Pending review

AXA Travel insurance (Voyageo Court Sejour)

Underwritten by AXA Assistance (Inter Partner Assistance) · France

travel insurance from AXA for the France market, with online purchase and 24/7 assistance.

Verified Aug 29, 2026 · Terms dated 2022-10Sources

Online purchase24/7 helpline

Unique selling points

Medical expense coverage abroad up to 1,000,000 € under Formule 3 (500,000 € / 700,000 € under Formules 1 / 2), with hospitalization costs advanced on request.

Free 24/7 medical teleconsultation with French-speaking doctors via the 'Doctor Please!' app, included in every formula at no extra cost.

Entry-level pricing from 18 € with degressive rates the longer the trip, for stays of up to 90 consecutive days.

Backed by a worldwide network of AXA Assistance experts providing 24/7 medical and travel assistance and repatriation support.

Easy upgrade path to the annual 'Voyageo Multi-Voyages' contract for frequent travelers, covering unlimited trips of under 90 days within a year without re-subscribing each time.

Coverage limits

Covered

Medical expenses abroad

€500K – €1M

Reimbursement of medical costs abroad (visits, consultations, pharmacy, nursing, hospitalization) remaining after intervention of social security/mutual insurance, capped per insured per event at 500,000 € (Formule 1), 700,000 € (Formule 2) or 1,000,000 € (Formule 3), subject to a deductible of 75 € (F1) or 50 € (F2/F3).

Clause 3.1.2.2Page 10

Section: 3.1.2. Assurance de frais médicaux à l'étranger > 3.1.2.2. Conditions et montant de la garantie

FORMULE 1 FORMULE 2 FORMULE 3 Plafond par assuré et par événement Frais médicaux à l'étranger 500 000 € 700 000 € 1 000 000 €

Covered

Emergency medical treatment

€500K – €1M

Emergency medical treatment costs abroad are covered under the same per-assured/per-event ceiling as medical expenses (500,000 € / 700,000 € / 1,000,000 € depending on formula).

Clause 3.1.2.2Page 10

Section: 3.1.2. Assurance de frais médicaux à l'étranger > 3.1.2.2. Conditions et montant de la garantie

Notre prise en charge se fait à concurrence de : Frais médicaux à l'étranger 500 000 € 700 000 € 1 000 000 €

Covered

Hospitalization advance

Covered

AXA Assistance can advance hospitalization costs abroad directly, within the medical expenses ceiling, against a bank card imprint or security deposit; a deductible of 75 €/50 € per insured applies.

Clause 3.1.2.5Page 11

Section: 3.1.2. Assurance de frais médicaux à l'étranger > 3.1.2.5. Avance des frais d'hospitalisation à l'étranger

En cas d'hospitalisation, et si vous ou l'un de vos ayants droit en fait la demande, nous pouvons avancer les frais d'hospitalisation pour votre compte dans la limite des montants indiqués à l'article « Conditions et montant de la garantie »

Outpatient treatment

No limit stated

Outpatient costs (visits, consultations, pharmacy) are reimbursed within the overall medical expenses ceiling, but no distinct outpatient sub-limit is stated in the sources.

Covered

Emergency dental care

€150 – €400

Emergency dental costs are covered per insured per event up to 150 € (Formule 1), 300 € (Formule 2) or 400 € (Formule 3).

Clause 3.1.2.2Page 10

Section: 3.1.2. Assurance de frais médicaux à l'étranger > 3.1.2.2. Conditions et montant de la garantie

Nous prenons en charge les frais dentaires d'urgence à concurrence de : Frais dentaires d'urgence 150 € 300 € 400 €

Covered

Return transport of other insured travelers

Covered

AXA Assistance organizes and pays the transport costs (actual cost of the return ticket) for other insured travelers accompanying the repatriated or deceased insured.

