Why take out travel insurance?
Who has never heard the story of the person who misses his plane because he was stuck in traffic jams, of the family who does not find his luggage on arrival or of the family who finds his house flooded on return? Without imagining the worst, it is better to think of everything and avoid the hardships of a holiday.
Travel insurance, what for?
When you purchased your flight ticket, your tour operator offered you travel insurance… But what for? Because even if you have planned everything to make your stay idyllic, beware of the unexpected! No one is safe from seeing their plane take off under their nose, losing luggage or catching white sore throat on the spot. If you travel frequently, ask yourself if you should take out an annual travel insurance policy, which is much more financially advantageous. Good travel insurance and travel assistance (often in the same contract) will allow you and your insured loved ones to travel peacefully!
And since there are many ways to travel, Europ Assistance has created a wide range of travel solutions to ensure all your private and professional travel.
Travel insurance or Travel Assistance?
Insurance guarantees allow you to be compensated a posteriori, while assistance services provide you with a service when the problem occurs. For maximum comfort, if the elements conspire against you, opt for a contract that provides for both. This will provide you with valuable help when you need it and you won’t have to worry about anything financially.\
In which situations is travel insurance important?
Have you thought about what would happen if you miss your flight? Would you buy a ticket at a high price or “bye bye” on holidays? By purchasing travel insurance, you can leave within 24 hours, at the insurer’s expense.
And if your employer has the good idea to move your vacation dates, you are also covered.
Even the hypothesis of a natural disaster, which would occur 8 days before your departure or on site, is expected. Phew! Phew!
Baggage, equipment and personal effects insurance
Once on the plane, do you think nothing can happen to you anymore? Unfortunately, it is not uncommon for all or part of your luggage not to be delivered to its destination. Thanks to your insurance, you can provide for your immediate needs, replace your wardrobe and avoid having to wear the same shorts throughout your vacation! Cases of theft, loss and destruction are anticipated, and your insurer will bend over backwards to allow you to continue your stay in the best possible conditions.
Travel insurance: Paper, money and communication
You can never be told enough to pay attention to your travel money and identity documents. But negligence or theft can happen very quickly. By purchasing insurance before you leave, financial assistance and practical advice will help you out and guide you for the future. Information service, document reconstitution process, transmission of urgent messages… Your travel insurance provides solutions to get you out of a bad situation.
Travel health insurance
A health concern during your holidays? Don’t panic. Your insurance covers medical expenses and, if you have to be hospitalised, everything is organised: from your repatriation by decision of the doctors according to your medical situation, to that of your relatives, to the care of your children from your holiday destination to your home.
Travel health insurance in the United States:
The American social health system does not function like French health insurance. It is even very different. If you do not provide insurance coverage or a credit card that proves that you can afford to pay for a medical procedure or care, no American doctor or hospital will agree to cover you. Having health coverage in the USA is essential! It is therefore imperative to be insured before leaving. Europ Assistance will accompany you throughout your trip to the United States. With our USA Travel Insurance, you can travel with peace of mind and make the most of your stay.
If you are going abroad for your studies, an internship or an au pair trip, it is very important to choose the right insurance that covers your health costs. Here are some tips to help you prepare your stay on site.
Travel health insurance in Europe or an EU country:
If you are going to a European Union member country or to Norway, Iceland, Liechtenstein or Switzerland, you will need the European Health Insurance Card (EHIC), which you can obtain from your Primary Health Insurance Fund (CPAM). Valid for 2 years, this card certifies your health insurance rights. Health expenses are covered in accordance with the social legislation and formalities in force in the country: exemption from advance payment of medical expenses or reimbursement by the social security body of the host country.
Travel health insurance in another country:
If you are going to another country, you must register with the student social security system of the destination country if one exists or take out a specific insurance contract covering your health costs for the duration of your stay. It is important to know that the social security (CPAM) and your mutual insurance company only reimburse the amount paid for equivalent care in France. In some countries such as the United States, medical costs are very high. It is therefore strongly recommended to take out a Student Abroad Insurance policy that guarantees the reimbursement of medical expenses incurred and repatriation if necessary.
Incident and accident
If you are the author of an incident or accident
That leaves the assumption of a third party that you hurt. Ouch, you missed the turn and here you are perched on the roof of the yurt of the neighbouring peasant. Not only is your ATV damaged, but this little Mongolian family is homeless… Unfortunately, but fortunately, you had the good idea to take out a travel insurance policy in which the financial consequences of the damage you caused are covered. This is called civil liability insurance.
If you are a victim of an incident or accident
On the other hand, if you are the victim of an accident, all the costs due to your temporary disability are covered by your insurer. This is Individual Accident Insurance.
In the event of serious damage
Finally, if the case is brought before the courts in the event of serious damage, your insurance provides you with legal protection by participating in your legal proceedings.
Car insurance: Drive with peace of mind
If your vehicle breaks down:
Your vehicle breaks down on a deserted road far from everything? Just because your car refuses to move forward doesn’t mean your vacation should stop. Car breakdown assistance provides you with an immediate solution in an emergency to get you back on the road in the event of a breakdown or accident. Car assistance also allows you to benefit from a rental vehicle in the event of a breakdown.
If you are unable to drive your vehicle:
It also takes care of the transport of your passengers if you are unable to drive, until a driver is available.
If your vehicle is impounded or if you have a licence withdrawn:
Today, the most efficient insurance companies even offer you solutions if your vehicle is impounded or if you have a licence withdrawn.