MAIF Travel insurance (Habitation Travel Assistance)
Underwritten by MAIF · France
travel insurance from MAIF for the France market, with online purchase and 24/7 assistance.
Verified Aug 29, 2026 · Terms dated 2025-01Sources
Key facts
- Personal liability up to €100,000,000
Unique selling points
Travel medical assistance is automatically included at no extra cost in every MAIF home insurance policy, removing the need for a separate travel policy for trips up to one year.
Medical and hospitalization expenses abroad are reimbursed up to €80,000 per insured person, on top of social security.
MAIF Assistance operates a hotline reachable 24/7 from France and abroad, including an SMS line for hearing-impaired beneficiaries, to organize emergency care and repatriation.
Search and rescue costs for missing persons are reimbursed up to €7,700, even when no accident has actually occurred.
Mountain rescue costs abroad are covered whether or not the activity is linked to skiing, excluding competitive sport.
Coverage limits
Medical expenses abroad
€80K
Medical and hospitalization expenses incurred abroad are reimbursed up to €80,000 per beneficiary, in addition to social security reimbursements, provided the beneficiary is covered by a health insurance scheme. This guarantee is embedded in the home insurance 'assistance en cas de déplacement' cover and is not sold as a standalone travel policy.
Section: 10 – L'assistance > 10.2.3 – Quelle est l'intervention de MAIF ?
Prise en charge des frais médicaux et d'hospitalisation engagés sur place à concurrence de 80 000 € par bénéficiaire, sous réserve que le bénéficiaire ait la qualité d'assuré auprès d'un organisme d'assurance-maladie.
Emergency medical treatment abroad
€80K
Emergency care abroad is covered under the same €80,000 per-beneficiary cap as medical expenses; care must be prescribed in agreement with MAIF Assistance doctors.
Section: 10 – L'assistance > 10.2.3 – Quelle est l'intervention de MAIF ?
Les soins devront avoir été prescrits en accord avec les médecins de MAIF Assistance et seront limités à la période pendant laquelle ils jugeront le patient intransportable.
Hospitalization abroad
€80K
Hospitalization costs abroad are included within the overall €80,000 per-beneficiary cap for medical and hospitalization expenses, limited to the period during which MAIF Assistance doctors deem the patient non-transportable.
Section: 10 – L'assistance > 10.2.3 – Quelle est l'intervention de MAIF ?
Prise en charge des frais médicaux et d'hospitalisation engagés sur place à concurrence de 80 000 € par bénéficiaire.
Outpatient treatment
No limit stated
No distinct outpatient-treatment sub-limit is disclosed separately from the general medical expenses guarantee.
Emergency dental care abroad
No limit stated
Dental prosthesis reimbursement is provided only under the domestic bodily-accident guarantee, not specifically as an emergency dental benefit within the travel assistance guarantee.
Section: 5 – La protection de vos enfants scolarisés en F1, F2 et F3 > Modalités de remboursement des prothèses dentaires et auditives
des prothèses dentaires et auditives, selon les modalités particulières indiquées ci-après
Medical transport
Covered
MAIF Assistance organizes and pays for the sanitary transport of the injured or ill beneficiary (ambulance, train, scheduled or medical aircraft) when medically required; no fixed monetary cap is stated for this organizational service.
Section: 10 – L'assistance > 10.2.3 – Quelle est l'intervention de MAIF ?
Le retour du patient est organisé jusqu'à son domicile ou dans un hôpital adapté proche, par ambulance, train, avion de ligne, avion sanitaire ou tout autre moyen approprié.
Medical evacuation / sanitary repatriation
Covered
Organization and payment of the medical repatriation of the blessed/ill beneficiary to their home or a nearby suitable hospital, decided by MAIF Assistance doctors after consultation with local physicians; no explicit monetary cap disclosed.
Section: 10 – L'assistance > 10.2.3 – Quelle est l'intervention de MAIF ?
Organisation et prise en charge du rapatriement du blessé ou du malade, en cas de nécessité médicalement établie par les médecins de MAIF Assistance, après consultation des médecins locaux.
Repatriation of remains
Covered
MAIF Assistance organizes and pays for the transport of the deceased beneficiary's body to the place of burial in France, including preparation of the body, transport arrangements and a standard coffin; ceremony, procession and burial costs remain the family's responsibility.
Section: 10 – L'assistance > En cas de décès
Organisation et prise en charge du transport jusqu'au lieu d'obsèques ou d'inhumation en France. La prestation comprend les frais de préparation du défunt, les aménagements spécifiques au transport ainsi qu'un cercueil, conforme à la législation et de qualité courante.
Search and rescue costs
€7.7K
Search and rescue costs for human lives are reimbursed up to €7,700, even in the absence of an accident.
Section: 10 – L'assistance > 10.3 – Les frais de recherche et de sauvetage des vies humaines
MAIF vous rembourse les frais de recherche et de sauvetage des vies humaines, à concurrence du plafond (7 700 €) indiqué aux conditions particulières, même en l'absence d'accident.
