ requirements; an assistance company will be able to support [them], but the patient might often end up disappointed not having the service he is expecting. For example, you will find tens of providers of teleconsultation, appointments booked online in French with no real support, no cashless service, service not being available every day, however very few are offering the expected service: to be available 365 days a year, offering bilingual support with a human touch beyond a teleconsultation. The same applies for outpatient appointments, inpatient medical monitoring, ground ambulance arrangement, medical escorts and all medical services related to the assistance field.”

IPMI and international student health insurance

Of course, it’s not just leisure visitors heading back out into the big wide world again post-Covid. International study abroad programmes are also recommencing, and France is a popular destination for these young travellers. Insurance provider APRIL International has reported ‘a substantial increase’ in the number of policy enquiries it is seeing for this niche group of clients. Isabelle Moins, Head of the International Private Medical Insurance (IPMI) Division for Europe at APRIL International, told ITIJ: “In many ways, volumes are above forecast, as there is both the normal intake and the backlog.”

APRIL’s clients are granted a free medical phone consultation system

Travellers and students in their early 20s are at particularly high risk of needing mental health support services while they are away from their home country, and specific services need to be in place to ensure these needs are being met. Telemedicine services are going to be an essential tool in the box for insurers with these clients – younger clients will appreciate the immediate solutions on offer. APRIL’s clients are granted a free medical phone consultation system, offering unlimited 24/7 support. “Importantly, TeleHEALTH includes expert mental health support,” Moins added.

IPMI is also a must-have for expats in France, and those numbers are also increasing once again, according to APRIL, despite new Brexit rules on residency. A visa is required for all stays of over three months, but this will not be issued without evidence of private health insurance, such as short-term IPMI cover. Moins told ITIJ: “Once fully registered with a visa, expats will have access to the basic free state healthcare on offer, so the demand is likely to be for bespoke top-up cover.”

Challenges remain, but the outlook for travel insurers is positive

According to Global Data, net earned travel insurance premiums in France are going to rise from a forecast of US$2.86 billion in 2022 to $3.37 billion in 2026, which shows slow but steady increases in the coming few years.

Manogna Vangari, Insurance Analyst at GlobalData, comments: “Travel insurance demand in France is poised for a steady recovery with further easing in travel restrictions and insurers making provisions related to Covid-19 in travel policies. The growth is expected to be around 2.6 per cent in 2022 and have a value €2.4 billion ($3 billion) in terms of net earned premium.

The travel insurance loss ratio is expected to consistently improve from an estimated 70.5 per cent in 2022 to 68.2 per cent in 2025

With living and travelling with Covid-19 becoming the new normal, many French insurers have introduced varied provisions on its inclusion in travel insurance, ranging from healthcare and quarantine costs, trip cancellation or modification, and refunds due to delays in test results. The focus is also on policy wordings to ensure the fulfillment of specified conditions to qualify for benefits.

Ms.Vangari adds: “We expect that with these added measures, technical results of travel insurance will somewhat improve until 2025. The travel insurance loss ratio is expected to consistently improve from an estimated 70.5 per cent in 2022 to 68.2 per cent in 2025. Diversification of distribution channels, including sales through wholesale brokers via their booking platforms, start-ups, travel blogs, and online aggregators, will further aid growth in travel insurance. Between 2022 and 2025, travel insurance is expected to grow at an average annual growth of 3.3 per cent.”

ITIJ spoke to Allianz’s travel team in France about how they view the country’s travel insurance market at the moment, and generally, it seems to be a positive outlook. “We are observing an increase in the insurance conversion rate by almost 40 per cent compared to 2019,” said Catherine Dibouès, Regional Head of Product Management & Innovation Travel, at Allianz Travel. This was attributed to a couple of reasons:

• The increase in destinations that have made travel insurance mandatory for entry into their territory from Covid
• Travellers have become more sensitive to risks and therefore more willing to purchase travel insurance.

“However,” she continued, “it should be noted that this increase in the conversion rate would never have been possible if we had not adapted our offers to the needs of travellers – from 2020, we were among the first insurers to offer coverage for epidemics/pandemics including those related to Covid-19.”

France – plenty to offer for insurers and quality healthcare system

Paul Tiba of Airlec extolled the virtues of France as a destination in which insurers can be confident that the needs of their insureds will be catered to: “France – the country where medical assistance and aeromedical repatriations were invented – has a deeply rooted assistance mindset in its medical healthcare system and regional medical operations. French doctors truly live the spirit of assistance, which is well supported and acknowledged by the French government, which often works closely with assistance and aeromedical companies when French citizens need help abroad. Due to the amazing diplomatic network and understanding that France is a safe haven with excellent medical practices it allows for the most complex missions to be planned and performed.”

