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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 .

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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.

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• France travel insurance for U.K. nationals
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• 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.

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7 Best France Travel Insurance Plans for US Citizens in 2024

Updated on January 10, 2024 by Matthew H. Nash – Licensed Insurance Agent

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to France travelers. Learn more at the end of this page.

STARTING PRICE FOR 2-WEEK TRIP TO THE FRANCE

CAN YOU CANCEL YOUR TRIP FOR ANY REASON? 

BEST  WEBSITE FOR

Comparing Policies

• Compare dozens of the best France travel insurance policies from all the major providers in one place
• Easily filter for the features you want and get support from their award-winning customer service team
• Founded in 2013, TravelInsurance.com has helped hundreds of thousands of travelers find affordable insurance coverage

Fast Claims

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

BEST POLICY FOR

Travelers Aged 55+

• Pre-existing medical conditions are covered for a reasonable fee and they offer “cancel for any reason” as an add-on
• $2,000 COVID quarantine coverage available w/ Safe Travels Voyager plan
• Founded in 1998 and underwritten by Nationwide and GBG Insurance

BEST WEBSITE FOR

Filtering Plans

• This comparison website has the most comprehensive filters especially for Covid-19 which helps you search for the specific benefits you need
• They have “Zero Complaint Guarantee” which promises a fair claims process
• Established in 2003, Squaremouth has consistently been recognized for it’s exceptional customer service

BEST POLICY FROM

An Established Brand

• Well rounded, inexpensive travel insurance plans from an established and top rated global insurance company
• AXA has plans that cover pre-existing conditions and their “Platinum” plan covers “cancel for any reason” with an optional add-on. They also offer helpful 24/7 Worldwide Travel Assistance Services
• Founded in 1959 and underwritten by Nationwide

Family Travel

• Their “Trip Interruption for any Reason” feature allows you to get a 75% reimbursement for any additional expenses if you decide to go home early from your trip
• They have a variety of insurance products to suit any travel needs
• Founded in 1993 and underwritten by Nationwide Insurance

$521 Per Year

Long-term Travel

• Ideal for digital nomads and long-term travel, available to anyone anywhere
• Scored lower because short-term travel coverage isn’t as robust as competitors
• Founded in 2018 and is underwritten by Lloyds of London

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

• Compare dozens of travel insurance policies from all the major providers in one place

France travel insurance FAQs

Should i get travel insurance for france.

France travel insurance can protect you against the financial consequences of trip delays or cancellations, medical emergencies and evacuations, and lost, stolen or damaged luggage. Trip insurance can support you in a medical emergency by coordinating medical evacuations to hospitals that deliver US-quality medical treatment. Throughout my travels, I have found that getting the best policy provides peace of mind that we may not have otherwise. Purchasing France trip insurance is worth it and very affordable since most plans are priced at only 2-3% of the total trip cost.

Will travel insurance cover my medical bills if I am hospitalized in France?

Most traditional health insurance policies do not cover any medical services you may require when traveling outside the US. Also, be aware that Medicare never reimburses for international medical care. Therefore, the only way to ensure that you’ll have the medical coverage you need is to buy the best trip insurance policy as soon as you book your French vacation.

How many people can I insure on one travel plan?

To insure more than one traveler on a single insurance plan, all travelers must have identical travel itineraries and live in the same state. You can cover up to 10 people, including yourself, on single trip plans. However, purchasing a group plan may be more economical if there are 8 or more of you. With a group policy, insured travelers can reside in any state and have different travel itineraries without sacrificing the same great coverage a single trip policy would provide.

How long does it take to process a travel insurance claim?

After submitting a claim with all of the requested documentation, your insurer may process it for 6 to 8 weeks. Of course, this varies from one provider to another.

Do I have any recourse if my claim is rejected?

Travel insurance providers reject claims for several potential reasons, such as the policy does not cover the reason for the claim or an insured traveler did not adhere to the required procedures, list an accurate total trip cost, or disclose a pre-existing medical condition upon application for coverage. If an insurer rejects your claim, they will provide the necessary reasons for doing so and notify you of possible recourse.

What is Trip Interruption?

Trip Interruption benefits cover any unpredictable or unforeseen events that lead to your trip being interrupted and requiring you to return home prematurely. Coverage typically applies to extraordinary events like terrorist attacks, inclement weather, job termination and the injury, illness or death of a traveler insured by your policy.

Will my travel insurance policy cover a relative’s death?

Every policy is different concerning this issue, so it’s essential to read the full details of your plan. For example, under some policies, bereavement benefits might not be available to you if a relative dies by suicide or from a pre-existing health condition. That said, travel insurance plans with higher premiums will often reimburse you, irrespective of your relative’s cause of death. Also, it’s vital to determine who your insurer defines “covered relatives’ to be. Does it include siblings? Grandparents? In-laws? Cousins? Pets? Remember, every travel insurance provider is different, so it’s best to clarify this before you purchase a policy.

How is Baggage Loss defined? How do Baggage Loss benefits work?

Insurance providers will reimburse you for luggage or personal effects lost, damaged, destroyed or stolen during your trip to France, including the times a hotel, travel supplier or common carrier is in possession of them. In such situations, you can expect your insurer to reimburse you to the Maximum Benefit listed in your policy less whatever amount the responsible party reimburses you. So, what is a Maximum Benefit Amount? It is the highest value your insurer will reimburse you should anything mentioned above happen to your belongings with which you are traveling. Remember that the amount specified in your policy is listed per person. This amount can be affected by a couple of other benefit limits. The first is a Per Article Benefit, which is the highest dollar amount your provider will reimburse you per item in such situations. The other benefit limit that helps define the reimbursement parameters under your policy is the Combined Article Limit, which is specific to things like watches, jewelry, furs and electronics (such as cameras, smartphones, laptops, video cameras, etc.). Should anything happen to one or more of your items that fall under the Combined Article Limit, your provider will most reimburse you the dollar amount listed in this part of your plan. This holds true even if their total value is higher. It’s worth mentioning that depending upon the state you live in, your policy may not have a Combined Article Limit. Let’s run through a hypothetical scenario to understand how these amounts and limits determine the reimbursement you expect. Imagine your policy has a Maximum Benefit of $2,000, a Per Article Benefit of $500 and a Combined Article Limit of $500. With this policy, say you lost a designer coat valued at $600. Your insurer would reimburse you only $500, even if you haven’t used your Maximum Benefit because the Per Article Benefit applies first. Now, let’s say you lose a watch and your smartphone. Both of these items fall under the Combine Article Limit, so even though their total value may be $800, you will receive $500 total. This is because the individual and combined item limits are first accounted for and then applied against your Maximum Benefit Amount. Therefore, the highest reimbursement amount you can receive is $2,000 total. Remember that your claim process will go a lot smoother if you have documentation proving ownership, condition and loss. Valid documentation includes photographs of the items, receipts of purchase, letters from the responsible carrier/party re: loss or damage of items and police reports. Also, check your insurance plan’s full details for further specifications.

Most common problems while traveling in France and how to avoid them:

Unlike more exotic destinations, there is less in the way of illnesses you need to concern yourself with while in France. Besides the flu, cold or Covid, food poisoning seems a common affliction tourists experience. Of course, this isn’t specific to France. It happens everywhere, but in France, you have the excellent assistance of helpful pharmacists. Look for a building with a green lit-up cross to find your nearest la pharmacie. When it is your turn, explain to the pharmacist your issue and any concerns you may have. They will then recommend a remedy and explain the proper dosage and frequency in which you take it. Many French pharmacies even have natural remedies, but you must consult a pharmacist first. That said, trust your instincts. If you think you need medical care, seek it immediately. If you plan to visit the French countryside, it is essential to know that ticks abound, and bites resulting in Lyme Disease are increasing yearly. To avoid being bitten by ticks, it’s best to wear long, light-colored clothing and tuck your pant legs into your socks. This will make it easy to spot ticks should they decide to crawl or jump on you. If you have long hair, tie it up as high as possible so that they don’t hide in your hair and come out to bite you later. Another crucial step is to use a strong insect repellent with DEET. If you get bitten by a tick, use tweezers to remove it and visit a doctor immediately, especially if red rings appear around the bite location. The sooner you seek medical help, the better. The great news is that whatever illness you may come down with, France has one of the world’s leading medical systems, so you can trust that you will receive excellent care.