COVID-19 / viral disease treatment
Covered
COVID-19 and other sudden viral illnesses fall under the travel assistance guarantee's general 'illness' definition (any sudden, unforeseeable alteration of health preventing the normal continuation of the trip); the viral-illness exclusion found elsewhere in the contract applies only to the school-children bodily-injury guarantee, not to this assistance guarantee.
Section: 10 – L'assistance > 10.2.2 – Quand la garantie s'applique-t-elle ?
La maladie est une altération soudaine et imprévisible de la santé, consécutive ou non à une situation préexistante, n'ayant pas pour origine un accident corporel, constatée par une autorité médicale compétente et qui empêche la continuation normale du voyage ou du séjour.
Pre-existing conditions
Conditional
Illness is defined as a sudden and unforeseeable alteration of health, whether or not linked to a pre-existing condition, provided it is not caused by a covered bodily accident and prevents the normal continuation of the trip; routine management of a known chronic condition is not itself a covered event.
Section: 10 – L'assistance > 10.2.2 – Quand la garantie s'applique-t-elle ?
La maladie est une altération soudaine et imprévisible de la santé, consécutive ou non à une situation préexistante, n'ayant pas pour origine un accident corporel, constatée par une autorité médicale compétente et qui empêche la continuation normale du voyage ou du séjour.
Mountain / winter sports rescue costs
Covered
Mountain rescue costs, without kilometric deductible, are covered in France only when linked to alpine or cross-country skiing within the authorized ski area and outside competition; abroad, mountain rescue costs are covered whether or not linked to skiing, excluding competitive sport.
Section: 10 – L'assistance > Frais de secours en montagne
Prise en charge, sans application de la franchise kilométrique, des frais de secours appropriés du lieu de l'accident jusqu'à la structure médicale adaptée : en France, à la condition que ces frais soient liés à la pratique du ski alpin ou de fond... à l'étranger, que ces frais soient ou non liés à la pratique du ski, hors compétition sportive.
Adventure sports cover
No limit stated
No specific adventure-sports assistance benefit is disclosed in the sources.
Pregnancy complications
No limit stated
No specific pregnancy-complications benefit is disclosed within the travel assistance guarantee.
Personal liability (extended abroad)
€100M
The home insurance policy's general civil liability guarantee (bodily and material damages up to €100,000,000, consequential immaterial damages up to €15,000,000) territorially extends to stays abroad not exceeding one year, but is not a dedicated travel-liability product.
Section: IPID RAQVAM 1 > Qu'est-ce qui est assuré ?
Responsabilité civile : dommages causés aux tiers dommages matériels et corporels (100 000 000 €), dommages matériels et immatériels consécutifs (15 000 000 €)
Legal assistance / recours abroad
Excluded
MAIF does not exercise judicial recourse action outside mainland France, the French overseas departments/territories where it operates, and Monaco, so legal-recourse assistance is not available for events occurring in other countries.
Section: 6 – La garantie Recours en F1, F2 et F3 > Limitations de garantie
MAIF n'exerce pas d'action judiciaire : quand l'événement qui est à l'origine du dommage est survenu en dehors du territoire de la France métropolitaine, des départements et collectivités d'outre-mer où MAIF pratique des opérations d'assurance (Guadeloupe, Martinique, Réunion, Saint-Barthélemy et Saint-Martin pour sa partie française) et de Monaco.
24/7 assistance hotline
Covered
MAIF Assistance can be reached 24 hours a day, 7 days a week, from France (0800 875 875) or abroad (+33 5 49 77 47 78), with an SMS line for hearing-impaired beneficiaries.
Section: 10 – L'assistance > Le service de renseignements et conseils
Pour bénéficier de ces prestations, contactez directement MAIF Assistance au 0800 875 875 en France métropolitaine et depuis l'étranger au + 33 5 49 77 47 78, 24 heures sur 24. Et pour les malentendants, par SMS au 06 85 52 69 34.
Key conditions
Assistance call deadline
No strict deadline is stated for calling MAIF Assistance to trigger travel assistance; as a general rule, any event likely to activate a guarantee must be declared within 5 business days of becoming aware of it (30 days for a declared natural catastrophe).
Unauthorized treatment
Care must be prescribed in agreement with MAIF Assistance's doctors; as a matter of principle, MAIF Assistance does not cover expenses that the beneficiary incurs on their own initiative without such prior agreement.
Purchase while abroad
Not applicable: this travel assistance cannot be purchased as a standalone policy while abroad; it is automatically included within the MAIF home insurance contract taken out beforehand in France.
Chronic conditions
A chronic condition as such is not covered, but a sudden and unforeseeable worsening of a pre-existing condition, medically established, can qualify as a covered 'illness' under the assistance guarantee.
Pregnancy
Pregnancy-related medical events are not specifically addressed within the travel medical assistance guarantee; the separate trip-cancellation option excludes pregnancy beyond the third month from cancellation cover.
Pre-existing condition exclusions
Illness is defined as a sudden and unforeseeable alteration of health, whether or not linked to a pre-existing condition, provided it is not caused by a covered bodily accident and prevents the normal continuation of the trip or stay.
