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Why do you need a separate travel insurance ?
- The basic cover provided by an EU CEAM is not sufficient :
this will not cover private medical health care or costs such as sports rescue or being flown home in an emergency and this will not help if travelling outside Europe ...
The European CEAM card from your French caisse ( CPAM ) gives no more than the cover as a resident of the visited country .
- The top up "mutuelle" will stricly follow the EU CEAM cover ... ( and maybe less for outside expenses ... )
- The CREDIT CARD includes travel insurance but its cover will only apply up to a limited amount which is not sufficient for travelling in the US for instance ... ( a single day in hospital could cost up to € 7,500 )
So if travelling to a country where healthcare is expensive, private separate cover is advisable.
About other aspects of travel cover, neither Visa nor Matsercard will cover cancellation of a holiday or maybe with a strictly limited list of reasons ...
However you are traveling outside the EU, taking expensive belongings, taking part in sports or travelling for extended periods, it makes sense to consider buying the best travel insurance.
We repatriate you to France : home transportation when medically essential
Emergency help to provide medical help and assistance
Loss or theft of luggages up to 3 000 Euros
Cancellation is a temporary cover : call us before signing for your next trip !
A large list of sports