MGEN Travel insurance (Assurance Voyage Horizon Zenith)
Underwritten by IMA Assurances / Tokio Marine Europe S.A. (Tokio Marine HCC), distributed by MGEN · France
travel insurance from MGEN 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
- Starting price: €20per tripAs published by the insurer — it does not say who the price is for
Unique selling points
Access to a curated worldwide network of 9,400 hospitals and clinics selected by MGEN for quality of care, enabling direct settlement instead of upfront payment
Medical expense ceiling of €150,000 per insured person
Subscription possible up to 72 hours after booking the trip, before departure
If hospitalized for more than 5 days, MGEN organizes and funds a relative's return trip to the insured's bedside, with accommodation covered up to €80 per night for a maximum of 7 nights.
The Zénith formula covers trip cancellation even in the event of a visa refusal, and covers epidemics/pandemics declared at least 3 days before departure
Coverage limits
Medical expenses abroad
€150K
Medical expenses incurred abroad are covered up to €150,000 per insured person (advance of funds or reimbursement), reduced to €30,000 for nervous, mental, psychic or psychological illnesses; identical ceiling for both Horizon and Zénith
Section: Y-a-t-il des exclusions à la couverture ? > PRINCIPALES RESTRICTIONS
Frais médicaux à l’étranger : jusqu’à 150 000€ (30 000€ pour les maladies nerveuses, mentales, psychiques et psychologiques)
Emergency medical treatment
€150K
Emergency medical treatment abroad is covered via advance of funds or reimbursement within the overall €150,000 medical expenses ceiling
Section: Une assurance voyage adaptée aux réalités du terrain.
En cas d’urgence médicale à l’étranger, frais couverts jusqu'à 150 000 € dans 9 400 établissements.
Hospitalization abroad
€150K
Hospitalization costs abroad are included within the overall €150,000 medical expenses ceiling; no separate hospitalization sub-limit is stated
Section: Comment fonctionne l’Assurance voyage Horizon MGEN ?
Consultations, examens, hospitalisation, soins ambulatoires. Frais médicaux pris en charge jusqu’à 150 000 € par personne assurée.
Outpatient treatment
€150K
Outpatient (ambulatory) care abroad is covered within the overall €150,000 medical expenses ceiling
Section: Comment fonctionne l’Assurance voyage Horizon MGEN ?
Consultations, examens, hospitalisation, soins ambulatoires. Frais médicaux pris en charge jusqu’à 150 000 € par personne assurée.
Medical transport
Covered
Sanitary transport to the most appropriate hospital facility is systematically covered in case of accident or illness, with no monetary ceiling stated
Section: Comment fonctionne l’Assurance voyage Horizon MGEN ?
Organisation et prise en charge du transport sanitaire si nécessaire.
Medical evacuation / repatriation
Covered
Sanitary repatriation of the insured (with accompanying persons if necessary) is covered at actual cost with no deductible, no overall monetary ceiling stated
Section: Quelles sont les garanties des formules Horizon et Zénith MGEN ?
Le rapatriement sanitaire est pris en charge en frais réels, sans franchise.
Repatriation of remains
Covered
Repatriation of the body to France in case of death is systematically covered, with no monetary ceiling stated
Section: Une assurance voyage adaptée aux réalités du terrain.
Décès/rapatriement : organisation et prise en charge des retours/rapatriements (dont rapatriement de corps) selon les situations prévues.
Search and rescue costs
€15K
Search and rescue costs are covered up to €15,000; included in both Horizon and Zénith
Section: FAQ : Vos questions sur l'Assurance Horizon MGEN > Quelles sont les modalités pour les frais de recherche ?
Conformément à l'assurance d'Horizon de base, Horizon participe aux frais de recherche et de secours jusqu'à 15 000 €.
Winter sports cover
Covered
Standard winter/gliding sports such as skiing, snowboarding and surfing are covered outside of competition, within the general medical guarantees
Section: Questions fréquentes sur l’assurance voyage MGEN
Les sports de glisse standards (ski, surf) sont couverts hors compétition.
