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Best Travel Insurance for Paris, France

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12/14/19

This post contains affiliate links. If you click through and make a purchase, I’ll earn a commission, at no additional cost to you. Read my full disclosure here.

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When planning your next trip to Paris, you’ll most likely think about your flight, transfers, hotel and main activities. However, there is one important aspect of traveling that you might have forgotten: travel insurance.

One of our few travel essentials, apart from the passport, is travel insurance. For us, travel insurance is not an additional cost, it is a small investment in our health and belongings.

Even if you have health insurance at home, there are always limitations to your coverage abroad, which means hefty out-of-pocket payments, rare direct billing and the possibility that you may not be covered at all. If you choose travel insurance that suits your needs, you ensure that you and your family are protected from unprecedented incidents while traveling.

Looking for the best travel insurance to Paris, France or Europe, in general, can be quite intimidating, that’s why we are here to help!

Travel Insurance to Paris, France

We are sure that your trip to Paris will be a memorable one. But life is not predictable and in case something does not go according to plans, having good travel insurance for Paris, France, is worth the investment.

Unfortunately, things may go wrong also when you are traveling and you are having the best time of your life. Sometimes it may be a missed connection flight on a layover in Paris or somewhere else. Sometimes it can be a broken arm or many things at the same time.

Contrary to widespread belief, health care in France is not free and you will be presented with a bill (a little invoice . .) at the end of your treatment, which you’ll be expected to pay before you leave. The cost of covering these expenses can be high, maybe hundreds or thousands of euros, which you may not have at that moment. How willing are you to take risks?

READ MORE – Check out this pre-trip checklist for international travel

Travel Insurance for Paris

 

What is a Travel Insurance

Travel insurance is the way to protect your trip essentials, including trip cancellation and interruption, medical expenses, evacuation, and baggage insurance.

Of course, not all activities are covered under every plan. Take the time to read the conditions carefully, what is included and what is not.

Comprehensive travel insurance includes all of the above plus expenses incurred if your trip is delayed, if you miss your flight, or if your tour company changes your itinerary.

 

Most Popular Types of Travel Insurance for Paris and France

We have listed below the most common types of travel insurance for Paris and France. By understanding the pros and cons of each type of travel insurance, you can choose the best Paris travel insurance for you.

Travel Insurance Paris

 

European Health Insurance Card (EHIC Card) + Complements

If you are a European traveling to France or to other countries in Europe (actually to all EEA Countries + Switzerland) you may be ok with the European Health Insurance (EHIC) card. This healthcare card is free, you can order it online, and it will basically give you the same rights as in your own country’s healthcare system.

Two things to consider:

» Notice that this card is not a travel insurance policy. It is a healthcare card, so you will be covered only for the medical part of your trip. Also, it is important to understand how much (%) of the medical expenses your healthcare system covers if you have an accident abroad. 

» You may want to complement this coverage with basic travel insurance for travel cancellation or problems with luggage. Online travel companies like Kayak.com or flight companies usually propose this kind of insurance for 10-15€ when you buy your flight tickets online.

 

Credit Card Travel Insurance 

Some people traveling to Paris will rely on Credit Card Travel Insurance. This is good to go insurance for us when we do short trips in Europe because we have the European Health Card (we are in the French Social Security System).

However, credit card travel insurances have limitations and may also have hidden gaps and the level of coverage that travelers think they have is not that good or not enough for their needs.

For example, we can use our Visa travel insurance or our MasterCard travel insurance only for trips shorter than 3 months as long as we have paid things like transportation tickets with this card and we are traveling from our country of residence (France).

Beware on this level of cover. Be sure to check the terms of use of your credit card insurance to understand in which cases you can use it, what it covers and for how long.

» Read the medical expenses coverage part carefully. Many credit card travel insurance plans have very limited coverage for medical emergencies and medical care. This means that travelers are forced to pay out of pocket if they are injured during the trip. 

» Also, understand if the credit card travel insurance only extends to the portion which was purchased on with the card, or for the totality of your trip.

