Europ Assistance

Assistance call deadline

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.

Unauthorized treatment

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.

Purchase while abroad

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.

Chronic conditions

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.

Pregnancy

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.

pre_existing_conditions

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.

coverage_duration_limit

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).

Medical repatriation

Coverage for emergency medical repatriation to France by air ambulance or standard transport when medically necessary

Emergency medical expenses

Coverage for emergency medical and hospital costs incurred abroad due to sudden illness or accident

Trip cancellation

Reimbursement of prepaid trip costs if cancellation occurs due to covered reasons such as serious illness, death of a family member, or job loss

Baggage coverage

Protection against loss, theft, or damage to personal baggage and effects during travel

Geographic coverage zones

Coverage varies by selected zone: Zone 1 (France only), Zone 2 (Europe and Mediterranean), Zone 3 (Worldwide)

Emergency assistance coordination

Requirement to contact Europ Assistance emergency number (01 41 85 85 85) before seeking non-emergency medical care to obtain authorization and file claims

Excluded countries and regions

No coverage for trips to countries with civil or foreign war, political instability, terrorism, natural disasters, or travel restrictions

High-risk sports exclusion

Extreme sports such as base jumping, mountaineering over 4000m, and professional sports are excluded or require special coverage

Travel duration limits

Maximum consecutive trip duration typically limited to 3-6 months depending on policy type; annual policies allow multiple trips within 12-month period