The most typical injuries tourists experience in France are due to simple things like tripping and falling. Adventure activities and sports can lead to open wounds, sprained ankles or wrists, and broken bones. To prevent yourself from becoming one of the many automobile-related casualties, study up on French road rules before renting a car. Regardless of what may happen, you can rest easy knowing that the French medical system is one of the best in the world.

Muggings and pickpocketing are pretty common in France, especially in the cities. So your first line of protection is not to stand out as a tourist since they are the primary targets of such crimes. Blending in will go a long way in helping you. To do so, consider dressing like the French: wearing classic clothes of neutral colors (or black) and free of patterns. Avoid bright clothes, fanny packs, backpacks, cheap flip-flops, and running shoes. And whatever you do, don’t speak loudly or make it obvious that you speak English. As with anywhere, trust your instincts and use common sense. Don’t walk alone in desolate and unlit areas at night or in the empty metro, bus or train stations. You can also minimize your risk of mugging by using only ATMs inside banks. Steer clear of neighborhoods not recommended by your hotel concierge and travel guide or that seem “sketchy.” And never carry large amounts of cash or valuables with you. Remember, if something in your surrounding environment doesn’t feel right, it probably isn’t, so remove yourself immediately and seek help if necessary.

Emergency resources for France

Phone numbers.

In an emergency, dial 112 to reach the police, ambulance or fire services. 112 is known as the European Emergency Assistance Number (EEAN) and will always connect you with emergency services specific to your location.

US embassy or consulate details

The US has an embassy in Paris, along with consulates in Lyon, Bordeaux, and Rennes, and consulate generals in Marseille and Strasbourg. You can find addresses, phone numbers, and details of citizen services on the website . For those who like to take extra precautions, you can register your travel plans with the consulate or embassy closest to your destination in France by applying for the Department of State’s Smart Traveler Enrollment Program . After listing your trip itinerary, you will receive health and security advisories that may affect your vacation. It also allows the US Embassy or Consulate to liaise with you or your family in the event of an emergency.

Additional information to help travelers have a better experience in France:

Communication.

For many travelers, staying connected is extremely important, even when on vacation. WiFi is available in most places but not necessarily free. The good news for US travelers is that McDonald’s locations throughout France have free WiFi. (The French call it McDo, pronounced with a long ‘o’ as in dough.) Plenty of public spaces in Paris offer free WiFi too. WiFi in hotels varies. Some will offer it free in their lobbies or lounges, but not in guest rooms. That said, in-room WiFi may be available for an hourly or daily rate. If this is important to you, I recommend contacting any hotel you consider booking to clarify this beforehand. Nevertheless, messaging and calling apps that you can use via WiFi are probably the cheapest options for communicating with loved ones back home. If you need to be easily reached anytime or night, you can inquire about getting an international roaming plan for France with your wireless carrier in the States. Or, if you have an unlocked GSM phone, you can purchase a French SIM card instead. Local carriers like Le French Mobile, Orange, Lycamobile, etc. offer pay-as-you-go options.

France, like many EU countries, uses the euro (€). Despite the fees, using your US debit card to withdraw cash from French ATMs will get you the best exchange rate. Before leaving home, alert the bank of your travel destination and dates, so they do not block your card. While credit and debit cards are widely accepted in France, card processing machines require that you use both your chip and PIN. So be sure to learn yours before you leave home. ATMs are ubiquitous throughout French cities but a bit scarcer in more rural areas. Yet, you will most likely need cash in these areas, especially for small shops, cafés and farmer’s markets. Therefore, always have cash on hand throughout your trip, as it will also come in handy for tipping, taking public transportation and paying for taxis.

Getting Around

How you choose to get around France will depend on your travel style and budget. For those heading off for a city break in Paris or other urban centers, it’s worth mentioning that they are usually quite walkable and offer affordable public transportation. However, be aware that taxis are pricey and not always an efficient alternative.

Visitors looking to explore beyond the city limits of Paris inevitably rent a car as it gives them the freedom to visit charming, small villages along the way. Should this be your preference, you will be greatly relieved that the French drive on the right side of the road as they do in the US. Renting a car is relatively straightforward in France, but remember that you will need a valid US driver’s license and your international driver’s permit, which you can get the same day from your nearest AAA office

That said, I recommend reading up on the current driving rules before leaving the US, as they can differ significantly from those in the US. It is also worth consulting ViaMichelin to plan your routes and determine how much you’ll pay in toll fees. To find rest stops and service stations or to view traffic alerts, check out Bison Futé or Sociétés d’Autoroutes . Click the British flag in the top right corner of each site to have it translated into English.  

Another way to travel around France is to use both rental cars and trains. This allows you to rent a car as you need it, instead of the entirety of your stay in France. France is well-linked by rail, with trains connecting Paris with most other major domestic cities. Book your tickets via SNCF . Depending upon the time of day and year, trains may be far more efficient, even more so than planes. Most major train stations in France have rental car agencies, so you can pick up a car right after disembarking from a train. 

Air France offers the most domestic flights of any air carrier for those who prefer to fly between French cities. Other airlines that may feature lower ticket prices include Air Corsica , Chalair Aviation , Twin Jet , and easyJet .

Lastly, if you love cycling, consider joining a cycling tour of your favorite region of France. It will give you the chance to experience the countryside, exquisite cuisine and the French way of life.

Having some useful words and phrases under your belt will go a long way during your time in France. Here are the essentials to help you get by:

• bonjour – good morning or good day
• bonsoir – good evening
• bonne nuit – good night
• au revoir – goodbye
• s’il vous plait – please (also appears on signs as SVP)
• merci – thank you
• merci beaucoup – thank you very much
• bienvenue – welcome!
• Comment ça va? – How are you?
• Ça va bien – I’m good/well 
• Ça va mal – I’m not doing well 
• À bientôt – See you soon
• garçon – waiter/server (male)
• L’addition, s’il vous plaît – The check/bill, please
• ticket – un billet
• subway – le métro
• train station – gare
• aéroport – airport
• Où est…? – Where is…?
• pardon – excuse me (if you bump into someone or need to get by)
• excusez moi – excuse me (to call on someone when you need their help)

I recommend using an online tutorial to practice your pronunciation, as French is rarely phonetic.

Local Customs

The cultural differences between France and the US are vast, so don’t expect everyone and everything to operate as they do in the States. The French take their time in many areas of life, so don’t be in a rush. Do not always expect to be right as the customer. This is not a perspective the French share. One of the most common social missteps foreigners make in France is to enter a shop, café, restaurant or bakery without greeting the shopkeeper. This is immensely rude in French culture. A friendly “Bonjour, Madame!” or “Bonsoir, Monsieur!” will go a long way. You can expect curt responses and minimal service without a proper greeting. Dress well. French people take pride in their appearance, even when they wear casual clothes. For the most part, you will not see French people in velour pants, sweatpants, gym clothes, t-shirts, extra-short shorts or flip-flops. Aside from McDonald’s (McDo, as it’s called in France) or other fast food establishments, you may be ignored or turned away for attempting to dine in a restaurant wearing any of the attire mentioned above. If you want to blend in a bit more, opt for black, gray or more neutral, solid-colored clothing. Most other faux pas tourists commit are around the table. The French take food and eating seriously, so much so that you’ll rarely find them eating on the go. Instead, the French expect you to make time for your meals and to eat at a table. Proper etiquette when at a table is essential. Upon being seated, immediately place your napkin on your lap. Unlike in the US, French people eat with their wrists or forearms resting against the table and use both fork and knife throughout the meal. Always keep your elbows off the table. In French restaurants, do not ask to split a meal, substitute ingredients or alter your meal, have extra ice added to your drink, have free refills on sodas or coffee, or take your leftovers to go. Also, do not expect your servers to lavish you with attention. They are not working for tips and will do their job as they see fit. Ask for your check when ready to leave since French servers will not rush you out. If a French person invites you to their home, remember that bread is not cut in France. It is broken and eaten with your meal, never as an appetizer. They only use butter in baking and cooking, so don’t request butter for your bread. The exception is breakfast, when they may butter their toast or a pastry. The French hold their soup spoon sideways and spoon the soup towards them, sipping from the side of the spoon. Salads tend to be eaten with only a fork, folding the lettuce or greens as opposed to cutting them. When visiting a French home, always bring a small gift such as chocolate or flowers. Avoid wine, if possible, as most French people purchase wines that pair well with the meal they are preparing. Coming from the US, there are some other social norms you may not be used to, such as not getting a tour of your host’s home or apartment, not seating yourself at the table (usually planned seating arrangements) and not eating until your host says “Bon appetit!”. Lastly, never discuss politics, religion or other controversial issues at the table.