 

Traditional Travel Insurance

Traditional travel insurance plans cover the entire trip, regardless of how the traveler paid for it. With one policy and only one number to call when things go wrong, travelers can receive protection on every part of their trip, from the drive to the airport until they are back home.

While general travel insurance is helpful, it has limitations such as trip length and the medical coverage they do provide is geared primarily towards emergencies. In addition, you’re often not eligible to buy traditional travel insurance once you’ve left your home country, that’s why companies like World Nomads and SafetyWing came to life. Amongst all these new companies, SafetyWing is our favorite one. We’ll tell you why.

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SafetyWing: a Winning Combination of Medical and Travel-related Coverage

SafetyWing Travel Insurance

For long trips in Europe or overseas, we have tested many travel insurance plans. The one which works best for us and we will go on buying in the future is SafetyWing.

Looking for travel insurance to Paris, France? Get your travel insurance Paris with SafetyWing, a winning combination of medical and travel-related coverage.

SafetyWing is the newer entrant to the market of travel insurance. Started by nomads for nomads, long-term travelers, or remote workers, SafetyWing serves as a hybrid of both travel health insurance, as well as travel insurance.

SafetyWing has flexible plans from 5 days to 364 days. It also has great customer service, competitive prices, and we really think it is the best option for a long trip to France or Europe.

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How SafetyWing Works

SafetyWing Dashboard

A quote won’t hurt

As a partner of insurance giant Tokio Marine, SafetyWing offers travelers insurance that is a combination of medical and travel-related coverage.

Looking for your Paris travel insurance but don’t know where to start? SafetyWing has a great online platform that makes getting started really easy.

You pay $37 for 4 weeks of coverage if you’re between 18 and 39 years old. If you are older,  the premium increases according to age band.

Coverage automatically renews every four weeks for 364 days, and you can cancel at any time without penalty.

You can sign up from anywhere, from home before your trip to Paris or when you are already on the road. If you are looking for travel insurance on the go, SafetyWing is a very good option!

If something happens and you need to use your policy you have two options:

» Search on their website for a partner hospital or medical provider near to you. Make a visit, and they will directly bill SafetyWing without having you pay upfront.

» Otherwise, visit any medical establishment, pay at the time of treatment, and submit a claim for reimbursement.

The deductible on SafetyWing is $250 per policy period.

 

IMPORTANT: Before you purchase your travel medical insurance policy please check all the details to be sure it covers all your needs. Some of the details on this post may have changed.

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What is Covered

SafetyWing provides quite extensive coverage, particularly for unexpected illness or injury. Here are some key inclusions:

» Health /Medical

  • Emergency Medical Treatment
  • Medical Expenses
  • Emergency Dental
  • Hospital Room and Board
  • Family member transportation from the home country if you need an extended hospital stay
  • Terrorism Evacuation
  • Emergency Medical Evacuation
  • Natural Disaster Accommodation

» Travel

  • Lost Checked Luggage
  • Trip Interruption
  • Travel Delay (after a 12-hour delay period requiring an unplanned overnight stay)

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What’s Not Covered

Like most insurance policies, there are certain things that are not covered under SafetyWing. These exclusions are routine check-ups, pre-existing conditions (besides acute onset), and cancer treatment. This is pretty reasonable as this is travel medical insurance, not primary health insurance.

  • Organized and professional sports, and adventure sports.
  • Pre-trip cancellations or missed connections
  • Belongings Stolen, damaged or destroyed

 

For full details on what is covered (and what is not) we recommend checking out their website.

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Travel Insurance Stories by Travel Experts & Friends

Woman Crying

Most people don’t think that getting travel insurance is important, but it is highly recommended to mitigate travel risks. Below, personal stories and stories by travel experts and friends who were happy to have their travel insurance when they were in trouble.

 

PROBLEMS ON THE ROAD

During a road trip abroad, we had a car accident. The car was destroyed and my right arm was badly cut by the glasses of the broken car window so we had to go to the nearest hospital.

