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Travel Insurance For France
One of the first places people think of when they plan to visit Europe is France. It’s certainly a draw for Australians, with more than 124,000 Aussies visiting in 20171. It’s the combination of food, wine, scenery and culture that attracts people.
But while it’s an incredible country to explore, things can still go wrong. You’re a long way from Australia, and not everyone speaks English, so it’s important to have the right travel insurance to enjoy peace of mind on your trip.
Fabulous French experiences – and why travel insurance lets you enjoy them more
Whether you’re a culture vulture, a wine aficionado, or an adrenaline junkie, France can provide the ultimate holiday destination for all types of travellers. Here’s just a few ideas to plan your dream French vacation:
• Parisian culture: There’s no end of things to do in Paris – you’ll run out of time before you run out of places to see. There are the classics such as the Eiffel Tower, the Louvre, the Arc de Triomphe and so much more. But Paris’s tourist hotspots are also hotbeds of petty crime, being frequented by pickpockets. Travel insurance is essential for enjoying the city and being prepared for any unplanned mishaps.
• Adventures in the Alps: Whether you’re a powder snow-chaser wanting to ski or snowboard the Alps in winter, or keen on hiking or climbing Chamonix’s slopes in the warmer months, France is a mountain-lovers dream destination. Take care though, as those slopes are dangerous and travel insurance is a must-have in case you injure yourself. Make sure you’ve got the appropriate cover for any activities you have planned, as a basic policy may exclude some adventure sports like skiing.
• Wine and dine: When lots of people think of France, two things are the first to come to mind – indulgent food and incredible wine. Sancerre, Burgundy, Champagne, and Bordeaux are all legendary wine regions with strong food cultures to match. But remember to take care when enjoying your wine, as travel insurance is usually invalidated for alcohol related incidents.
• Laze on the Cote d’Azur: Take in the French Riviera exploring St. Tropez, Nice, Cannes and more. Whether you choose to explore on foot, by road, or even by sailboat, there’s plenty to see. Remember, if you’re hiring a vehicle, be it a car, moped or a boat, make sure to check the details of what your travel insurance policy will and won’t cover you for, and any licensing restrictions.
Potential problems in France
As France is so popular with tourists, it’s prone to pick-pocketing, scams, petty thefts and bag-snatching2, especially on public transport and in crowded areas. The Australian government recommends travellers to France exercise a high degree of caution, due to the risk of civil disturbance and terrorist acts2.
What does travel insurance cover in France?
It’s very important to have travel insurance for France, because there’s always the risk of your luggage going missing! Australia doesn’t have a reciprocal healthcare agreement with France3, so the medical part of your travel insurance is very important. Remember, even healthy people can get sick and accidents happen, so don’t take the chance of travelling without insurance.
Your policy should cover the costs of medical treatment, ambulance transportation, dental costs and repatriation flights if necessary. You should also look for a policy that offers in-hospital cash.
If you injure someone or damage property while you’re in France you’ll need this cover to help you.
Cancellation fees and lost deposits
If you have to cancel or rearrange all or any part of your trip, then you may lose your deposit or have to pay a cancellation fee. This cover can reimburse you.
Lost or delayed luggage
If your luggage is lost or delayed then you’ll be covered and so able to buy replacement clothes, toiletries and anything else that was lost.
Lost or stolen possessions
If you lose your luggage during your time in France then you’ll be reimbursed for the costs of replacing your goods.
Travel disruptions and cancellations
Disrupted travel means unexpected expenses like meals and hotel rooms, so if you’re stuck for a few days, you’ll be reimbursed.
Lost or stolen passports
If you have to replace passports or other travel documents then this is covered.
Rental vehicle excess
If you get into a crash with your rental car, then you’re covered against the rental company’s insurance excess payment.
Need travel insurance before heading on your holiday to France?
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