Tipping in France is standard, but you’ll usually see it added to your bill as a 15% service charge (service compris). Always double-check, though. Despite the inclusion of a service charge on the bill, most people in France leave a little extra for their server. For example, if you sat down for coffee, rounding the total up to the next euro or leaving at least 50 cents is acceptable. In other circumstances, consider leaving a few extra euros, depending upon the quality of the service and the size of your bill. At your hotel, expect to leave your housekeeper €1-€2 per night. Bellhops/porters usually get €2-€3 for each bag they deliver to your room. And for your concierge, consider tipping them anywhere from €5-€20 if they help you make reservations or book you onto a tour or other activities. Other people whom you can expect to tip during your trip to France are taxi drivers (10%), tour guides (€2-€5/day/person in your group), tour drivers (€2/day/person), ushers and museum docents (€2) and spa and salon technicians (10-20%). Like in the US, the amount you tip should reflect the level and quality of the service you received.

What to pack for France

Apart from Travel Insurance, we recommend you bring the following items for maximum health, safety and enjoyment of your trip to France.

A final note about travel insurance for France

I have spent dozens of hours researching travel insurance, including getting quotes and comparing coverage from all the most popular brands. Regardless of where you’re going I am confident that you will also find that WithFaye.com offers the best way to compare policies with the ideal combo of coverage and price.

I wish you and yours an incredible journey.

SwiftScore Ranking Methodology

• Average price for a 2-week vacation based on a 35-year-old California resident traveling to the France with a $3,500 trip cost
• Coronavirus coverage
• Cancel for any reason (CFAR)
• AM Best rating of the underwriter
• Key policy details including cancellation, interruption, emergency medical evacuation, and baggage & personal effects
• Ease of sign up
• Policy language clarity
• User reviews

Travel Insurance for France

• Travel Team
• Aug 8, 2024

Bonjour! Are you ready to journey to one of the most enchanting and romantic destinations in the world? 

From charming cobblestone streets and quaint cafes to the aroma of freshly baked baguettes, discover all the beauty, elegance, and adventure you can find when traveling to France. Before you jet off, let’s take a look at some insider tips to prepare you for a trip.

Should You Buy Travel Insurance for France?

It's always a good idea to buy travel insurance for France and other international destinations. Your domestic health insurance often does not cover you in other countries. This means you could be left with costly medical bills if you get sick or hurt while traveling. Plus, you never know when an unexpected event could put the money you spent for your trip at risk.

Do I Need Travel Insurance for France?

While it is not mandatory to have travel insurance for U.S. citizens visiting France, it is highly recommended.

Although individual health insurance may cover some medical costs, you won’t be covered for issues like travel disruptions, baggage loss, and more. Tailored travel insurance for France ensures you have protection so you can have peace of mind and enjoy your trip stress-free.

France Travel Insurance Coverage Options

Every trip — and traveler — is different. That’s why Seven Corners offers a variety of plans to provide the coverage that best fits most travelers’ needs. Coverage options can differ depending on the plan you choose, the specific benefits and add-ons you select, and your state or country of residency. Below are some travel insurance benefits found in many of Seven Corners plans to help protect you during your trip to France.

Trip Cancellation

If you have to cancel your trip for a covered reason, Seven Corners could reimburse you for the prepaid, nonrefundable trip expenses you insured, saving you money.

What’s a covered reason? These can include triggers such as an illness that prevents you from traveling or inclement weather, like a hurricane, that makes it impossible to get to your destination.

For more flexibility, consider adding Cancel for Any Reason (CFAR) coverage . This optional benefit allows you to cancel your trip for any reason, not just those listed in your plan document.

Trip Interruption

An interruption often means you ended your trip and returned home early, but it can also include needing to start your trip late. With travel insurance, you could be reimbursed for unused prepaid, nonrefundable trip expenses, as well as the expense of additional transportation, if you need to interrupt your trip for a covered reason.

For the flexibility to interrupt your trip for any reason, not just those covered reasons listed in your plan document, consider adding optional Interruption for Any Reason (IFAR) coverage . Why might you use this benefit? Maybe you feel unsafe at your destination and decide to return home or move to your next destination early. Or you might simply change your mind about travel, so you end your trip early. IFAR allows you to do that and still recover some of your insured trip expenses.

If you’re delayed while en route to France, coming home, or in the middle of your trip, this benefit can cover expenses like meals, lodging, and local transportation resulting from that delay. To be reimbursed, the delay must be caused by a covered reason, such as a flight delay lasting the required amount of time.

Lost or Delayed Baggage

Seven Corners will reimburse you to replace necessary personal belongings if your baggage is delayed by your airline or other common carrier while traveling to France. This includes items such as clothing and toiletries — personal items you need so that you can continue on your trip.

Seven Corners could pay to replace or repair insured items if your baggage is lost, delayed, damaged, or stolen during your trip.

For both lost and delayed baggage, it’s important to remember that some items such as laptops may not be covered. Your luggage also must be delayed for the length of time stated in the plan before you are eligible for reimbursement.

Travel Medical

Domestic health insurance typically does not cover you when you travel overseas. That’s why travel medical insurance is so important. This coverage can pay for medical treatment if you get sick or hurt during your trip, even when you’re abroad.

Different plans have different levels of medical coverage. Seven Corners Trip Protection plans provide coverage for Emergency Accident and Sickness Medical Expenses as well as Emergency Dental expenses. We also provide a variety of travel medical plans with robust medical coverage for international residents. Many of our plans provide pre-existing conditions coverage.

Emergency Medical Evacuation and Repatriation

If you get sick or hurt while traveling in France and adequate care is not available, Seven Corners will arrange an emergency medical evacuation to a medical facility that can provide treatment if it is deemed medically necessary. We will also arrange your return home so you can continue recovering.

Accidental Death and Dismemberment

This Seven Corners benefit provides coverage for loss of life or limb resulting from an injury caused by an accident during your trip to France.

What Is The Best Travel Insurance for France?

Seven Corners Trip Protection is our most popular plan for U.S. residents traveling to France. It provides protection for your trip expenses, belongings, and emergency medical expenses.

Seven Corners Travel Medical Insurance offers robust coverage for medical expenses if you get sick or hurt during your trip. These plans help travelers experience France confidently, knowing they’ll get the care they need without having to worry about how they’ll pay for it.

Finding the best travel insurance for your vacation to France is easy with our quick quote tool online. Answer a few simple questions, and we’ll recommend the best options for you and your trip. You can also contact our licensed agents for additional support so you know you've chosen the best travel insurance for a trip to France.

How Much Does Travel Insurance to France Cost?

The cost of travel insurance varies depending on the plan you choose as well as a number of other factors. Trip protection plans typically cost 4-10% of your total insurable trip cost. Take a few moments to learn how to calculate your trip cost so you know you have the right amount of coverage.

The cost of a travel medical plan is based on:

• The plan you choose
• The length of your trip
• Customizable selections such as medical maximum, deductible, and other add-ons

You might be surprised how affordable travel insurance for France can be. Get a quick quote — no hassle, no commitment — to see for yourself.

Travel Requirements for France

When traveling to a new country, it’s important to be prepared before you head to the airport. Having the right passports, documents, and information requires proper preparation ahead of time. Start planning now by getting to know the documentation requirements needed for your trip.

Visa Requirements for France

In 2024, U.S. citizens with valid passports traveling for tourism or business can enter France without a visa for a period of 90 days within each six-month period. For French visa information please see the French Embassy’s website . Passports need to be valid for at least three months beyond your intended date of departure from the Schengen Area. If your passport does not meet the Schengen requirements , you may be refused boarding by the airline at your point of origin or while transferring planes. 

