AXA France (AXA France Vie S.A. / AXA France IARD S.A.)
AXA
AXA is a travel insurance for the France market with online purchase and 24/7 assistance.
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.
Geographic scope
Coverage zone selected at subscription: Zone F (Metropolitan France, Andorra, Monaco), Zone E (Europe and Mediterranean Basin), Zone R (worldwide excluding USA/Canada), or Zone M (worldwide including USA/Canada).
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.
Starting price
€18
Indicative — pricing assumptions not stated
Unique selling points
- Medical expense coverage abroad up to 1,000,000 € under the top formula, well above many entry-level travel policies, including a cashless hospitalization advance.
- 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
Medical expenses abroad
€500,000 – €1,000,000
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).
Emergency medical treatment
€500,000 – €1,000,000
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).
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.
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.
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).
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.
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.
Repatriation of mortal remains
€2,300
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.
Search and rescue costs
€10,000
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.
COVID-19 / epidemic treatment
Excluded
The general exclusions applicable to all guarantees exclude epidemics and any infectious or chemical risk.
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.
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.
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.
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.
Private-life third-party liability abroad
€4,500,000
Only in Formule 3
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.
Legal assistance abroad
€15,000
In case of unintentional legal proceedings abroad, AXA Assistance advances the criminal bail up to 15,000 € per insured and covers lawyer fees up to 3,000 € per insured.
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.
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.
Documents
Voyageo Court Séjour - General Terms and Conditions (October 2022)
Terms & conditions
Policy specifics
Medical expenses coverage
Medical expenses abroad covered up to 500,000€ (varies by formula and zone)
SourceTrip cancellation insurance
Reimbursement of cancellation costs if forced to cancel trip, up to 8,000€
SourceRepatriation and evacuation
Emergency evacuation and repatriation costs covered (actual cost basis)
SourceEarly return coverage
Return costs covered in case of death or hospitalization of family member or home damage
SourceMaximum stay duration
Coverage applies to private stays in France and abroad with maximum duration of 90 consecutive days
SourceDestination zones
Coverage varies by selected destination zone: France, Europe/Mediterranean, or Worldwide
SourceSubscription timing requirement
Contract must be subscribed before departure from metropolitan France; subscription from abroad not permitted
SourceCoverage formula options
Three formulas available with progressive coverage levels; formula selection determines which guarantees are included
SourceAssistance service provider
Insurance underwritten by INTER PARTNER ASSISTANCE (AXA Partners), a Belgian insurance company with French branch
SourcePre-existing conditions
Medical conditions known before purchase are generally excluded from coverage
Source