Adventure / high-risk sports cover
Excluded
Sports practiced competitively or professionally, and high-risk activities such as diving beyond 40m, paragliding, mountaineering, bungee jumping and skydiving are excluded from cover
Section: Questions fréquentes sur l’assurance voyage MGEN
Non, les formules Horizon et Zénith excluent les sports pratiqués en compétition ou à titre professionnel, ainsi que certaines activités à risque comme la plongée au-delà de 40 mètres, le parapente, l’alpinisme, le saut à l’élastique ou le parachutisme.
Personal liability abroad
€4.5M
Personal liability for bodily and material damages caused to third parties abroad is covered up to €4,500,000 per claim with a €75 deductible per file; this guarantee is bundled automatically into the Zénith formula, while it is listed as an optional add-on that can be selected on the Horizon formula
Section: Réponses à vos questions > Suis-je couvert en cas de dommages causés à un tiers ?
Si vous provoquez des dommages corporels, matériels et immatériels à un tiers, l’assurance peut verser une indemnisation jusqu’à 4 500 000 € par sinistre, selon les conditions du contrat.
Legal fees and bail bond
€3K
Lawyer's fees and/or legal costs following a theft abroad are covered up to €3,000; the Horizon offer page additionally mentions a bail bond advance up to €10,000
Section: Y-a-t-il des exclusions à la couverture ? > PRINCIPALES RESTRICTIONS
Avocat et/ou fais de justice : dans la limite de 3000€
24/7 assistance hotline
Covered
A 24/7 assistance hotline is available for illness, accident, death, theft or loss of identity papers and payment means while abroad
Section: Comment déclarer un sinistre ? > Quelles sont les procédures ? Quelles sont les pièces demandées ?
Si vous avez besoin d’assistance sur place appelez le 05 49 76 97 97 24 heures sur 24 : maladie, accident, décès, vol ou perte de vos papiers d’identité et de vos moyens de paiement.
Key conditions
Assistance call deadline
No general assistance call deadline in hours is stated; however in the event of theft, the insured must file a police report within 24 hours and provide the original copy
Chronic conditions
The documents do not specifically address chronic diseases; they only specify that nervous, mental, psychic or psychological illnesses are capped at €30,000 instead of the standard €150,000 medical ceiling
Coverage duration limit
Insurance guarantees take effect on the day of departure and end on the day of return, with a maximum of 90 consecutive days after departure; for contracts exceeding 1 month, the policyholder may exercise a 14-day right of withdrawal
Direct payment
Through its network of 9,400 partner hospitals and clinics worldwide, MGEN can arrange direct settlement (advance of funds) with the care provider instead of requiring the insured to pay upfront and seek reimbursement afterwards
Territorial scope
Coverage applies in the destination country/countries declared at subscription; medical expenses, hospitalization, document theft/loss and legal assistance guarantees are not payable for events occurring in France; travel to Belarus, North Korea, Russia and Ukraine is excluded even for the systematic guarantees, and Cuba, Iran and Switzerland are excluded for the optional guarantees
Documents
Policy specifics
Travel cancellation insurance
Protection against cancellation costs; included in Zenith formula, not in Horizon
SourceSection: Quels sont les avantages de l'assurance Voyage Zenith MGEN ? > Une assurance annulation
Remboursement des frais d’annulation si un événement grave vous empêche de partir (maladie, vaccination, refus de visa, etc.).
Baggage and luggage protection
Coverage for lost, damaged, or delayed baggage; included in Zenith, not in Horizon
SourceSection: Quels sont les avantages de l'assurance Voyage Zenith MGEN ? > Perte, vol ou détérioration de bagages
Indemnisation si vos bagages sont perdus, volés ou endommagés.
Legal liability coverage abroad
Coverage for legal liability and damages to third parties abroad; included in Zenith, not in Horizon
SourceSection: Quels sont les avantages de l'assurance Voyage Zenith MGEN ? > Responsabilité civile vie privée à l’étranger
Vous êtes couvert en cas de dommages causés à un tiers à l’étranger (corporels, matériels et immatériels).