In the hospital, my arm was cleaned. After some antibiotics and other shots, it was necessary to have surgery to close the wound (I could see my bone!). This was a simple operation with local anesthesia so there was no need to sleep in the hospital. However, I was asked to stay in town for the next 3 days for the dressing and some extra shots.

The travel insurance followed all the process and their doctor called me regularly to check how I was doing. For me, it was important to have a friendly and reassuring voice, from France, on the other side of the phone. Because they did not have an agreement with the hospital where I received the treatment I had to submit a claim for reimbursement but I was paid without any problem.

What happened to the car? When we rented the car we did not find it necessary to buy insurance (after all, what’s going to happen in 10 days?) so all the expenses were paid from our pockets.

 

AN UNEXPECTED VISIT TO THE HOSPITAL

By Claudia from My Adventures Across The World

I am a firm believer that travel insurance is the kind of thing you buy prior to traveling in the hope you never make use of it. However, there have been a few occasions in which I have had to make use of it.

The last time was while I was visiting Buenos Aires. I realized that I felt the urge to pee way too often, and quickly recognized the symptoms of a urinary tract infection.

Instead of wasting precious time trying to find a solution (I knew pharmacies would refuse to give me antibiotics if I didn’t have a prescription) I called the insurance company who localized the nearest hospital I could access. As soon as I arrived, I was admitted without having to pay a dime and I was run through some tests.

Once it was established that it was indeed a urinary infection that was causing the symptoms, I was sent to a pharmacy where I paid the equivalent of €30 for medications. This was the only sum I had to cover – I just assume the costs would have been much higher if I didn’t have travel insurance.

 

WHEN IT’S NECESSARY TO BOOK THE FIRST FLIGHT HOME

By Lesley from Freedom 56 Travel

My travel insurance story isn’t a happy one but really is a cautionary tale about why trip cancellation and interruption insurance is a really worthwhile investment.

I booked a 3-week trip to Europe when one of my parents was sick with a chronic but stable illness.  I considered for a few days whether the cost of trip cancellation and interruption insurance was worth the additional cost but decided to go ahead with it as the added expense wasn’t great and the peace of mind it provided was helpful.

Several months later when I started the trip, my Mother’s condition was much the same as it had been months before, so I didn’t worry about taking the trip.  Very sadly, 2 weeks into the trip I received a call from my sister that my Mother’s condition had deteriorated significantly and she had very little time left.  I immediately booked the first flight home, but Mom passed away before I arrived.

I never regretted the expense I incurred to book a last-minute flight home as I needed to be with my family.  I was surprised to find out the insurance I purchased not only reimbursed the cost of the flight but also for the trip expenses I had pre-paid for the last week of the trip I missed.

In the grief of my Mother’s passing, it was a relief not to have to worry about the financial impact of returning home so quickly.  Since that time, I have always used trip cancellation and interruption insurance. I have not had to use it again but knowing that it’s there really provides peace of mind for life’s unexpected occurrences.

 

MEDICAL TREATMENT IN VIENNA

By Holly from Globe Blogging

Traveling through Austria I felt Bronchitis coming. As we were going into Croatia we were strongly advised that if we required medical treatment to get it in Vienna.

As a foreigner, I was told my only chance to get antibiotics was to go to the hospital.

I am sure they must have thought ‘tourist’ and seen dollar signs above my head in neon lights. I found myself lying on a bed being poked and prodded, sensors taped to my chest for an ECG, chest x-ray’s and a blood test, all in the guise of being thorough.

After spending most of the day there, they sent me away with a diagnosis of a ‘bad cough’ and told me to see a chemist. Naturally, this was after I had paid about 400 Euros.

It’s a scary thing being sick in a country where you don’t even speak the language and it’s easy to find yourself handing over money for things you probably wouldn’t have agreed to had you fully understood. While I certainly had plenty of grief making the claim with the travel insurance company, which I incidentally never used again, I was at least eventually able to get most of my money back.