For this reason, it is recommended that your passport have at least six months’ validity left when traveling abroad.

You can learn more about these different types of visas, their eligibility requirements and restrictions, and how to obtain them by  visiting our Schengen visa page . NOTE: If you are planning your trip later than 2024, note that visa requirements will be changing for US citizens in 2025.

Documents and Forms

To travel to France, you’ll want to be sure your required documentation is packed and accessible at the airport. You'll need: 

• Your valid passport
• A visa, if the trip requires one

For more information on required documents and forms, visit the U.S. Embassy & Consulates in France .

Public Health Requirements

There are currently no COVID-19-related restrictions in Italy (as of March 2024). However, it is important to revisit these travel guidelines every six months to ensure your information is current and accurate. 

Travel Information & Safety Tips for France

Embarking on a journey to France opens the door to a world of beautiful landscapes, culinary delights, and rich cultural experiences.

Yet, navigating the intricacies of travel involves more than just packing your bags — it requires understanding both practical requirements and local customs.

From ensuring safety in bustling cities like Paris to embracing the leisurely French lifestyle, learn about what to expect and how to stay safe on your trip to France.

Is France safe to visit? 

It is generally safe to travel to France, but you must stay alert when traveling. Petty crimes like pickpocketing and theft are common in tourist hotspots such as Paris and Marseille.

Use caution, especially in the metro. Additionally, beware of illegal taxis, which often overcharge unsuspecting tourists. A great safety tool for travelers is the Smart Traveler Enrollment Program (STEP). When you enroll, you’ll get up-to-date information about safety precautions in your destination country. It will also help the U.S. Embassy and your friends and family contact you in case of an emergency. You can also visit the U.S. Department of State website  for your destination country to see the latest travel advisories. 

What languages are spoken in France?

The majority of France’s population — about 96% — speaks French. However, it’s rare to go to a restaurant, cafe, or hotel in France’s major cities with no English speakers on staff. Around 57% of the population knows basic English. 

Understanding French culture

France and the United States may seem worlds apart in terms of culture, especially for American travelers. Here are some key insights to help you understand and respect French customs during your visit:

Leisurely Lifestyle:

French life revolves around family, friends, enjoying good food, and relaxing in their free time, contrasting with the fast-paced American lifestyle.

Tipping Etiquette:

Unlike in the U.S., tipping isn't as common in France. While tipping isn't expected for services like taxis and meals, leaving a few euros at cafes or high-end restaurants is appreciated but not mandatory.

Wine Culture:

Wine is a major part of French culture, with France producing some of the finest wines globally. Contrary to America's preference for beer, wine holds a significant place in French adult social gatherings.

Mealtime Norms:

When eating in France, lunch is typically served from 12 to 2 p.m., but expect dinner from 7 p.m. or later. Be mindful of these norms when dining out or visiting French homes.

Social Interaction:

Personal boundaries are more pronounced in France compared to the U.S. Avoid delving into personal topics with strangers, as the French value privacy and discretion.

Politeness and Greetings:

Politeness is highly regarded in French society, with greetings like "bonjour" essential in interactions everywhere, including greeting people in waiting rooms, stores, etc.

If you don’t start a conversation or enter a store with “bonjour,” this is considered bad etiquette. Remember to use formal language ("vous") when addressing strangers.

What currency is used in France?

The euro (€) is the currency used in France. As of March 2024, the exchange rate between euros and United States dollars was 1 euro = 1.07 dollars.

What is the weather like in France?

When planning your trip, it is helpful to know the  weather year-round and how it is different than home. This way, you can plan to enjoy the best time of year to visit.

Spring in France brings pleasant, temperate weather, with temperatures ranging from 50°F to 75°F. Expect heavy rainfall, especially in the north and along the west coast.

Summer in France sees warm to hot conditions, except in coastal areas, with temperatures ranging from 60°F to 80°F in Paris and 80°F to 90°F in Nice and the south coast. Heatwaves and summer storms are common.

Fall in France offers pleasant weather initially, with temperatures cooling later in October and November. Temperatures range from 40°F to 75°F, with occasional cold dips in temperature and rainy seasons.

Winter in France is chilly, with temperatures ranging from 32°F to 45°F, although warmer temperatures have been recorded in recent years. Snow is rare outside mountainous regions like the Alps and Pyrenees.

Food and Water Safety in France

Tap water is safe for consumption and widely accessible, including at public water fountains. In fact, drinking from Parisian fountains is encouraged unless there is a sign that says "eau non potable," which means “not for drinking.” So, don’t forget your reusable water bottle!

Food is also safe to eat in France, so feel free to shop at markets and local stores and eat with peace of mind. France has a thriving food culture , so be sure to participate and try some new cuisines during your stay. 

Transportation

In France, you can get almost anywhere using a train, metro, or bus. Trains are a particularly great option for their scenic routes, speed, and comfort, making them an ideal choice for intercity and international travel.

Do I need a power adapter for my electronics?

When traveling to France, you will need a type E adapter. Type E is the plug that has two round pins and a hole for the socket's male earthing pin. France operates on a 230V supply voltage and 50Hz.

U.S. Embassy and Consulate Information for France

Before traveling to France, it’s important to know the location of the embassy or consulate nearest to where you’re staying. Here’s a full list of embassy and consulate locations.   U.S. Embassy Paris 2 Avenue Gabriel 75008 Paris, France Phone: +(33)(1) 43-12-22-22 Emergency After-Hours Telephone: +(33)(1) 43-12-22-22, enter zero “0” after the automated greeting NOTE: Only the consular sections in Paris and Marseille are authorized to issue passports. The other offices provide limited services to U.S. citizens.

U.S. Consulate General Marseille Place Varian Fry 13286 Marseille Cedex 6 France Phone: +(33)(1) 43-12-47-54 Emergency After-Hours Telephone: +(33)(1) 43-12-22-22 [email protected]

U.S. Consulate General Strasbourg 15, Avenue d'Alsace 67082 Strasbourg Cedex France Phone: +(33)(1) 43-12-48-80 Emergency After-Hours Telephone: +(33)(1) 43-12-22-22 [email protected]

NOTE: When calling from within France, drop the country code and add a zero. For example: +(33)(1) 43-12-22-22 becomes 01-43-12-22-22.

The emergency after-hours telephone number for all U.S. posts in France is: +(33)(1) 43-12-22-22.

Ask to speak to the duty officer if you need emergency assistance after business hours.

Contact Seven Corners about Travel Insurance for France

Travel insurance doesn’t have to be complicated. Just answer a few simple questions to get a quick, hassle-free quote online to find the best travel insurance for France. Licensed agents are also available to answer questions about Seven Corners plans and to help you customize your coverage.

This website and various social media updates provided by Seven Corners contain content, information, articles, videos, and links to websites created by third parties. Seven Corners, its owners, and its employees neither endorse nor are responsible for the accuracy, timeliness, or reliability of any third-party information, statements, opinions, or advice and are not liable for any loss, harm, or damage caused by your reliance upon them. Use of such information or the linked websites is entirely at your risk. Concerns regarding this third-party content should be directed to the third party. Seek professional advice, as appropriate, regarding your use of such information and websites.

Because the information on this website and in Seven Corners’ blogs and other social media is written and compiled using knowledge and information available at a certain point in time, it may become outdated. For that reason, information, events, legal requirements, and product changes (including benefits, limitations, exclusions, and services) may not be up-to-date, complete, or accurate at the point in time it is being read. Again, use of such information is at your risk.

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.  

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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 3 months long . (See Schengen travel visa requirements for more info).
• France rarely accepts U.S. health insurance . Therefore, medical travel insurance is a “must-have” to cover you for medical emergencies.
• Based on our research, the best travel insurance for France comes from Tin Leg, Seven Corners, Faye, Generali, Travel Insured, & Nationwide ( skip ahead to see these plans ).
• Comprehensive travel insurance can cover common issues travelers face in France, including delays from French transportation strikes, public train/transport failures , congestion caused by the recent prohibition of many domestic flights, and more.
• We recommend using an online comparison tool to get quotes from multiple travel insurance providers at once.

