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| Feature / category | AXA May 11, 2026 Open details | Europ Assistance May 12, 2026 Open details | Groupama May 12, 2026 Open details |
|---|---|---|---|
| Overview | |||
Insurer | AXA France (AXA France Vie S.A. / AXA France IARD S.A.) | Europ Assistance S.A. | Groupama Assurances Mutuelles |
Online purchase | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes |
Starting price | €11 | €3 | — |
Billing basis | per_trip | annual | per_trip |
Unique selling points |
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IPID | Not available | IPID | Not available |
Terms & conditions | |||
| Coverage | |||
Medical expenses | €500,000 – €1,000,000 | €160,000 – €1,000,000 | €30,000 – €150,000 |
Medical transport | Covered | Covered | Covered |
COVID-19 treatment | COVID-19 treatment abroad is not explicitly named as a covered or excluded peril in the policy. It may be covered under the general medical expenses guarantee if it constitutes a sudden and unforeseeable illness (atteinte corporelle) occurring abroad. However, epidemics and infectious risks are listed as common exclusions to all guarantees (Chapter 4), and travel to countries with Ministry of Foreign Affairs warnings is excluded. Coverage is therefore conditional and fact-specific. | Covid-19 is treated as a standard sudden illness under the medical expenses guarantee. Medical costs and hospitalisation for Covid-19 contracted abroad are covered at the same limits as any other illness (Zone 2: 160,000 €; Zone 3: 1,000,000 €). Coverage requires the insured to have complied with official French government travel recommendations. Consequences of quarantine measures ordered by a competent authority are excluded. In the event of severe Covid leading to a Maladie Grave, trip cancellation and early return benefits also apply. | Excluded |
Personal liability | Personal civil liability abroad (Responsabilité Civile Vie Privée à l'Etranger) is available ONLY in Formula 3. Covers financial consequences of civil liability for bodily, material or immaterial damages caused to third parties during private life activities abroad. Total limit: €4,500,000 per insured; bodily and consequential immaterial damages: €4,500,000 per insured; material and consequential immaterial damages: €450,000 per insured; deductible: €150 per insured. Legal defense and recourse: €20,000 per dispute, threshold €380. Subsidiary to any other RC insurance held. Excludes Belarus, Cuba, Crimea & Sevastopol, Iran, North Korea, Syria, Venezuela. | Optional | €4,500,000 |
Emergency dental | €150 – €400 | €160 | €150 |
Search & rescue | €10,000 | €15,300 | Covered |
Legal assistance | €3,000 | Optional | Covered |
Emergency medical treatment | €500,000 – €1,000,000 | €160,000 – €1,000,000 | €30,000 – €150,000 |
Hospitalization | €500,000 – €1,000,000 | €160,000 – €1,000,000 | Hospitalization costs are covered when the insured is deemed non-transportable by the Mutuaide Assistance medical team. Covered within the overall medical expenses ceiling (Zone 1: 30,000 EUR; Zone 2: 150,000 EUR, both with 50 EUR deductible). An advance on hospitalization costs can also be provided pending reimbursement from primary insurer. Coverage ceases from the day repatriation becomes medically feasible. |
Outpatient treatment | €500,000 – €1,000,000 | €160,000 – €1,000,000 | €30,000 – €150,000 |
Medical evacuation | Covered | Covered | Covered |
Repatriation of remains | Covered | Covered | Covered |
Pre existing conditions | Excluded | Excluded | Excluded |
Winter sports cover | Excluded | Optional | €1,500 |
Adventure sports cover | Excluded | Excluded | Excluded |
Pregnancy complications | Pregnancy complications are addressed only in the context of the trip cancellation guarantee (Formulas 2 and 3): a clear and unforeseeable complication of pregnancy, miscarriage or therapeutic termination and its consequences are covered as cancellation events. A pregnancy leading to a medical contraindication to travel is also a covered cancellation event. General medical assistance coverage for pregnancy complications abroad is conditional: sudden, unforeseeable health deterioration may be covered, but pre-planned treatment and travel undertaken for diagnostic/treatment purposes are excluded. | Incidents related to a known pregnancy risk before departure and their consequences (including childbirth) are excluded. Incidents related to pregnancy occurring from the 36th week of amenorrhoea onwards and their consequences (including childbirth) are excluded in all cases. Voluntary terminations of pregnancy and their consequences are excluded. Requests relating to medically-assisted procreation or surrogacy are also excluded. Emergency care for unexpected pregnancy complications before the 36th week may be covered under the general medical expenses guarantee. | Pregnancy is excluded except in the case of unforeseeable complications. Pregnancy beyond 36 weeks is excluded in all cases. Voluntary termination of pregnancy and post-delivery consequences are also excluded (Article 8). Unforeseeable and sudden pregnancy complications before 36 weeks may be covered under the general illness clause. |