Clause 3.1.4.3Page 13

Section: 3.1.4. Prestations d'assistance médicale ou en cas de décès > 3.1.4.3. Retour des assurés

Dans le cadre de votre rapatriement médical ou du rapatriement de votre corps, nous organisons et prenons en charge le retour au domicile des autres assurés.

Covered

Medical repatriation

Covered

If AXA Assistance's medical team recommends it, medical repatriation to a medical facility or to the insured's home is organized and paid for at actual cost ('frais réels'); the source does not state this benefit is unlimited. Refusal of the proposed solution forfeits the medical assistance guarantees.

Clause 3.1.4.1Page 13

Section: 3.1.4. Prestations d'assistance médicale ou en cas de décès > 3.1.4.1. Rapatriement médical

Tout refus de la solution proposée par notre équipe médicale entraîne la déchéance des garanties d'assistance médicale.

Covered

Repatriation of mortal remains

€2.3K

Repatriation of the body or ashes to the place of burial in the home country is organized and paid at actual cost, including post-mortem treatment and preparation for transport; coffin costs linked to transport are capped at 2,300 €. Funeral/burial ceremony costs remain at the family's charge.

Clause 3.1.4.10Page 14

Section: 3.1.4. Prestations d'assistance médicale ou en cas de décès > 3.1.4.10. Rapatriement en cas de décès

Les frais de cercueil liés au transport sont pris en charge à concurrence de 2 300 €. Les frais d'obsèques, de cérémonie, de convois locaux, d'inhumation ou d'incinération restent à la charge de la famille du défunt.

Covered

Search and rescue costs

€10K

Search and rescue costs to locate and evacuate the insured to the nearest reception center are covered up to 10,000 € per insured and 20,000 € per event, within a maximum of 60 hours of search per event.

Clause 3.1.3.2Page 12

Section: 3.1.3. Assurance des frais de recherche et de secours > 3.1.3.2. Plafond de la garantie

Notre prise en charge se fera dans la limite de 10 000 € par assuré et 20 000 € par événement. La prise en charge se fera dans la limite de 60 h de recherche par événement.

Excluded

COVID-19 / epidemic treatment

Excluded

The general exclusions applicable to all guarantees exclude epidemics and any infectious or chemical risk.

Page 38

Section: 4. Exclusions communes à toutes les garanties

les épidémies, tout risque infectieux ou chimique ;

Excluded

Pre-existing conditions

Excluded

Pre-existing illnesses or injuries diagnosed and/or treated, having led to a medical consultation or hospitalization within the 6 months before the assistance request, are excluded, unless there is a clear and unforeseeable complication or worsening.

Clause 3.1.4.12Page 17

Section: 3.1.4.12. Exclusions spécifiques aux garanties d'assistance médicale

les maladies ou blessures préexistantes, diagnostiquées et/ou traitées et ayant fait l'objet d'une consultation médicale ou d'une hospitalisation dans les 6 mois avant la date de demande d'assistance, à moins d'une complication ou aggravation nette et imprévisible ;

Winter sports cover

No limit stated

No distinct winter-sports guarantee is stated. Winter-sports equipment is explicitly excluded from the baggage/sports-equipment guarantee, and practising snow/ice sports on a non-amateur (competitive/professional) basis is excluded from the common exclusions.

Clause 3.3.4.6Page 25

Section: 3.3.4.6. Exclusions spécifiques

les équipements de sports d'hiver ;

Excluded

Adventure/extreme sports cover

Excluded

The common exclusions exclude damage suffered while practising bobsleigh, mountaineering ('alpinisme') or rock climbing ('varappe'), as well as participation as a competitor in any sporting competition, speed/endurance events, or non-amateur snow/ice sports.

Page 38

Section: 4. Exclusions communes à toutes les garanties

des dommages que vous avez causés ou subis lorsque vous pratiquez les sports suivants : bobsleigh, alpinisme ou varappe ;

Pregnancy complications

No limit stated

Pregnancy-related events (unforeseeable complication, miscarriage, medical contra-indication) are addressed only as trigger events for the trip-cancellation guarantee (a different subtype), not as a medical-expenses benefit; no travel_medical field found.

