Choose your travel insurance when you leave, whether it's for the holidays or for a bigger adventure, is an important detail not to be overlooked. There is no point in thinking of the worst of course, but there are still some essential points to think about.
What to plan for your travel insurance
- Do you benefit from hospital care abroad? ?
Depending on your destination and the activities you plan, you are not immune to disease, food poisoning or an accident. Depending on the severity and the area you are in, a hospital stay or a visit to a doctor may be necessary. Most insurance companies cover 100% Most insurance companies cover, Most insurance companies cover,
- Most insurance companies cover ?
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- And personal liability insurance abroad ?
Here again, many insurance companies plan to cover you in the event of a problem. What will differentiate them is the height of the compensation paid, how much they will support you and cover you during your legal proceedings, and what types of incidents are included in your plan.
- Are you covered in the event of loss or theft of your luggage? ?
It's not rare, especially on long-haul flights, that luggage is misplaced. If you have valuables inside, you will be reassured to be able to be compensated in the event of a glitch. Several insurance companies include this item in their package, with compensation on a more or less large scale. The choice is yours as to your needs.
What can tip in the balance
- During a repatriation (or in the event of early return following a death), some insurance companies also offer to cover the return ticket for the accompanying person, according to more or less criteria (relationship, support ceiling, …). This is one of the clauses to read in detail if you do not want to pay full price for a last minute return ticket.
- Also, during hospitalization, some insurances offer to cover the accommodation of the accompanying person, and, if he is not there, his ticket.
- In the event of the death of a family member, most insurances insure your return if it is a relative (dad, mother, brother, sister), but only a few will pay for your return if it is a more distant member of your family (Grand parents, uncles…)
- If repatriation is impossible, it is important to know to what extent and at what rate your extension of stay is covered (related medical and hospitalization costs, return ticket).
- Beware of warranty exclusions : they are often the same from one insurance to another concerning medical expenses (not covered in case of pregnancy, sexually transmitted disease, etc), but it can be interesting to compare them to highlight differences that can benefit you.
- Regarding baggage, most insurances only cover you in the event of loss or theft during the journey made with a transport company. But some offer interesting options to cover you in other situations., which may be of interest if you take valuables with you.
Which insurance to choose ?
If you still want to choose this option for a trip to Europe, you will need to apply for a European health insurance card (CEAM), which will allow you to benefit from the reimbursement of care in the same way as the insured persons of the country visited (to know more : https://www.service-public.fr/particuliers/vosdroits/F34441).
Furthermore, if you only want minimal coverage, the majority of banks include repatriation insurance in their packages, or even more comprehensive travel insurance depending on the type of credit card you have chosen. Be careful in this case to inquire with your bank about the ceilings and the duration of the guarantee. (and you will have to think about paying for your trip with this bank card).
To leave more serene, you can take out more comprehensive travel insurance (which is recommended for trips of several months or even less depending on your destination and the risks involved). You will then have to find a happy medium between the extent of the coverage offered and the budget you are ready to grant..
You can start by targeting the type of guarantees you want, and important key points for you (a person traveling with a child will not have the same priorities in terms of insurance as a person going to perform extreme sports on the other side of the world).
Here are the offers of 3 the most specialized travel insurance (Chapka, AVI and ACS), here compared within the framework of a whole world voyage of 12 month for a person under 36 years. These offers all include coverage of medical expenses 100% without upfront costs, repatriation assistance, civil liability, baggage insurance, legal fees as well as death and disability benefits.