• Best Extended Auto Warranty
• Best Used Car Warranty
• Best Car Warranty Companies
• CarShield Reviews
• Best Auto Loan Rates
• Average Auto Loan Interest Rates
• Best Auto Refinance Rates
• Bad Credit Auto Loans
• Best Auto Shipping Companies
• How To Ship a Car
• Car Shipping Cost Calculator
• Montway Auto Transport Reviews
• Best Car Buying Apps
• Best Websites To Sell Your Car Online
• CarMax Review
• Carvana Reviews
• Best LLC Service
• Best Registered Agent Service
• Best Trademark Service
• Best Online Legal Services
• Best CRMs for Small Business
• Best CRM Software
• Best CRM for Real Estate
• Best Marketing CRM
• Best CRM for Sales
• Best Free Time Tracking Apps
• Best HR Software
• Best Payroll Services
• Best HR Outsourcing Services
• Best HRIS Software
• Best Project Management Software
• Best Construction Project Management Software
• Best Personal Loans
• Best Fast Personal Loans
• Best Debt Consolidation Loans
• Best Loans for Bad Credit
• Best Personal Loans for Fair Credit
• HOME EQUITY
• Best Home Equity Loan Rates
• Best Home Equity Loans
• Best Checking Accounts
• Best Free Checking Accounts
• Best Online Checking Accounts
• Best Online Banks
• Bank Account Bonuses
• Best High-Yield Savings Accounts
• Best Savings Accounts
• Average Savings Account Interest Rate
• Money Market Accounts
• Best CD Rates
• Best 3-Month CD Rates
• Best 6-Month CD Rates
• Best 1-Year CD Rates
• Best 5-Year CD Rates
• Best Jumbo CD Rates of April 2024
• Best Hearing Aids
• Best OTC Hearing Aids
• Most Affordable Hearing Aids
• Eargo Hearing Aids Review
• Best Medical Alert Systems
• Best Medical Alert Watches
• Best Medical Alert Necklaces
• Are Medical Alert Systems Covered by Insurance?
• Best Online Therapy
• Best Online Therapy Platforms That Take Insurance
• Best Online Psychiatrist Platforms
• BetterHelp Review
• Best Mattress
• Best Mattress for Side Sleepers
• Best Mattress for Back Pain
• Best Adjustable Beds
• Best Home Warranty Companies
• American Home Shield Review
• First American Home Warranty Review
• Best Home Appliance Insurance
• Best Moving Companies
• Best Interstate Moving Companies
• Best Long-Distance Moving Companies
• Cheap Moving Companies
• Best Window Replacement Companies
• Best Gutter Guards
• Gutter Installation Costs
• Best Window Brands
• Best Solar Companies
• Best Solar Panels
• How Much Do Solar Panels Cost?
• Solar Calculator
• Best Car Insurance Companies
• Cheapest Car Insurance Companies
• Best Car Insurance for New Drivers
• Same-day Car Insurance
• Best Pet Insurance
• Pet Insurance Cost
• Cheapest Pet Insurance
• Pet Wellness Plans
• Best Life Insurance
• Best Term Life Insurance
• Best Whole Life Insurance
• Term vs. Whole Life Insurance
• Best Travel Insurance Companies
• Best Homeowners Insurance Companies
• Best Renters Insurance Companies
• Best Motorcycle Insurance

Partner content:  This content was created by a business partner of Dow Jones, independent of the MarketWatch newsroom. Links in this article may result in us earning a commission.  Learn More

Travel Insurance for a France Vacation (2024)

See how travel insurance for France can help protect you from financial loss due to trip cancellation, medical emergencies and other unexpected interruptions.

in under 2 minutes

Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

When planning a trip to France, purchasing travel insurance can offer peace of mind if medical emergencies, travel interruptions or other unforeseen circumstances occur. Travel insurance for France can reimburse you for canceled flights, trip delays, lost baggage, medical coverage and more.

We at the MarketWatch Guides Team have reviewed the best travel insurance providers to help you find the right coverage for your vacation to France. Read on for France travel requirements and to learn the benefits and costs of travel insurance plans.

Compare France Travel Insurance Companies

Use the chart below to compare pricing and included benefits from leading travel insurance carriers for your trip to France.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for France?

It is not mandatory to have travel insurance coverage to visit France — unless you are traveling from a country that requires a Schengen visa. U.S. citizens can enter France with a valid passport for up to 90 days, after which they must submit a visa application.