| Key conditions | |||
Assistance call deadline | In case of hospitalization, AXA Assistance must be notified within 24 hours of the date indicated on the hospitalization certificate, except in cases of force majeure. For all assistance guarantees, AXA Assistance must be contacted immediately by phone (+33 (0)9 75 18 02 96, option 1) before any organization of means — any assistance organized without prior agreement from AXA Assistance will not be reimbursed. | The insured must call Europ Assistance (01 41 85 85 85 / +33 1 41 85 85 85 from abroad) before undertaking any significant expenditure or making any decision on medical care, hospitalisation or repatriation. Any expense incurred without prior agreement from Europ Assistance is generally not reimbursed. For emergencies, the insured should first contact local emergency services (SAMU, pompiers) and then notify Europ Assistance as soon as possible. A claims declaration must be filed within 5 working days (2 working days for baggage theft) of becoming aware of the loss event. | The insured must contact Mutuaide Assistance by telephone at the time of the event. Only this call triggers assistance services. For search and rescue claims, Mutuaide must be informed within 3 days of the intervention (except force majeure). For on-piste ski rescue, notification must be made before the end of the ski resort stay or within 48 hours of the intervention. |
Purchase while abroad | The contract must be subscribed before departure. Subscription after departure is not possible. AXA Assistance is only available to policyholders who have purchased the contract from metropolitan France before the start of travel. The coverage for assistance guarantees takes effect when the insured leaves their home (within a limit of 48 hours before the departure date) and at the earliest the day after noon of premium payment. | The Évasio annuel contract may be subscribed online at any time; however, a 3-day waiting period (délai de carence) applies if subscribed after the start of the trip. To benefit from the travel cancellation guarantee, the insurance must be subscribed on the day of the trip purchase. There is no specific prohibition on purchasing while already abroad for the assistance components, but the event must have been uncertain at the time of subscription and departure. | The contract must be subscribed before the departure date. However, it may be subscribed from the place of stay only if it supplements an existing personal insurance (e.g. bank card insurance) and is taken out immediately following and without interruption from the previous personal contract in force. |
Chronic conditions | Chronic diseases (affections whose evolution is ongoing and requiring regular monitoring and/or treatment) are not explicitly covered. They are subject to general pre-existing condition exclusions: if a chronic disease has been the subject of a medical consultation or hospitalization in the 6 months before the assistance request, it is excluded unless there is a clear and unforeseeable complication or aggravation. Recurrence follow-up after a previous repatriation is also excluded. | Chronic or pre-existing conditions that resulted in continuous hospitalisation, day hospitalisation, or outpatient hospitalisation in the 6 months preceding any assistance request are excluded. This exclusion applies whether the event constitutes a manifestation or an aggravation of the pre-existing state. Medical expenses for conditions that were diagnosed and treated before the departure are therefore not covered. | Chronic diseases or ongoing conditions that are not yet stabilized and carry a risk of sudden worsening (convalescences) are excluded. Diseases that led to hospitalization within the 6 months prior to departure are explicitly excluded. Only sudden and unforeseeable health alterations are considered insurable events. |
Pregnancy | Pregnancy complications (clear and unforeseeable complications, miscarriage, therapeutic termination) are covered as trip cancellation events (Formulas 2 and 3 only). A pregnancy causing a medical contraindication to travel is also a covered cancellation event. For medical assistance abroad, sudden and unforeseeable pregnancy complications may be covered, but travel undertaken for diagnostic or treatment purposes, and scheduled follow-up care, are excluded. | Incidents related to a known pregnancy risk before departure are excluded. Incidents related to pregnancy from the 36th week of amenorrhoea onwards are excluded in all cases, including childbirth. Voluntary terminations of pregnancy and their consequences are excluded. Medically-assisted procreation and surrogacy are also excluded. Unexpected complications of pregnancy before the 36th week may be covered under the general medical expenses guarantee as a sudden and unforeseeable illness. | Pregnancy is excluded as a covered event, except in the case of unforeseeable complications. In all cases, pregnancy beyond 36 weeks is excluded. Voluntary termination of pregnancy and consequences of childbirth are also excluded. |