Clause 3.3.1.6Page 19

Section: 3.3.1.6. Événements fortuits garantis

une complication nette et imprévisible de votre grossesse, une fausse couche ou une interruption thérapeutique de grossesse et ses suites ;

Conditional

Private-life third-party liability abroad

€4.5M

Covers financial consequences of the insured's private-life civil liability for bodily, material or immaterial damage caused to third parties abroad. Ceiling of 4,500,000 € per insured for all damages combined (450,000 € for material and consequential immaterial damage), 150 € deductible per claim; only included in Formule 3.

Clause 3.3.10.3Page 36

Section: 3.3.10. Assurance responsabilité civile vie privée à l'étranger > 3.3.10.3. Plafonds et modalités

Tous dommages confondus 4 500 000 € par assuré 150 € par assuré

Covered

Legal assistance abroad

€3K

AXA Assistance covers lawyer fees abroad up to 3,000 € per insured in case of unintentional legal proceedings; a separate, repayable criminal bail advance of up to 15,000 € per insured may also be provided.

Page 2

Section: Synthèse des garanties > Garanties d'assistance > Assistance au voyageur pendant le voyage

15 Avance de caution pénale à l'étranger 15 000 € 15 Frais d'avocat à l'étranger 3 000 €

Covered

24/7 assistance hotline

Covered

Insured travelers can contact AXA Assistance 24 hours a day, 7 days a week by phone for assistance and medical teleconsultation via the free 'Doctor Please!' app.

Clause 2.6.1Page 6

Section: 2.6. Qui dois-je contacter en cas de sinistre ? > 2.6.1. Pour les garanties d'assistance

+33 (0)1 55 92 22 44, option 1 (24 heures /24 et 7 jours /7)

Key conditions

Assistance call deadline

For assistance guarantees, the insured must contact AXA Assistance immediately by phone (+33 (0)1 55 92 22 44, option 1, 24/7); only assistance services advanced with AXA Assistance's prior agreement can be reimbursed.

Unauthorized treatment

Organizing services without AXA Assistance's prior agreement gives no right to reimbursement.

Purchase while abroad

The contract must be subscribed before departure; per AXA Assistance's own FAQ for this product, subscription is not possible once already travelling and the contract must imperatively be taken out before departure.

Chronic conditions

Chronic or pre-existing illnesses diagnosed/treated or requiring a medical consultation or hospitalization within the 6 months preceding the assistance request are excluded, unless there is a clear, unforeseeable complication or worsening.

Pregnancy

Pregnancy is addressed only as a trigger event for the trip-cancellation guarantee (unforeseeable complication, miscarriage, medical contra-indication); it is not treated as a distinct medical-expenses benefit under this product.

Pre-existing condition exclusions

Pre-existing illnesses or injuries diagnosed and/or treated, having led to a medical consultation or hospitalization within the 6 months before the assistance request, are excluded, unless there is a clear and unforeseeable complication or worsening.

Coverage duration limit

Guarantees apply to private trips of a maximum duration of 90 consecutive days in France and abroad.

Direct payment

In case of hospitalization abroad, AXA Assistance can advance the hospitalization costs directly on behalf of the insured (cashless), up to the medical expenses ceiling, in exchange for a bank card imprint or a security deposit; the insured has 30 days (60 days for this specific advance) to reimburse if not otherwise debited.

Territorial scope

Guarantees apply within the selected destination zone, except for countries advised against by the French Ministry of Foreign Affairs or the WHO, countries under international embargo/sanctions, and (for the death/invalidity capital and third-party liability guarantees) Belarus, Russia, Donetsk/Luhansk regions of Ukraine, Cuba, Crimea and Sevastopol, Iran, North Korea, Syria and Venezuela.