Although travel insurance is not required for American tourists , you may still choose to buy coverage. Travel insurance can reimburse you for prepaid, nonrefundable costs (subject to conditions) in the event of unexpected trip cancellations or delays. Most policies also protect your belongings, including your luggage, against theft, loss and damage.

The U.S. Department of State recommends you purchase travel insurance if you do not have health care coverage abroad. France does not offer free health coverage to tourists, and treatment may be expensive if you require medical treatment while on vacation. It’s a good idea to choose an insurance policy that covers sporting accidents and injuries if you’re participating in activities such as snow sports in the French Alps or water sports along the French Riviera.

Cancel for Any Reason Coverage

Cancel for any reason (CFAR) coverage is supplemental travel insurance for those who prefer flexibility when planning a trip. Standard travel insurance policy includes predetermined reasons for which you can claim reimbursement for travel cancellations, including medical emergencies, the death of a family member and legal obligations.

CFAR ensures you can cancel your travel plans at your discretion. Say you’re traveling to Paris for a wedding, but the wedding gets canceled, and you decide to visit Lyon instead. With CFAR coverage, your provider can reimburse part of your prepaid trip costs.

It’s important to note that CFAR coverage is subject to disclaimers, deductibles and restrictions. For example, many insurance companies include time restrictions for reimbursement, such as a clause to cancel within 48 or 72 hours of departure.

Gear Theft Protection

You may plan to take valuables with you for activities on your French vacation, from photographing the Eiffel Tower to rock climbing in Fontainebleau and cycling in Bordeaux. Gear theft protection is useful to help recoup the cost of lost or stolen goods. For a trip to France, you may wish to take the following:

• Smartphone or tablet
• Professional camera and equipment
• Sports equipment, including snowboards

As general advice, trip insurance is subject to predetermined coverage limits and exclusions may apply. Your policy may not cover the full value of stolen or damaged items. For this reason, consider leaving irreplaceable items at home or in a locked hotel safe.

Medical Emergency Insurance and Emergency Medical Evacuation

France has a highly-ranked healthcare system , but the country does not extend coverage to tourists. And European health insurance cards (EHIC) are not available to residents of non-European Union countries without Schengen visa insurance.

Travel medical insurance is recommended for U.S. citizens as Medicare doesn’t apply overseas. However, you may have coverage if you have private insurance.

Medical costs may be significant if you require treatment for pre-existing conditions or emergencies in the absence of insurance. Travel insurance for medical emergencies can cover a range of expenses, including:

• Hospital fees
• Operating room charges and anesthesia
• Dental emergencies
• Lab tests and X-rays

Most travel health insurance plans include emergency medical evacuation and repatriation if local medical care is not available and you need to fly back to your home country.

Rental Car Protection

Though public transportation offers an easy way to explore France, you may prefer the freedom of renting a car. Car rental rates include unlimited liability and fire insurance coverage in France. Rental companies may also offer premium car insurance to further limit liabilities while on the road.

Premium insurance policies typically include the following safeguards:

• Collision damage waiver and theft protection
• Tire and windshield protection
• Roadside protection
• Personal effects coverage
• Personal injury insurance

In addition to local car insurance, some travel insurance covers rental vehicles to help you recover losses if you’re liable for damaged or stolen cars.

Trip Cancellation Insurance

If your trip to Europe is canceled, travel insurance can help protect you against financial loss. Standard travel insurance generally offers reimbursement for nonrefundable and prepaid costs (like your flight or hotel) up to a predetermined limit.

As a general rule, standard travel insurance policies accept cancelation claims due to the following reasons:

• Hospitalization or serious injury
• Death of a family member
• Severe weather conditions (excluding some natural disasters)
• Jury duty or other legal obligation
• Military orders
• Acts of domestic or international terrorism

If you need more flexibility for a French vacation, opt for CFAR insurance.

How Much Does France Travel Insurance Cost?

Travel insurance premiums depend on your coverage preferences, destination and the overall cost of your trip to France. Many companies also allow you to choose from single-trip coverage or an annual multi-trip policy.

Be prepared with the following information to get an insurance quote:

• Your home location
• The number of travelers in your group
• Destination country
• Trip duration
• Total trip price

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to France. The below quotes are for a 30-year-old traveler from Florida, traveling to France for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

We collected the above quotes from each company’s website in May 2023. Each international travel insurance plan covers trip cancellation, baggage loss or delay, emergency medical expenses and emergency evacuation.

If you are on a budget, you can also compare cheap travel insurance options .

How Do I Get Travel Insurance for France?

When planning a vacation to France, check if your credit cards or health insurance covers travel-related expenditures. For example, your credit card may include rental car coverage, and your health care might extend abroad. You may also be able to book comprehensive travel insurance through your airline to cover flights.