 

SING UP FOR INSURANCE

Click on SafetyWing insurance to learn how SafetyWing keeps you traveling safely

 

 

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Disclaimer: This post includes affiliate links, meaning we get a small commission if you make a purchase through our links. It costs you nothing more (in fact, if anything, you’ll get a nice discount) but helps us to go on creating incredible Paris content for you. We trust all products promoted here and would never recommend a product that isn’t of value.
World in Paris is a participant in the Amazon Services LLC Associates Program. As an Amazon Associate, we earn from qualifying purchases at no expense to you.

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  • Agness of Fit Travelling
    10/23/2017 at 5:33 pm

    Travel insurance is truly important and necessary! Thanks for sharing your tips. Your post is very enlightening and practical!

    • WorldInParis
      10/24/2017 at 9:25 pm

      Great that you liked it Agness 🙂

  • Lakshmi Sharath
    10/22/2017 at 9:05 am

    Very comprehensive post..coming from India we need insurance to even to apply for visa

  • Paige W
    10/12/2017 at 2:38 am

    Great post full of options for travel insurance. My husband and I always use Wold Nomads as well. People think those accidents will never happen to them, but I just broke my arm in Thailand less than a week ago.

  • Jennifer
    10/11/2017 at 9:34 am

    You’re right that travel insurance is a small investment that could literally mean the difference between getting treatment or even going bankrupt. I think the most extreme story is Dave & Deb from The Planet D. A few years ago Dave slipped and broke his back in the Amazon jungle. He had to be airlifted out and then also flown by an emergency med plane back to Canada. The costs of those flights alone would have bankrupted them had they not had travel insurance. It’s just not worth the risk to not have the insurance because you never know what could happen.

  • Megan Jerrard
    10/10/2017 at 11:34 pm

    So glad to see a post promoting travel insurance – SO much can go wrong, and the cost is so insignificant compared to what you might have to pay if you find yourself in an accident overseas. As you said, anything can happen! I used to rely on my credit card travel insurance, though as you rightly pointed out, I found that this had many hidden gaps, and it didn’t come through for me when I needed it the most. So it’s traditional travel insurance for us – have heard great things about World Nomads 🙂

  • Dave Briggs
    10/10/2017 at 5:49 pm

    It’s always good to know about the different insurance options. I have the European Health Card you mentioned, but fortunately so far, have not needed to use it. It’s there in case I do though! As for additional insurance, I normally judge country by country as to if I need it or not. Certainly for the US I take it, but most Europeans I think take for granted that we visit other countries in the EU with the health card and maybe credit card cover.

  • Susan R
    10/09/2017 at 10:40 pm

    Travel insurance is good not just for emergency cover but most importantly for peace of mind. I feel more relaxed knowing that I’ve got a backup solution in case of a problem. Thanks for sharing details of this insurance plan

  • Simon
    10/09/2017 at 4:52 pm

    We don’t leave home without travel insurance at all. I love how you explained the different types of travel insurance and the limitations each has. We believe in World Nomads travel insurance as well.

    • WorldInParis
      10/11/2017 at 7:22 pm

      Glad that you enjoyed my post (and to know that you always travel with a good cover!) 🙂

  • Gokul Raj
    10/08/2017 at 7:39 am

    I always take travel insurance before I go for a trip. Unfortunately World Nomads does not have good plans for Asian residents.

    • WorldInParis
      10/08/2017 at 7:53 pm

      Interesting feedback. I am sure that my Asian audience will appreciate that. Thanks!

  • Karen
    10/08/2017 at 6:17 am

    I’ve had two horrible experiences where my travel insurance came in handy. Unfortunately both times were very frustrating! Thanks for sharing this recommendation on World Nomads

    • WorldInParis
      10/08/2017 at 7:57 pm

      Oh, I would be interested in knowing more details about the frustration :-/

  • Rhonda Albom
    10/07/2017 at 8:30 am

    We also use World Nomads and it seems that every time we leave the country we have to use it in one way or another. I couldn’t imagine travelling without it. I second your recommendation.

    • WorldInParis
      10/08/2017 at 7:55 pm

      Thanks Rhonda for your feedback. Sorry to read that you have problems on the road when you travel, hope nothing really bad! But glad to know you had your insurance