Luko by Allianz Direct Travel insurance (Assurance Multi Voyages Annuelle)
Underwritten by Allianz Direct Versicherungs-AG · France
travel insurance from Luko by Allianz Direct for the France market, with online purchase and 24/7 assistance.
Last verified Aug 29, 2026Sources
Key facts
- Personal liability up to €4,500,000
Unique selling points
Includes a rental-car excess buy-back guarantee ('Garantie Rachat de Franchise') by default, reimbursing the deductible charged for damage or theft of your rental vehicle.
300,000 € emergency medical expenses cover abroad with no deductible.
Trip cancellation cover up to 8,000 € per person is bundled in by default, whereas it is a paid option on single-trip plans.
Up to 10 free teleconsultations per insured with French-speaking doctors, available 24/7.
Backed by over 70 years of expertise in medical repatriation and travel assistance.
Coverage limits
Emergency medical expenses abroad
€300K
Reimbursement of emergency medical expenses abroad up to 300,000 € per insured, including a 300 € sub-limit for emergency dental care
Section: Qu'est-ce qui est assuré ? > Frais médicaux d'urgence à l'étranger
Remboursement des frais médicaux d’urgence à l’étranger (plafond : 300 000 €, dont 300 € pour frais de soins dentaires)
Emergency medical treatment abroad
€300K
Core included benefit; emergency medical treatment abroad covered up to 300,000 € per insured
Section: Qu'est-ce qui est assuré ? > Frais médicaux d'urgence à l'étranger
Remboursement des frais médicaux d’urgence à l’étranger (plafond : 300 000 €, dont 300 € pour frais de soins dentaires)
Outpatient treatment
Not established from the reviewed documents
Emergency dental care
€300
Sub-limit of 300 € within the 300,000 € emergency medical expenses guarantee, for emergency dental care
Section: Qu'est-ce qui est assuré ? > Frais médicaux d'urgence à l'étranger
Remboursement des frais médicaux d’urgence à l’étranger (plafond : 300 000 €, dont 300 € pour frais de soins dentaires)
Medical transport / bedside visit / dependents' return
Covered
Included medical assistance covering bedside visit transport and return of dependents; no monetary cap stated in the IPID
Section: Qu'est-ce qui est assuré ? > Assistance médicale
Transport au chevet Retour des personnes à charge
Emergency evacuation and medical repatriation
Covered
Emergency evacuation and/or medical repatriation included as a systematic guarantee; no monetary cap stated in the IPID
Section: Qu'est-ce qui est assuré ? > Assistance médicale
Evacuation d’urgence et/ou rapatriement sanitaire
Assistance in case of death
Covered
Assistance in case of death is included as a systematic guarantee; no separate monetary cap stated
Section: Qu'est-ce qui est assuré ? > Assistance médicale
Assistance en cas de décès
Search and rescue
€10K
Search and rescue costs covered up to 10,000 € per insured
Section: Qu'est-ce qui est assuré ? > Assistance médicale
Recherche et secours (plafond : 10 000 € par assuré)
COVID-19 / epidemic and pandemic consequences
Not established from the reviewed documents
Coverage for COVID-19-related medical treatment costs is not confirmed by the reviewed documents; the only available source addresses the trip-extension benefit in case of quarantine, not treatment costs
Section: Prolongation de séjour > Dans quelles circonstances solliciter la garantie prolongation de séjour ?
Si vous êtes mis en quarantaire, pendant votre séjour, suite à une exposition ou suspicion d'exposition à une épidémie/pandémie (dont Covid-19), impactant votre retour aux dates et heures initialement prévues.
Pre-existing conditions
Not established from the reviewed documents
Sports guarantee (winter sports practice)
Covered
The 'Garantie Sport' is included automatically in the annual Multi-Voyages contract, allowing sports practice (including winter sports) without needing to add an option; no specific monetary cap for medical costs tied to sport is stated beyond the general medical expenses guarantee
Section: Garantie Sport & Loisirs : comment ça marche ? > Dans quels contrats trouver cette garantie ?
Cette garantie est incluse systématiquement dans notre assurance multi-voyages (annuelle).Elle peut être ajoutée dans nos assurances vacances multirisque et annulation voyage pour une protection complète.
Sports equipment damage / missed activity
€500
Included via the 'Garantie Sport' bundled in the annual plan: reimbursement of costs for a missed prepaid activity up to 500 €, and repair/replacement of lost, damaged or stolen sports equipment up to 500 €
Section: Sport & loisirs > Que couvre la garantie Sport ?