Unauthorized treatment | Any expenses incurred without prior agreement from AXA Assistance (materialized by a file number) will not be reimbursed. In addition, any refusal of the medical solution proposed by AXA Assistance's medical team results in immediate loss (déchéance) of all medical assistance guarantees. | Any expense engaged without prior agreement from Europ Assistance gives rise to no reimbursement or subsequent coverage. If Europ Assistance triggers an intervention due to insufficient or erroneous information provided by the insured or subscriber, the intervention costs incurred will be re-invoiced to the subscriber. | Any expense incurred without prior agreement from Mutuaide Assistance will not be reimbursed. The insured must obtain prior approval before incurring any medical costs. Exception applies in genuine emergency situations, where contact must be established as soon as possible. Refusal of the medical solution proposed by Mutuaide's medical team cancels the entire personal assistance guarantee. |
Pre existing conditions | Pre-existing conditions are generally excluded from medical assistance. Specifically, diseases or injuries pre-existing, diagnosed and/or treated and having been subject to a medical consultation or hospitalization in the 6 months prior to the assistance request date are excluded, unless there is a clear and unforeseeable complication or aggravation. The insured must declare all known medical conditions. Convalescences and ongoing treatment not yet consolidated are also excluded. | Pre-existing medical conditions that resulted in hospitalisation (continuous, day, or outpatient) in the 6 months preceding the assistance request are expressly excluded. No coverage is available for manifestation or aggravation of a pre-existing state. Europ Assistance intervenes only on condition that the event that triggers the assistance remained uncertain at the time of subscription and at the time of departure. | Pre-existing conditions that resulted in hospitalization within the 6 months preceding the departure date are excluded. Conditions under active treatment that are not yet stabilized (presenting a risk of sudden worsening) are also excluded. Events related to medical treatment or surgical intervention that are not unforeseeable, fortuitous, or accidental are excluded. |
Coverage duration limit | The stay covered by the contract may not exceed ninety (90) consecutive days. Coverage for assistance guarantees begins when the insured leaves their home (within 48 hours before the departure date indicated in the Special Conditions) and ends when the insured has rejoined their home, at the latest 48 hours after the return date indicated in the Special Conditions. Coverage ceases automatically at the date of repatriation for medical expenses. | Each guaranteed trip abroad is limited to a maximum duration of 90 consecutive days. The annual contract covers all private trips abroad of less than 90 consecutive days during a 12-month period. In France, both leisure and professional trips are covered without a specific duration limit within the annual contract period. Extended stays abroad exceeding 90 days require a separate long-stay or expatriation insurance product (e.g., Évasio PVT & Grand Voyage covering up to 12 months). | Membership is limited to a maximum of 12 consecutive months. Renewal is only accepted immediately following and without interruption from the previous contract, but the total combined duration (initial membership plus renewal) may not exceed 12 consecutive months. |
| Proof and next steps | |||
Direct payment policy | AXA Assistance can directly advance hospitalization costs on request. For other covered medical expenses, reimbursement is made after submission of original invoices and proof of rejection by primary social security/health fund. Prior agreement from AXA Assistance (materialized by a file number) is required before any reimbursement; expenses incurred without prior agreement will not be reimbursed. | Europ Assistance organises and directly covers medical costs and hospitalisation; for stays in the USA, no advance of funds is required when hospitalised overnight. For other medical expenses under 500 €, the insured may advance costs and claim reimbursement afterwards. Prior agreement from Europ Assistance is required before incurring any significant expense; costs engaged without prior agreement are generally not reimbursed. | Direct payment (advance) of hospitalization costs is possible outside the country of domicile, subject to prior authorization by Mutuaide Assistance medical team and a formal commitment from the insured to reimburse amounts later recovered from health insurance bodies. Repatriation and medical transport costs are paid directly (frais réels). Standard medical expense reimbursement is made after primary insurer reimbursement, upon submission of original invoices. |
Last verified | May 11, 2026 | May 12, 2026 | May 12, 2026 |