Travel insurance

The four covers to know about

• CancellationReimbursement of the costs you've paid if you have to cancel for a reason listed in the contract: illness, accident, the death of a relative, job loss.
• Assistance and repatriationA team you can reach day and night, who arrange and pay for your return home, or a relative's, if your health requires it.
• Medical costs abroadConsultations and hospital care on the spot, which can reach very high amounts outside Europe.
• LuggageCompensation if your luggage is stolen, lost or damaged.

Per trip or annual?

If you travel once a year, cover for that one trip is often enough. If you travel several times a year, even for a weekend, an annual plan is usually cheaper and covers all your trips without you having to think about it.

What your bank card already covers (or doesn't)

Some bank cards include travel insurance, but often with strict conditions: the trip must be paid for with the card, limits are low, excesses are high, and your family isn't always included. Bring us your card's terms and we'll check what's missing, so you don't pay twice for the same cover.

Before you go

• Request the European Health Insurance Card from the CNS (National Health Fund) if you're travelling in Europe: it gives you access to public healthcare on the spot.
• Outside Europe, especially in the United States or Canada, check that your medical costs are covered at a high enough level.
• Save the assistance number in your phone and keep a copy of your documents.

Frequently asked questions

When should you take out cancellation insurance?

As early as possible, ideally the day you book. Insurance taken out just before departure may have a waiting period, and it doesn't cover an event you already know about.

Are my children covered?

With a family plan, yes. It generally covers the couple and dependent children, even if they travel separately.

I'm going skiing: am I covered?

Search costs, on-piste rescue and repatriation need to be checked for each plan. Tell us your destination and what you'll be doing, and we'll choose the right option.