Activité manquée - Vous ne pouvez pas participer au cours de votre voyage à une activité prépayée. Remboursement des frais engagés restant à votre charge 500 € Dommages à votre équipement sportif - Votre matériel de sport est perdu, endommagé ou volé au cours de votre voyage. Remboursement du coût de réparation ou du coût de remplacement 500 €
Pregnancy complications
Not established from the reviewed documents
Personal liability abroad
€4.5M
All combined bodily, material and consequential immaterial damages covered up to 4,500,000 €, including a 450,000 € sub-limit for material and consequential immaterial damages
Section: Qu'est-ce qui est assuré ? > Responsabilité civile
Tout dommage confondu corporels, matériels et immatériels consécutifs (plafond : 4 500 000 € dont 450 000 € pour dommages matériels et immatériels consécutifs)
Legal assistance
Not established from the reviewed documents
Key conditions
Assistance call deadline
Expenses incurred without prior agreement from the insurer's assistance service are not covered; treatment costs not resulting from a medical emergency are excluded
Unauthorized treatment
Claims for costs incurred without prior approval from the assistance service will not be reimbursed
Purchase while abroad
The policyholder must have their primary residence in France (including Corsica and French overseas territories, or Monaco); the policy can be purchased up to the day before departure
Chronic conditions
Not explicitly named; treatment costs not resulting from a medical emergency are excluded, which may affect ongoing chronic care
Coverage duration limit
Each trip must be less than 61 consecutive days; trips exceeding 60 consecutive days are excluded, though the annual contract itself covers an unlimited number of such trips over 12 months
Territorial scope
Covers the country/countries of stay stated in the Special Conditions, excluding countries on the insurer's non-covered list (published at paysexclus.votreassistance.fr)
Documents
Policy specifics
Flight cancellation coverage
Reimbursement of travel expenses (flights, hotels, activities) up to 8,000 EUR per person in case of cancellation for legitimate reasons
SourceRemboursement jusqu'à 8 000 € par personne (franchise de 5% du montant des frais d’annulation), en cas d'incapacité à voyager suite à un imprévu (maladie, décès, dommages graves au domicile, licenciement économique, refus de visa, vol des papiers d'identité, contre-indication vaccination ou tout autre évènement couvert).
Emergency medical expenses abroad
Coverage for emergency medical costs abroad up to 300,000 EUR without deductible
SourceSection: Assurance Annuelle Multi-Voyages > Frais médicaux / Téléconsultation
Frais médicaux d'urgence à l'étranger jusqu'à 300 000 € sans franchise ; Téléconsultation 24h/24 avec un médecin parlant français au +33 1 49 93 80 32
Baggage loss and delay coverage
Reimbursement for lost, stolen or delayed baggage; essential necessities reimbursement if baggage is delayed
SourceIndemnisation jusqu'à 3000 € par personne en cas de vol, perte ou détérioration pendant toute la durée du séjour.
Maximum trip duration
Each private trip covered must not exceed 60 consecutive days; trips of more than 60 consecutive days are excluded. The annual contract itself covers an unlimited number of such trips during the 12-month period.
SourcePage 1Section: Qu'est-ce qui n'est pas assuré ?
Les voyages de plus de 60 jours consécutifs
Residency requirement
Contract must be purchased by someone with primary residence in France
SourceSection: Qui est couvert : assurance voyage famille, couple ou solo ?
Seule condition, avoir votre résidence en France (y compris Corse, Guadeloupe, Guyane, Martinique, Mayotte, Réunion, Saint-Barthélemy, Saint-Martin (partie française) ou Monaco.
Subscription deadline
There is no deadline to subscribe to the annual Multi-Voyages contract; you choose the start date when purchasing. However, only trips booked within the 48 hours before the chosen start date, and those booked during the year of cover, qualify for the Cancellation guarantee.
SourceSection: Quand souscrire mon assurance vacances annuelle ?
Il n'y a pas de délai. Vous décidez de la date d'effet lors de la souscription du contrat. Néanmoins, seuls les voyages achetés dans les 48 heures avant la date de début de contrat que vous choisirez et ceux achetés pendant l'année de couverture pourront bénéficier de la garantie Annulation.
Sources
- fr.luko.euhttps://www.fr.luko.eu/aide/voyage/garanties-assurance/(opens in a new tab)
- fr.luko.euhttps://www.fr.luko.eu/assurance-voyage/assurance-annuelle/(opens in a new tab)
- fr.luko.euhttps://www.fr.luko.eu/assurance-voyage/assurance-sport-loisirs/(opens in a new tab)
- fr.luko.euhttps://www.fr.luko.eu/assurance-voyage/assurance-vacances/(opens in a new tab)
- fr.luko.euhttps://www.fr.luko.eu/dam/documents/travel/IPID-ANNUAL-507332.pdf#page=1(opens in a new tab)
Luko by Allianz Direct Travel insurance