Our selection of the best travel insurance for France

Seven Corners

Faye travel insurance.

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:

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 terror threats in major European nations, France has raised its terror alert to the highest level for Summer and Autumn, 2024. 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 Coverage on a Budget

Why we like it.

Editor's take

Tin Leg is known as one of the best-rated travel insurance providers on the market and boasts some of the highest customer satisfaction ratings around.

Tin Leg’s Gold policy is one of their best plans and offers $500,000 coverage for both emergency medical expense protection and emergency medical evacuation, covering you should the worst happen during your French vacation.

Tin Leg’s Gold policy also offers 100% trip cancellation and 150% interruption reimbursement for a wide range of circumstances and travel delay baggage protection.

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 Comprehensive Travel Insurance Plan

Easy & quick reimbursements.

Faye is a newer provider that offers great travel coverage that is completely customizable. The coverage limits are high, and it’s well-known for how easy it is to buy and manage your plan through Faye.

They are an app-based service providing a streamlined user experience. The claims process is known for being one of the fastest around, and Faye is quickly growing to be a major contender and disruptor in the travel insurance game.

Read our full Faye Travel Insurance review

• Friendly agents
• Easy-to-use mobile app
• Fast reimbursements for eligible claims
• Prompt replies to questions
• Long wait times for reimbursement
• Difficulty reaching Faye outside of email & virtual chat

Best Value Travel Insurance

Generali global assistance.

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 travelers worried about lost baggage during their France vacation, the Standard plan comes with $1,000 per person in baggage coverage.

When it comes to the medical coverage, the Generali Global Assistance 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.

Read our full Generali review

• Lowest cost of all Generali Global Assistance plans
• 24/7 emergency travel assistance included
• 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 Medical Evacutation Coverage

Travel insured international.

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
• CFAR and IFAR coverage not included
• Baggage delay coverage only kicks in after 12 hours
• No rental car coverage

Cheapest Coverage

Nationwide mutual insurance company.

Nationwide’s Essential plan is a popular travel insurance coverage plan for those who want bare-bones travel insurance protection at an affordable price. The Nationwide Essential plan has a long track record for being one of the cheapest plans around.

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)

According to official sales data from Squaremouth , travel insurance for France averages at around $326.90

Based on our own official sales figures over the past year, our customers paid, on average, $187.31 for France travel insurance.

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.

About the Author

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. To accomplish this, Alana’s writing holds strong three principles – content that educates, engages and entertains.

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France Travel Insurance Advice

Safety Advice Travel Insurance for Visitors to France

France is a leading travel destination for world travelers. It is the 4th most popular destination in the world for American students studying abroad (IIE). And the capital city, Paris, is the third most visited spot in the world. With cosmopolitan cities, medieval villages, and legendary wine regions, France is one of the most popular expat destinations in the world. On the other hand, according to the Global Peace Index , France is ranked 51 out of 163 countries and has the lowest rating of all countries in Europe.  So before you run away to a lavender field in Provence,  take a moment to review important safety tips and travel insurance advice for visitors to France .

French System and Travel Insurance Options

France has excellent public services. It is first in the world in the World Health Organization’s ranking of healthcare efficiency. The country operates on a system of universal cover funded by taxation on salaries. Services are not limited to French citizens. As of 2016, anyone who has resided in France as an expat in a “stable and regular manner” for three months and intends to legally remain in France on a permanent basis is eligible to apply for public coverage. As a result, there is now a new application process for expats.

Read: Healthcare System in France

Travel Insurance for Visitors to France

As stated above, France has excellent medical facilities but is also one of the riskier places to visit in Europe due to the above-average crime and risk of terrorism. A good travel insurance plan for visitors to France will include coverage for trip cancellation, terror, and lost or stolen items. For recommended providers, please look at our list of the best travel insurance companies .

The Atlas Travel Insurance plan is an excellent option for most applicants, providing affordable coverage and a wide range of benefits.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Travel Insurance for US Citizens Traveling to France

We recommend the Trawick Safe Travels trip cancellation plan to US citizens traveling abroad. An alternative option would be the GeoBlue Voyager plan which offers comprehensive travel medical benefits but does not include trip cancellation benefits.

Safe Travels Voyager

• Comprehensive coverage for trip cancellation, trip interruption, emergency medical and post-departure travel coverage
• Cancel for Any Reason available
• Up to $250,000 in emergency medical coverage

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

Vaccines Required of Visitors to France

There are no mandatory vaccinations for travel to France. All travelers should travel with updated  routine vaccinations , including measles-mumps-rubella (MMR) vaccine, diphtheria-tetanus-pertussis vaccine, varicella (chickenpox) vaccine, polio vaccine, and a yearly flu shot.

Rabies is present in France. Adventure travelers who plan on exploring French caves should speak with their doctor about a preventative vaccine.

Food and water safety standards in France are similarly high as in other developed nations. Tap water is safe to drink. Pregnant women should speak with a physician to see if there are any restrictions for consuming French unpasteurized cheese.

Emergency Travel Assistance

Hotel Dieu : Adjacent to the Notre Dame Basilica in central Paris, this easy-to-find hospital is well-regarded and has experience treating tourists.

The American Hospital , on the outskirts of Western Paris, is a private bilingual facility. It is more expensive than other providers in Paris, but their familiarity with American health insurance procedures may make you feel more comfortable.

Hôpital Necker – Enfants Malades , Paris’ leading pediatric hospital, is a teaching facility affiliated with the University of Paris. It is the oldest pediatric hospital in the world.

The University Hospital of Bordeaux  receives top marks as the best French hospital. Rounding out the top 5 are CHU Lille, CHU Toulouse, Strasbourg University Hospital, and the Pitié-Salpêtrière in Paris.

Furthermore, the service  SOS Médecins provides house visits with a doctor for 50-70 Euros, 24 hours a day. This means you don’t have to leave your house when you’re feeling unwell. It is perfect for non-life-threatening emergencies.

Finally, in French pharmacies, staff can treat minor medical concerns. They can also provide extra help, such as requesting an ambulance. The staff can also recommend a number of assistance programs, including:

• Protection Civile Paris (List of French emergency services, in French)
• SOS Help (English-speaking listening & counseling line)

Insurance Coverage for Internationals Living in France

France does provide coverage to its citizens and to foreigners after a certain period of residency. Many citizens and foreigners choose to supplement their local coverage with a global insurance plan.

Read: French Health Insurance for Expats in France

Extra Travel Insurance Considerations

France currently operates on a reimbursement program. Therefore, you pay for the cost of your treatment and then apply for reimbursement. A regular doctor’s visit is just 23 Euros and typically 70% of that cost will be returned to you. This system is being phased out. As a result, by the end of 2017, most doctors will bill the government or insurer directly.

If you need global coverage, your application is rejected, or if your time in France will amount to less than 50% of the year, you will require privately held international health insurance to cover your needs.

Embrace The French Lifestyle

People in France rank 10th among all nations for life expectancy. Thus, for ex-pats looking for a permanent relocation, you couldn’t ask for a healthier spot to enjoy the finer things in life. Make the most of your new home-away-from-home and embrace the French joie de vivre!

• American Travel Insurance for visits to the USA
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U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

Travel Insurance for Europe: 4 Best Options for 2024

Allianz Travel Insurance »

Travelex Insurance Services »

Generali Global Assistance »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Europe.

Table of Contents

• Allianz Travel Insurance
• Travelex Insurance Services

You almost certainly will want travel insurance for Europe, mostly because the high cost for international trips is worth protecting against travel delays and trip cancellations. Since your U.S. medical coverage will not apply overseas, you also need international health insurance that covers surprise medical expenses and medical evacuation.

If you're searching for the best Europe travel insurance that money can buy, consider the following plans and all they have to offer.

Frequently Asked Questions

Most people need travel health insurance at a bare minimum when traveling to European destinations like France, Italy or Switzerland, as well as additional countries inside and outside of the Schengen area. After all, U.S. health insurance plans do not provide coverage for medical emergencies overseas, and the same is true for government health plans like Medicare. Check out our article on whether your health insurance covers international travel .

