Meilleure Assurance Voyage

Choosing the best travel insurance is not always easy. There are a multitude of options and coverages offered by different insurance companies. In this article, we’ll help you find the travel insurance that best suits your needs, by looking at the different criteria you need to take into account.

Compare offers based on price and guarantees

One of the first things to compare when looking for travel insurance is, of course, price. However, you shouldn’t limit yourself to choosing insurance on the basis of price alone. It’s essential to take into account the guarantees offered to ensure you have the coverage you need.

Essential warranties

Here are a few benefits to check before purchasing travel insurance:

  • Assistance/repatriation: This coverage provides medical assistance or repatriation in the event of illness or accident during your trip. It generally covers medical and hospital expenses, as well as transport to a hospital or home.
  • Civil liability: covers damage caused to others (bodily, material or immaterial) for which you may be responsible during your trip.
  • Cancellation: reimburses you for expenses incurred if you have to cancel your trip for justified reasons (illness, death of a relative, etc.).
  • Luggage: covers loss, theft or damage to your baggage during your trip.

Additional warranties

Some travel insurances also include additional coverage. Here are a few examples:

  • Flight delay: provides compensation in the event of a long delay to your flight.
  • Injury compensation: this covers compensation in the event of injury or disability resulting from an accident during your trip.
  • Rental car insurance: covers damage to the vehicle you have hired for your trip.

It’s important to compare offers based on the guarantees offered and the coverage amounts. Don’t hesitate to ask for several quotes to find the travel insurance that best suits your needs and budget.

Adapt your travel insurance to your destination and length of stay

The destination and duration of your trip are factors to be taken into account when choosing your travel insurance. Some countries present higher health or political risks, and it’s important to check that your insurance covers these specific features.

International travel insurance

When you’re traveling abroad, certain types of coverage can be particularly important:

  • Assistance/repatriation: be sure to check the reimbursement limits for medical and hospital expenses, as they can vary considerably from one country to another. For example, medical costs are very high in the USA, and an insurance policy with a ceiling that is too low may not cover all your expenses in the event of a health problem.
  • Third-party liability: check that this coverage also covers damage caused to others abroad.

In addition, find out about any travel insurance requirements imposed by the country you’re visiting. Some countries, such as Russia and Cuba, require proof of insurance to issue a tourist visa.

Long-stay insurance

If you’re planning to spend several months abroad, it’s a good idea to choose travel insurance tailored to this type of project. Some offers include specific formulas for students abroad, expatriates or globetrotters. These policies generally offer cover adapted to this type of stay, such as:

  • comprehensive, long-term health cover
  • the possibility of returning temporarily to your country of origin without losing insurance coverage
  • specific cover linked to your activity (studies, work, etc.)

Take into account travel insurance exclusions and limitations

Finally, it’s important to check the exclusions and limitations of the various travel insurances before making your choice. Certain high-risk activities, such as diving or paragliding, may be excluded from coverage. Similarly, some insurances do not cover events linked to extreme weather conditions or natural disasters.

Don’t hesitate to ask your insurer any questions you may have, and to read your policy’s general conditions carefully to understand the cover included and any exclusions.

By taking all these criteria into account, you’ll be able to choose the travel insurance that best suits your needs, and leave with peace of mind.