Comparisons of 3 best known offers
| ACS - Globe Partner offer - 36€/month | Chapka - Cap Adventure offer - 48€/month | AVI international - Offers Marco Polo - 47€/month | |
|---|---|---|---|
|
MEDICAL FEES |
|||
|
Medical fees (surgery, hospitalization, consultation, pharmacy, paramedical care ...) |
100% actual costs without deductible or delay
Up to 150 000€/pers/an |
100% actual costs without deductible (except USA and Canada 35€)
Up to 200 000€/pers/an |
100% actual costs without deductible
Up to 300 000pers/an (100 000 in Europe) |
|
Daily allowance in the event of hospitalization following an accident or illness |
Non supported |
30 € / day, franchise 5 days, max of 300 € |
Not disclosed |
|
Emergency dental costs |
300 € |
600 € / an |
150 € |
|
Dental expenses following an accident |
600 € |
440 € / dent - maximum 1 300 € / sinister |
500 € / dent |
|
Optical costs following an accident |
Non supported |
400 € |
400 € in the event of a serious accident |
|
Medical repatriation and medical transport |
100% real costs |
100% real costs (80 € / day / person in case of extension of the stay on site, 10 maximum days) |
100% real costs (unlimited) |
|
Dispatch of essential and unobtainable medicines on site |
100% real costs |
100% real costs |
supported |
|
Transmission of urgent messages |
supported |
NC |
Provision |
|
Search and rescue costs |
100% up to 3 000 € |
Up to 3 500 €, max 30 000 € per event |
2 000 € |
|
Repatriation of the body in the event of death |
100% real costs (funeral expenses limited to 1 500 €) |
100% real costs (coffin costs up to 2000€) |
100 % real costs (unlimited) |
|
Presence of a companion in case of hospitalization |
Billet A/R + accommodation costs if hospitalized > 7 days (80€/night, max 8 nights) |
Billet A/R + hotel costs 80€/day (max 10 days) |
1 ticket
A/R up to 2 000 € (transport and accommodation costs if hospitalized > 5j) |
|
Return of accompanying insured persons |
Non supported |
Return ticket (or AR ticket of the guide for the return of minor children) |
supported |
|
JURIDIC ASSISTANCE |
|||
|
Juridic assistance |
Up to 3 000 € |
13 000 € (attorney fees) |
Coverage of attorney's fees |
|
Advance on bail |
Up to 7 000 € |
7 500 € |
7 500 € |
|
Cash advances |
Up to 700 € (in case of theft or loss) |
3 000 € |
1 000 € (in the event of theft of means of payment) |
|
PUBLIC LIABILITY |
|||
|
Public liability (bodily injury) |
4 500 000 € |
4 500 000 € (Limited to 1 500 000 € in USA/ Canada) / per event and per year of insurance |
750 000 € (guaranteed to 100 % including lawyers' fees and accident legal assistance) |
|
Public liability (material and immaterial damage) |
450 000 € |
450 000 € / per event and per year of insurance |
450 000 € guaranteed to 100 % including lawyers' fees and accident legal assistance) |
|
PREVOYANCE |
|||
|
Accidental death benefit |
8 000 € |
12 000 € |
15 000 € |
|
Capital total permanent incapacity following an accident |
30 000 € |
50 000 € |
Up to 75 000 € |
|
BAGGAGE |
|||
|
Baggage loss/theft |
1 150 € (during the return journey in addition to the transport company) |
2 000 € / anybody (without franchise) |
2 000 € included
+ theft and damage guarantee option during transport or in the event of an accident of the insured's bicycle or that lent by the host family
|
An additional option
ACS also offers the Globe Traveler Offer which allows you to personalize your insurance formula and have more comprehensive coverage., with among other things :
- Increase in the limit of medical expenses up to 300 000 Where 500 000€ depending on the terms
- Increase in the accidental death benefit to 10 000€ and the incapacity capital following an accident at 50 000 (and death capital at 1000€)
- and death capital at 1000€ 5 000€,
- and death capital at 1000€
- and death capital at 1000€
- and death capital at 1000€
- and death capital at 1000€ (and death capital at 1000€) and death capital at 1000€ 9 000and death capital at 1000€ 30 000and death capital at 1000€
- and death capital at 1000€, and death capital at 1000€
- and death capital at 1000€.
Our choice : and death capital at 1000€
and death capital at 1000€
and death capital at 1000€, it still offers good guarantees, often equal or barely inferior to its competitors :
- Support at 100% medical and hospital expenses within the limit of 150 000 € per person per year, all without deductible or upfront costs.
- Support at 100% repatriation costs, including sending essential medicines, search and rescue costs up to €3,000 and transportation of the body in the event of death.
- It provides accommodation and transport for a designated companion in the event of hospitalization., but also the return of the accompanying insured person in the event of the repatriation of another person or their early return.
- It offers civil liability up to 4 500 000 € in the event of bodily injury and 450 000 € in the event of material and immaterial damage
- Juridic assistance, correct baggage and pension insurance, etc…
More than enough coverage for our needs on the Nepal Project
For our project, the important thing is to have good medical coverage and assistance in the event of repatriation (given the number of countries we will cross, in any season, traveling by bicycle, sometimes in bivouac sometimes at the inhabitant, the risk of illness and accident remains very present). On that side, the Globe Partner offer seems to us to be quite suitable.
We are less demanding in terms of legal assistance or pensions. We are less demanding in terms of legal assistance or pensions, We are less demanding in terms of legal assistance or pensions. We are less demanding in terms of legal assistance or pensions, We are less demanding in terms of legal assistance or pensions. We are less demanding in terms of legal assistance or pensions (We are less demanding in terms of legal assistance or pensions, We are less demanding in terms of legal assistance or pensions), We are less demanding in terms of legal assistance or pensions.
We are less demanding in terms of legal assistance or pensions
We are less demanding in terms of legal assistance or pensions, the ACS team quickly responded positively and wanted to accompany us to 100% in this adventure : strong support that allows us to leave with peace of mind.
We would like to thank them for their trust and their responsiveness.. Only one haste from now on : go on an adventure !
To know more
Do not hesitate to go directly to their site if you wish to know in more detail the extent of their guarantees., or even the other offers they offer !