Other benefits built into Europe travel insurance plans can also protect the money that's been spent on airfare, hotel stays, Europe cruises and tours. For example, travelers can benefit from having coverage for trip cancellation, trip delays, lost or delayed baggage, and more.

Every travel insurance policy is unique, so you'll want to read over individual travel insurance plans to see what they protect against. That said, the bulk of travel insurance plans for trips to Europe provide the following coverages:

• Trip cancellation
• Trip interruption
• Travel delays
• Lost luggage reimbursement
• Baggage delay coverage
• Medical expenses
• Emergency medical evacuation
• Rental car damage

Some travel insurance plans also offer additional or optional coverage for sports equipment or sports equipment delays, missed connections, accidental death and dismemberment (AD&D), adventure sports and more.

Some visitors to countries in the Schengen area are required to have a visa for short stays that can last for up to 90 days within a timeline of up to 180 days. However, this is not the case for American citizens, who can stay in Europe for up to 90 days at a time without meeting specific visa requirements.

The U.S. Department of State also notes that American citizens who want to stay in Europe for more than 90 days should reach out to the country they plan on visiting to inquire about their visa process.

If you live in a country that requires a Schengen visa, you are required to purchase Schengen visa insurance that pays for overseas medical expenses. This coverage must provide at least 30,000 euros in protection against medical expenses that result from hospitalization, emergency treatment and repatriation of remains in the case of accident or death.

• Allianz Travel Insurance: Best Overall
• Travelex Insurance Services: Best Cost
• Generali Global Assistance: Best for Medical Emergencies
• WorldTrips: Best for Groups

Optional cancel for any reason (CFAR) and preexisting medical conditions coverage available

Kids 17 and younger covered for free

Lower coverage amount for medical expenses than some providers

• $100,000 per traveler in coverage for trip cancellation
• $150,000 per traveler in coverage for trip interruptions
• $500 in coverage for eligible trip changes
• $50,000 in emergency medical coverage
• $500,000 for emergency medical transportation
• $1,000 toward baggage loss or damage
• $300 in coverage for baggage delays of 12 hours or more
• $800 in protection for travel delays (daily limit of $200 applies)
• $100 per insured person per day in SmartBenefits coverage for eligible delays
• 24-hour hotline assistance
• Concierge services

SEE FULL REVIEW »

Optional CFAR and preexisting medical conditions coverages available

Kids 17 and younger are covered for free

Many coverages cost extra

• 100% of trip cost for trip cancellation (up to $50,000)
• 150% of trip cost for trip interruption (up to $75,000)
• $2,000 in coverage for trip delays of five hours or longer
• $750 in coverage for missed connections
• $50,000 in coverage for emergency medical expenses ($500 dental sublimit included)
• $500,000 in coverage for emergency medical evacuation and repatriation
• $1,000 in coverage for baggage and personal effects
• $200 for baggage delays of 12 hours or longer
• $200 for sporting equipment delays of 24 hours or longer
• $25,000 for accidental death and dismemberment coverage
• 24/7 travel assistance
• 100% of the insured trip cost for financial default of a travel provider (maximum of $50,000)
• Trip cancellation and interruption coverage for preexisting medical conditions (maximum of $50,000)
• Cancel for work reasons coverage
• CFAR insurance
• Car rental coverage worth up to $35,000
• $50,000 in additional emergency medical coverage
• $500,000 in additional coverage for emergency medical evacuation and repatriation
• Adventure sports exclusions waiver
• $200,000 in coverage for flight accidental death and dismemberment

CFAR and preexisting medical conditions coverages available

High coverage limits for medical expenses and evacuation

CFAR coverage only reimburses at 60%

• $1,000,000 coverage limit for emergency medical evacuation and transportation
• $250,000 coverage limit for medical expenses ($500 limit for dental emergencies)
• 100% of trip cost for trip cancellation
• 175% of trip cost for trip interruption
• $1,000 per person for travel delays ($300 per person daily limit applies)
• $2,000 per person in coverage for baggage and $500 for baggage delays
• $2,000 per person in coverage for sporting equipment and $500 for sporting equipment delays
• $1,000 per person in coverage for missed connections
• Air flight accident AD&D coverage worth $100,000 per person and $200,000 per plan
• Travel accident AD&D coverage worth $50,000 per person and $100,000 per plan
• $25,000 in coverage for rental cars
• 24-hour travel support

Discounts for groups of five or more

Potential for high coverage limits for medical expenses

No coverage for trip cancellation

Available coverage limits vary by age

• $5,000 for local burial or cremation
• Up to $25,000 in AD&D coverage
• $100,000 in coverage for emergency reunions
• $10,000 in coverage for trip interruption
• $1,000 for lost checked luggage
• $100 in coverage for lost or stolen passports or visas
• $100 in coverage per day for travel delays of at least 12 hours (two days of coverage maximum)
• Up to $25,000 in personal liability coverage

Why Trust U.S. News Travel

Holly Johnson is a travel writer who has created content about travel insurance, family travel, cruises, all-inclusive resorts and more for over a decade. She has visited more than 50 countries around the world and has an annual travel insurance plan of her own. Johnson also has experience navigating the claims process for travel insurance plans and has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson works with her husband, Greg, who is licensed to sell travel insurance and owns the travel agency Travel Blue Book .

You might also be interested in:

9 Best Travel Insurance Companies of 2024

Holly Johnson

Find the best travel insurance for you with these U.S. News ratings, which factor in expert and consumer recommendations.

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Travel Insurance for a France Vacation (2024)

with our partner, Faye

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

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.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

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.

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 feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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Entry Requirements & COVID-19 Travel Resources 

Confused about entry requirements for your destination? Our  interactive map shows current travel rules and restrictions for each destination, including info on COVID-19 testing, necessary travel documents and quarantine periods.

Find out how our  Epidemic Coverage Endorsement can protect your next trip from certain losses related to COVID-19.

Why do I need travel insurance?

Because sometimes..., you have to cancel a trip last-minute..

Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason.

Travel delays leave you stranded.

Travel insurance can reimburse you for eligible meals, accommodation and transportation expenses during a covered delay.

You get sick or hurt when you're far from home.

Travel insurance can reimburse you for care following a covered medical emergency while traveling. We can even arrange and pay for a medical evacuation if needed.

Fender-benders are unavoidable.

Renting a car means taking on a big financial risk; even a tiny scrape can cost you hundreds. Low-priced rental car insurance lets you drive worry-free.

You need help in a hurry.

Whether you're planning a week-long road trip or a weekend getaway, you never know what might happen. Travel insurance gives you access to our 24-Hour Assistance hotline for expert, personalized support in a crisis.

Why go with Allianz Travel Insurance?

As a world leader in travel protection, we help more than 70 million people answer the call of adventure with confidence every year.

We're Protecting You

From protection for trip cancellation to medical bills abroad, our benefits are designed to help you explore reassured.

We're There For You

We've got your back with award-winning 24/7 assistance and a worldwide network of prescreened hospitals to help you get the right care.

We're Built For You

From our Allyz ® TravelSmart app to proactive SmartBenefits, we innovate for the way you travel today - and tomorrow.

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More Travel Resources »

LATEST COVERAGE ALERTS

The events listed below are considered "known and foreseeable" for travel insurance purposes on the date listed next to the event. Please consult your policy for more information.

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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Europe Travel Insurance: Your Essential Guide to Protect Your Trip

While this may seem the least exciting part of the trip, travel insurance is essential to your visit to Europe. It ensures you are covered in any event you may require medical or emergency services.

To buy a suitable policy, you must first understand what is typically covered, where you’re usually covered in Europe, and the cost of a basic insurance plan. This way, you’ll be set for a safe and memorable European trip.

Get free quotes from Europ Assistance or MondialCare’s  official websites, or compare prices on vti.travel to find the best travel insurance option for your needs while travelling to  Europe.

• Essential Coverage: Medical emergencies, trip cancellations, and lost items.
• Cost Factors: Varies with age, duration, and coverage; basic €20-€50/person, comprehensive up to €100 or more.
• Choosing Wisely: Get comprehensive coverage, include adventurous activities, and purchase early.
• Exclusions: Watch out for pre-existing conditions, expensive gadgets, and intoxication-related injuries.
• Reputable Providers: AXA , Europ Assistance , Allianz , Mutuaide , Mondial Care .
• Early Purchase: Buy when you book your trip for potential pre-existing condition coverage.
• Claim Process: Contact the provider immediately, provide detailed incident info, fill out forms, and pay the excess.
• Common Denial Reasons: Incident in a non-covered country, delayed reporting, non-covered activities or conditions, missing documents.
• Appeal Process: Contact the provider for guidelines; legal action is possible for unjustly denied claims.