Compare policies and pricing from numerous travel insurance providers before making a decision. Consider personal factors, such as pre-existing medical conditions and what activities you’re planning, and ensure you find adequate coverage.

France Safety Tips

We compiled basic travel and safety tips for peace of mind during your French vacation.

Crime and Safety

The U.S. Department of State lists the France Travel Advisory at Level 2: Exercise Increased Caution. The advisory is due to an increased risk of terrorism and civil unrest. The State Department recommends you avoid demonstrations, protests or areas with significant police activity while in France.

In general, France is considered safe for tourists . However, it’s important to remain aware of your surroundings at popular tourist destinations due to pickpocketing and other petty crime.

Day Trips, Tours and Excursions

Tours are a great way to discover France, from exploring the Louvre to sightseeing in Marseille. You may also choose to take a day trip to Belgium or Switzerland or spend multiple days traveling around the Schengen area.

Always book excursions through reputable tour organizations, with recommendations from travel agents or hotel concierges. Find more information on the official France tourism site . If you opt for travel insurance, look for a policy that covers travel excursions, rental gear, or sporting events such as golf, snow skiing and scuba diving.

According to the government of France , the country has removed COVID-19 restrictions for international travelers. Check with local authorities regarding changes to local coronavirus policies.

The Bottom Line: Is Travel Insurance for a France Vacation Worth It?

If you are traveling from the U.S., you are not required to have travel insurance to visit France for a vacation. However, travel insurance can help cover unexpected medical costs and avoid financial loss due to trip cancellations. A policy can also reimburse the cost of damaged or stolen baggage , personal gear (like a camera) or even a rental car.

While it is ultimately up to you to decide if travel insurance is worth it , coverage can offer peace of mind knowing you are covered if unforeseen events occur.

Frequently Asked Questions About Travel Insurance for France

Can i claim flight compensation for a canceled trip to france.

Refunds for flights are subject to the airline and are not always guaranteed. However, an airline may compensate you if a flight gets canceled for a reason outside the company’s control or your trip becomes delayed. But travel insurance can provide additional protection against financial loss for canceled and delayed flights.

Do you need travel insurance to travel to France?

U.S. citizens do not need travel insurance for France vacations. However, you may require a visa and travel insurance if you stay in the country for longer than 90 days.

Does Medicare work in France?

Medicare and Medicaid don’t offer coverage outside the U.S. If you have private health insurance, check with your provider to see if you have coverage abroad.

How much is travel insurance for a trip to France?

Based on quotes we gathered, travel insurance for a two-week trip to France costs between $110 to $153. Your cost of insurance may vary depending on your age, coverage preferences and specific travel details.

If you have questions about this page, please reach out to our editors at [email protected] .

More Resources:

Guide to Health Insurance for Long Stay Visa in France

Originally posted on 12th October, 2023 & updated on 11th January, 2024

Starting a new life in France is an exciting prospect but many aspects require careful consideration for families and foreigners wanting to make the move and enjoy the good life in this wonderful country. In this short guide, we provide an overview of the health insurance requirements for long-stay visa holders in France. Most visas require travel insurance to protect from potential misadventures and subsequent costs while travelling in France and around Europe. The health insurance contract for a long-stay visa depends on the purpose of the visa, for tourism, family reunions, or temporary work. The aim of this guide is to provide you with the advice reqiored to navigate the French healthcare and medical support system with confidence.

Guide for Non-EU citizens Moving to France

If you’re a non-EU citizen planning to live, work, study, or seek permanent residency in France, you will need to apply for a long-stay visa. If your stay in the country is less than 90 days, you do not need a visa. However, if you plan on staying longer, you must apply for a long-stay visa in advance. Research the French consulate or embassy in your home country responsible for visa applications. Then prepare all required documents, which typically include the application form, passport photos, proof of travel insurance, proof of accommodation, and financial statements. You can apply for most visas online or at the French embassy. We have previously provided tips and advice for post- Brexit Brits, as well as American and Australian visa applicants. Learn more and apply for Long Stay Visas on the French government website. It is important to note that those travelling to France with long-stay visas must have health insurance policies that meet French requirements. They cannot rely on a Schengen private insurance cover.