Coverage duration limit
Cover applies without limitation of duration in mainland France, the French overseas departments/territories and Monaco, and applies elsewhere in the world provided the trip or stay does not exceed one year.
Direct payment
MAIF Assistance directly organizes and pays medical, hospitalization and repatriation costs abroad with hospitals and service providers; the insured must subsequently pursue reimbursement from social security bodies and refund MAIF Assistance for amounts recovered.
Territorial scope
Judicial recourse (legal protection / recours) is never exercised by MAIF outside mainland France, the French overseas departments/territories where MAIF operates, and Monaco.
Documents
MAIF Home Insurance General Terms and Conditions (current, incl. travel assistance guarantee) (opens in a new tab)
Terms & conditions · PDF
IPID - MAIF Home Insurance (current) (opens in a new tab)
Product information sheet · PDF
Formulas comparison table (Formule 1/2/3) (opens in a new tab)
Table of benefits · PDF
MAIF Home Insurance Raqvam 2 General Terms and Conditions (opens in a new tab)
Terms & conditions · PDF
IPID - MAIF Raqvam 2 (opens in a new tab)
Product information sheet · PDF
MAIF Home Insurance Raqvam 1 General Terms and Conditions (opens in a new tab)
Terms & conditions · PDF
IPID - MAIF Raqvam 1 (opens in a new tab)
Product information sheet · PDF
Policy specifics
Medical expenses limit
Medical expenses and hospitalization abroad are covered up to €80,000 per beneficiary
SourcePage 78Section: 10 – L'assistance > 10.2.3 – Quelle est l'intervention de MAIF ?
Prise en charge des frais médicaux et d'hospitalisation engagés sur place à concurrence de 80 000 € par bénéficiaire, sous réserve que le bénéficiaire ait la qualité d'assuré auprès d'un organisme d'assurance-maladie.
Trip cancellation limit (individual)
Trip cancellation/interruption reimbursement ceiling of €2,000 per event for individual formula
SourceTrip cancellation limit (family)
Trip cancellation/interruption reimbursement ceiling of €5,000 per event for family formula
SourceMaximum trip duration
Travel assistance and medical coverage apply for stays abroad up to one year maximum
SourcePage 77Section: 10 – L'assistance > 10.2.2 – Quand la garantie s'applique-t-elle ?
d'un déplacement à l'étranger, les garanties d'assistance aux personnes sont accordées dans le monde entier lors d'un déplacement d'une durée maximum d'un an, à but touristique, humanitaire, ou effectué dans le cadre d'études universitaires ou de séjours au pair, ou dans un cadre professionnel.
Viral disease exclusion
Viral infections including COVID-19 are not covered by MAIF travel assistance
SourcePage 62Section: 5 – La protection de vos enfants scolarisés en F1, F2 et F3 > Exclusions spécifiques
La garantie ne s'applique pas : aux affections virales, microbiennes et parasitaires
Medical repatriation
MAIF covers organization and payment of repatriation to France in case of medical emergency, via Inter Mutuelles Assistance
SourceSection: Voyager, résider à l'étranger
Si l'état de santé du malade ou du blessé le nécessite, IMA prendra en charge son rapatriement à son domicile ou à l'hôpital le plus proche.
Sources
- maif.frhttps://www.maif.fr/annexes/questions-reponses-pratique/etranger(opens in a new tab)
- maif.frhttps://www.maif.fr/content/documents/public/maif-fr/pdf/contrat/pp/CGRaqvamMaif.pdf#page=35(opens in a new tab)
- maif.frhttps://www.maif.fr/habitation/guide-assurance-habitation/annulation-voyage(opens in a new tab)
- maif.frhttps://www.maif.fr/maiffr/documents/pdf/documentation-contractuelle/habitation/conditions-generales-assurance-habitation.pdf#page=62(opens in a new tab)
- maif.frhttps://www.maif.fr/maiffr/documents/pdf/documentation-contractuelle/habitation/conditions-generales-assurance-habitation.pdf#page=64(opens in a new tab)
- maif.frhttps://www.maif.fr/maiffr/documents/pdf/documentation-contractuelle/habitation/conditions-generales-assurance-habitation.pdf#page=68(opens in a new tab)
- maif.frhttps://www.maif.fr/maiffr/documents/pdf/documentation-contractuelle/habitation/conditions-generales-assurance-habitation.pdf#page=77(opens in a new tab)
- maif.frhttps://www.maif.fr/maiffr/documents/pdf/documentation-contractuelle/habitation/conditions-generales-assurance-habitation.pdf#page=78(opens in a new tab)
- maif.frhttps://www.maif.fr/maiffr/documents/pdf/documentation-contractuelle/habitation/conditions-generales-assurance-habitation.pdf#page=79(opens in a new tab)
- maif.frhttps://www.maif.fr/maiffr/documents/pdf/documentation-contractuelle/habitation/conditions-generales-assurance-habitation.pdf#page=80(opens in a new tab)
MAIF Travel insurance