Europ Assistance SA / Europ Assistance France

Assistance call deadline

You must call Europ Assistance immediately at 01 41 85 85 85 (+33 1 41 85 85 85 from abroad) and obtain prior agreement before taking any initiative or incurring any expense.

Unauthorized treatment

Expenses incurred without Europ Assistance's prior agreement, or not expressly provided for in the General Conditions, are excluded from reimbursement.

Purchase while abroad

You may subscribe even if your trip has already started, but a 3-day waiting period then applies from the day after subscription; claims arising within those 3 days are not covered.

Chronic conditions

Pre-existing health conditions or illnesses diagnosed or treated with continuous, day, or outpatient hospitalization within the 6 months preceding any assistance request are excluded, whether newly manifesting or worsening.

Pregnancy

Pregnancy complications may justify trip cancellation if supported by a prenatal exam report and sick leave certificate; however, requests related to medically-assisted reproduction or voluntary termination of pregnancy are excluded from assistance cover.

Pre-existing condition exclusions

Health conditions, illnesses or injuries diagnosed or treated with hospitalization (continuous, day, or outpatient) within 6 months before the assistance request are not covered, whether as a new occurrence or an aggravation.

Coverage duration limit

The annual contract covers an unlimited number of trips over 12 months, but each individual trip abroad is covered for a maximum of 90 consecutive days; travel within France may be for leisure or professional purposes without this limit.

Trip cancellation

Coverage for travel cancellation with all justified causes; includes protection for natural disasters and terrorist attacks

Medical expenses abroad

Coverage for medical, surgical, pharmaceutical and hospitalization expenses incurred abroad; up to 1,000,000 EUR outside Europe; up to 160,000 EUR in Europe

Baggage and personal effects

Optional coverage for loss, theft or accidental damage to baggage; maximum 3,000 EUR per insured; precious objects limited to 50% of coverage limit

Civil liability abroad

Coverage for personal civil liability claims arising from bodily injury or material damage caused to third parties abroad; up to 4,000,000 EUR

Personal accident coverage

Optional coverage for accidental bodily injury resulting in death, permanent disability or temporary incapacity

Early return assistance

Coverage for emergency repatriation or early return for medical reasons, death of family member, home emergency, or natural disaster/terrorist attack at destination

Trip interruption

Optional coverage for unused accommodation and meal expenses if trip must be interrupted

Waiting period (carve-out)

3-day waiting period applies if covered trip has already started at time of subscription

Pre-existing conditions exclusion

Medical conditions diagnosed or treated within 6 months prior to departure are excluded

Coverage zones

Coverage available in three zones: Zone 1 (France), Zone 2 (Europe and Mediterranean countries), Zone 3 (Worldwide except excluded countries)

Trip duration limit

Annual contract covers multiple trips of maximum 90 consecutive days each; domestic travel can be professional, foreign travel must be leisure only

Prior approval requirement

Insured must obtain prior approval from insurer before taking any action or incurring expenses to receive reimbursement

Payment frequency options

Premium can be paid annually in advance or split by automatic bank transfer (monthly, quarterly, or annually)

Automatic renewal

Contract automatically renews year-to-year if premium paid by automatic bank transfer unless either party terminates