Healthcare Cover for Long Stays (VLS-T)

VLS-T act as a preliminary visa that allows you to enter France legally. You will later be required to apply for a residence permit, commonly referred to as a “ carte de séjour ,” which corresponds to your specific long-term purpose (e.g., student, employee, family member). For Brits looking to spend between 90 to 180 days a year in France, the new instructions on Temporary Long Stay Visitor Visas (VLS-T), are that the UK Global Health Insurance Card (GHIC) or valid European Health Insurance Card (EHIC) are accepted. You will be required to provide a valid GHIC or EHIC copy. Currently, valid EHICs can still be used by UK nationals living in the UK to receive free (or discounted) medical treatment in EU countries and Switzerland. British travellers can use the UK Global Health Insurance Card (GHIC) to receive state healthcare in Europe at a reduced cost or sometimes for free. If you possess a UK European Health Insurance Card (EHIC), it remains valid until its expiry date. Once the card expires, it needs to be replaced by a GHIC card. If you don’t hold a UK-GHIC or valid EHIC, you will need to provide private health insurance, which must cover the full requested long-stay visa, up to 6 months (VLS-T).

Health Insurance for Longer Stays (VLS-TS Visas)

If you plan to stay over 180 days in France with a VLS-TS, you must have health insurance that covers the entire duration of the visa, up to one year. VLS-TS is also a Long Stay Visa for France, but has a special feature: it acts as both a long-stay visa and a residence permit (VLS-TS stands for Visa de Long Séjour valant pour Titre de Séjour ). After obtaining a VLS-TS, you won’t have to reapply for a new permit upon arrival for a long-term stay. Following new directives on Long Stay Visitor Visas (VLS-TS), a valid S1 Form is accepted as proof of medical coverage. The S1 Form is used to transfer your healthcare coverage from your home country to France if you or a family member are an EU/EEA/Swiss national. This means you and your family will be entitled to receive healthcare in France. You will need to contribute to some of your medical costs, just like other French residents. Once you have your S1 form, you must register it with CPAM or Ameli , the local health authorities. If you don’t hold a S1 Form, you will need to provide private Health insurance for the full duration of your long-stay visa and cover all medical expenses, including hospital costs. We recommend that you initiate the process by contacting your home country’s healthcare system and providers. TOP TIP - You should also consider top-up insurance , a ‘ mutuelle ’, most French people use one or more. This will cover all or part of your medical costs that are not covered by state repayments, and for dental care, hearing or optician costs for example.

Travel or French Healthcare Insurance?

Travel Insurance covers treatment in the event of an emergency or unforeseen circumstances while you and your family are travelling or holidaying in France. Travel insurance typically covers trip cancellations, lost baggage, travel delays, and emergency medical expenses incurred while abroad. This type of insurance can provide coverage for non-medical incidents such as trip cancellations due to unforeseen events, such as illness or airline strikes. Travel insurance does not substitute for comprehensive private health insurance and may not cover all medical expenses, especially for pre-existing conditions or long-term stays.

Advice for Travellers to France

When visiting France and Europe, travellers should choose insurance that suits their needs and health requirements. This is especially important for people who may have pre-existing conditions or families with young children. There are many articles and topics available on our French blog where you can search by topic, for example; Paris , chateau or driving in France. Finally we recommend that you take a moment to visit our pages about emergency contact numbers when holidaying or staying in France, as well as learn about the phone system and French telephone numbers before you leave. “ Un homme avertit en vaut deux ”, as they say…. Bon voyage . We hope this is useful, for more information visit our main French insurance page and get in touch by email if you wish to be contacted by one of our experienced English-speaking insurance experts.

Back to articles

• France Talent Passport and French Tech Visa
• The Charming May Tradition of Muguet Day
• Understanding SCI Property Taxes in France
• Making Sense of Home Insurance in France
• Enjoying Spring Living in Rural Southwest France
• Olympics and Paralympic Games Return to Paris
• Iconic French Palace Goes Up for Sale
• Property Hunting near Famous French UNESCO Sites
• Flowers, Fruit and Fantasy on the Riviera
• Dancing with the Winds of Provence in southern France

• The French Tradition of Muguet
• Occitanie is the New Provence
• Advice for American Citizens
• Guide to Buying in France 2024
• Insuring Cats and Dogs in France
• Character Homes in Dordogne
• Properties in the Southwest
• Houses for Sale in Occitanie
• See our Properties in the Aude
• Discover the Gascony Selection
• Properties for Sale in Normandy
• Explore the Provence Collection
• Large Selection on the Riviera
• Properties for Sale in the South
• Ski Properties for Sale in the Alps
• Village Houses & Pied-à-Terres
• Country and Stone Properties
• Farmhouses & Farm Properties
• French Gîtes and B&Bs for Sale
• Mansions & Maisons de Maîtres
• Chateaux, Castles and Estates
• Modern & Contemporary Villas
• Houses with a Swimming Pool
• Invest in New-Build & Off-Plan
• Luxury and Prime Real Estate