Average Cost of Travel Insurance to Europe

The cost of travel insurance for Europe can vary depending on several factors, such as the length of the trip, the coverage you need, your age, and any pre-existing medical conditions you may have. On average, a basic medical insurance policy for a week-long trip to Europe can cost anywhere from €20 to €50 per person , whereas a more comprehensive policy may cost up to €100 or more per person .

The type of coverage you choose and the level of coverage you need will also affect the cost of your travel insurance. For example, a policy that provides coverage for adventure sports, such as skiing or snowboarding, may cost more than a standard policy that does not include such coverage.

Several factors affect the price of your insurance, such as the following:

• Age. Usually, the older you are, the higher the price of your insurance, as people of older ages tend to require more medical attention.
• The number of policyholders. Single travellers usually pay less for individual coverage but more if travelling with a partner or other family members.
• Duration of the trip. The longer the trip, the longer the duration of your insurance, resulting in a higher cost of your premium.
• Health condition. A poor health condition may require more medical coverage, increasing your travel insurance’s price.
• Add-ons. The more additional benefits you add to your insurance, the higher the price of your insurance.
• Other factors. Other similar factors may also affect the price of your insurance, such as the provider, the coverage area, the deductible, and so on.

Why Should You Buy Travel Insurance for Europe?

Travel insurance for Europe is important as it helps protect you against unexpected expenses during your trip. For example, you may require medical services if you get injured or ill, your trip may be cancelled, you may lose your luggage, or you may even need to return to your home country suddenly. Medical insurance covers these expenses, saving you from paying several thousand dollars.

Overall, having a medical insurance policy ensures peace of mind as you travel and enjoy your trip to Europe without worrying about the costs of any unplanned events.

Please note that individuals needing a visa to enter the Schengen Area within Europe must purchase travel medical insurance , also known as Schengen Travel Visa Insurance .

Is Europe and Schengen Travel Insurance the Same?

No, there are several differences between Europe and Schengen Travel Insurance, as listed below:

Things to Keep in Mind When Choosing Medical Insurance for Europe

• Coverage level. You need to make sure you find a medical insurance policy with comprehensive coverage, especially when it comes to medical coverage. You must ensure your policy covers the exact countries you’ll be visiting and includes other benefits such as trip cancellation, repatriation, and lost/damaged items.
• Cost. Make sure to turn to insurance comparison marketplaces or insurance brokers to compare and contrast different insurance prices and benefits. Check out the maximum coverage for each benefit these policies offer and see which one suits your needs. Please keep in mind that the cheapest policy will not always offer the best coverage, but at the same time, an overly expensive one may have benefits that you don’t need.
• Additional benefits. Prepare your trip to Europe carefully, so you know what you’ll be doing while there. For example, if you plan on partaking in dangerous activities, you must include additional benefits to your medical coverage. Also, some policies may allow you to customize your plan according to your needs, so consider whether this option works for you.
• Coverage length. Ensure that your policy covers you for the whole trip; otherwise, you may encounter problems if you exceed your maximum coverage length. For example, some companies may not allow you to extend your policy after the maximum length has passed.
• Provider review. Check the provider carefully, and find reputable providers who are experts with European travel health insurance. Verify their eligibility by checking out who underwrites the policy, checking out reviews from other customers, and checking to see if they have 24/7 emergency assistance. Ensure you pay attention to the feedback regarding claims others have filed with that provider.
• Common pitfalls to watch out for. Consider some common pitfalls you may encounter when purchasing your European travel insurance. Don’t assume all policies are the same— different providers offer different policies. Make sure you buy your policy on time and pay attention to the list of inclusions and exclusions for each benefit your policy offers.
• The fine print. Read the fine print of your insurance policy carefully. Pay attention to the wording and specifics of how you can file an insurance claim with your providers. Take your time before you buy a policy, and make sure you purchase an insurance plan that checks out all of your boxes.

What Does Travel Insurance for Europe Cover?

A good travel health insurance plan for Europe must include coverage for the following services:

• Medical emergency services. A common misconception visitors have when visiting Europe is that because most countries offer universal healthcare, they assume their medical expenses are paid. However, tourists shoulder the cost of medical insurance themselves. So, should you need medical care while travelling in Europe, you pay for the services out of pocket. This is why you need travel insurance to cover these services. For a trip to Europe, you’re usually advised to include coverage for medical emergencies up to €100,000.
• Trip cancellation coverage. Often, travel plans can change due to personal circumstances or other events such as natural disasters, now with Covid, even due to pandemics. You never know when you may need to cancel or delay your trip, so you must have insurance to cover the financial losses you experience from a cancelled trip.
• Coverage for missing, lost, or stolen items. During travels, you may encounter many issues, such as losing your luggage, having your things stolen, or losing them. Your medical insurance ensures you are covered in any of these unplanned events and helps you pay for replacing your items.
• Repatriation of remains. In the unfortunate event of accidental death or dismemberment, travel insurance must offer coverage for the repatriation of remains or emergency evacuation.

It’s important to remember that travel insurance plans differ depending on the provider and the type of policy. Some plans may include other added benefits, while others may exclude specific services. Read the coverage areas of your insurance policy carefully and see if it fits your needs.

What Is Not Included?

Usually, the following benefits are not included in a travel insurance policy:

• Pre-existing conditions. Pre-existing medical conditions are not usually covered by travel insurance unless your provider offers specific benefits. Some insurance companies may provide coverage for pre-existing conditions based on when you buy your insurance policy. Some providers may provide coverage only for the acute onset of a pre-existing condition.
• Coverage for expensive gadgets. While most providers offer coverage for lost, stolen, or damaged items, these do not include specific items such as a laptop, expensive camera equipment, tablets, gaming consoles, drones, etc. If you want coverage for these items, you may be required to pay extra for an additional benefit.
• Routine medical check-ups. Coverage for emergency medical services does not include coverage for regular medical check-ups. If you plan on visiting a medical facility in Europe for a routine check-up, you cover the costs alone.
• Adventurous activities. A basic travel insurance plan does not include medical coverage for adventurous activities or sports (bungee jumping, paragliding, mountain biking, climbing, etc.). If you get hurt while doing a dangerous sport, your insurance won’t cover the medical expenses you incurred unless you specifically buy a policy with that additional coverage.
• Injuries due to an intoxicated state. If you get injured or require medical attention under substance influence (alcohol or drugs), your travel insurance won’t cover those expenses.

Depending on your provider, other benefits may not be covered by your insurance, so always check with your provider and policy first.

Best European Travel Insurance Companies

Some of the best insurance companies— based on their reputation, experience, and overall customer satisfaction— that offer medical insurance to Europe include the following:

• AXA Travel Insurance .
• Europ Assistance .
• Allianz Travel Insurance .
• Mondial Care .
• DR-WALTER .

You can find other reputable insurance companies specializing in Europe insurance via the popular comparison website vti.travel . Here you can compare and contrast several travel insurance plans from insurance providers: AXA, Europ Assistance, Allianz and Mutuaide.

You can see their different price ranges, coverage options, and additional benefits. With this, you’ll better understand what insurance plan suits you and your family for your European trip.

GET QUOTES ON INSURTE

What if I Need to Make a Claim?

To make a travel insurance claim, first review your policy to understand the coverage and required documentation. Then, contact your insurance provider to report the claim and follow their instructions for submission. Remember that each insurance provider and policy works differently regarding claims.

What if My Claim Was Denied?

You can contact your insurance provider and appeal the decision if your claim is denied. If you are sure your claim was denied for no reason, you can proceed with legal action.

Frequently Asked Questions

How far in advance should i purchase medical insurance for my european trip.

You should purchase your travel insurance plan as soon as you book your trip or pay the first installment towards your trip. Some insurance policies are more likely to include pre-existing conditions if you purchase your policy within a specific time frame; usually at least 14 days from the day you made your first trip payment. But this changes from provider to provider, so check carefully.

