Allianz France (formerly Assurances Générales de France - AGF), Société Anonyme

Assistance call deadline

The insured must contact Allianz Travel's 24/7 assistance service and obtain prior approval before incurring any medical expense abroad.

Unauthorized treatment

Failure to obtain Allianz's prior approval before incurring medical expenses may result in claim denial or reduced reimbursement.

Purchase while abroad

Without the cancellation option, the contract can be purchased up until the day before departure; the contract cannot be taken out once the trip has already begun.

Chronic conditions

A chronic illness is considered stable, and therefore covered, if it caused no hospitalization or complication in the 6 months preceding the contract's signature.

Pregnancy

Pregnancy-related cover is not automatically included; it is available as an additional guarantee that must be added to the base contract.

Pre-existing condition exclusions

Illnesses that were unstable (hospitalization or complication) in the 6 months before signature are excluded; the consequences of pre-existing conditions known before departure are generally not covered.

Coverage duration limit

The Assurance Vacances contract covers a single trip of less than 2 consecutive months; longer trips require the long-stay insurance product.

Medical expenses abroad

Coverage for emergency medical treatment costs during travel, including ambulatory and hospitalization fees

Medical repatriation

Transportation and organization of patient return to home country when local medical facilities are insufficient

Trip cancellation

Reimbursement of pre-paid trip costs when cancellation occurs due to covered events (illness, death, severe home damage, job loss, visa denial, ID theft, vaccine contraindication)

Baggage and personal effects

Protection against loss, theft, or damage to baggage and personal belongings during travel; includes baggage delay coverage

Travel assistance

Emergency support services including medical advice hotline, transport arrangements, legal assistance, and emergency message relay

Trip interruption

Reimbursement of unused pre-paid services (hotel nights, excursions, vehicle rental) if trip must be cut short due to covered events

Third-party liability

Coverage for accidental damage or injury caused to third parties during travel, protecting against legal and compensation claims

High-risk and adventure sports exclusion

Certain sports and activities excluded from coverage: kite-surfing, bobsleigh, ski jumping, alpinism above 3,000m, caving, hang-gliding, paragliding, parachuting

Home country domicile requirement

Policyholder must be domiciled in Europe (France or other EU member states) for eligibility

Trip duration limit

Standard vacation coverage applies to trips of less than 60 days; longer trips require long-stay insurance product

Mandatory pre-approval for medical expenses

Policyholders must obtain Allianz approval BEFORE incurring any medical expense abroad; failure to do so may result in claim denial or reduced reimbursement

Exclusion of medical treatment trips

Trips whose purpose is residential medical treatment or elective medical procedures are not covered

Pandemic and epidemic coverage

Current policies include coverage for pandemic/epidemic consequences including medical repatriation (e.g., COVID-19 related claims)