Stay extension coverage
Hotel accommodation costs covered if stay must be extended due to medical reasons
SourcePage 1Section: Y-a-t-il des exclusions à la couverture ? > PRINCIPALES RESTRICTIONS
Les garanties Attente sur place, Déplacement d'un proche et Hébergement sur place sont prises en charge à concurrence de 80 € /nuit, 7 nuits max
Maximum coverage duration
Policies cover maximum 90 consecutive days per trip
SourcePage 1Section: De quel type d’assurance s’agit-il ?
lors de voyages à l’étranger d’une durée inférieure à 90 jours […] Les voyages supérieurs à 90 jours
Medical expenses coverage ceiling
Maximum EUR 150,000 per insured person for medical emergencies abroad
SourcePage 1Section: Y-a-t-il des exclusions à la couverture ? > PRINCIPALES RESTRICTIONS
Frais médicaux à l’étranger : jusqu’à 150 000€ (30 000€ pour les maladies nerveuses, mentales, psychiques et psychologiques)
Network hospital coverage
Insured can be directed to one of 9,400 hospitals and clinics worldwide selected by MGEN for quality of care
SourceAccès à 9 400 hôpitaux et cliniques dans le monde
Repatriation with accompanying persons
Repatriation costs covered for insured and accompanying persons if necessary
SourcePrise en charge du rapatriement de l’assuré·e, avec accompagnants.
Family presence guarantee
If insured is hospitalized alone, MGEN organizes and funds travel of a relative to bedside
SourcePrésence de vos proches : si vous êtes hospitalisé seul, nous organisons et finançons la venue d'un proche à votre chevet.
Late subscription window
Coverage can be subscribed up to 72 hours after travel purchase and before departure
SourceFlexibilité : Souscription possible jusqu'à 72h après l'achat du voyage.
Excluded countries and regions
No coverage in countries at war, politically unstable, or frequently experiencing terrorism/attacks
SourceSection: FAQ : > Quels sont les pays exclus de l’assurance voyage MGEN ?
Cependant l’assurance voyage MGEN ne vous couvre pas dans les pays en guerre, instables politiquement ou encore subissant fréquemment des attentats et actes de terrorisme.
Epidemic and pandemic exclusion
Epidemics/pandemics are excluded from cancellation coverage except in Zenith with specific 3-day advance declaration requirement
SourceSection: Assurance voyage MGEN et Covid
Les conditions générales de l'assurance voyage MGEN datent de 2019 et les épidémies font toujours partie des exclusions de la garantie annulation.
High-risk sports exclusion
Competitive sports and high-risk activities excluded (diving >40m, paragliding, mountaineering, bungee, skydiving)
SourceSection: Questions fréquentes sur l’assurance voyage MGEN
Non, les formules Horizon et Zénith excluent les sports pratiqués en compétition ou à titre professionnel, ainsi que certaines activités à risque comme la plongée au-delà de 40 mètres, le parapente, l’alpinisme, le saut à l’élastique ou le parachutisme.
Sources
- mgen.ima.euhttps://mgen.ima.eu/wp-content/uploads/Offre-Voyage-IPID-MGEN.pdf#page=1(opens in a new tab)
- philtr.frhttps://philtr.fr/assurance-voyage/mgen(opens in a new tab)
- serenitrip.frhttps://serenitrip.fr/guide/assurance-voyage/mgen/(opens in a new tab)
- assurancesvoyage.frhttps://www.assurancesvoyage.fr/assurance-voyage-mgen/(opens in a new tab)
- mgen.frhttps://www.mgen.fr/nos-solutions/assurance-voyage-horizon/(opens in a new tab)
- mgen.frhttps://www.mgen.fr/nos-solutions/assurance-voyage-zenith/(opens in a new tab)
- mgen.frhttps://www.mgen.fr/offres-assurance-voyage/(opens in a new tab)
- mgen.frhttps://www.mgen.fr/offres-assurance-voyage/assurance-voyage-horizon/(opens in a new tab)
MGEN Travel insurance