Documents

Voyageo Court Séjour - General Terms and Conditions (October 2022) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Medical expenses coverage

Medical expenses abroad covered up to 500,000€ (varies by formula and zone)

Source

Section: Que couvre l'assurance voyage court séjour d'AXA ? > 🏥 Soins médicaux d'urgence

Frais médicaux d'urgence à l'étranger Jusqu'à 500 000 € franchise 75 €

Baggage insurance

Coverage for lost, stolen, damaged or delayed baggage up to 2,000€

Source

Section: Que couvre l'assurance voyage court séjour d'AXA ? > 🧳 Bagages

Perte, vol ou détérioration 1 000 € par assuré franchise 50 € 2 000 € par assuré franchise 50 €

Trip cancellation insurance

Reimbursement of cancellation costs if forced to cancel trip, up to 8,000€

Source

Section: Que couvre l'assurance voyage court séjour d'AXA ? > 🎟️ Annulation

Frais d'annulation 3 000 € par assuré franchise applicable selon motif Jusqu'à 8 000 € par assuré franchise applicable selon motif

Repatriation and evacuation

Emergency evacuation and repatriation costs covered (actual cost basis)

Source

Section: Que couvre l'assurance voyage court séjour d'AXA ? > 🚑 Assistance médicale & rapatriement

Rapatriement médical Frais réels

Early return coverage

Return costs covered in case of death or hospitalization of family member or home damage

SourceClause 3.2.7Page 16

Section: 3.2.7. Assistance en cas de sinistre au domicile

Si votre domicile est inhabitable à votre retour de voyage suite à un dégât des eaux, un incendie ou un cambriolage qui cause des dommages graves, nous organisons et prenons en charge votre hébergement à l'hôtel

Maximum stay duration

Coverage applies to private stays in France and abroad with maximum duration of 90 consecutive days

SourceClause 2.1Page 5

Section: 2.1. Présentation de votre contrat

Les garanties du contrat Voyageo s'appliquent aux séjours privés en France et à l'étranger d'une durée maximale de quatre-vingt-dix (90) jours consécutifs.

Destination zones

Coverage varies by selected destination zone: France, Europe/Mediterranean, or Worldwide

SourceClause 2.3Page 5

Section: 2.3. Où suis-je couvert ? > Zone de destination

la zone F : désigne la France métropolitaine et les Principautés d'Andorre et de Monaco ;

Subscription timing requirement

Contract must be subscribed before departure from metropolitan France; subscription from abroad not permitted

Source

Section: FAQ – Questions fréquentes sur l'assurance voyage de moins de 3 mois > Puis-je prolonger mon contrat d’assurance Voyageo court Séjour si je décide de prolonger mes vacances ?

Cependant, il reste important de noter que pour etre valable, toute souscription doit se faire depuis la France métropolitaine.

Coverage formula options

Three formulas available with progressive coverage levels; formula selection determines which guarantees are included

Source

Section: Quels sont les points forts de l'offre Voyageo Court Séjour ?

Trois formules adaptées : choisissez celle qui correspond à votre budget et à vos attentes

Assistance service provider

Insurance underwritten by INTER PARTNER ASSISTANCE (AXA Partners), a Belgian insurance company with French branch

SourceClause 2.1Page 5

Section: 2.1. Présentation de votre contrat

Le présent contrat d'assurance et d'assistance Voyageo est assuré par INTER PARTNER ASSISTANCE, société anonyme de droit belge au capital de 130 702 613 Euros, soumise en qualité d'entreprise d'assurance de droit belge au contrôle prudentiel de la Banque Nationale de Belgique

Pre-existing conditions

Medical conditions known before purchase are generally excluded from coverage

SourcePage 38

Section: 4. Exclusions communes à toutes les garanties

toutes circonstances dont vous aviez connaissance avant votre inscription au voyage ou la souscription de votre contrat d'assurance, pour lesquelles vous pouviez raisonnablement vous attendre à déclarer un sinistre ;

Sources

AXA Travel insurance

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