Is Turkiye Considered in Europe?

Turkiye is usually not included in European travel insurance policies. In most cases, insurance policies for Europe only cover the countries in the EU/EEA and Switzerland; this means to have protection in Turkiye, you may have to obtain worldwide travel insurance.

Tourists travelling to Turkey as well as to the EU have the following medical insurance options:

• Purchase two separate policies: one for the EU and one for Turkey
• Purchase a worldwide travel insurance policy
• Check if your Europe insurance provider allows you to add Turkey to your existing coverage

Some great worldwide travel insurance plans include Universal by Mutuaide , (with plans starting from £ 24 per person for a one-week trip), and World Travel Insurance by Mondial Care (with plans starting from £ 27 per person for a one-week trip).

Medical Insurance for Seniors Travelling to Europe

If you want to buy travel medical insurance for seniors, read our article “ Medical Insurance for Senior Citizens & Pensioners Travelling to Europe “.

Can I Purchase The Policy After I’ve Already Left?

You can purchase travel insurance after leaving for Europe or arriving in Europe. But know that your policy won’t cover any incident that may have happened when you were uninsured.

Can I Buy Medical Insurance For Just a Portion of My Trip?

You can buy travel medical insurance for only a part of your trip; for example, you’re travelling to Europe for a month, but you buy insurance for only the first two weeks of your journey. However, you cannot keep certain benefits with this kind of partial insurance.

For instance, if you want trip cancellation or pre-existing conditions coverage, you must buy insurance for the whole trip duration , not just a portion. Discuss this option with your provider before you purchase your insurance to see which option suits you better.

Which European Countries Does it Cover?

Most travel insurance will include all the countries that are a part of the EU: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden, in addition to Switzerland, Iceland, Liechtenstein, and Norway.

The list of countries where travel insurance is valid depends on your provider and policy, as some providers will include the UK and Turkey, while others don’t.

If you plan on visiting European countries that are not either in the EU or the Schengen Area (Albania, Andorra, Belarus, Monaco, Kosovo, etc.), you need to adjust your policy to have those countries included as well.

Can I Extend My Travel Insurance Coverage While in Europe?

You can extend your travel insurance coverage, but the extension process changes from provider to provider. Some insurance companies may allow you an extension by simply purchasing additional days of coverage, while others may ask you to buy a new policy altogether.

Additionally, some providers may not allow you to extend your policy if certain conditions apply to you, e.g., you already filed an insurance claim on your policy or have exceeded the maximum length of coverage your policy allows.

To extend your policy, you must contact your insurance provider in due time to let them know you need an extension. Also, please note that extra fees apply for travel insurance extensions.

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Entry Requirements for American Travelers to France

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Reading time: 0 min Published on 4 January 2023

PASSPORTS AND VISAS

All U.S. and Canadian citizens, including infants, need a valid passport to enter France. Visas are not required for American and Canadian visitors staying in France for up to 90 days. For more information, contact your nearest French Consulate. See a list of local French consulates in the U.S.

It is mandatory in France to carry some form of identification at all times. If you lose your passport, the nearest U.S. Consulate will issue Americans a limited-validity replacement if travel is imminent, or a full-validity passport if further travel is not within two weeks. When in France, please carry a photocopy of your passport separately from your passport. The copy will facilitate issuance of a replacement ($75 fee for adults, $85 for children). The American Embassy in Paris is at 2, avenue Gabriel, tel. 01 43 12 22 22. The Passport Section is nearby at 4, avenue Gabriel (open 9a.m.-noon, Monday- Friday). There are other Consular Offices in Bordeaux, Lille, Lyon, Marseille, Nice, Rennes, Strasbourg and Toulouse that provide assistance to American citizens.

Entering France : Travelers from countries outside the European Union (EU) must declare certain articles when entering France. Duty and import taxes are levied on items not for personal use that individually or collectively exceed 175€ in value. Certain categories of items for personal use (tobacco products, alcoholic beverages, perfumes, coffee and tea, etc.) may be brought in untaxed up to certain authorized amounts. The following are forbidden or subject to strict control: drugs, radioactive materials, firearms, endangered species, plants, ivory and food, meat and dairy products. Carry prescriptions to authenticate any controlled substances. “Monetary instruments” equal to more than 10,000€ (whether brought into or taken out of France) must be declared. When in doubt, consult the French Embassy , a French Consulate or the French Customs and Excise Service's “ Info Douanes Service ” in Paris at tel. 08 20 02 44 44 (8:30 a.m.-6:00 p.m., Monday to Friday)

Re-entering the U.S. : Returning U.S. citizens who have been away for 48 hours or more are allowed to bring back, once every 30 days, $800 worth of merchandise duty-free. You're charged a flat rate of duty on the next $1,000 worth of purchases, and any dollar amount beyond that is subject to duty at whatever rates apply. On mailed gifts, the duty-free limit is $200. Have your receipts or purchases handy to expedite the declaration process. Note: If you owe duty, you are required to pay upon your arrival in the United States, using cash, personal check, government or traveler's check, or money order; some locations also accept Visa or MasterCard.

BRINGING YOUR PETS TO FRANCE

Travelers may bring dogs, cats and ferrets into France. Each family is limited to five animals, which must have valid rabies vaccination certificates and be identifiable by a microchip or tattoo. For more information, including details about travel with pet rodents, reptiles, birds or other species, visit www.ambafrance-us.org or contact the French Embassy.

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I found a great deal for my first cruise in 15 years, but I'm not setting sail without cruise insurance

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate travel insurance products to write unbiased product reviews.

• You can never be completely sure that you won't have to cancel a cruise, which is why I got travel insurance.
• My policy was $386 and includes a cancel for any reason benefit that will reimburse most of the cost.
• It also includes medical evacuation and repatriation in case of an emergency at sea.

A few weeks ago, I started researching trips for my family and me over the winter holiday season. After pricing out flights, hotels, and rental cars for vacations in Europe or tropical islands, I decided to pivot my planning.

While it's been 15 years since my last cruise, I was able to find deals that were affordable for a family of three. But I wanted to make sure that if we booked the cruise now, we'd have proper coverage in case something stood in our way from going in December.

With a kid and two adults, you never know who will be sick in the winter months or what types of winter storms will roll through, which makes travel insurance essential. 

While some travel insurance policies cover cruises, not all do. I decided to look into getting cruise travel insurance . Here's what it covers and how much it would cost for a family of three.

I was able to customize what type of coverage I wanted 

While cruise insurance policies offer a lot of the same coverage as travel insurance policies, they also offer additional add-on benefits that are relevant to cruises. I used a cruise travel insurance comparison site to find a plan through WorldTrips that covers all three of us for $386.

As I searched through quotes from different cruise travel insurance companies, I was able to select add-on coverage that I felt we needed. A lot of these options aren't usually offered with standard travel insurance.

For example, I added a hurricane and weather benefit. We live in New York City, and the cruise is in December. In case we're hit with a snowstorm or inclement weather, this policy allows us to cancel the cruise and receive a reimbursement. Without this coverage, we could miss the cruise and lose thousands of dollars.

I added on a cancel for any reason benefit 

One offering that cruise travel insurance companies usually have is a cancel for any reason upgrade. If we decide in the winter months not to go on the cruise anymore for no specific reason, we're able to get 75% of the cost of our trip back. 

This perk is usually an add-on for cruise travel insurance policies, but it is worth it. Even though it doesn't give you a full refund, it allows you to recoup most of your cruise costs if you no longer want to go.

The typical trip cancellation benefit offered by travel insurance companies only provides reimbursement if the trip is canceled due to specific things like illness, injury, or death.

Medical evacuation and repatriation was a must-have for our plan

One of the biggest reasons I wanted cruise travel insurance for my family was to cover any and all medical costs that could happen while we're out at sea. In addition to standard coverage, like emergency medical coverage (the plan I picked offers $100,000 per person in coverage), the plan also covers medical evacuation and repatriation, up to $250,000 per person.

This is important to me because if one of us gets very ill and has to be transported to a medical facility or return back home, this benefit covers the costs of that.

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